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Garanti BBVA in Numbers

 

Garanti BBVA with numbers 31.12.2020 30.09.2021
Branch 894 875
Domestic 884 866
Abroad 10 9
Personnel 18,654 18,486
ATM 5,309 5,323
POS 684,896 681,177
Total Customer 18,779,494 19,813,155
Digital Banking Customer 9,571,289 10,569,240
Mobile Banking Customer 9,074,914 10,121,509
Credit Card Customer 7,322,446 7,723,970
Credit Cards 10,308,368 10,738,996
Debit Cards 14,156,702 15,398,706

 

FACTSHEET

* Excluding leasing and factoring receivables
Note: Figures are per September 2021 BRSA Consolidated financials
1 Includes funds borrowed, sub-debt & FC securities issued

 

Market Shares2 Jun-21 Sep-21 QoQ ∆ Rank
Consumer Loans inc. Consumer CCs 12.7% 13.1% 40 bps #1*
Cons. Mortgage Loans 9.2% 9.5% 37 bps #1*
Consumer Auto Loans 28.3% 29.0% 67 bps #1*
Cons. General Purpose Loans 12.2% 12.7% 45 bps #2*
TL Business Banking 8.8% 9.0% 18bps #2*
# of CC customers1 13.2% 13.2% 2 bps #1
Issuing Volume (Cumulative)1 17.3% 17.4% 13 bps #1
Acquiring Volume (Cumulative)1 16.9% 17.2% 32 bps #2

* Rankings are among private banks as of June 21
1 Cumulative figures and rankings as of September 2021, as per Interbank Card Center data
2 Sector figures used in market share calculations are based on bank-only
BRSA weekly data as of 01.10.2021, for commercial banks

 

FUNDAMENTAL P&L ITEMS (TL mn) 9M21
Net Interest Income 23,863
Operating Expenses 10,123
- HR Costs 3,975
- Other Operating Expenses 6,148
Net Expected Credit Loss (excl.Currency impact)2 1,712
Net Fees & Commisions 6,490
NET INCOME 9,072

Note: Figures are per September 2021 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)

SELECTED FINANCIAL RATIOS 9M21
Return on Average Equity

19.2%

Return on Average Assets

2.2%

Net interest Margin (inc.Swap cost)

4.2%

Non Performing Loans Ratio

3.8%

Capital Adequacy Ratio

15.7%

Net Cost of Risk

0.6%

FEE / OPEX

64%

 

Note: Figures are per September 2021 BRSA Consolidated financials