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Our Strategy & Business Model

OUR PURPOSE

To bring the age of opportunity to everyone

OUR VALUES

 

OUR BUSINESS MODEL

Focused on creating sustainable value for all its stakeholders, Garanti BVVA places its customers at the core of its operations with the aim of providing unrivaled customer experience. Garanti BBVA’s customer-focused innovative business model enables Garanti BBVA to generate sustainable income and command a leading position in Turkish banking sector.

Blending technology and humanistic elements, Garanti BBVA aims to make life easier for its customers, pursue their financial health, help them make the right financial decisions, support them grow their businesses sustainably, and bring its financial services to everyone.

Garanti BBVA employees are one of its most important assets and one of the main pillars of its strategy. Garanti BBVA aims to provide a fair working environment that encourages full utilization of employees’ skills, offering a wide range of opportunities and ensuring recognition and awarding of their accomplishments.

Moreover, Garanti BBVA creates shared value and drives positive change through lending based on impact investment, as well as strategic partnerships and community programs focusing on material issues for both Garanti BBVA and its stakeholders.

With its solid capital structure and focus on efficiency, Garanti BBVA preserves its sound financial structure through effective balance sheet management and sustains its contribution to the economy

OUR COMPETITIVE ADVANTAGES

TALENT AND CULTURE MANAGEMENT

  • Practices focusing on employee happiness and work-life balance
  • Awarded talent programs
  • Platforms for employees to share their suggestions and innovative ideas
  • Development model aligned with changing dynamics, where employees take responsibility for their own development in line with their career goals and shape their developments
  • In accordance to the strategic priority of “The best and most engaged team”, continuous investment mindset with a focus on their development, happiness and well-being in order to ensure work-life balance
  • A fair and transparent management policy based on performance, focused on equal opportunities, diversity and internal promotion
  • Management approach that supports diversity - the only company from Turkey to be included in the Bloomberg Gender Equality Index for four consecutive years
  • 31 hours/employee training on average per annum
  • High conversion rate from physical to virtual training: 33,000 participants in 3,200 digital live training programs

STATE-OF-THE-ART TECHNOLOGY AND DATA SCIENCE

  • Business-integrated and agile project management
  • In-house developed, custom-fit IT solutions and applications
  • Uninterrupted transaction capability and infrastructure security
  • Data-driven and agile decision-making processes
  • Managing data as a corporate asset with governance models
  • Creating intelligence for smart decision making at every level of business by advanced data analytics
  • Continuous investment in people and technology to improve big data engineering and analytics

SEAMLESS CUSTOMER EXPERIENCE MANAGEMENTSEAMLESS CUSTOMER EXPERIENCE MANAGEMENT

  • Lean and clear processes/customer journeys designed through customers’ eyes
  • Products and services blending customer needs and tendencies with emerging trends
  • Smart business processes offering fast and flexible solutions
  • Multi-channel customer relationship management tools delivering solutions to customers at the time and place of their choice
  • Suggestion systems that help the customers make the best financial decisions
  • Employee approach that places customers at the center of its activities and prioritizes customers at all times

STRONG BRAND AND CORPORATE REPUTATION

  • Holistic reputation management approach and strong reputation index
  • Garanti BBVA is described by consumers as “A pioneer in technology, offering innovative solutions to its customers’ needs, approaching its customers in a close, convenient and clear manner”
  • Holistic communication and community investment programs focused on social impact contributing to corporate reputation and brand equity
  • The only company from Turkey listed for the sixth consecutive time after qualifying also in the reporting period in the Dow Jones SustainabilityTM Emerging Markets Index, one of the most eminent platforms evaluating global sustainability performances of institutional companies

SEAMLESS EXPERIENCE ACROSS ALL CHANNELS

  • Service model at branches capturing the benefits of digital world for better customer experience
  • Presence in 81 cities with widespread branch network
  • Leading position in mobile & internet banking; exceeding 9.6 million digital active customer base
  • BonusFlaş: Campaigns, card activities and new generation payment technologies in a single platform
  • Rapid and secure e-commerce payment without sharing card information in more than 2,100 entities via GarantiPay
  • 5,300 ATMs, also serving non-bank customers through cardless transactions
  • Leading financial Customer Contact Center with more than Integrated Annual Report 2020