Garanti BBVA in Numbers
| Branch |
894 |
880 |
| Domestic |
884 |
872 |
| Abroad |
10 |
8 |
| Personnel |
18.654 |
18.636 |
| ATM |
5.309 |
5.290 |
| POS |
684.896 |
681.177 |
| Total Customer |
18.779.494 |
19.358.264 |
| Digital Banking Customer |
9.571.289 |
10.135.548 |
| Mobile Banking Customer |
9.074.914 |
9.684.230 |
| Credit Card Customer |
7.322.446 |
7.541.548 |
| Credit Cards |
10.308.368 |
10.508.631 |
| Debit Cards |
14.156.702 |
14.913.328 |
FACTSHEET
* Excluding leasing and factoring receivables
1 Includes funds borrowed, sub-debt & FC securities issued
| Consumer Loans inc. Consumer CCs |
12.4% |
12.7% |
29 bps |
#1* |
| Cons. Mortgage Loans |
8.9% |
9.2% |
22 bps |
#1* |
| Consumer Auto Loans |
29.8% |
28.3% |
-156 bps |
#1* |
| Cons. General Purpose Loans |
11.8% |
12.2% |
45 bps |
#2* |
| TL Business Banking |
8.4% |
8.8% |
43 bps |
#2* |
| # of CC customers1 |
13.2% |
13.2% |
2 bps |
#1 |
| Issuing Volume (Cumulative)1 |
17.3% |
17.3% |
-1 bps |
#1 |
| Acquiring Volume (Cumulative)1 |
17.0% |
16.9% |
-7 bps |
#2 |
* Rankings are among private banks as of March 21
1 Cumulative figures and rankings as of June 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 25.06.2021, for commercial banks
| Net Interest Income |
14,466 |
| Operating Expenses |
6,629 |
| - HR Costs |
2,567 |
| - Other Operating Expenses |
4,062 |
| Net Expected Credit Loss (excl.Currency impact)2 |
1,656 |
| Net Fees & Commisions |
4,230 |
| NET INCOME |
5,437 |
| Return on Average Equity |
18.3%
|
| Return on Average Assets |
2.1%
|
| Net interest Margin (inc.Swap cost) |
3.9%
|
| Non Performing Loans Ratio |
4.0%
|
| Capital Adequacy Ratio |
15.9%
|
| Net Cost of Risk |
0.9%
|
| FEE / OPEX |
64%
|
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