Garanti BBVA in Numbers
| Branch |
806 |
795 |
| Domestic |
797 |
787 |
| Abroad |
9 |
8 |
| Personnel |
22.370 |
22.664 |
| ATM |
5.710 |
5.820 |
| POS |
864.711 |
864.055 |
| Total Customer |
27.133.767 |
27.717.447 |
| Digital Banking Customer |
16.310.838 |
16.718.413 |
| Mobile Banking Customer |
16.093.918 |
16.520.118 |
| Credit Card Customer |
11.485.802 |
11,825995 |
| Credit Cards |
16.518.094 |
17,056271 |
| Debit Cards |
22.123.198 |
22,560683 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 31 December 2024 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
16,5% |
16,9% |
42 bps |
#1* |
| Cons. Mortgage Loans |
11,8% |
13,1% |
130 bps |
#3* |
| Consumer Auto Loans |
19,9% |
22,1% |
216 bps |
#2* |
| Cons. General Purpose Loans |
15,3% |
14,9% |
-37 bps |
#1* |
| TL Business Banking |
8,9% |
8,8% |
-6 bps |
#2* |
| # of CC customers 1 |
14,0% |
14,2% |
19 bps |
#1 |
| Issuing Volume (Cumulative) 1 |
16,9% |
17,0% |
16 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
16,6% |
16,6% |
6 bps |
#1 |
* Rankings are among private banks as of September 2024
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 27.12.2024, for commercial banks
2 Cumulative figures and rankings as of December 2024, as per Interbank Card Center data. Rankings areamong private banks.
| Net Interest Income |
126.038 |
| Operating Expenses |
-106.650 |
| - HR Costs |
-40.785 |
| - Other Operating Expenses |
-65.865 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-12.098 |
| Net Fees & Commisions |
97.107 |
| NET INCOME |
92.179 |
| Return on Average Equity |
32,5% |
| Return on Average Assets |
3,5% |
| Non Performing Loans Ratio |
2,1% |
| Capital Adequacy Ratio |
18,2% |
| Net Cost of Risk1 |
0,78% |
| FEE / OPEX |
91% |
Note: Figures are per 31 December 2024 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)