Fact Sheet

    Garanti:The Leading Bank in TurkeyGaranti:The Leading Bank in Turkey

    Garanti: Pre-eminent Banking Franchise

    Garanti is an integrated financial services group operating in every segment of the banking sector including corporate, commercial, SME, payment systems, retail, private and investment banking together with its subsidiaries in pension and life insurance, leasing, factoring, brokerage, and asset management besides international subsidiaries in the Netherlands, Russia and Romania.

    Key Financial Indicators*Billion TLBillion USD
    Total Assets 229.3 109.3
    Performing Loans 133.0 63.4
    Total Deposits 123.2 58.7
    Ordinary Banking Income 4.7 2.2
    Net Income 1.9 0.9
    Shareholders' Equity 24.9 11.9

    *Figures are based on BRSA consolidated financials as of June 30,2014.

    Note: Exchange rate used for currency conversation is based on Garanti Bank’s June 30, 2014 dated financials

     

    Key Financial Ratios*
    Return On Average Equity (ROAE) 17.3%
    Return On Average Assets (ROAA) 1.8%
    Non Performing Loans Ratio (NPL) 2.7%
    Capital Adequacy Ratio (CAR) 14.0%

    *Figures are based on BRSA consolidated financials as of June 30 ,2014

    Garanti Market Shares

    Garanti's Market Shares*June 2014
    Total Performing Loans 12.2%
      TL Loans 10.5%
      FC Loans 16.8%
      Credit Cards - Issuing (Cumulative) 18.0%
      Credit Cards - Acquiring (Cumulative) 19.6%
      Retail Loans** 12.0%
    Total Deposits 11.3%
      TL Deposits 10.0%
      FC Deposits 13.4%
    Demand Deposits 13.6%
    Mutual Funds 13.2%

    *BRSA weekly data - Commercial Banks

    **Including consumer, commercial installment, overdraft accounts, credit cards and other.

    Garanti with Numbers

    Garanti with NumbersDec-13Dec-13Jun-14
    Branch Network 1,001 995 995
    + Domestic 990 984 984
    + Abroad 11 11 11
    Personnel 18,738 18,930 19,075
    ATM 4,003 3,982 4.000
    POS* 534,148 541,962 557,518
    Total Customers 12,400,077 12,635,777 12,670,879
    Internet  Banking Customers** 2,655,303 2,665,261 3,011,648
    Mobile Banking Customers** 842,191 992,695 1,143,335
    Credit Cards 9,302,545 9,384,251 9,407,532
    Debit Cards 7,350,311 7,552,086 7,350,311

    *Includes shared POS
    **Active customers only - min 1 login or call per quarter 

    NC: Not Comparable

    Key Financial Figures about Turkish Banking Sector*

    Selected Sector Figures*

    (TLmn)27.12.201327.12.201327.06.2014    YTD Chg (%)  
    Total Deposits 951,407 965,054 976,096 2.6%
       Bank Deposits 56,070 56,231 58,310

    4.0%

       Customer Deposits 895,337 908,823 917,786 2.5%
            TL Deposits 563,792 540,727 576,738 2.3%
            FC Deposits (US$mn) 155,931 169,306 161,616 3.6%
    Customer Demand Deposits 164,189 159,364 169,945 3.5%
    Total Loans 944,088 974,873 1,007,343 6.7%
       TL Loans 677,883 701,318 733,747 8.2%
       FC Loans (US$mn) 125,290 125,923 129,758 3.6%
       Retail Loans 448,299 456,966 467,405 4.3%
           Housing 105,200 107,544 109,803 4.4%
           Auto 20,076 19,369 19,025 -5.2%
           General Purpose Loans** 232,268 242,929 254,083 9.4%
        Credit Cards 90,755 87,124 84,494 -6.9%
    Loans/Deposits 99.2% 101.0% 103.2%  
    Gross NPL 26,333 28,020 22,099 -16.1%
    NPL ratio 2.7% 2.8% 2.1%  
    NPL coverage 78.2% 78.0% 76.8%  
        Gross NPL in retail loans 8,745 9,360 10,060 15.0%
        NPL ratio in retail loans 1.9% 2.0% 2.1%  
        Gross NPL in credit cards 4,761 5,286 5,286 11.0%
        NPL ratio in credit cards 5.0% 5.7% 5.9%  
    F/X Position, net (US$mn) -386 1,671 2,070  
        on B/S -31,356 -40,912 -36,293  
        off B/S 30,970 42,583 38,364  

    Source: BRSA weekly sector data, commercial banks only

    *Including consumer and commercial installment loans.

    **Including other and overdraft loans

    IR Calendar

    • 03 February 15Garanti Bank 2014 Financial Results
    • 19-22 January 15Bank of America Merrill Lynch’s 14th Annual Turkish Equity 1-1 Conference – London & New York
    • 27 October 14Garanti Bank 9M14 Financial Results

    Help and AdviceHelp and Advice

    • Who are the members of the Board of Directors?

      The members of the Garanti Bank Board of Directors are Ferit Faik Şahenk (Chairman), Süleyman Sözen (Vice Chairman), Ahmet Kamil Esirtgen, PhD Ergun Özen, M. Cüneyt Sezgin, PhD, Angel Cano Fernandez, Carlos Torres Vila, Manuel Pedro Galatas Sanchez-Harguindey, Manuel Castro Aladro Find out more

    • What is the ownership structure of Garanti Bank?

      Garanti is jointly controlled by two powerful companies, Doğuş Holding and Banco Bilbao Vizcaya Argentaria (BBVA), under the principle of equal partnership Find out more

    • Exchanges that Garanti Bank’s shares traded and the percentage of publicly traded shares.

      Garanti's shares are traded on the İstanbul Stock Exchange (ISE) under the ticker symbol "GARAN". The shares are also quoted on the London Stock Exchange Main Market. Find out more

    • What are the main subsidiaries of the Bank?

      Garantibank International N.V, Garanti Bank S.A., Garantibank Moscow, Garanti Securities, Garanti Asset Management, Garanti Leasing, Garanti Factoring, Garanti Pension and Life, Garantİ Payment Systems, Garanti Mortgage, Garanti Technology Find out more