Garanti: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 TL||Billion USD|
|Ordinary Banking Income||7.0||3.1|
*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%|
|Credit Cards - Issuing (Cumulative)||18.2%|
|Credit Cards - Acquiring (Cumulative)||19.9%|
*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 Numbers||Dec-13||Jun-14||Sep-14|
|Internet Banking Customers**||2,655,303||3,011,648||2,730,467|
|Mobile Banking Customers**||842,191||1,143,335||1,364,460|
*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)||27.12.2013||27.06.2014||26.09.2014||YTD Chg (%)|
|FC Deposits (US$mn)||155,931||161,616||166,289||6.6%|
|Customer Demand Deposits||164,189||169,945||177,800||8.3%|
|FC Loans (US$mn)||125,290||129,758||133,505||6.6%|
|General Purpose Loans**||232,268||254,083||267,925||15.4%|
|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|
Source: BRSA weekly sector data, commercial banks only
*Including consumer and commercial installment loans.
**Including other and overdraft loans
- 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 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