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Garanti BBVA in Numbers

 

Garanti BBVA With Numbers 30.09.2020 31.12.2020
Branch 904 894
Domestic 894 884
Abroad 10 10
Personnel 18.612 18.656
ATM 5.213 5.309
POS 685.308 528.254
Total Customer 18.507.144 18.779.494
Digital Banking Customer 9.286.568 9.571.289
Mobile Banking Customer 8.741.007 9.074.914
Credit Card Customer 7.253.571 7.322.446
Credit Cards 10.223.606 10.308.368
Debit Cards 13.602.621 14.156.702

 

FACTSHEET

1 Includes funds borrowed, sub-debt & FC securities issued

 

 

 

FUNDAMENTAL P&L ITEMS (TL mn) 2020
Net Interest Income 25,393
Operating Expenses 11,887
- HR Costs 4,420
- Other Operating Expenses 7,467
Net Expected Credit Loss (excl.Currency impact)2 7,614
Net Fees & Commisions 6,588
NET INCOME 6,385

 

SELECTED FINANCIAL RATIOS 2020
Return on Average Equity 11.0%
Return on Average Assets 1.3%
Net interest Margin (inc.Swap cost) 5.4%
Non Performing Loans Ratio 4.5%
Capital Adequacy Ratio 16.9%
Net Cost of Risk 2.3%
FEE / OPEX 55.4%

 

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As of December 31, 2020, Garanti provides a wide range of financial services to its almost 19 million customers with 18,656 employees through an extensive distribution network of 884 domestic branches, 7 foreign branches in Cyprus and one in Malta, and 2 international representative offices in Düsseldorf and Shanghai. Garanti offers an omni-channel convenience with seamless experience across all channels with 5,309 ATMs, an award winning Call Center, internet, mobile and social banking platforms, all built on cutting-edge technological infrastructure.

 

* Active customers on - min. 1 login per quarter
** Includes shared and virtual POS.

 
 
ASSETS(TL billion)
PERFORMING CASH LOANS(TL billion))
CONSUMER LOANS***(TL billion))
DEPOSITS(TL billion))
SHAREHOLDERS EQUITY(TL billion))
NET INCOME(TL billion))
MARKET CAPITALIZATION(TL billion))
DIVIDEND PAYOUT RATIO(%)
EARNINGS PER SHARE(in TL)
% OF RENEWABLES IN
ENERGY PRODUCTION
PORTFOLIO (in new PF greenfield commitments)
NUMBER OF PROJECTS
SUBJECTED TO ENVIRONMENTAL
AND SOCIAL RISK MANAGEMENT
SYSTEM (Cumulative)****
TOTAL LOAN GRANTED
TO WOMEN
ENTREPRENEURS(Cumulative, TL)
 

*** Including consumer credit cards.
**** Numbers also include projects (i) that are not included in the scope of ESIAP but are assessed voluntarily, (ii) are in financial evaluation stage, and (iii) are assessed but not-funded projects.