Investor Relations

Founded in Ankara in 1946, Garanti BBVA is Turkey’s second-largest private bank as of March 31, 2025, with consolidated total assets of TL 3 trillion 498 billion (USD 80.3)

The Bank’s majority shareholder is Banco Bilbao Vizcaya Argentaria S.A. (BBVA), holding 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. Alongside its international subsidiaries in the Netherlands and Romania, the Bank is an integrated financial services group with operations in pension and life insurance, leasing, factoring, investment, and portfolio management.

As of March 2025, Garanti BBVA supports the economy with a total cash and non-cash loan portfolio of TL 2 trillion 603 billion, backed by our personalized solutions and broad product offering. While growing, we maintain a strong asset quality and continue to create capital through a disciplined and sustainable growth strategy. As a result, we hold leading positions in several key banking areas:

• 1 in every 2 banking customers in Turkey is a Garanti BBVA customer. With over 2 million new customers acquired annually, our total customer base has surpassed 28 million.

• We are the largest private bank in Turkish lira loans with a 21.7% market share.

• We hold the largest TL customer deposit portfolio among private banks, also with a 21.7% market share.

• With more than 24.7 million retail customers, we lead in retail loans.

• We are the second-largest private bank in TL commercial loans (including SMEs) with a 19.9% market share.

• We are the most valuable bank on BIST-100.

1 in every 5 mobile banking transactions in Turkey is conducted through Garanti BBVA Mobile, which has 16.8 million active users.

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”.

• As of March 31, 2025, we operate through an extensive distribution network of 789 domestic branches, and 7 international branches (6 in Cyprus, 1 in Malta), along with 1 representative office.

• We serve our customers with 22,724 employees, including those at subsidiaries.

• We meet the diverse financial needs of over 28 million customers.

• Through 5,909 ATMs with the latest technology, our award-winning Call Center, and internet, mobile, and social banking platforms, we provide seamless and integrated service across all channels.

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.

Garanti BBVA embraces sustainability as meeting today’s needs without compromising the ability of future generations to meet theirs—balancing economic growth with social development. Under our 2018–2025 target to provide TL 400 billion in sustainable finance, we have reached TL 386.5 billion as of March 31, 2025. In our fight against climate change, we have publicly disclosed interim 2030 decarbonization targets for carbon-intensive sectors (energy, automotive, iron & steel, cement, and coal). Our sustainability leadership is underscored by our 2024 S&P Global Corporate Sustainability Assessment score of 85, ranking us 15th out of 668 financial institutions globally.

* Please find the disclosure dated 18 May 2022

https://www.garantibbvainvestorrelations.com/en/news/detail/End-of-voluntarytender/112/8946/0

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.