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)

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