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 240.8 107.0
Performing Loans 140.6 62.5
Total Deposits 126.5 56.2
Ordinary Banking Income 7.0 3.1
Net Income 2.9 1.3
Shareholders' Equity 25.7 11.4

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

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

 

Key Financial Ratios*
Return On Average Equity (ROAE) 17.1%
Return On Average Assets (ROAA) 1.7%
Non Performing Loans Ratio (NPL) 2.8%
Capital Adequacy Ratio (CAR) 13.7%

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

Garanti Market Shares

Garanti's Market Shares*September 2014
Total Performing Loans 12.3%
  TL Loans 10.7%
  FC Loans 16.1%
  Credit Cards - Issuing (Cumulative) 18.2%
  Credit Cards - Acquiring (Cumulative) 19.9%
  Retail Loans** 12.1%
  Consumer Loans*** 13.9%
Total Deposits 11.1%
  TL Deposits 9.5%
  FC Deposits 13.3%
Demand Deposits 13.8%
Mutual Funds 11.5%

*BRSA weekly data - Commercial Banks

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

***Including consumer credit cards and other.

Garanti with Numbers

Garanti with NumbersDec-13Jun-14Sep-14
Branch Network 1,001 995 998
+ Domestic 990 984 987
+ Abroad 11 11 11
Personnel 18,738 19,075 19,202
ATM 4,003 4.000 4,025
POS* 534,148 557,518 570,365
Total Customers 12,400,077 12,670,879 12,889,004
Internet  Banking Customers** 2,655,303 3,011,648 2,730,467
Mobile Banking Customers** 842,191 1,143,335 1,364,460
Credit Cards 9,302,545 9,407,532 9,442,066
Debit Cards 7,350,311 7,350,311 7,847,064

*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)27.12.201327.06.201426.09.2014    YTD Chg (%)  
Total Deposits 951,407 976,096 1,030,134 8.3%
   Bank Deposits 56,070 58,310 66,249

18.2%

   Customer Deposits 895,337 917,786 963,885 7.7%
        TL Deposits 563,792 576,738 590,792 4.8%
        FC Deposits (US$mn) 155,931 161,616 166,289 6.6%
Customer Demand Deposits 164,189 169,945 177,800 8.3%
Total Loans 944,088 1,007,343 1,061,706 12.5%
   TL Loans 677,883 733,747 762,358 12.5%
   FC Loans (US$mn) 125,290 129,758 133,505 6.6%
   Retail Loans 448,299 467,405 484,678 8.1%
       Housing 105,200 109,803 114,239 8.6%
       Auto 20,076 19,025 18,786 -6.4%
       General Purpose Loans** 232,268 254,083 267,925 15.4%
    Credit Cards 90,755 84,494 83,728 -7.7%
Loans/Deposits 99.2% 103.2% 103.1%  
Gross NPL 26,333 22,099 23,590 -10,4%
NPL ratio 2.7% 2.1% 2.2%  
NPL coverage 78.2% 76.8% 77.6%  
    Gross NPL in retail loans 8,745 10,060 11.047 26,3%
    NPL ratio in retail loans 1.9% 2.1% 2.2%  
    Gross NPL in credit cards 4,761 5,286 5,724 20,2%
    NPL ratio in credit cards 5.0% 5.9% 6.4%  
F/X Position, net (US$mn) -386 2,070 -1,325  
    on B/S -31,356 -36,293 -38,062  
    off B/S 30,970 38,364 36,738  

Source: BRSA weekly sector data, commercial banks only

*Including consumer and commercial installment loans.

**Including other and overdraft loans

IR Calendar

  • 27 October 14Garanti Bank 9M14 Financial Results
  • 30 September 14-01 October 14BofAM Merrill Lynch 19th Annual Banking & Insurance CEO Conference - London
  • 12 September 14BGC Partners Investor Conference-London

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