Garanti BBVA IR

#sustainability #greenloan #genderbond #sharedvalue #positiveimpact #risks #opportunities #responsible #solutions

Listen to Ebru Dildar Edin, EVP of Corporate, Investment Banking & Global Markets talk about creating shared value through impact investments and sustainable finance.

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#bigdata #cybersecurity #virtualreality #AI #automation #algorithms #encryption #infrastructure

Listen to İlker Kuruöz, EVP of Engineering & Data, talk about leveraging advanced data analytics and AI.

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#entrepreneur #empowerment #mentorship #financing #diversity #partnership #incentives #equality

Listen to Cemal Onaran, EVP of SME Banking, talk about fostering the entrepreneurial ecosystem, access to finance, and active participation of women in employment and economic life.

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#payment #innovation #BonusFlas #contactless #cardless #cashless #transaction #analytics

Listen to Çağrı Süzer, CEO of Garanti Payment Systems, talk about the future of payment systems and analytics based smart solutions.

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#responsibility #financialhealth #transparency #inclusion #guidance #savings #empathy #customerjourney

Listen to Mahmut Akten, EVP of Retail Banking, talk about responsible banking approach, financial health and inclusion.

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#innovation #doityourself #transformation #interactivity #customization #mobilefirst #accessibilit

Listen to Işıl Akdemir Evlioğlu, EVP of Customer Solutions & Digital Banking, talk about digital transformation and Do-It-Yourself trends

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#workspace #diversity #agility #humancapital #greenoffice #teamwork #engagement #integrity

Listen to Didem Dinçer Başer, EVP of Talent & Culture, talk about future of work and creating an ecosystem to capture opportunities.

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#renewables #cleanenergy #lowcarbon #environment #climateaction #financing #sustainable #future

Listen to Emre Hatem, Director of Investment Banking and Finance, talk about transition to a low-carbon economy and the rise of renewables.

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#robotics #e2esolutions #automation #efficiency #machinelearning #productivity

Listen to İlker Yavaş, Director of Operation Center - Abacus, talk about implementation of RPA and E2E solutions for operational excellence.

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GARANTI BBVA MANAGEMENT

TALKS ABOUT THE NEXT DECADE

CONTENTS

INTRODUCTION

LETTER FROM THE CHAIRMAN

LETTER FROM THE CEO

ABOUT GARANTI BBVA

GARANTI BBVA’S POSITION IN THE BUSINESS AREAS

GARANTI BBVA IN NUMBERS

BOARD OF DIRECTORS AND SENIOR MANAGEMENT

RISK MANAGEMENT REVIEW

OUR MATERIAL MATTERS AND STAKEHOLDER ENGAGEMENT

RISKS AND OPPORTUNITIES

OUR STRATEGY & OUR BUSINESS MODEL

VALUE CREATION

2019 PERFORMANCE REVIEW

FINANCIAL PERFORMANCE

CUSTOMER EXPERIENCE

DIGITAL TRANSFORMATION

INVESTING IN HUMAN CAPITAL

RESPONSIBLE AND SUSTAINABLE DEVELOPMENT

CORPORATE GOVERNANCE AND RISK MANAGEMENT

CORPORATE GOVERNANCE PRINCIPLES COMPLIANCE REPORT

FINANCIAL REPORTS

APPENDIX