Garanti BBVA in Numbers
Branch |
838 |
834 |
Domestic |
829 |
825 |
Abroad |
9 |
9 |
Personnel |
18.544 |
18.552 |
ATM |
5.450 |
5.403 |
POS |
777.497 |
766.788 |
Total Customer |
23.035.557 |
23.469.658 |
Digital Banking Customer |
13.386.156 |
13.681.855 |
Mobile Banking Customer |
13.032.549 |
13.361.225 |
Credit Card Customer |
9.220.070 |
9.458.041 |
Credit Cards |
12.893.009 |
13.271.615 |
Debit Cards |
19.027.213 |
19.452.887 |
ASSET BREAKDOWN

LIABILITIES & SHE BREAKDOWN

1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 March 2023 BRSA consolidated financials.
Consumer Loans inc. Consumer CCs |
14.0% |
14.1% |
7 bps |
#1* |
Cons. Mortgage Loans |
7.1% |
7.5% |
40 bps |
#2* |
Consumer Auto Loans |
15.2% |
16.0% |
84 bps |
#2* |
Cons. General Purpose Loans |
14.1% |
13.4% |
-71 bps |
#1* |
TL Business Banking |
8.4% |
7.4% |
-103 bps |
#2* |
# of CC customers 1 |
13.6% |
13.4% |
-22 bps |
#1 |
Issuing Volume (Cumulative) 1 |
17.7% |
17.7% |
-5 bps |
#1 |
Acquiring Volume (Cumulative) 1 |
18.0% |
17.0% |
-107 bps |
#1 |
* Rankings are among private banks as of December 2022
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 31.03.2023, for commercial banks
2 Cumulative figures and rankings as of March 2023, as per Interbank Card Center data. Rankings areamongprivate banks.
Net Interest Income |
18.667 |
Operating Expenses |
11.983 |
- HR Costs |
4.274 |
- Other Operating Expenses |
7.709 |
Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-1.632 |
Net Fees & Commisions |
6.608 |
NET INCOME |
15.452 |
Return on Average Equity |
38.2% |
Return on Average Assets |
4.5% |
Non Performing Loans Ratio |
2.4% |
Capital Adequacy Ratio |
15.9% |
Net Cost of Risk1 |
0.8% |
FEE / OPEX |
55% |
Note: Figures are per 31 March 2023 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)