Garanti BBVA in Numbers
| Branch |
795 |
797 |
| Domestic |
787 |
789 |
| Abroad |
8 |
8 |
| Personnel |
22.664 |
22.724 |
| ATM |
5.820 |
5.909 |
| POS |
864.055 |
842.251 |
| Total Customer |
27.717.447 |
28.187.814 |
| Digital Banking Customer |
16.718.413 |
17.030.884 |
| Mobile Banking Customer |
16.520.118 |
16.854.259 |
| Credit Card Customer |
11.825.995 |
12.157.333 |
| Credit Cards |
17.056.271 |
17.528.940 |
| Debit Cards |
22.560.683 |
21.877.855 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 March 2024 BRSA consolidated financials.
MARKET SHARES
|
TL Performing Loans
|
21.8%
|
21.7%
|
-10 bps
|
#1
|
|
FC Performing Loans
|
15.4%
|
15.6%
|
11 bps
|
#2
|
|
Consumer Loans inc. Consumer CCs
|
22.7%
|
22.7%
|
-3 bps
|
#1
|
|
Cons. Mortgage Loans
|
27.7%
|
28.8%
|
109 bps
|
#2
|
|
Consumer Auto Loans
|
33.3%
|
34.6%
|
126 bps
|
#1
|
|
Cons. General Purpose Loans (incl. Overdraft)
|
19.5%
|
19.7%
|
17 bps
|
#1
|
|
TL Business Banking
|
20.2%
|
19.9%
|
-23 bps
|
#2
|
|
TL Customer Deposits
|
20.5%
|
21.7%
|
112 bps
|
#1
|
|
FC Customer Deposits
|
18.0%
|
19.3%
|
125 bps
|
#2
|
|
# of CC customers2
|
14.2%
|
14.3%
|
14 bps
|
#1
|
|
Issuing Volume (Cumulative) 2
|
17.0%
|
17.2%
|
17 bps
|
#1
|
|
Acquiring Volume (Cumulative) 2
|
16.6%
|
16.1%
|
-58 bps
|
#1
|
Rankings are among private banks as of March 2025
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 28.03.2025, for commercial private banks
2 Cumulative figures and rankings as of March 2025, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
39.322 |
| Operating Expenses |
-35.645 |
| - HR Costs |
-13.561 |
| - Other Operating Expenses |
-22.084 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-6.806 |
| Net Fees & Commisions |
30.383 |
| NET INCOME |
25.399 |
| Return on Average Equity |
30,5% |
| Return on Average Assets |
3,2% |
| Non Performing Loans Ratio |
2,4% |
| Capital Adequacy Ratio |
16,2% |
| Net Cost of Risk1 |
1,43% |
| FEE / OPEX |
85% |
Note: Figures are per 31 March 2025 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)