Garanti BBVA in Numbers
| Branch |
805 |
805 |
| Domestic |
796 |
796 |
| Abroad |
9 |
9 |
| Personnel |
22.016 |
22.062 |
| ATM |
5.511 |
5.541 |
| POS |
808.478 |
820.792 |
| Total Customer |
25.351.113 |
25.904.930 |
| Digital Banking Customer |
15.046.929 |
15.224.446 |
| Mobile Banking Customer |
14.768.620 |
14.768.620 |
| Credit Card Customer |
10.486.454 |
10.801.767 |
| Credit Cards |
15.183.137 |
15.476.992 |
| Debit Cards |
20.973.862 |
21.272.467 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
* * Mainly composed of NPLs and accruals of foreign currency protected deposits’ currency difference (TL 22bn as of Mar’24 vs. TL 24bn as of Dec’23)
1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per31 March 2024 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
14,9% |
15,3% |
39 bps |
#1* |
| Cons. Mortgage Loans |
8,8% |
9,5% |
65 bps |
#2* |
| Consumer Auto Loans |
18,4% |
18,9% |
50 bps |
#2* |
| Cons. General Purpose Loans |
14,0% |
14,2% |
26 bps |
#3* |
| TL Business Banking |
8,1% |
8,9% |
83 bps |
#2* |
| # of CC customers 1 |
13,5% |
13,5% |
8 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
17,2% |
16,5% |
-65 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
16,8% |
16,3% |
-47 bps |
#1 |
* Rankings are among private banks as of December 2023
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 29.03.2024, for commercial banks
2 Cumulative figures and rankings as of March 2024, as per Interbank Card Center data. Rankings areamong private banks.
| Net Interest Income |
17,964 |
| Operating Expenses |
-21,780 |
| - HR Costs |
-8,641 |
| - Other Operating Expenses |
-13,139 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-2,144 |
| Net Fees & Commisions |
19,626 |
| NET INCOME |
22,480 |
| Return on Average Equity |
36.0% |
| Return on Average Assets |
3.9% |
| Non Performing Loans Ratio |
1.9% |
| Capital Adequacy Ratio |
15.4% |
| Net Cost of Risk1 |
64 bps |
| FEE / OPEX |
90% |
Note: Figures are per 31 March 2024 BRSA Consolidated financials
1 Neutral impact at bottom line, as provisions due to currency depreciation are 100% hedged (FX gain included in Net trading income line)