Products

Products

• Renewable Energy Loans: Renewable energy investment-related transactions that meet the criteria lists are supported with low interest rate advantages. The cumulative amount of financing provided by Garanti BBVA for renewable energy investments has exceeded USD 6 billion. 
• Energy Efficiency Loans: Low interest rate advantages are offered for technologies that provide energy efficiency compared to the current situation and reduce energy consumption per unit of product.
• Building Insulation Loans: Building Insulation Credit was created to support efficient energy use in buildings and to improve insulation investments. Customers can get building insulation loans with easy, fast and advantageous interest rates with shopping loans within 5 minutes.
• Corporate Roof SPS Loan: With the Solar Energy Loan, customers can benefit from favorable conditions and a grace period of up to 2 years in financing unlicensed electricity generation projects from solar energy. By generating their own electricity, corporate entities reduce their costs and support the widespread use of environmentally friendly resources. Unlicensed electricity generation projects are also supported by the state through legal regulations; there is a purchase guarantee for the excess electricity generated and not used by the relevant responsible supply company at the tariff determined for 10 years.
• Retail Rooftop SPS Investment Loan:  For customers who wish to utilize solar energy in their buildings, Retail Rooftop Solar Energy System (SPS) shopping loan, the first of its kind in Türkiye, is offered to our customers.
• Green Mortgage Loan: Green Mortgage Loan was offered to our customers in 2017 to encourage living in green and environmentally friendly buildings.
• Urban Transformation Loan: Urban transformation loan is a type of loan offered for the owners and tenants living in houses located in risky areas within the scope of the relevant law. In order to be eligible for an urban transformation loan, the dwelling must be located within the definition of "Risky Area" or "Risky Building" and this situation must be determined through technical documents. Within the scope of creating and supporting sustainable cities, the Urban Transformation Loan can be evaluated within the scope of sustainability in line with the compliance of the criteria.
• Environmentally-Friendly Auto Loan:  Introduced to consumers in May 2017 for the financing of hybrid and electric cars that provide fuel efficiency and stand out with their environmental features, the Environmentally-Friendly Auto Loan  disbursement amount for 2021 exceeded TL 39 million.
• Corporate Green Vehicle Loan: Within the scope of this product, Garanti BBVA offers this product to all corporate companies, fleet leasing and vehicle financing companies in order to popularize the use of environmentally friendly vehicles. Thanks to the Corporate Green Vehicle Loan, a first of its kind in Türkiye, Garanti BBVA aims to contribute to the future of the world by encouraging companies to switch to more efficient hybrid and electric vehicles with low interest rate advantages, while encouraging the renewal of fleets with environmentally friendly vehicles.
• Electric Charging Station Loan: Customers who want to establish an e-charging station to create smart, reliable and emission-free mobility can easily use shopping credits. The financing facility, which paves the way for the establishment of the infrastructure required for electric vehicles, offers customers special price and maturity options.
• Electric Bicycle Special Shopping Credit:  With the Electric Bicycle Special Shopping Loan provided to support the theme of green transportation, customers can quickly use loans with advantageous interest rates.
• Green Leasing Loan: Within the scope of the loan, interest-advantaged loans are offered for leasing transactions related to sustainability (energy efficient equipment, etc.).
• Agricultural Loans (Organic Agriculture, Irrigation Loans, No-Till Farming, Digital Agriculture, Agricultural SPS Loans): In order to support sustainable agriculture, organic agriculture, more efficient water consumption, no-till farming, energy efficiency in agriculture (e.g. Agriculture SPS) projects are supported with low interest rate advantages.
• Digital Carbon Credit: Corporate customers who have difficulty accessing voluntary carbon markets can access a direct, transparent, secure and low transaction cost carbon credit procurement tool in cooperation with Garanti BBVA and Erguvan, a digital carbon credit trading platform.
• Sustainability-Linked Loans: Flexible structures, that can be designed specifically for each customer in sustainability-related credit structures, make it possible to create more tangible effects by integrating sustainability into the decision-making mechanism and evaluating strategic priorities. The suitability of the targets that can be set in each of the environmental, social and governance (ESG) pillars of sustainability is determined by the consensus of Garanti BBVA's sustainability teams and the loan requesting company. Target realizations are verified by the Second Party Opinion (SPO).
• Women Entrepreneur Loans: Since 2006, Garanti BBVA has relentlessly supported active participation of women in employment and economic life, with the understanding that an inclusive economy where all individuals make use of opportunities equally will grow faster and more efficiently. The Bank’s efforts in empowering women entrepreneurs are categorized under four headings: “providing finance”, “encouraging”, “training” and “accessing new markets”. The amount of TL cash loans provided under financing support to women entrepreneurs, categorized as a special customer group, exceeded TL 11 billion by the end of 2021 in all segments combined.
• Gender Equality Loan: Additionally, Garanti BBVA keeps promoting gender equality also through its products. With the Gender Loan it has launched as the world’s first in 2019, it keeps helping the business world contribute to gender equality. With the loan structure, customers are set targets based on their gender equality efforts. Post-transaction annual evaluations are conducted by social experts. Depending on the structure, Second Party Opinion (SPO).may also be required under the loan conditions.
• Green IPO: In 2021, Türkiye's first green IPO was realized under the leadership of Garanti BBVA. In addition to the sustainability rating audit received from an international rating agency for the IPO process, environmental and social commitments were added to the prospectus submitted to the SPK.
• Green Direct Debit System (DDS): The product offered for use as Turkey's first Green DDS product was presented by Garanti BBVA. The Green DDS (Direct Debit System product is defined for the companies that Garanti BBVA determines to be green in their activities and has a dealer network, and it provides a positive contribution in financing to companies that contribute to sustainability with advantageous annual commission rates.
• Sustainable investment funds:  3 mutual funds public offering under sustainability theme took place under Garanti BBVA Asset Management in 2021. Total worth of Garanti AM Clean energy Variable Fund, Garanti AM Sustainability Equity Fund and Garanti AM ESG Sustainability Fund Basket Fund reached TL 445 million at year-end.
• Sustainable Pension’s Sustainability Fund: Garanti Pension’s Sustainability Equity Fund was worth TL 648 million as at end-2021 and made up 35% of Garanti Pension Equity Funds. Garanti Pension Sustainability Equity Fund ranked among the top 10 performers in terms of returns in the sector, and kept building up participants’ savings