Shareholding Structure

Shareholders	Share (%)	Nominal (TL)
T. Garanti Bankası A.Ş.	84,91	424.566.290
Achmea B.V.	15,00	75.000.000
Eureko Sigorta AŞ.	0,09	433.710
TOTAL	100	500.000.000

Founded in Ankara in 1946, Garanti BBVA is Turkey’s second-largest private bank as of December 31, 2025, with consolidated total assets of TL 4 trillion 548 billion (USD 106 billion) 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 December 31, 2025, we operate through an extensive distribution network of 787 domestic branches, and 7 international branches (6 in Cyprus, 1 in Malta), along with 1 representative office.
We serve our customers with 23,311 employees, including those at subsidiaries.
We meet the diverse financial needs of over 30 million customers
Through 6.558 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.

As of 31 December 2025, Garanti BBVA supports the economy with a total cash and non-cash loan portfolio of TL 3 trillion 490 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:

HIGHEST PROFITABILITY AND CAPITAL

Best-in-class ROAE among Tier-1 Private Banks, despite lowest leverage
Highest capital ratios
The most valuable bank in the BIST-100 with approximately USD 15 billion market capitalization.

LARGEST LENDER IN TL LOANS, CONSUMER LOANS AND CREDIT CARDS

We are the largest private bank in Turkish lira loans with a 22.1% market share.
A Strong TL customer deposit portfolio among private banks, also with a 21.1% market share.
With more than 26.5 million retail customers, we lead in consumerloans.
We are the second-largest private bank in TL commercial loans (including SMEs) with a 18.8% market share.
We have the largest credit card platform - #1 in credit card customers, acquiring and issuing volumes.

UNIQUE CUSTOMER EXPERIENCE WITH SUPERIOR DIGITAL EXPERIENCE

1 in every 2 banking customers in Turkey is a Garanti BBVA customer. With over 2.4 million new customer acquisitions in 2025, our total number of customers has exceeded 30 million.
With 17.9 million active mobile users, 1 in every 5 mobile banking transactions in Turkey is conducted through Garanti BBVA Mobile
Digital assistant UGİ reached 8.2m customers via mobile channels.
Customers’ Primary Financial Solutions Partner;

-NPS: #1 in Mobile Banking and Commercial Banking*;

-NPS: #2 in Retail Banking and SME Banking**

LEADING THE TRANSITION THROUGH SUSTAINABLE FINANCE

First company in Türkiye to declare a decarbonization target
Sustainable finance target of TRY 3.5 trillion for 2025–2029. As of year-end 2025, we reached TRY 1 trillion in our contribution to sustainable development.

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. Sustainability is integral to our approach, balancing economic growth with social development without compromising the ability of future generations to meet their needs.

*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.