Aiming to generate and utilize capital effectively with the principle of real and responsible banking, Garanti BBVA contributes to the growth of the national economy while producing solid and sustainable financial performance with its disciplined growth, dynamically managed balance sheet and strong relationship banking
1 Net CoR excludes currency impact, as it is 100% hedged, no bottom line impact. 2 Calculated based on bank only MIS data, using daily averages. 3 Income defined as NII inc. Swaps + Net F&C + Dividend Income + Subsidiary Income + Net Trading Income (excludes swaps & currency hedge) + Other income (net of prov. Reversals) *Excluding BRSA forbearance.