INTRODUCTION

• - About the Report
• - Foreword
• - Message from Mervyn King, Chair Emeritus of IIRC

LETTER FROM THE CHAIRMAN

LETTER FROM THE CEO

ABOUT GARANTI BBVA

• - The Environment We Operate In
• - Corporate Profile
• - Garanti BBVA’s Shareholding Structure
• - Garanti BBVA’s Position in the Business Areas
• - Garanti BBVA’s Position in the Sector
• - Garanti BBVA in Numbers
• - Garanti BBVA Share
• - Our Governance
• - Organizational Structure

GARANTI BBVA’S POSITION IN THE BUSINESS AREAS

GARANTI BBVA IN NUMBERS

BOARD OF DIRECTORS AND SENIOR MANAGEMENT

• - Board of Directors
• - Senior Management
• - Committees and Policies

RISK MANAGEMENT REVIEW

OUR MATERIAL MATTERS AND STAKEHOLDER ENGAGEMENT

• - Our Material Matters
• - Stakeholder Engagement

RISKS AND OPPORTUNITIES

• - How mega trends shape the risks, opportunities and how they impact Garanti BBVA and its stakeholders

OUR STRATEGY & OUR BUSINESS MODEL

• - Our Values & Our Purpose
• - Our Business Model
• - Our Competitive Advantages
• - Our Strategic Priorities

VALUE CREATION

2019 PERFORMANCE REVIEW

• - Summary of the Board of Director’s Annual Report
• - 2019 Key Performance Indicators

FINANCIAL PERFORMANCE

• - 2019 Performance and Outlook

CUSTOMER EXPERIENCE

• - 2019 Performance and Outlook

DIGITAL TRANSFORMATION

• - 2019 Performance and Outlook

INVESTING IN HUMAN CAPITAL

• - 2019 Performance and Outlook

RESPONSIBLE AND SUSTAINABLE DEVELOPMENT

• - 2019 Performance and Outlook

CORPORATE GOVERNANCE AND RISK MANAGEMENT

CORPORATE GOVERNANCE PRINCIPLES COMPLIANCE REPORT

FINANCIAL REPORTS

• - Independent Assurance
• - Statement of Responsibility
• - Unconsolidated Financial Report
• - Consolidated Financial Report

APPENDIX

• - Appendix A (GRI Standards Index)
• - Appendix B
• - Contact Information