Garanti BBVA in Numbers

 

Garanti BBVA with numbers 31.12.2021 31.03.2022
Branch 872 869
Domestic 863 861
Abroad 9 8
Personnel 18.354 18.500
ATM 5.401 5.397
POS 700.616 725.154
Total Customer 20.271.437 20.787.625
Digital Banking Customer 11.040.150 11.515.377
Mobile Banking Customer 10.608.777 11.101.166
Credit Card Customer    7.903.799 8.150.361
Credit Cards 10.992.736  11.337.006
Debit Cards 15.956.977  16.527.517

 

ASSET BREAKDOWN

LIABILITIES & SHE BREAKDOWN

1 Includes funds borrowed, sub-debt & FC securities issued.
Note:Figuresareper 31  March 2022 BRSA consolidatedfinancials.


Market Shares3 Dec-21 Mar-22 QoQ D Rank
Consumer Loans inc. Consumer CCs 13.1% 13.1% 2 bps #1*
Cons. Mortgage Loans 9.3% 8.9% -46 bps #1*
Consumer Auto Loans 28.3% 25.2% -309 bps #1*
Cons. General Purpose Loans 12.8% 12.9% 15 bps #2*
TL Business Banking 8.3% 9.0% 76 bps #2*
# of CC customers2 13.3% 13.3% 3 bps #1
Issuing Volume (Cumulative) 2 17.5% 17.7%  20 bps #1
Acquiring Volume (Cumulative) 2 17.4% 17.8%  36 bps #1

* Rankings are among private banks  as of December 2021
2 Cumulative figures and rankings as of March 2022, as per Interbank Card Center data,
3 Sector figures  used  in market share calculations are based on bank-only
BRSA weekly data as of 01.04.2022, for commercial banks

 

FUNDAMENTAL P&L ITEMS (TL mn) 3M21
Net Interest Income 14,423
Operating Expenses 5,286
- HR Costs 2,023
- Other Operating Expenses 3,262
Net Exp. Loan Loss Prov. (excl.Currency impact)1 1,419
Net Fees & Commisions 3,206
NET INCOME 8,263

 

SELECTED FINANCIAL RATIOS 3M21
Return on Average Equity 37.5%
Return on Average Assets 3.7%
Net Interest Margin (inc. Swap cost) 6.6%
Non Performing Loans Ratio 3.3%
Capital Adequacy Ratio 14.8%
Net Cost of Risk 1.2%
FEE / OPEX 60%

Note: Figures are per March 2021 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)