Garanti BBVA in Numbers
| Garanti BBVA with numbers |
31.12.2020 |
30.09.2021 |
| Branch |
894 |
875 |
| Domestic |
884 |
866 |
| Abroad |
10 |
9 |
| Personnel |
18,654 |
18,486 |
| ATM |
5,309 |
5,323 |
| POS |
684,896 |
681,177 |
| Total Customer |
18,779,494 |
19,813,155 |
| Digital Banking Customer |
9,571,289 |
10,569,240 |
| Mobile Banking Customer |
9,074,914 |
10,121,509 |
| Credit Card Customer |
7,322,446 |
7,723,970 |
| Credit Cards |
10,308,368 |
10,738,996 |
| Debit Cards |
14,156,702 |
15,398,706 |
FACTSHEET
* Excluding leasing and factoring receivables
Note: Figures are per September 2021 BRSA Consolidated financials
1 Includes funds borrowed, sub-debt & FC securities issued
| Consumer Loans inc. Consumer CCs |
12.7% |
13.1% |
40 bps |
#1* |
| Cons. Mortgage Loans |
9.2% |
9.5% |
37 bps |
#1* |
| Consumer Auto Loans |
28.3% |
29.0% |
67 bps |
#1* |
| Cons. General Purpose Loans |
12.2% |
12.7% |
45 bps |
#2* |
| TL Business Banking |
8.8% |
9.0% |
18bps |
#2* |
| # of CC customers1 |
13.2% |
13.2% |
2 bps |
#1 |
| Issuing Volume (Cumulative)1 |
17.3% |
17.4% |
13 bps |
#1 |
| Acquiring Volume (Cumulative)1 |
16.9% |
17.2% |
32 bps |
#2 |
* Rankings are among private banks as of June 21
1 Cumulative figures and rankings as of September 2021, as per Interbank Card Center data
2 Sector figures used in market share calculations are based on bank-only
BRSA weekly data as of 01.10.2021, for commercial banks
| Net Interest Income |
23,863 |
| Operating Expenses |
10,123 |
| - HR Costs |
3,975 |
| - Other Operating Expenses |
6,148 |
| Net Expected Credit Loss (excl.Currency impact)2 |
1,712 |
| Net Fees & Commisions |
6,490 |
| NET INCOME |
9,072 |
Note: Figures are per September 2021 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)
| Return on Average Equity |
19.2%
|
| Return on Average Assets |
2.2%
|
| Net interest Margin (inc.Swap cost) |
4.2%
|
| Non Performing Loans Ratio |
3.8%
|
| Capital Adequacy Ratio |
15.7%
|
| Net Cost of Risk |
0.6%
|
| FEE / OPEX |
64%
|
Note: Figures are per September 2021 BRSA Consolidated financials