Why Garanti BBVA?

Established in 1946, Garanti BBVA is Turkey’s second largest private bank with consolidated assets of more than TL 423 billion (USD 75.4 billion) as of March 31, 2019.

Garanti BBVA is an integrated financial services group operating in every segment of the banking sector including corporate, commercial, SME, payment systems, retail, private and investment banking together with its subsidiaries in pension and life insurance, leasing, factoring, brokerage and asset management, besides international subsidiaries in the Netherlands and Romania.

As of March 31, 2019, Garanti BBVA provides a wide range of financial services to its close to 16.7 million customers with 18,295 employees through an extensive distribution network of 922 domestic branches, 7 foreign branches in Cyprus and one in Malta, and 3 international representative offices in Düsseldorf and Shanghai. Garanti BBVA offers an omni-channel convenience with seamless experience across all channels with 5,197 ATMs, an award winning Call Center, internet, mobile and social banking platforms, all built on cutting-edge technological infrastructure.

Garanti BBVA’s Competitive Advantages

 

DYNAMIC HUMAN CAPITAL MAKING A DIFFERENCE

  • HR policies focusing on employee happiness
  • Awarded talent programs
  • Platforms to encourage employees to share their suggestions and innovative ideas
  • First company from Turkey eligible for “Gold Certificate” from Investors in People (IIP) for the second time
  • 36 hours/employee training per annum

CUSTOMER-ORIENTED INNOVATIVE PRODUCTS AND SERVICES

  • Differentiating with innovative, flexible and custom-tailored solutions
  • Conducting market research and listening to customers
  • Blending customer needs and tendencies with evolving trends

STATE-OF-THE-ART TECHNOLOGY AND EXCEPTIONAL DATA WAREHOUSING

  • Business-integrated IT
  • Fully in-house developed, custom-fit IT solutions
  • Uninterrupted transaction capability and infrastructure security
  • Dynamic and advanced technology enabling quick customer service time
  • Continuous investment in technology since 90s
  • Data-driven and agile decision-making processes
  • One of the best practices in Turkish market in terms of data consistency, reliability and report generation efficiency

BEST CUSTOMER EXPERIENCE MANAGEMENT

  • Making a difference in customer experience with smart business processes
  • Simple and clear processes/customer journeys designed in customers’ eyes
  • Systems enabling propensity analysis and product development
  • Sophisticated segmentation systems Multi-channel CRM tools offering effective & timely solutions

STRONG BRAND AND REPUTATION

  • Consistent communication and Community Investment Programs contributing to brand perception
  • Holistic reputation management approach and strong reputation index
  • Consumers define Garanti BBVA as “Leader in technology, innovative and makes the life easier”

CENTRALIZED OPERATIONS

  • First bank to set up centralized operations in Turkey
  • 99% centralization ratio
  • First bank in Turkey to create “paperless banking” operating environment
  • First bank in the world to implement ID scanning facilities in branches
  • Alleviating branches’ operational workloads through effective use of technology

SINGLE POINT OF CONTACT FOR ALL FINANCIAL NEEDS

  • International banking operations in the Netherlands and Romania since 90s
  • Leading position in bancassurance
  • 22 out of 100 new pension participants in Turkey choose Garanti BBVA
  • Fastest mortgage process in the world by granting within the same day of application as long as the appraisal report is ready
  • Leading position with TL 15 billion factoring volume and total assets of TL 3.5 billion
  • Leading position in leasing sector with more than 2,400 contracts
  • Turkey’s first asset management company
  • Strong presence in capital markets with over 8% brokerage market share and 11% in the futures market

OMNI-CHANNEL CONVENIENCE WITH SEAMLESS EXPERIENCE ACROSS ALL CHANNELS

  • New service model with renovated branches capturing the benefits of digital world for better customer experience
  • Presence in 81 cities with widespread branch network
  • Leading position in internet & mobile banking
  • 95% of non-cash financial transactions occur via digital channels
  • Offering solutions based on tendencies and location, Bonus Flas: more than 4 million downloads within two years
  • ~5,000 ATMs, also serving non-bank customers through cardless transactions
  • Leading financial call center with more than 77 million customer contacts per year
  • Offering personalized financial management services
  • 1 out of every 4 transactions handled via digital channels in Turkey go through “Garanti BBVA”