Investor Relations

Founded in Ankara in 1946, Garanti BBVA is Turkey’s second-largest private bank, with consolidated total assets of 4.8 trillion TL as at 31 March 2026. Garanti BBVA’s majority shareholder is Banco Bilbao Vizcaya Argentaria S.A. (BBVA), which holds 85.97% of its shares.

Garanti BBVA, operates in all segments of the banking sector—including corporate, commercial, SME, retail, private and investment banking, as well as payment systems—Garanti BBVA is an integrated financial services group comprising its international subsidiary in the Netherlands, alongside financial subsidiaries in the fields of personal pensions and life insurance, financial leasing, factoring, investment and portfolio management.

• An extensive distribution network comprising 789 branches in Turkey, 4 in Cyprus, 1 in Malta and 1 representative office abroad, as of 31 March 2026,
• We meet the financial needs of 30.6 million customers,with a total of 23,376 employees (including subsidiaries)
• With 6,537 ATMs equipped with the latest technological infrastructure, Customer Contact Center, and internet, mobile and social banking platforms, we offer a seamless experience across all channels and integrated channel convenience.

As Garanti BBVA, we are supporting the economy with a cash and non-cash loan portfolio worth 3.6 trillion TL as of 31 March 2026, thanks to the personalised solutions and extensive product range we offer our customers. As we grow, we do not compromise on the sound quality of our assets. Through our disciplined and sustainable growth strategy, we are moving forward with strong steps by generating capital. As a result, we hold a leading position in many core banking service areas:

HIGHEST PROFITABILITY AND CAPITAL

• Highest Net Earnings generation capability – Return on Equity:30%
• Highest solvency ratios – Consolidated capital Adequacy Ratio: 16% vs. required level of 12%
• Most valuable bank in BIST-100 with 12.5bn$ market share as of 30 April 2026

LARGEST LENDER IN TL LOANS, CONSUMER LOANS AND CREDIT CARDS

• We are the largest private bank in TL loans with a 21.9% market share.
• We hold a strong TL customer deposit portfolio among private banks with a 21.8% market share.
• We are the leader in consumer loans (including credit cards) with %23 market share among peers
• We have the largest credit card platform: #1 in credit card customer numbers, issuing and acquiring volumes.
• We have a leading position in SME loans with 24.5% market shares among private banks

A UNIQUE CUSTOMER EXPERIENCE THROUGH A SUPERIOR DIGITAL EXPERIENCE

• 1 in every 2 banking customers in Turkey is a Garanti BBVA customer.
• 2.4 million new customers acquired YoY, the total customer base has exceeded 30.6 million, as of March-end
• With 18.1 million active mobile users, 1 in every 5 mobile banking transactions in Turkey is carried out via Garanti BBVA Mobile.

The digital assistant UGİ reached 8.8 million customers via mobile channels.

Customers’ Primary Financial Solutions Partner;

• - NTS: #1 in Mobile Banking and Commercial Banking*
• - NTS: #2 in Retail Banking and SME Banking**

LEADING THE TRANSITION THROUGH SUSTAINABLE FINANCE

• The first company in Turkey to announce a decarbonisation target, with a sustainable finance target of 3.5 trillion TL for the 2025–2029 period. As of Q1 2026, our contribution to sustainable development has reached 1.3 trillion TL.

Garanti BBVA’s strategy revolves around a single Purpose: “Support your drive to go further”.

• “Support”: We support our customers with continuous assistance, listening closely, understanding their needs, and adapting accordingly. We place empathy at the center of our approach, aiming to truly understand our customers and become their trusted companion.
• “Your drive”: We stand alongside individuals and businesses, encouraging their desire to take one step further every day.
• “To go further”: This defines the core of our business. We work to be present in key moments in life, offering consistent support, listening, understanding, and adapting to the needs of those who trust us.

At Garanti BBVA, we aim to use our capital most effectively—continuing to invest in our customers, employees, and technology—with the goal of creating maximum value for all our stakeholders, especially for the Turkish economy. In this direction, we continuously evolve our service model to deliver “the best customer experience”.

Our success is driven by data, technology, and our people. We continue to invest in robust and reliable technological infrastructure, leveraging advanced data analytics and artificial intelligence. At the same time, we believe that people are at the heart of all progress. Therefore, attracting, developing, and empowering top talent remains a top priority

* Net Promoter Score (NPS) research was conducted for Garanti BBVA by the independent research company Ipsos. The peer set comprises İşbank, Akbank and Yapı Kredi Bank. The study was carried out with 18,401 respondents during the January–December 2025 period, among customers who identify the relevant bank as their main bank and who have used at least one of the bank’s branch or digital channels within the last three months. The research was conducted using online panel and telephone methodologies, based on a quota sampling approach aligned with the Garanti BBVA customer profile. The telephone study was conducted using the Garanti BBVA customer list as the sampling frame. Garanti BBVA Mobile NPS research was conducted with actual customers by the independent research company Ipsos. The peer set comprises the mobile applications of İşbank, Akbank and Yapı Kredi Bank. The study was carried out with 9,732 respondents during the January–December 2025 period for the two most frequently used applications by customers. It was conducted via an online panel, using a quota sampling approach aligned with the Garanti BBVA customer profile.

** Commercial NPS research was conducted for Garanti BBVA by the independent research company Ipsos. The peer set comprises İşbank, Akbank and Yapı Kredi Bank. The study was carried out with 2,344 respondents during the January–December 2025 period, among customers who identify the relevant bank as their main or secondary bank and who have used at least one of the bank’s branch or digital channels within the last three months. The research was conducted using telephone methodology, based on the Garanti BBVA customer list as the sampling frame. Note: Market shares and rankings based on bank-only BRSA Weekly Data, among private banks Note: Branch, ATM and Customer data do not include companies subject to consolidation.

Note: Market shares and rankings based on bank-only BRSA Weekly Data, among private banks

Note: Branch, ATM and Customer data do not include companies subject to consolidation