OUR PURPOSE

TO BRING THE AGE OF OPPORTUNITY TO EVERYONE

At the heart of Garanti BBVA's employee-centric approach lies its Values spelled out with the involvement of its employees in 2017

The values that have been identified through workshops and focus groups with the employees in a bid to redefine them reflect not only the attitudes and the vision of Garanti BBVA employees, but also their working models.

OUR VALUES

 

Underlining the customer-centric approach of Garanti BBVA, this value identifies empathizing with the customer as the top priority of employees, describes the necessity to disclose all kinds of information when responding to customer needs within the frame of responsible business principles, and calls for a resultoriented approach.

Innovation is embedded in the corporate culture of Garanti BBVA that heeds employee opinions. Employees in each position inspire their colleagues and their circles with the job they do. When serving their customers, Garanti BBVA employees go beyond meeting their needs and offer solutions that amaze the clients.

Fostering Garanti BBVA’s work culture, this value encompasses employee collaboration, the importance of commitment to work, and the sense of responsibility that needs to exist in order to achieve the “common purpose”

 

OUR COMPETITIVE ADVANTAGES

TALENT AND CULTURE MANAGEMENT

  • Practices focusing on employee happiness and work-life balance 
  • Awarded talent programs 
  • Platforms for employees to share their suggestions and innovative ideas 
  • Development model aligned with changing dynamics, where employees take responsibility for their own development in line with their career goals and shape their developments
  • In accordance to the strategic priority of “The best and most engaged team”, continuous investment mindset with a focus on employees’ development, happiness and well-being in order to ensure work-life balance
  • A fair and transparent management policy based on performance, focused on equal opportunities, diversity and internal promotion
  • Management approach that supports diversity - the only company from Türkiye to be included in the Bloomberg Gender Equality Index for six consecutive years 
  • 37 hours of training per employee on average per annum 
  • Richer training content and processes with a higher degree of digitalization backed by new platforms and new portals

STATE-OF-THE-ART TECHNOLOGY AND DATA SCIENCE

  • Business-integrated and agile project management 
  • In-house developed, custom-fit IT solutions and applications 
  • Uninterrupted transaction capability and infrastructure security 
  • Data-driven and agile decision-making processes 
  • Managing data as a corporate asset with governance models 
  • Business intelligence creation for smart decision making at every level of business using advanced data analytics 
  • Continuous investment in people and technology to improve big data engineering and analytics

SEAMLESS CUSTOMER EXPERIENCE

  • Products and services blended with emerging trends and supporting customers’ financial health
  • Suggestion mechanisms that help the customers make the best financial decisions
  • Lean and clear processes designed end-to-end through customers’ eyes
  • Smart systems offering fast and flexible solutions by predicting customer demands
  • Multi-channel customer relationship management tools delivering financial solutions to customers at the time and place of their choice while promoting their fast adaptation to the digital world
  • Employee approach that places customers at the center of activities and prioritizes customers at all times

STRONG BRAND AND CORPORATE REPUTATION

  • Holistic reputation management approach and strong reputation index
  • Garanti BBVA is described by consumers as “A pioneer in technology, offering innovative solutions to its customers’ needs, approaching its customers in a close, convenient and clear manner”
  • Holistic communication and community investment programs focused on social impact contributing to corporate reputation and brand equity
  • The first and only signatory from Türkiye to the UN Net Zero Banking Alliance (NZBA)

SEAMLESS EXPERIENCE ACROSS ALL CHANNELS

  • One-stop solution service model at branches capturing the benefits of digital world for better customer experience
  • Presence in all 81 cities with widespread branch network • Leading position in mobile & internet banking; 11 million active digital customer base
  • Leading financial Customer Contact Center with more than 60 million customer contacts per year
  • Over 66 million interactions with UGİ, the smart assistant that delivers new, easy, fast and more advanced experience to Garanti BBVA Mobile users
  • BonusFlaş: Campaigns, card activities and new generation payment technologies in a single platform
  • Rapid and secure e-commerce payment without sharing card information at more than 2,600 entities via GarantiPay
  • >5,400 ATMs, also serving non-bank customers through cardless transactions

 

OUR STRATEGIC PRIORITIES

Differentiated Value
Proposition

FINANCIAL HEALTH

  • Financial advisory to our customers to help them make the right/healthy financial decision
  • Offer our customers solutions and suggestions that cater to their needs so as to help them attain their goals
  • Deliver an excellent customer experience by placing the customers at the center of all our activities
  • Build long-lasting relationships with customers and be their trusted partner

SUSTAINABILITY

  • Positively influence customers, decision-makers and the sector being the leading bank in sustainability; continue to support raising increased awareness of this matter • Increase the diversity and use of our sustainable products offered to customers
  • Observe climate change-related risks and opportunities; integrate them into our business processes and risk policies
  • Focus on community investment programs which deliver impactful outcomes on material topics and observe impact investment principles
Drivers Of Superior
Performance

REACHING MORE CLIENTS

  • Expand our customer base and deepen our customers’ relations with our bank
  • Be wherever our customers are; make effective use of new channels including digital customer acquisition and partnerships
  • Grow in areas of focus while monitoring risk and cost

OPERATIONAL EXCELLENCE

  • Constantly build on our business model in various ways including process automation, transaction convenience and enriched remote services, etc.
  • Increase end-to-end digital solutions, continue to improve experience through investments in our digital platforms
  • Use capital effectively and maximize our value creation while focusing on sustainable growth
  • Constantly improve our business model and processes with operational efficiency point of view while pursuing cost and revenue synergies
  • Effectively manage financial and nonfinancial risk
  • s
Accelerators

DATA & TECHNOLOGY

  • Increase the agility and strength of our technological infrastructure and platforms
  • Speed up our solution processes through artificial intelligence, machine learning and big data interpretation, which is important in the day-to-day operations of the bank
  • Effectively use data analytics in various areas such as offering the right product to our customers, pricing, risk management, etc.

BEST & MOST ENGAGED TEAM

  • Invest in our human capital with a focus on their development, happiness and well-being in order to ensure work-life balance
  • Form teams nurturing our values, possessing team spirit, acting with shared wisdom, thinking big, are socially responsible and result- oriented
  • Adopt a fair and transparent management policy based on performance, focused on equal opportunities, diversity and internal promotion
 
 

Contents