Ziraat Bank Hits Record Active Size: TL9.1 Trillion and TL7 Trillion Credit Portfolio

Ziraat Bank, with its Q2 results, lifted its active size to TL9.1 trillion, reinforcing its growth momentum in Turkey's banking sector.

Balance Sheet Continuity: New Active Size Summit

■TL9.1 trillion in total assets, marking a %X increase over the previous quarter (exact figure pending).

■Net profit of TL74.2 billion for the first half of the year underscores robust profitability.

■Equity ratio at %Y, reflecting a Basel IV‑aligned capital structure.

Credit Portfolio Dynamics: Cash and Non‑Cash Expansion

■Cash loan portfolio reached TL4.9 trillion, non‑cash loans TL2.0 trillion, totaling TL7.0 trillion in credit.

■Turkish‑lira‑denominated loans constitute 66% of total credit, aligning with macro‑prudential policy targets.

■Credit delinquency (follow‑up) rate held at a low 1.9%, well below industry averages.

Macro‑Prudential Alignment and Delinquency Management

■Despite tight monetary policy and rising funding costs, the bank maintained uninterrupted credit growth.

■Follow‑up rate of 1.9% signals a proactive risk‑management stance.

■Liquidity pressure was mitigated by a TL5.7 trillion+ broad deposit base, cushioning higher funding expenses.

Funding Composition: Deposits and Offshore Financing

■Core funding derived from a TL5.7 trillion+ widespread deposit base.

■In a climate of global uncertainty, the bank preserved an active offshore funding position in Q2, diversifying currency‑risk exposure.

Strategic Outlook: Ziraat’s Vision Ahead

■General Manager Alpaslan Çakar asserted, “Amid global uncertainty and tight monetary conditions, our strong balance‑sheet management continues to set the sector’s direction.”

■Emphasis on supporting investment, production, employment, and exports remains central to the bank’s strategic priorities.

■International expansion aims to elevate Ziraat’s brand not only within Turkey but across all operating markets.

Burak Yalın – Director of Commercial Loans & Central Bank Policies: Ziraat’s surge in active size signals an enhanced capacity to supply liquidity across the banking system. Maintaining a 66% share of TL‑denominated loans demonstrates disciplined credit risk under macro‑prudential constraints. The 1.9% delinquency rate indicates improving credit quality sector‑wide. Nevertheless, rising offshore funding costs could pressure net‑interest margins; thus, expanding the deposit base and leveraging digital transformation for cost efficiency will be pivotal for sustaining profitability.