Our Value Creation

Capital generative, disciplined and sustainable growth strategy that strictly adheres to solid asset quality enables the Bank to move forward strongly.

 In order to reach more customers, to accelerate and drive value creation; Garanti BBVA prioritizes making banking services available to its customers at any time through any channel they choose, and delivering them a seamless and consistent omni-channel experience by being wherever customers are.

The Bank aims to merge and integrate technology and humanistic elements, to

  • Make life easier for its customers,
  • Pursue their financial health, and help them make the right financial decisions,
  • Support them grow their businesses sustainably, and
  • Bring its financial services to everyone.

Garanti BBVA seeks to deliver a better customer experience thanks to custom-tailored solutions and wide array of products offered to customers.

On sustainability, the Bank attaches great importance to positively influencing decision-makers and the sector and to mainstreaming the issue. Garanti BBVA creates shared value and drives positive change through lending based on impact investment, as well as community programs focusing on material issues for the Bank, its stakeholders, and strategic partnerships.

Putting digitalization at the heart of its business model, Garanti BBVA targets to lead the transformation of the sector, command state-of- the-art technological infrastructure, and be efficient and productive in all its service channels. Adopting agile method approaches to execute its projects in order to quickly cater to evolving customer expectations and to accommodate advancing technology in its business model, Garanti BBVA makes efficiency its top principle in its business model with its operational excellence priority. In this context, the Bank aims to enhance operational efficiency as it continues to revamp and simplify its business processes, enhance customer experience and automatize its processes. The Bank also monitors financial and non-financial risks closely at all times and exhibits proactive management.

Integrating the opportunities resulting from advancing technology and data sources in its business model, Garanti BBVA adopts a more analytical approach to customer management by making use of advanced data analytics and artificial intelligence. It also employs these outputs in its organizational model with the purpose of improving business results.

Always imagining and designing the future and striving to be unique in what it offers, Garanti BBVA considers raising competent, well educated, responsible, and ethical banking professionals who think big and are respectful of the society and the environment as an indispensable part of the sustainability of its business model. Conscious of the fact that human capital is the driving force behind all progress, continuously attracting, training and developing young and creative talents, offering employees an environment where they can demonstrate their skills, presenting opportunities, and recognizing and rewarding their achievements make the building blocks of the whole system.