Evaluating the results of the third quarter of 2025, General Manager Hüseyin Aydın described the Group’s significant role in the agricultural sector with the following remarks:

“In the third quarter, compared to the same period last year, the Agricultural Credit Group demonstrated its financial strength by achieving record growth of 42%, increasing its total assets to TRY 188 billion, while raising its equity from TRY 57 billion to TRY 77 billion, representing a 35% increase. By increasing operating profitability from 3% to 6%, pre-tax profitability from 2% to 7%, and net profitability from 3% to 5%, our Group also raised its consolidated net profit from TRY 3 billion to TRY 8 billion.

At present, we have nearly completed the 2025 harvest season. As Agricultural Credit, we stood by our producers this season as we always do. By purchasing agricultural products at their fair value, we sought both to regulate the market and to protect our producers. For producers, the most critical issues in 2025 were agricultural frost and drought. Significant declines in crop yields were observed compared to previous years. Despite these adverse conditions, we will complete this year’s product procurement activities by purchasing a total of 1 million tons of products across 40 different categories at an approximate value of TRY 20 billion.”

WE ARE THE ONLY INSTITUTION IN THE AGRICULTURAL ECOSYSTEM

With more than 900,000 partners, the Agricultural Credit Group is the largest farmer family in our country and holds a leading position in the agricultural industry, providing an essential service for the sustainability of agriculture, access to safe food, and the assurance of food supply security. While producing all agricultural inputs required by producers in its own industrial facilities and supplying them to farmers at the most appropriate time and under favorable conditions, the Group also purchases agricultural products at fair value, processes them in its own facilities, and delivers them to consumers through Koop Markets. In this way, Agricultural Credit operates as an integrated structure that stands by both producers and consumers.

Referring to this unique ecosystem of Agricultural Credit, Aydın stated: “The Agricultural Credit Group is the only institution that brings together under one roof a full-scale ecosystem extending from producers in the field to the dining table. From input supply to product procurement, storage, processing, and distribution, we manage every step within our own structure. We provide our producers with all the inputs they need, from seeds and fertilizers to plant protection products, irrigation systems, fuel, and feed.”

WE ARE A LEADER IN THE AGRICULTURAL INDUSTRY

Operating across all geographical regions of the country, the Agricultural Credit Group carries out its activities over an area of 10 million m² with 1,605 cooperatives, a total of 18 companies—6 of which are listed among Türkiye’s top 500 industrial enterprises—52 production facilities, and thousands of warehouses. In recent years, the Group has also grown at an extraordinary pace in the retail sector, reaching final consumers through approximately 5,000 sales points.

OUR INVESTMENTS CONTINUE WITHOUT SLOWING DOWN

Continuing its investments at full speed, the Group has completed TRY 26 billion of its planned TRY 40 billion investment program determined three years ago. While implementing TRY 7 billion in investments in 2024, the Group maintained its determination to complete its projects with investments totaling TRY 3.4 billion as of the end of the third quarter of 2025.

WE ARE INCREASING OUR EQUITY

The Group increased its equity from TRY 57 billion in the previous period to TRY 77 billion, recording 35% growth, while reducing the share of costly external financing sources, namely bank loans, to 27% in the financing of its operations.

WE ARE AWARE OF OUR RESPONSIBILITY IN THE FIGHT AGAINST INFLATION

We consider the fight against inflation as an integrated process, covering all stages from the production of agricultural products to their delivery to the final consumer. Accordingly, we primarily strive to ensure that agricultural production is carried out in the most efficient manner at the lowest possible cost. In this direction, in order to enable our producers to obtain agricultural inputs at affordable prices in 2025, sales campaigns have been organized for frequently used inputs—especially fertilizers, feed, and diesel fuel—with interest-free maturities of up to 6 months depending on usage periods, and up to 12 months in certain cases.

In addition, through its highly visible retail operations, the Group plays an active role in combating inflation, operating with low profit margins to ensure that the public can access quality basic food products at the most affordable prices.

EFFECTIVE AND EFFICIENT COST MANAGEMENT

Furthermore, through effective and efficient cost management during the same period, the Group increased its gross profitability from 20% to 22%, operating profitability from 3% to 6%, pre-tax profitability from 2% to 7%, and net profitability from 3% to 5%, thereby raising its consolidated net profit from TRY 3 billion in the same period of the previous year to TRY 8 billion.

Drawing strength from its more than 160-year deep-rooted history, Agricultural Credit will continue, as it has to date, to contribute to the national economy and to fulfill more than its share of responsibility for the sustainability of agricultural production and food supply security with the same determination in the future.