Garanti BBVA in Numbers

Garanti BBVA with numbers 31.12.2021 30.06.2022
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.


Market Shares2 Mar-22 Jun-22 QoQ D Rank
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

 

FUNDAMENTAL P&L ITEMS (TL mn) 6M22
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

 

SELECTED FINANCIAL RATIOS 6M22
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)