Garanti BBVA strengthened its leading position in the Turkish banking sector by achieving consolidated net profit of TL 53.6 billion in the first half of 2025. According to consolidated financial statements dated June 30, 2025, the bank's asset size reached TL 3 trillion 821 billion. The total support provided to the economy through cash and non-cash loans amounted to 2 trillion 950 billion TL. This strong performance highlights both the bank's solid balance sheet management and its contribution to the real economy.

Strong Increase in Deposit Base

In the funding structure, customer deposits accounted for the largest share with 69.5%. In the first six months of 2025, customer deposits increased by 26.7%, reaching TL 2 trillion 655 billion. The capital adequacy ratio was 15.6%, the return on equity was 30.6% and the return on assets was 3.1%. These results reflected the stability in Garanti BBVA's profitability and capital preservation strategy.

Strong Profitability Despite Margin Pressure

In the second quarter of 2025, uncertainties in global trade and geopolitical risks created margin pressure across the sector. Garanti BBVA managed to maintain its return on equity at 30.7% thanks to the increase in collections, the contribution of subsidiaries and the growth in loans. Maintaining the lead in TL loans, the bank stood out in the sector by increasing its market share in housing, needs and SME loans. The year-on-year increase in TL term deposits was 37%, and the bank continued to be the largest private bank in TL deposit base.

International Trust in Foreign Financing

The sustainability-themed syndication loan realized in June was renewed at 100%. The $500 million capital-like bond issue, which was completed on July 1, was quadrupled in demand. These issues demonstrated both Garanti BBVA's strong position in international markets and investors' confidence in the bank. These steps, which contribute to the capital structure, will also reflect positively on profitability in the coming quarters.

A New Era in Digitalization

Garanti BBVA continues to offer Turkey's most advanced solutions in digital banking. 99% of transactions took place through non-branch channels and 86% of product sales took place through digital platforms. Serving more than 17 million active mobile customers, Garanti BBVA Mobil offers personalized financial solutions with its AI-powered assistant UGI. Contextual and real-time financial recommendations were shared with more than 5 million customers in more than 63 million chats in the last year. With the unit “My SME Banker is With Me” developed for SMEs and business customers, remote, personalized relationship banking service is offered for the first time in the industry.

Leadership in Sustainability

The bank realized its sustainable financing targets ahead of schedule. The target of TL 400 billion for the 2018-2025 period was reached, while a new commitment of TL 3.5 trillion for the 2018-2029 period was announced. In addition, Garanti BBVA, a signatory to the Equatorial Principles, strengthened environmental and social risk management in the financing of projects. This approach reinforced the bank's vision of responsible banking.

With strong financial results, digitalization-focused strategies and sustainable growth targets, Garanti BBVA increased its contribution to the Turkish economy in the first half of 2025 and maintained its position as Turkey's most valuable bank in the BIST-100 index. The bank aims to strengthen its performance in the coming period with a balanced growth focused on TL and a customer-oriented strategy.