Garanti BBVA in Numbers

Garanti BBVA with numbers 31.12.2021 30.09.2022
Branch 872 850
Domestic 863 841
Abroad 9 9
Personnel 18.354 18.766
ATM 5.401 5.442
POS 700.616 768.256
Total Customer 20.271.437 22.506.887
Digital Banking Customer 11.040.150 13.182.514
Mobile Banking Customer 10.608.777 12.591.665
Credit Card Customer 7.903.799 8.904.270
Credit Cards 10.992.736 12.367.690
Debit Cards 15.956.977 18.429.414 

ASSET BREAKDOWN

LIABILITIES & SHE BREAKDOWN 1

1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 30 September 2022 BRSA consolidated financials.


Market Shares2 Jun-22 Sep-22 QoQ Δ Rank
Consumer Loans inc. Consumer CCs 12.9% 13.5% 54 bps #1
Cons. Mortgage Loans 7.9% 7.4% -50bps #2
Consumer Auto Loans 19.7% 17.5% -225 bps #2
Cons. General Purpose Loans 13.1% 13.5% 46 bps #1
TL Business Banking 8.9% 8.9% 2 bps #2
# of CC customers 1 13.4% 13.6% 17 bps #1
Issuing Volume (Cumulative) 1 17.6% 17.7% 10 bps #1
Acquiring Volume (Cumulative) 1 17.8% 18.0% 27 bps #1

* Rankings are among private banks as of September 2022
1 Cumulative figures and rankings as of September 2022, as per Interbank Card Center data.
2 Sector figures used in market share calculations are based on bank-only
BRSA weekly data as of 30.09.2022, for commercial banks

 

FUNDAMENTAL P&L ITEMS (TL mn) 9M22
Net Interest Income 57,949
Operating Expenses 18,444
- HR Costs 7,270
- Other Operating Expenses 11,174
Net Exp. Loan Loss Prov. (excl.Currency impact) 1 4,882
Net Fees & Commisions 12,008
NET INCOME 38,726

 

SELECTED FINANCIAL RATIOS 9M22
Return on Average Equity 49%
Return on Average Assets 5%
Non Performing Loans Ratio 2.8%
Capital Adequacy Ratio 16.2%
Net Cost of Risk 1.1%
FEE / OPEX 65%

Note: Figures are per 30 September 2022 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)