Garanti BBVA in Numbers
| Branch |
798 |
798 |
| Domestic |
790 |
790 |
| Abroad |
8 |
8 |
| Personnel |
22,985 |
23,418 |
| ATM |
6,026 |
6,181 |
| POS |
864,331 |
874,417 |
| Total Customer |
28,777,503 |
29,470,947 |
| Digital Banking Customer |
17,273,721 |
17,630,908 |
| Mobile Banking Customer |
17,113,698 |
17,476,210 |
| Credit Card Customer |
12.516619 |
12.903502 |
| Credit Cards |
18.042846 |
18.598463 |
| Debit Cards |
22.352810 |
22.912747 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per 30 September 2025 BRSA consolidated financials.
MARKET SHARES
| Consumer Loans inc. Consumer CCs |
16.9% |
17.3% |
43 bps |
#1* |
| Cons. Mortgage Loans |
14.7% |
15.3% |
62 bps |
#2* |
| Consumer Auto Loans |
28.2% |
31.0% |
273 bps |
#1* |
| Cons. General Purpose Loans |
15.5% |
15.9% |
39 bps |
#1* |
| TL Business Banking |
8.6% |
8.4% |
-20 bps |
#2* |
| # of CC customers1 |
14.5% |
14.5% |
2 bps |
#1 |
| Issuing Volume (Cumulative)1 |
17.2% |
17.3% |
3 bps |
#1 |
| Acquiring Volume (Cumulative)1 |
15.9% |
15.8% |
-2 bps |
#2 |
Rankings are among private banks as of June 2025
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 26.09.2025, for commercial banks
2 Cumulative figures and rankings as of September 2025, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
137,849 |
| Operating Expenses |
-123,993 |
| - HR Costs |
-43,157 |
| - Other Operating Expenses |
-80,836 |
| Net Exp. Loan Loss Prov. (excl. Currency impact)1 |
-20,868 |
| Net Fees & Commissions |
104,410 |
| NET INCOME |
84,474 |
| Return on Average Equity |
30.9% |
| Return on Average Assets |
3.1% |
| Non-Performing Loans Ratio |
2.8% |
| Capital Adequacy Ratio |
16.3% |
| Net Cost of Risk1 |
1.27% |
| FEE / OPEX |
84% |
Note: Figures are per 30 September 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)