Garanti BBVA in Numbers
| Branch |
796 |
793 |
| Domestic |
790 |
787 |
| Abroad |
6 |
6 |
| Personnel |
23,288 |
23,097 |
| ATM |
6,562 |
6,593 |
| POS |
932,287 |
1,009,456 |
| Total Customer |
31,186 |
31,773 |
| Digital Banking Customer |
18,479 |
18,878 |
| Mobile Banking Customer |
18,349 |
18,761 |
| Credit Card Customer |
13,956 |
14,313 |
| Credit Cards |
20,595 |
21,214 |
| Debit Cards |
24,207 |
24,693 |
ASSET BREAKDOWN
1 In 9M26, due to the ongoing sale process of our Romania subsidiary, related balance sheet items have been reclassified under “Assets held for sale and discontinued operations.”
LIABILITIES & SHE BREAKDOWN
1 Includes bonds issued, funds borrowed, sub-debt.
2 9M26, due to the ongoing sale process of our Romania subsidiary, related balance sheet items have been reclassified under “Liabilities for assets held for sale and assets of discontinued operations.” YtD Growth excludes Romania impact for fair comparison.
MARKET SHARES
| TL loans |
21.6% |
22.4% |
79 bps |
#1* |
| Consumer Loans inc. Consumer CCs |
23.6% |
24.0% |
41 bps |
#1* |
| Cons. Mortgage Loans |
28.7% |
28.3% |
-41 bps |
#1* |
| Consumer Auto Loans |
41.1% |
37.8% |
-332 bps |
#1* |
| Cons. General Purpose Loans |
21.6% |
22.2% |
60 bps |
#1* |
| TL Business Banking |
17.9% |
18.9% |
100 bps |
#2* |
| # of CC customers2 |
22.6% |
20.9% |
-169 bps |
#1* |
| Issuing Volume (Cumulative)2 |
14.8% |
15.0% |
12 bps |
#1 |
| Acquiring Volume (Cumulative)2 |
17.4% |
17.5% |
8 bps |
#1 |
* Rankings are among private commercial banks as of June 2026
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data, for private commercial banks as of 25.09.2026.
2 Cumulative figures and rankings as of September 2026, as per Interbank Card Center data. Rankings are among private banks.
| Net Interest Income |
226,039 |
| Operating Expenses |
-166,992 |
| - HR Costs |
-60,549 |
| - Other Operating Expenses |
-106,443 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-58,853 |
| Net Fees & Commissions |
-141,161 |
| NET INCOME |
98,191 |
| Return on Average Equity |
27.5% |
| Return on Average Assets |
2.6% |
| NIM Incl. swap cost (Cumulative) |
6.0% |
| Non-Performing Loans Ratio |
3.9% |
| Capital Adequacy Ratio |
16.15% |
| Net Cost of Risk1 |
2.58% |
| FEE / OPEX |
85% |
| Cost / Income |
46% |
Note: Figures are per 30 September 2026 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)