Garanti BBVA in Numbers
| Branch |
795 |
797 |
| Domestic |
787 |
789 |
| Abroad |
8 |
8 |
| Personnel |
22.664 |
22.724 |
| ATM |
5.820 |
5.909 |
| POS |
864.055 |
842.251 |
| Total Customer |
27.717.447 |
27.717.447 |
| Digital Banking Customer |
16.718.413 |
17.030.884 |
| Mobile Banking Customer |
16.520.118 |
16.854.259 |
| Credit Card Customer |
11.825.995 |
12.157.333 |
| Credit Cards |
17.056.271 |
17.528.940 |
| Debit Cards |
22.560.683 |
21.877.855 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 March 2024 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
16,9% |
16,6% |
-27 bps |
#1* |
| Cons. Mortgage Loans |
13,1% |
14,1% |
103 bps |
#3* |
| Consumer Auto Loans |
22,1% |
24,5% |
248 bps |
#2* |
| Cons. General Purpose Loans |
14,9% |
14,8% |
-15 bps |
#1* |
| TL Business Banking |
8,8% |
8,8% |
-5 bps |
#2* |
| # of CC customers 1 |
14,2% |
14,3% |
14 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
17,0% |
17,2% |
17 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
16,6% |
16,1% |
-58 bps |
#2 |
Rankings are among private banks as of December 2024
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 28.03.2025, for commercial banks
2 Cumulative figures and rankings as of March 2025, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
39.322 |
| Operating Expenses |
-35.645 |
| - HR Costs |
-13.561 |
| - Other Operating Expenses |
-22.084 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-6.806 |
| Net Fees & Commisions |
30.383 |
| NET INCOME |
25.399 |
| Return on Average Equity |
30,5% |
| Return on Average Assets |
3,2% |
| Non Performing Loans Ratio |
2,4% |
| Capital Adequacy Ratio |
16,2% |
| Net Cost of Risk1 |
1,43% |
| FEE / OPEX |
85% |
Note: Figures are per 31 March 2024 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)