Garanti BBVA in Numbers
| Branch |
805 |
806 |
| Domestic |
796 |
797 |
| Abroad |
9 |
9 |
| Personnel |
22.091 |
22.370 |
| ATM |
5.649 |
5.710 |
| POS |
847.776 |
864.711 |
| Total Customer |
26.478.266 |
27.133.767 |
| Digital Banking Customer |
15.890.145 |
16.310.838 |
| Mobile Banking Customer |
15.644.794 |
16.093.918 |
| Credit Card Customer |
11.124.785 |
11.485.802 |
| Credit Cards |
15.949.824 |
16.518.094 |
| Debit Cards |
21.636.676 |
22.123.198 |
ASSET BREAKDOWN
LIABILITIES & SHE BREAKDOWN
1Includes funds borrowed, sub-debt & FC securities issued.
Note: Figures are per30 September 2024 BRSA consolidated financials.
| Consumer Loans inc. Consumer CCs |
15,7% |
16,5% |
77 bps |
#1* |
| Cons. Mortgage Loans |
10,0% |
11,8% |
181 bps |
#3* |
| Consumer Auto Loans |
19,1% |
19,9% |
82 bps |
#2* |
| Cons. General Purpose Loans |
14,7% |
15,3% |
57 bps |
#3* |
| TL Business Banking |
9,2% |
8,9% |
-27 bps |
#2* |
| # of CC customers 1 |
13,7% |
14,0% |
25 bps |
#1* |
| Issuing Volume (Cumulative) 1 |
16,7% |
16,9% |
19 bps |
#1 |
| Acquiring Volume (Cumulative) 1 |
16,5% |
16,6% |
10 bps |
#1 |
* Rankings are among private banks as of June 2024
1 Sector figures used in market share calculations are based on bank-only BRSA weekly data as of 27.09.2024, for commercial banks
2 Cumulative figures and rankings as of September 2024, as per Interbank Card Center data. Rankings areamong private banks.
| Net Interest Income |
85,555 |
| Operating Expenses |
-72,807 |
| - HR Costs |
-28,276 |
| - Other Operating Expenses |
-44,531 |
| Net Exp. Loan Loss Prov. (excl.Currency impact) 1 |
-9,978 |
| Net Fees & Commisions |
67,980 |
| NET INCOME |
66,950 |
| Return on Average Equity |
32,9% |
| Return on Average Assets |
3,5% |
| Non Performing Loans Ratio |
2,1% |
| Capital Adequacy Ratio |
15,8% |
| Net Cost of Risk1 |
0,90% |
| FEE / OPEX |
93% |
Note: Figures are per 30 September 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)