Ziraat Leads with 1,771 Branches: 2026 Branch Network Record

Ziraat Bank, with 1,771 branches, emerged as Turkey’s largest branch network in 2026, leaving rivals Halkbank and İş Bank behind by a staggering 600 branches.

Branch Network Amid Digital Shift

■Despite expectations of a decline in branch numbers due to digitalization, Ziraat’s extensive network continues to play a pivotal role as a physical asset.

■The next largest banks trail with 1,117 and 1,021 branches for Halkbank and İş Bank, respectively.

■Branches remain a critical channel for SME lending and commercial financing.

Why Ziraat’s Record Matters

■From a customer segmentation perspective, a wide branch network bridges daily operations and software integrations.

■Regional financial inclusion is maintained through continuous service provision in rural areas.

■The increase in branches aligns with a digital strategy aimed at rapid returns and customer satisfaction.

Strategic Moves by Halkbank and İş Bank

■Halkbank, positioned second with 1,117 branches, is expanding its service portfolio through digital channels.

■İş Bank, with 1,021 branches, focuses on integrating commercial credit and digital banking.

■Both banks are balancing branch density with regional strategies.

Physical Presence: The Value of Customer Proximity

■The branch network still offers a strong advantage in user experience.

■Factors such as personal service and trust remain minimally affected by the proliferation of digital channels.

■Branches provide essential social interaction and visual confidence, key to customer loyalty and acquisition.

Sector Impacts: Digitalization and SME Credit

■Branches provide a robust infrastructure for SME credit access and daily operations.

■While digitalization can accelerate commercial credit growth, physical presence ensures the sustainability of financial inclusion.

■The pace of commercial loan growth and macro‑prudential risks is closely linked to branch network strategies.

Burak Yalın: Even in the shadow of digital transformation, branch networks remain indispensable for financial inclusion. Ziraat’s 1,771‑branch record offers a strategic advantage in regional access and customer trust, underscoring the need for a balanced ecosystem where large banks invest in both digital and physical channels.