Garanti BBVA in Numbers
| Branch |
838 |
805 |
| Domestic |
829 |
796 |
| Abroad |
9 |
9 |
| Personnel |
18.544 |
18.965 |
| ATM |
5.450 |
5.511 |
| POS |
777.497 |
808.478 |
| Total Customer |
23.035.557 |
25.187.089 |
| Digital Banking Customer |
13.386.156 |
15.046.929 |
| Mobile Banking Customer |
13.032.549 |
14.768.620 |
| Credit Card Customer |
9.220.070 |
10.486.454 |
| Credit Cards |
12.893.009 |
15.183.137 |
| Debit Cards |
19.027.213 |
20.973.862 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
* Mainly composed of NPLs and accruals of foreign-currency protected deposits’ currency difference (TL 24bn as of Dec’2023 vs. TL 22bn as of Sept. 2023 )
1 Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per31 December 2023 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
14.0% |
254 bps |
14,7% |
16,5% |
188 bps |
#1* |
| Cons. Mortgage Loans |
7,1% |
160 bps |
8,7% |
8,7% |
-8 bps |
#2* |
| Consumer Auto Loans |
15.2% |
486 bps |
15,1% |
20,0% |
495 bps |
#2* |
| Cons. General Purpose Loans |
14.1% |
85 bps |
13,2% |
14,9% |
173 bps |
#3* |
| TL Business Banking |
8.4% |
6 bps |
8,0% |
8,1% |
11 bps |
#1* |
| # of CC customers 1 |
13.6% |
-10 bps |
13,5% |
13,5% |
-6 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
17.7% |
-55 bps |
17,5% |
17,2% |
-29 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
17.0% |
-123 bps |
16,9% |
16,8% |
-12 bps |
#1 |
* Rankings are among private banks as of September 2023
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 29.12.2023, for commercial banks
2 Cumulative figures and rankings as of December2023, as per Interbank Card Center data. Rankings areamong private banks.
| Net Interest Income |
81,097 |
| Operating Expenses |
-56,054 |
| - HR Costs |
-20,849 |
| - Other Operating Expenses |
-35,204 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-6,171 |
| Net Fees & Commisions |
43,501 |
| NET INCOME |
86,907 |
| Return on Average Equity |
44.5% |
| Return on Average Assets |
4.9% |
| Non Performing Loans Ratio |
2.1% |
| Capital Adequacy Ratio |
16.5% |
| Net Cost of Risk1 |
0.6% |
| FEE / OPEX |
78% |
Note: Figures are per 31 December 2023BRSA Consolidated financials
1 Neutral impact at bottom line, as provisions due to currency depreciation are 100% hedged (FX gain included in Net trading income line)