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Garanti BBVA in Numbers

 

Garanti BBVA With Numbers 31.12.2020 30.06.2021
Branch 894 880
Domestic 884 872
Abroad 10 8
Personnel 18.654 18.636
ATM 5.309 5.290
POS 684.896 681.177
Total Customer 18.779.494 19.358.264
Digital Banking Customer 9.571.289 10.135.548
Mobile Banking Customer 9.074.914 9.684.230
Credit Card Customer 7.322.446 7.541.548
Credit Cards 10.308.368 10.508.631
Debit Cards 14.156.702 14.913.328

 

FACTSHEET

* Excluding leasing and factoring receivables
1 Includes funds borrowed, sub-debt & FC securities issued

 

Market Shares2 Mar-21 Jun-21 QoQ ∆ Rank
Consumer Loans inc. Consumer CCs 12.4% 12.7% 29 bps #1*
Cons. Mortgage Loans 8.9% 9.2% 22 bps #1*
Consumer Auto Loans 29.8% 28.3% -156 bps #1*
Cons. General Purpose Loans 11.8% 12.2% 45 bps #2*
TL Business Banking 8.4% 8.8% 43 bps #2*
# of CC customers1 13.2% 13.2% 2 bps #1
Issuing Volume (Cumulative)1 17.3% 17.3% -1 bps #1
Acquiring Volume (Cumulative)1 17.0% 16.9% -7 bps #2

* Rankings are among private banks as of March 21
1 Cumulative figures and rankings as of June 2021, as per Interbank Card Center data
2 Sector figures used in market share calculations are based on bank-only
BRSA weekly data as of 25.06.2021, for commercial banks

 

FUNDAMENTAL P&L ITEMS (TL mn) 1H21
Net Interest Income 14,466
Operating Expenses 6,629
- HR Costs 2,567
- Other Operating Expenses 4,062
Net Expected Credit Loss (excl.Currency impact)2 1,656
Net Fees & Commisions 4,230
NET INCOME 5,437

 

SELECTED FINANCIAL RATIOS 1H21
Return on Average Equity

18.3%

Return on Average Assets

2.1%

Net interest Margin (inc.Swap cost)

3.9%

Non Performing Loans Ratio

4.0%

Capital Adequacy Ratio

15.9%

Net Cost of Risk

0.9%

FEE / OPEX

64%

 


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