Garanti BBVA in Numbers
| Branch |
798 |
795 |
| Domestic |
790 |
787 |
| Abroad |
8 |
8 |
| Personnel |
23,418 |
23,311 |
| ATM |
6,181 |
6,558 |
| POS |
874,417 |
870,653 |
| Total Customer |
29,470,947 |
30,141,660 |
| Digital Banking Customer |
17,630,908 |
18,040,749 |
| Mobile Banking Customer |
17,476,210 |
17,893,337 |
| Credit Card Customer |
12,903,502 |
13,226,733 |
| Credit Cards |
18,598,463 |
19,153,633 |
| Debit Cards |
22,912,747 |
23,387,621 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 December 2025 BRSA consolidated financials.
MARKET SHARES
| Consumer Loans inc. Consumer CCs |
17.3% |
17.7% |
39 bps |
#1 |
| Cons. Mortgage Loans |
15.3% |
16.0% |
76 bps |
#2 |
| Consumer Auto Loans |
31.0% |
31.9% |
91 bps |
#1 |
| Cons. General Purpose Loans |
15.9% |
16.5% |
66 bps |
#2 |
| TL Business Banking |
8.4% |
8.0% |
-38 bps |
#2 |
| # of CC customers1 |
14.5% |
14.7% |
15 bps |
#1 |
| Issuing Volume (Cumulative)1 |
17.3% |
17.3% |
4 bps |
#1 |
| Acquiring Volume (Cumulative)1 |
15.8% |
15.8% |
-3 bps |
#2 |
Rankings are among private banks as of December 2025
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 26.12.2025, for commercial banks
2 Cumulative figures and rankings as of December 2025, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
204,745 |
| Operating Expenses |
-178,553 |
| - HR Costs |
-61,259 |
| - Other Operating Expenses |
-117,294 |
| Net Exp. Loan Loss Prov. (excl. Currency impact)1 |
-34,939 |
| Net Fees & Commissions |
145,477 |
| NET INCOME |
111,262 |
| Return on Average Equity |
29.1% |
| Return on Average Assets |
2.9% |
| Non-Performing Loans Ratio |
3.1% |
| Capital Adequacy Ratio |
17.5% |
| Net Cost of Risk1 |
1.51% |
| FEE / OPEX |
81% |
Note: Figures are per 31 December 2025 BRSA 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)