Success

Cost/income ratio in 2021: 34%

#Action #Success

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Superior Performance

Return on Equity 22.6%, Return on Assets 2.5%

#Action #SuperiorPerformance

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sustainable Growth

Highest Interest Earning Assets Ratio among peers

#Action #SustainableGrowth

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sustainable Income Generation

Highest net fees and commissions base among peers

#Action #SustainableIncomeGeneration

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice of Customers

Highest TL time and demand deposit base among private banks

#Action #ChoiceOfCustomers

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

4.5x increase in new customer acquisition with video calling

#Action #Transformation

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Capability

24/7 Garanti BBVA Cyber Security Center with its renewed organization

#Action #Capability

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

The first bank from Turkey to sign the United Nations Women's Empowerment Principles (WEPs)

#Action #Leadership

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Share of Demand Deposits share in Total Deposits: 51%

#Action #Robustness

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Improvement in loan/deposit ratio to 82% on a consolidated basis

#Action #Robustness

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Capability

71% employee participation in cyber security trainings

#Action #SolutionPartnership

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

Cost/income ratio in 2021: 34%

#Action #Success

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

54 bps increase in market share in one year with 27% growth in TL performing loans

#Success #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

The target of becoming a carbon-neutral bank achieved 15 years earlier

#Sustainability #Success

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

Total of Sustainability Funds used from international financial institutions is $1.7 billion

#Sustainability #Success

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

Highest TL customer deposit base with 19.7% market share

#Success #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

More than 400 teams including all of technology organization work with agile

#Journey #Agility #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

4 million transactions with fast and secure GarantiPay without sharing card information

#Digitalization #Agility

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

83% of active customers using digital banking

#Agility #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Gender Equality

58% of all employees, 40% of senior and middle level management are women

#GenderEquality #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solution Partnership

#1 among peers in SME customers’ Net Promoter Score

#SolutionPartnership #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Experience

Türkiye's first AI-based smart assistant UGI offers customized solutions

#Journey #Experience

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Leader in consumer, mortgage and auto loans

#Journey #Support

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Employee chatbots Bilge and Kobilge answered 484 thousand questions

#Digitalization #Support

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

“Employee Support Hotline” offered with focus on employees’ psychological well-being

#Support #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Domestic Violence Hotline that supports its Employees by providing 24/7 service

#Support #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Durability

Establishing risk appetite and limits to carry out strategy confidently

#Durability #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Contribution

Contribution to 16 Sustainable Development Goals, 59 Targets

#Sustainability #Digitalization #Contribution

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

780 million annual transactions through internet and mobile banking channels

#Digitalization #Transformation

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Convenience

Set of more than 500 functions on mobile banking

#Digitalization #Convenience

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Employee chatbots Bilge and Kobilge answered 484 thousand questions

#Digitalization #Support

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Efficiency

97.7% share of digital channels in non-cash financial transactions (retail)

#Digitalization #Efficiency

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

4 million transactions with fast and secure GarantiPay without sharing card information

#Digitalization #Agility

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Digitalization

11 million digital banking customers

#Digitalization #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Digitalization

43 thousand first time, total 300 thousand corporate customers log-in to digital channels in 2021

#Digitalization #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Listening

60.6 million customer contacts with the Customer Contact Center

#Digitalization #Listening

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

Industry leader with 36% market share in QR transactions

#Digitalization #Transformation

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Inclusion

5,381 disabled friendly ATMs

#Digitalization #Inclusion

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

2.7 billion log-ins in mobile banking

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

10.6 million Garanti BBVA Mobile customers

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Nearly 16 million debit cards, close to 11 million credit cards

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Listening

First 24/7 social media customer satisfaction channel "Ask Garanti BBVA"

#Journey #Listening

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Listening

60.6 million customer contacts with the Customer Contact Center

#Digitalization #Listening

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

More than 400 teams including all of technology organization work with agile

#Journey #Agility #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

New Technologies

93 processes developed with Robotic Process Automation

#Transformation #NewTechnologies

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

AI Solutions

With 63 projects 115 new machine learning and deep learning models integrated

#Transformation #AI Solutions

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Awareness

108 education or informative activities in relation to external fraud

#Transformation #Awareness

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

780 million annual transactions through internet and mobile banking channels

#Digitalization #Transformation

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

83% of active customers using digital banking

#Agility #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Digitalization

11 million digital banking customers

#Digitalization #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Digitalization

43 thousand first time, total 300 thousand corporate customers log-in to digital channels in 2021

#Digitalization #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

4.5x increase in new customer acquisition with video calling

#Action #Transformation

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

Industry leader with 36% market share in QR transactions

#Digitalization #Transformation

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

1,546,519 questions solved with gamified educational solutions and 16,124 hours spent in applications

#Transformation #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

AI Solutions

26.4 million interactions per year with UGI Smart Assistant

#Transformation #AI Solutions

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Access

Widespread service network with 863 branches and 5401 ATMs in 81 cities

#Dialogue #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

TL 60 billion total contribution to sustainable development

#Sustainability #Impact

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

Managing Environmental and Social Risks associated with financing activities

#Impact #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

8.48 million tons of CO2 e emission reduction through financing renewable energy projects

#Impact #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Awareness

108 education or informative activities in relation to external fraud

#Transformation #Awareness

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Awareness

Women Entrepreneurship Program on its 15th year

#Awareness #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Financial Health

950 thousand customers started using savings products

#Journey #FinancialHealth

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Equal opportunity

Target of at least 25% women members on the Board by 2025

#EqualOpportunity #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Development

Expertise, fast solutions to needs, support via 28 commercial branches

#Development #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Development

95% of employees attended “Upskilling ve Reskilling” trainings

#Development #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Strenght

Highest return on assets

#Strength #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Empowerment

TL 8.7 billion financial support to women entrepreneurs

#Strengthening #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Empowerment

Female entrepreneurs who applied to the Women Entrepreneur Awards in total >41 thousand

#Sustainability #Strengthening

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

>20 million customers

#Choice #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Team spirit

One team of >18 thousand employees

#TeamSpirit #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Progress

Stakeholder engagement and solution partnership

#Progress #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Longevity

Foreign shareholder base from 33 countries

#Longevity #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

Highest TL customer deposit base with 19.7% market share

#Success #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Strenght

Highest return on assets

#Strength #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Reputation

World Finance "Best Retail Bank" award in Turkey

#Reputation #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Borsa İstanbul's most valuable bank

#Leadership #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

#1 in Brand Power among private banks

#Leadership #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

Turkey's second largest private bank in asset size

#Pioneer #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

63% YoY increase in total customer deposit base

#Choice #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Capability

24/7 Garanti BBVA Cyber Security Center with its renewed organization

#Action #Capability

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Accountability

Effective governance structure with 95% committee attendance by Board

#Accountability #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Prudence

With 66% coverage 3.6% Non-performing Loans Ratio

#Prudence #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Progress

Stakeholder engagement and solution partnership

#Progress #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

54 bps increase in market share in one year with 27% growth in TL performing loans

#Success #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest digital & mobile customer base

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

First and only bank to sign UN Net-Zero Banking Alliance

#Pioneer #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Commitment

Commitment not to finance coal and coal-related new investments

#Commitment #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sharing

TL 43.6 million for social impact focused Community Investment Programs

#Sharing #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Access

Widespread service network with 863 branches and 5401 ATMs in 81 cities

#Dialogue #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

The first bank to report its contribution to the Sustainable Development Goals on a Target basis

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest net income

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Largest TL Customer Deposit Portfolio: TL 180 billion

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Capital adequacy ratio of 14.0%, well above the required levels

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

TL 610 billion cash and non-cash loan portfolio

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Innovation

48% participation and 2,418 hours of training with the ARK Platform Design & Development program

#Innovation #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Investment

37.4 hours training per employee and 11 well-being programs

#SolutionPartnership #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Engagement

>27,500 ideas collected from employees through You Suggest platform

#Engagement #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Gender Equality

58% of all employees, 40% of senior and middle level management are women

#GenderEquality #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Development

95% of employees attended “Upskilling ve Reskilling” trainings

#Development #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

“Employee Support Hotline” offered with focus on employees’ psychological well-being

#Support #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Domestic Violence Hotline that supports its Employees by providing 24/7 service

#Support #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Transformation

1,546,519 questions solved with gamified educational solutions and 16,124 hours spent in applications

#Transformation #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sharing

10,291 employees who participated in 13 Let's Talk live broadcasts with subject experts

#Sharing #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Employee Engagement Score 4.22 out of 5 in 2021

#Choice #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Investment

141 new digital education packages on renewed digital learning platform Garanti BBVA portal

#SolutionPartnership #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Empowerment

TL 8.7 billion financial support to women entrepreneurs

#Strengthening #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Awareness

Women Entrepreneurship Program on its 15th year

#Awareness #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Inclusion

Garanti BBVA Partners Entrepreneurship Acceleration Program on its 7th year

#Inclusion #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solution Partnership

#1 among peers in SME customers’ Net Promoter Score

#SolutionPartnership #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Partnership

Active participant in 48 sustainability-focused working groups and 28 initiatives

#Partnership #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Investment

Entrepreneurship training for more than 3,500 women with the Women Entrepreneur Executive School project

#SolutionPartnership #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Reputation

Transparency principle based disclosure

#Reputation #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Reputation

World Finance "Best Retail Bank" award in Turkey

#Reputation #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Guidance

Energy efficiency consultancy

#Guidance #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Innovation

Türkiye's first Corporate Green Auto Loan

#Innovation #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Development

Expertise, fast solutions to needs, support via 28 commercial branches

#Development #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Customers’ primary business partner

#Choice #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Innovation

48% participation and 2,418 hours of training with the ARK Platform Design & Development program

#Innovation #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Centralization

Direct communication with 2 million customers per day with 104 scenarios on the Ruler platform

#Pioneer #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Inclusion

Garanti BBVA Partners Entrepreneurship Acceleration Program on its 7th year

#Inclusion #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Inclusion

5,381 disabled friendly ATMs

#Digitalization #Inclusion

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Engagement

>27,500 ideas collected from employees through You Suggest platform

#Engagement #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Contribution

Contribution to 16 Sustainable Development Goals, 59 Targets

#Sustainability #Digitalization #Contribution

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Convenience

Set of more than 500 functions on mobile banking

#Digitalization #Convenience

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest digital & mobile customer base

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

The first bank from Turkey to sign the United Nations Women's Empowerment Principles (WEPs)

#Action #Leadership

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

The first bank to report its contribution to the Sustainable Development Goals on a Target basis

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest net income

#Leadership #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Borsa İstanbul's most valuable bank

#Leadership #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

#1 in Brand Power among private banks

#Leadership #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest score among banks reporting to DJSI Emerging Markets Index from Türkiye

#Leadership #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

First and only bank to sign UN Net-Zero Banking Alliance

#Pioneer #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

Turkey's second largest private bank in asset size

#Pioneer #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Centralization

Direct communication with 2 million customers per day with 104 scenarios on the Ruler platform

#Pioneer #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Lead

Decreasing coal risk across the entire bank portfolio: 2.12%

#Sustainability #Pioneer

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Lead

Garanti BBVA Climate Index with 11.2% higher performance than BIST100

#Sustainability #Pioneer

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

Commitment to reduce and prevent the use of 318.6 tons of plastic by 2023

#Pioneer #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Partnership

Active participant in 48 sustainability-focused working groups and 28 initiatives

#Partnership #Collaboration

More

Collaboration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Accountability

Effective governance structure with 95% committee attendance by Board

#Accountability #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Reputation

Transparency principle based disclosure

#Reputation #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Compliance

Corporate Governance Rating Score 9.79/10

#Compliance #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Equal opportunity

Target of at least 25% women members on the Board by 2025

#EqualOpportunity #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

8.48 million tons of CO2 e emission reduction through financing renewable energy projects

#Impact #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Leadership

Highest score among banks reporting to DJSI Emerging Markets Index from Türkiye

#Leadership #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Pioneer

Commitment to reduce and prevent the use of 318.6 tons of plastic by 2023

#Pioneer #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sharing

TL 43.6 million for social impact focused Community Investment Programs

#Sharing #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sharing

10,291 employees who participated in 13 Let's Talk live broadcasts with subject experts

#Sharing #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Guidance

Energy efficiency consultancy

#Guidance #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

Managing Environmental and Social Risks associated with financing activities

#Impact #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Durability

Establishing risk appetite and limits to carry out strategy confidently

#Durability #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Managing change through macro economic scenarios and stress tests

#Robustness #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Prudence

With 66% coverage 3.6% Non-performing Loans Ratio

#Prudence #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Managing change through macro economic scenarios and stress tests

#Robustness #RiskManagement

More

Risk management

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Share of Demand Deposits share in Total Deposits: 51%

#Action #Robustness

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Improvement in loan/deposit ratio to 82% on a consolidated basis

#Action #Robustness

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Largest TL Customer Deposit Portfolio: TL 180 billion

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

Capital adequacy ratio of 14.0%, well above the required levels

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Solidity

TL 610 billion cash and non-cash loan portfolio

#Robustness #Inspiration

More

Inspiration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sustainable Growth

Highest Interest Earning Assets Ratio among peers

#Action #SustainableGrowth

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Sustainable Income Generation

Highest net fees and commissions base among peers

#Action #SustainableIncomeGeneration

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Impact

TL 60 billion total contribution to sustainable development

#Sustainability #Impact

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Contribution

Contribution to 16 Sustainable Development Goals, 59 Targets

#Sustainability #Digitalization #Contribution

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

The target of becoming a carbon-neutral bank achieved 15 years earlier

#Sustainability #Success

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Decisiveness

100% share of renewable energy in new energy production financing since 2014

#Sustainability #Commitment

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Success

Total of Sustainability Funds used from international financial institutions is $1.7 billion

#Sustainability #Success

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Empowerment

Female entrepreneurs who applied to the Women Entrepreneur Awards in total >41 thousand

#Sustainability #Strengthening

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Decisiveness

22.5% market share in wind power plants

#Sustainability #Commitment

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Decisiveness

24% green assets ratio in loans under Project and Acquisition Financing

#Sustainability #Commitment

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Lead

Decreasing coal risk across the entire bank portfolio: 2.12%

#Sustainability #Pioneer

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Lead

Garanti BBVA Climate Index with 11.2% higher performance than BIST100

#Sustainability #Pioneer

More

Sustainability

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Team spirit

One team of >18 thousand employees

#TeamSpirit #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

>20 million customers

#Choice #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Customers’ primary business partner

#Choice #Acceleration

More

Acceleration

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

2.7 billion log-ins in mobile banking

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

10.6 million Garanti BBVA Mobile customers

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Nearly 16 million debit cards, close to 11 million credit cards

#Digitalization #Choice

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

63% YoY increase in total customer deposit base

#Choice #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Choice

Employee Engagement Score 4.22 out of 5 in 2021

#Choice #HumanCentricity

More

Human centricity

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Superior Performance

Return on Equity 22.6%, Return on Assets 2.5%

#Action #SuperiorPerformance

More

Action

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Compliance

Corporate Governance Rating Score 9.79/10

#Compliance #Fiduciaries

More

Fiduciaries

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Longevity

Foreign shareholder base from 33 countries

#Longevity #Trust

More

Trust

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Efficiency

97.7% share of digital channels in non-cash financial transactions (retail)

#Digitalization #Efficiency

More

Digitalization

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

New Technologies

93 processes developed with Robotic Process Automation

#Transformation #NewTechnologies

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Agility

More than 400 teams including all of technology organization work with agile

#Journey #Agility #Transformation

More

Transformation

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Intelligence

25 billion annual customer behaviors processed in real time

#Journey #Intelligence

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Financial Health

950 thousand customers started using savings products

#Journey #FinancialHealth

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Listening

First 24/7 social media customer satisfaction channel "Ask Garanti BBVA"

#Journey #Listening

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Experience

Türkiye's first AI-based smart assistant UGI offers customized solutions

#Journey #Experience

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Support

Leader in consumer, mortgage and auto loans

#Journey #Support

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

AI Solutions

37,000 solutions on more than 130 topics to branch customers with smart platform My Empathy Assistant

#Journey #AI Solutions

More

Journey

Click for detailed information about our strategies and actions in this field, our contribution to the United Nations Sustainable Development Goals and our impact on our stakeholders.

Related Topics