General Manager of Tarım Kredi Cooperatives, Hüseyin Aydın:
“As the locomotive of the agricultural industry, we are both increasing our profitability and continuing our investments without slowing down.”

In the first half of 2025, Tarım Kredi Group increased its total assets to 180 billion TL, achieving 35% growth. The Group grew its equity size from 54 billion TL to 74 billion TL, marking a 37% increase. Operating profitability rose from 1% to 5%, pre-tax profitability from 2% to 7%, and net profitability from 2% to 6%. Consequently, consolidated net profit increased from 1.7 billion TL in the previous period to 5.5 billion TL.

Evaluating the financial results of the first half of 2025, Hüseyin Aydın said: “We are the locomotive group of the agricultural industry. We have very important goals for our country’s agricultural ecosystem. We will take our Group much further both in the production and supply of agricultural inputs and in the processing and delivery of products to consumers. In this context, alongside the 2.4 billion TL investments we made in the first half of 2025, the 35% growth in our total assets and 5.5 billion TL profit demonstrate that we are steadily advancing toward our goals.”

WE ARE UNIQUE IN THE AGRICULTURAL ECOSYSTEM

Tarım Kredi Group is the only institution in our country that encompasses every stage of the production, trade, and service chain, from producer to end consumer. We provide our farmers with essential agricultural inputs such as seeds, fertilizers, crop protection products, irrigation/greenhouse systems, fuel, and feed. At harvest time, we purchase their products at fair value, ensuring the continuity of agricultural production and activities.

With more than 800,000 members, Tarım Kredi Group is Turkey’s largest farmers’ family and the leader of the agricultural industry. While meeting our farmers’ input needs in our own industrial facilities, we also process agricultural products and deliver them to consumers.

A PRODUCTION GIANT WITH 52 FACTORIES

Across all geographical regions of Turkey, Tarım Kredi Group operates 1,611 cooperatives, 18 companies (6 of which are listed among Turkey’s top 500 industrial enterprises), 52 production facilities, and thousands of warehouses, covering a total activity area of 8.7 million m².

In recent years, the Group has also grown extraordinarily in the retail sector, reaching consumers directly with 4,500 sales points within its retail operations. In other words, we produce with 52 factories, meet farmers’ needs through 1,611 cooperatives, and satisfy consumer expectations at 4,500 sales outlets.

WE MAINTAINED LIQUIDITY, GREW BY 35%

In the first half of 2025, Tarım Kredi Group continued its years-long growth trend, increasing its total assets from 133 billion TL in the first half of 2024 to 180 billion TL in the same period of this year, achieving 35% growth.

During this period, the Group maintained its liquidity with 118 billion TL in current assets, while strictly adhering to its disciplined inventory policy compared to the same period last year.

OUR INVESTMENTS CONTINUE WITHOUT SLOWING DOWN

Continuing its investments without interruption, the Group has completed 25 billion TL of the 40 billion TL investment plan it set three years ago. While it realized 6.8 billion TL worth of investments in 2024, it completed 2.4 billion TL in investments in the first half of 2025, maintaining its determination to finalize its projects.

OUR EQUITY IS GROWING, OUR DEBT IS DECLINING

The Group increased its equity from 54 billion TL to 74 billion TL in the previous period, marking a 37% growth, while reducing the share of costly external financing such as bank loans from 36% to 32%.

TAKING RESPONSIBILITY IN THE FIGHT AGAINST INFLATION

Through its retail operations, the most visible face of the Group, Tarım Kredi has played an active role in combating inflation. By working with low profit margins, it ensured that the public could access high-quality staple food products at the most affordable prices.

Additionally, the Group increased its sales performance by 27% compared to the same period last year, achieving 95 billion TL in consolidated sales revenue in the first half of the year.

5.5 BILLION TL PROFIT IN THE FIRST HALF

In the same period, thanks to efficient cost management, gross profitability increased from 17% to 23%, operating profitability from 1% to 5%, pre-tax profitability from 2% to 7%, and net profitability from 2% to 6%. Accordingly, consolidated net profit rose from 1.7 billion TL in the previous period to 5.5 billion TL.

With its more than 160-year history, Tarım Kredi will continue, as it has until today, to contribute to the national economy and to go beyond its responsibilities in ensuring the sustainability of agricultural production and food security.