Garanti BBVA in Numbers
| Branch |
872 |
858 |
| Domestic |
863 |
849 |
| Abroad |
9 |
9 |
| Personnel |
18.354 |
18.690 |
| ATM |
5.401 |
5.423 |
| POS |
700.616 |
752.744 |
| Total Customer |
20.271.437 |
21.398.568 |
| Digital Banking Customer |
11.040.150 |
12.089.647 |
| Mobile Banking Customer |
10.608.777 |
11.680.239 |
| Credit Card Customer |
7.903.799 |
8.449.267 |
| Credit Cards |
10.992.736 |
11.783.130 |
| Debit Cards |
15.956.977 |
17.181.299 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN 1
1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 30 June 2022 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
13.1% |
12.9% |
-19 bps |
#1* |
| Cons. Mortgage Loans |
8.9% |
7.9% |
-94 bps |
#1* |
| Consumer Auto Loans |
25.2% |
19.7% |
-548 bps |
#1* |
| Cons. General Purpose Loans |
12.9% |
13.1% |
14 bps |
#1* |
| TL Business Banking |
9.0% |
8.9% |
-15 bps |
#1* |
| # of CC customers 1 |
13.3% |
13.4% |
10 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
17.7% |
17.6% |
-12 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
17.8% |
17.8% |
-3 bps |
#1 |
* Rankings are among private banks as of March 2022
1 Cumulative figures and rankings as of June 2022, as per Interbank Card Center data.
2 Sector figures used in market share calculations are based on bank-only
BRSA weekly data as of 01.07.2022, for commercial banks
| Net Interest Income |
30,981 |
| Operating Expenses |
11.058 |
| - HR Costs |
4.312 |
| - Other Operating Expenses |
6.746 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-2,954 |
| Net Fees & Commisions |
7,088 |
| NET INCOME |
21,181 |
| Return on Average Equity |
%43.1 |
| Return on Average Assets |
%4.3 |
| Non Performing Loans Ratio |
%3.0 |
| Capital Adequacy Ratio |
%15.1 |
| Net Cost of Risk |
%1 |
| FEE / OPEX |
%64 |
Note: Figures are per June 2022 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)