2018 KEY PERFORMANCE INDICATORS

Focused on creating sustainable value for all its stakeholders, Garanti places its customers at the core of its operations with aim of providing unrivaled customer experience. Garanti’s customer-focused innovative business model enables Garanti to generate sustainable income and command a leading position in Turkish banking sector.

Garanti employees are one of its most important assets and one of the main pillars of its strategy. Garanti aims to provide a fair working environment that encourages full utilization of employees’ skills, offering a wide range of opportunities and ensuring recognition and awarding of their accomplishments.

By constantly investing in digital platforms to provide unrivaled customer experience, transaction convenience, and pioneering solution suggestions, Garanti increases the share of digital channels in total sales.

Moreover, Garanti creates shared value and drives positive change through lending based on impact investment, as well as strategic partnerships and community programs focusing on material issues for both Garanti and its stakeholders.

With its solid capital structure and focus on efficiency, Garanti preserves its sound financial structure through effective balance sheet management and sustains its contribution to the economy.

CUSTOMER EXPERIENCE

NET PROMOTER SCORE

HIGHEST

among peer group

GROW CUSTOMER
BASE EFFECTIVELY

>16 millon

customers chose Garanti

 

DISABLED FRIENDLY ATMS

5,210

(99% of all ATMs)

 

HUMAN CAPITAL

EMPLOYEE ENGAGEMENT SCORE

67

Maintained its highest employee engagement level in banking sector

AVERAGE HOURS OF
TRAINING PER EMPLOYEE

47 hour

 

HIGH PERFORMER
TURNOVER

2.74%

WOMEN EMPLOYEES
IN DECISION MAKING POSITIONS

40%

 

DIGITAL TRANSFORMATION

 
 

1/5

of all digital transactions
in Turkey go through Garanti

DIGITAL SALES
Increased share of digital sales
to total sales: from 33% to

44%

 

 

NON-CASH FINANCIAL
TRANSACTIONS THROUGH
DIGITAL CHANNELS

95.5%

 

RESPONSIBLE AND SUSTAINABLE DEVELOPMENT

AMOUNT OF IMPACT INVESTMENTS

TL 35.2 billon

(to date)

SUSTAINABILITY INDICES
IN WHICH GARANTI
IS INCLUDED

7

 

INVESTMENT IN COMMUNITY
PROGRAMS

TL 20.2 million

% OF LOANS WITH
ESG PROVISIONS IN
LOAN AGREEMENTS

100%

 

FINANCIAL PERFORMANCE

RETURN ON AVERAGE
ASSETS

1.7%

RETURN ON AVERAGE
EQUITY

15%

 

NON-PERFORMING LOANS
RATIO

5.2%

CAPITAL ADEQUACY
RATIO

16.5%

 

COMMON EQUITY TIER 1
RATIO

14.2%

COST / INCOME
 

35.6%

 

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