Garanti BBVA in Numbers
| Branch |
797 |
797 |
| Domestic |
789 |
789 |
| Abroad |
8 |
8 |
| Personnel |
22.724 |
22.724 |
| ATM |
5.909 |
6.026 |
| POS |
842.251 |
864.331 |
| Total Customer |
28.187.814 |
28.777.503 |
| Digital Banking Customer |
17.030.884 |
17.273.721 |
| Mobile Banking Customer |
16.854.259 |
17.113.698 |
| Credit Card Customer |
12.157.333 |
12.516.619 |
| Credit Cards |
17.528.940 |
18.042.846 |
| Debit Cards |
21.877.855 |
22.352.810 |
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
| Consumer Loans inc. Consumer CCs |
16.6% |
16.9% |
24 bps |
#1* |
| Cons. Mortgage Loans |
14.1% |
14.7% |
53 bps |
#2* |
| Consumer Auto Loans |
24.5% |
28.2% |
370 bps |
#1* |
| Cons. General Purpose Loans |
14.8% |
15.5% |
72 bps |
#1* |
| TL Business Banking |
8.8% |
8.6% |
-24 bps |
#2* |
| # of CC customers 1 |
14.3% |
14.3% |
14.5% |
#1 |
| Issuing Volume (Cumulative) 1 |
17.2% |
17.2% |
17.2% |
#1 |
| Acquiring Volume (Cumulative)1 |
16.1% |
16.1% |
15.9% |
#2 |
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 27.06.2025, for commercial private banks
2 Cumulative figures and rankings as of June 2025, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
82,372 |
| Operating Expenses |
-76,365 |
| - HR Costs |
-27,639 |
| - Other Operating Expenses |
-48,726 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-12,748 |
| Net Fees & Commisions |
65,470 |
| NET INCOME |
53,613 |
| Return on Average Equity |
30.7% |
| Return on Average Assets |
3.1% |
| Non Performing Loans Ratio |
2.7% |
| Capital Adequacy Ratio |
15.6% |
| Net Cost of Risk1 |
1.24% |
| FEE / OPEX |
86% |
Note: Figures are per 30 June 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)