Garanti BBVA in Numbers

Garanti BBVA with numbers 31.12.2022 31.03.2023 
Branch 838 834
Domestic 829 825
Abroad 9 9
Personnel 18.544 18.552
ATM 5.450 5.403
POS 777.497 766.788
Total Customer 23.035.557 23.469.658
Digital Banking Customer 13.386.156 13.681.855
Mobile Banking Customer 13.032.549 13.361.225
Credit Card Customer 9.220.070 9.458.041
Credit Cards 12.893.009 13.271.615
Debit Cards 19.027.213 19.452.887

ASSET BREAKDOWN

 

LIABILITIES & SHE BREAKDOWN

1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 March 2023 BRSA consolidated financials.


Market Shares1 Dec-22 Mar-23 QoQ Δ Rank
Consumer Loans inc. Consumer CCs 14.0% 14.1% 7 bps #1*
Cons. Mortgage Loans 7.1% 7.5% 40 bps #2*
Consumer Auto Loans 15.2% 16.0% 84 bps #2*
Cons. General Purpose Loans 14.1% 13.4% -71 bps #1*
TL Business Banking 8.4% 7.4% -103 bps #2*
# of CC customers 1 13.6% 13.4% -22 bps #1
Issuing Volume (Cumulative) 1 17.7% 17.7% -5 bps #1
Acquiring Volume (Cumulative) 1 18.0% 17.0% -107 bps #1

* Rankings are among private banks as of December 2022
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 31.03.2023, for commercial banks
2 Cumulative figures and rankings as of March 2023, as per Interbank Card Center data. Rankings areamongprivate banks.

 

FUNDAMENTAL P&L ITEMS (TL mn) 3M23
Net Interest Income 18.667
Operating Expenses 11.983
- HR Costs 4.274
- Other Operating Expenses 7.709
Net Exp. Loan Loss Prov. (excl.Currency impact) 1 -1.632
Net Fees & Commisions 6.608
NET INCOME 15.452

 

SELECTED FINANCIAL RATIOS 3M23
Return on Average Equity 38.2%
Return on Average Assets 4.5%
Non Performing Loans Ratio 2.4%
Capital Adequacy Ratio 15.9%
Net Cost of Risk1 0.8%
FEE / OPEX 55%

Note: Figures are per 31 March 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)