Our Competitive Advantages & Position in the Sector

Competitive Advantages DYNAMIC HUMAN CAPITAL MAKING A DIFFERENCE

  • HR policies focusing on employee happiness
  • Awarded talent programs
  • Platforms to encourage employees to share their suggestions and innovative ideas
  • First company from Turkey eligible for “Gold Certificate” from Investors in People (IIP) for the second time
  • 36 hours/employee training per annum

CUSTOMER-ORIENTED INNOVATIVE PRODUCTS AND SERVICES

  • Differentiating with innovative, flexible and custom-tailored solutions
  • Conducting market research and listening to customers
  • Blending customer needs and tendencies with evolving trends

STATE-OF-THE-ART TECHNOLOGY AND EXCEPTIONAL DATA WAREHOUSING

  • Business-integrated IT
  • Fully in-house developed, custom-fit IT solutions
  • Uninterrupted transaction capability and infrastructure security
  • Dynamic and advanced technology enabling quick customer service time
  • Continuous investment in technology since 90s
  • Data-driven and agile decision-making processes
  • One of the best practices in Turkish market in terms of data consistency, reliability and report generation efficiency

BEST CUSTOMER EXPERIENCE MANAGEMENT

  • Making a difference in customer experience with smart business processes
  • Simple and clear processes/customer journeys designed in customers’ eyes
  • Systems enabling propensity analysis and product development
  • Sophisticated segmentation systems
  • Multi-channel CRM tools offering effective & timely solutions

STRONG BRAND AND REPUTATION

  • Consistent communication and Community Investment Programs contributing to brand perception
  • Holistic reputation management approach and strong reputation index
  • Consumers define Garanti BBVA as “Leader in technology, innovative and makes the life easier”

CENTRALIZED OPERATIONS

  • First bank to set up centralized operations in Turkey
  • 99% centralization ratio
  • First bank in Turkey to create “paperless banking” operating environment
  • First bank in the world to implement ID scanning facilities in branches
  • Alleviating branches’ operational workloads through effective use of technology

SINGLE POINT OF CONTACT FOR ALL FINANCIAL NEEDS

  • International banking operations in the Netherlands and Romania since 90s
  • Leading position in bancassurance
  • 22 out of 100 new pension participants in Turkey choose Garanti BBVA
  • Fastest mortgage process in the world by granting within the same day of application as long as the appraisal report is ready
  • Leading position with TL 15 billion factoring volume and total assets of TL 3.5 billion
  • Leading position in leasing sector with more than 2,400 contracts
  • Turkey’s first asset management company
  • Strong presence in capital markets with over 8% brokerage market share and 11% in the futures market

OMNI-CHANNEL CONVENIENCE WITH SEAMLESS EXPERIENCE ACROSS ALL CHANNELS

  • New service model with renovated branches capturing the benefits of digital world for better customer experience
  • Presence in 81 cities with widespread branch network
  • Leading position in internet & mobile banking
  • 95% of non-cash financial transactions occur via digital channels
  • Offering solutions based on tendencies and location, Bonus Flas: more than 4 million downloads within two years
  • >5,000 ATMs, also serving non-bank customers through cardless transactions
  • Leading financial call center with more than 77 million customer contacts per year
  • Offering personalized financial management services
  • 1 out of every 4 transactions handled via digital channels in Turkey go through “Garanti BBVA”

Position in the sector 

* Sector figures are based on BRSA weekly data for commercial banks only.