INTRODUCTION

• - Foreword
• - About the Report
• - Independent Auditor’s Opinion and Assurance Reports
• - Statements of Responsibility
• - Message from Charles Tilley
• - Letter from the Chairman
• - Letter from the CEO

ABOUT GARANTI BBVA

• - The Environment We Operate In
• - Corporate Profile
• - Garanti BBVA’s Shareholding Structure
• - Garanti BBVA’s Position in the Business Areas
• - Garanti BBVA Integrated Financial Services Group
• - Garanti BBVA’s Position in the Sector
• - Garanti BBVA in Numbers
• - Garanti BBVA Share
• - Our Governance
• - Organizational Structure
• - Board of Directors
• - Senior Management
• - Committees and Policies
• - Risk Management

GARANTI BBVA’S POSITION IN THE BUSINESS AREA

GARANTI BBVA IN NUMBERS

BOARD OF DIRECTORS

SENIOR MANAGEMENT

OUR MATERIAL MATTERS, STAKEHOLDER ENGAGEMENT, RISKS AND OPPORTUNITIES

OUR STRATEGY

• - Our Purpose
• - Our Values
• - Our Competitive Advantages
• - Our Strategic Priorities

OUR VALUE CREATION

2020 KEY PERFORMANCE INDICATORS

OUR 2020 MATERIAL ISSUE: COVID-19

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - Fınancial Health
• - Sustainability
• - Reaching More Customers
• - Operational Excellence
• - Data And Technology
• - The Best And Most Engaged Team

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - FINANCIAL HEALTH

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - SUSTAINABILITY

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - REACHING MORE CUSTOMERS

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - OPERATIONAL EXCELLENCE

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• -DATA AND TECHNOLOGY

2020 PERFORMANCE IN STRATEGIC PRIORITIES AND OUTLOOK

• - THE BEST AND MOST ENGAGED TEAM

CORPORATE GOVERNANCE

• - Our Governance and Organizational Structure
• - Committees and Policies
• - Risk Management
• - Internal Systems Governance
• - Important Developments Regarding 2020 Operations
• - Corporate Governance Principles Compliance Report
• - Garanti BBVA’s Ratings
• - Profit Distribution

FINANCIAL REPORTS

APPENDIX

• - Reporting Guidelines for the Non-Financial Disclosures
• - Scope and Boundaries of the Materiality Analysis
• - Environmental Performance Data
• - Environmental & Social Impact Assessment Process Indicators
• - TCFD Disclosure Table
• - UNEP FI Principles For Responsible Banking Impact Report
• - UNGC and WEPs Principles Analysis according To GRI Standards Content
• - GRI Standards Content Index “In Accordance”- Core Option