Competitive Advantages

DYNAMIC HUMAN RESOURCES CAPABLE OF MAKING A DIFFERENCE

• HR policies targeted at employee satisfaction
• Awarded talent programs
• ~21,000 employee suggestion & ideas collected
• 88% of employees are university graduates
• First company from Turkey to earn the “Gold Certificate” from Investors in People (IIP) for the second time
• 36 hours/employee training per annum
• ~113,000 hours of trainings are delivered through technological methods

 

STATE-OF-THE-ART TECHNOLOGY

• Business-integrated IT
• Fully in-house developed, custom-fit IT solutions
• Uninterrupted transaction capability and infrastructure security
• Dynamic and advanced technology enabling quick customer service tim
• Reputation as “innovator”
• Continuous investment in technology since 90s

 

INNOVATIVE CUSTOMER-ORIENTED PRODUCTS AND SERVICES

• Differentiating with innovative, flexible and custom-tailored solutions
• Blending customer needs and tendencies with evolving trends
• Conducting market research and listening to customers
• Encouraging employees to share their suggestion and innovative ideas

 

BEST CUSTOMER RELATIONSHIP MANAGEMENT SOLUTIONS

• Systems enabling profitability & propensity analysis and product development
• Sophisticated segmentation systems
• Multi-channel CRM tools offering effective & timely solutions
• Operational efficiency, sales effectiveness and digitalization
• Making a difference in customer experience with smart business processes

 

STRONG BRAND AND REPUTATION

• Customer centricity measured periodically via Customer Centricity Index based on quantitative parameters
• Consistent communication and corporate responsibility projects continuously contribute to brand perception
• Emotional connection differentiates Garanti BBVA brand from others.
• Customers define Garanti BBVA as “Self renewing, leader in technology, offers fast and quality service, acts responsible towards obstacles, provides solutions, makes you feel special and worthy". 

 

EXCEPTIONAL DATA WAREHOUSING AND MANAGEMENT REPORTING (MR)

• Centralized MR, enabling management to take timely actions
• Proactive business support in the decisionmaking process
• One of the best practices in Turkish market in terms of data consistency, reliability and report generation efficiency
• Reports generating significant inputs for Asset Liability Management process

 

CENTRALIZED OPERATIONS

• First bank to set up centralized operations in Turkey
• 99% centralization ratio
• Warehousing all data electronically
• First bank in Turkey to create “paperless banking” operating environment
• First bank in the world to implement ID scanning facilities in branches
• Alleviating branches’ operational workloads through effective use of technology
• Best in class operational efficiencies and superior employee productivity

 

SINGLE POINT OF CONTACT FOR ALL FINANCIAL NEEDS

• International banking operations in the Netherlands and Romania since 1990s
• Leading position in bancassurance
• 23 out of 100 pension participants in Turkey choose Garanti BBVA
• Fastest mortgage process in the world by granting within the same day of application as long as the appraisal report is ready
• Leading position with TL 14 billion factoring volume and total assets of TL 2.9 billion
• Leading position in leasing sector with more than  2,800 contracts
• Turkey’s first asset management company
• Strong presence in capital markets with 8% brokerage market share and over 10% in the futures market

 

EXTENSIVE BRANCH NETWORK

• 100% geographical coverage
• Presence in 81 cities
• Tripled branch network since 2002
• %58 of branch openings since 2005 are outside of Istanbul, Ankara and Izmir
• Highest per branch efficiency by loans, customer deposits and ordinary banking incom

 

OMNI-CHANNEL CONVENIENCE WITH SEAMLESS EXPERIENCE ACROSS ALL CHANNELS

• 92% of non-cash financial transactions occur via digital channels
• Offering solutions based on tendencies and location, Bonus Flaş: nearly 3 million downloads within the first year of its launch
• Leading position in internet & mobile banking
• First bank to provide applications in all major operating platforms
• 5,003 ATMs facilitating >200 transactions
• Leading financial call center with approximately  77.4 million customer contacts per year
• Offering personalized financial management services
• 1 out of every 4 transactions handled via digital channels in Turkey go through “Garanti BBVA”