Garanti BBVA in Numbers

Garanti BBVA with numbers 31.12.2022 30.06.2023 
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.


Market Shares1 Mar-23 Jun-23 QoQ Δ Rank
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.

 

FUNDAMENTAL P&L ITEMS (TL mn) 6M23
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

 

SELECTED FINANCIAL RATIOS 6M23
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)