Ziraat Bank is a Turkish universal bank, prodiving retail, private, corporate and invesment banking products and services to domestic and international clients (private individuals, SMEs and companies).

Bank Category

Public Commercial Banks


Retail Banking
SME Banking
Corporate Banking

T.C. ZİRAAT BANKASI A.Ş. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BB+ (speculative).

T.C. ZİRAAT BANKASI A.Ş. participates in deposit guarantee scheme of Turkey. This scheme covers accounts up to 100 000 TRL per bank per depositor.


(312) 584 20 00
(312) 584 49 63

Business Summary

retail banking
SME banking
corporate banking

T.C. ZİRAAT BANKASI A.Ş. provides products and services in the areas of retail banking, SME banking, corporate banking.

Credit Ratings (as of May 2018)

Fitch Moody's
BB+ (speculative) - (not rated)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. T.C. ZİRAAT BANKASI A.Ş. is rated by Fitch.

Credit ratings assigned to T.C. ZİRAAT BANKASI A.Ş. as of May 2018 are shown in details in the following sections.


Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for T.C. ZİRAAT BANKASI A.Ş. it is set to BB+ (speculative), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for T.C. ZİRAAT BANKASI A.Ş. is set to B (speculative short-term credit quality).

Long-Term Issuer Default Rating  BB+
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  B
Viability Rating  bb+
Support Rating  3
Support Rating Floor  BB+

Viability rating for T.C. ZİRAAT BANKASI A.Ş. is set to bb+ (speculative fundamental credit quality); support rating is 3 (moderate probability of support); support rating floor is BB+ (speculative).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 TRL per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Turkey are obliged to participate in Turkish deposit guarantee scheme.

In the case of T.C. ZİRAAT BANKASI A.Ş. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons
Covered Accounts  all cash deposit accounts, precious metals accounts
Maximum Protected Amount  100 000 TRL
Paid In Currency  TRL

Further Information

European Presence: 7 banks in 6 countries

T.C. ZİRAAT BANKASI A.Ş. operates under the brand name Ziraat Bank. This banking brand has presence in the following European countries and selected dependent territories of the European countries:






United Kingdom