Garanti BBVA in Numbers
| Branch |
838 |
828 |
| Domestic |
829 |
819 |
| Abroad |
9 |
9 |
| Personnel |
18.544 |
18.733 |
| ATM |
5.450 |
5.387 |
| POS |
777.497 |
778.869 |
| Total Customer |
23.035.557 |
24.003.690 |
| Digital Banking Customer |
13.386.156 |
14.128.195 |
| Mobile Banking Customer |
13.032.549 |
13.827.013 |
| Credit Card Customer |
9.220.070 |
9.782.652 |
| Credit Cards |
12.893.009 |
13.783.776 |
| Debit Cards |
19.027.213 |
19.955.927 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
Mainly composed of NPLs and accrualsof foreign-currency protected deposits’ currency difference (TL 88.5bn as of 30 June2023).
1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 30 June 2023 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
14.1% |
14.5% |
38 bps |
#1* |
| Cons. Mortgage Loans |
7.5% |
8.2% |
75 bps |
#2* |
| Consumer Auto Loans |
16.0% |
15.3% |
-70 bps |
#2* |
| Cons. General Purpose Loans |
13.4% |
13.6% |
18 bps |
#1* |
| TL Business Banking |
7.4% |
7.6% |
21 bps |
#2* |
| # of CC customers 1 |
13.4% |
13.4% |
5 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
17.7% |
17.5% |
-19 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
17.0% |
17.0% |
3 bps |
#1 |
* Rankings are among private banks as of March 2023
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 27.06.2023, for commercial banks
2 Cumulative figures and rankings as of June 2023, as per Interbank Card Center data. Rankings areamongprivate banks.
| Net Interest Income |
36.776 |
| Operating Expenses |
24.514 |
| - HR Costs |
8.923 |
| - Other Operating Expenses |
15.591 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-2.890 |
| Net Fees & Commisions |
14.275 |
| NET INCOME |
33.810 |
| Return on Average Equity |
38.3% |
| Return on Average Assets |
4.2% |
| Non Performing Loans Ratio |
2.1% |
| Capital Adequacy Ratio |
15.8% |
| Net Cost of Risk1 |
0.7% |
| FEE / OPEX |
58% |
Note: Figures are per 30 June 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)