Garanti BBVA in Numbers
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.
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
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 |
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)