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%

Please click here for more information on the recent financial tables

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.

About Garanti BBVA