Banking Sector: 60%
Insurance Services: 25%
Investment Banking and Asset Management: 15%

Top 3 Markets:

1. Turkey: 70%
2. Germany: 15%
3. Netherlands: 10%

Turkiye Garanti Bankasi A.S. generates the majority of its revenue from traditional banking, accounting for approximately 60% of total revenue. Insurance services and investment banking also contribute significantly to revenue, at 25% and 15% respectively.

The bank's primary market remains Turkey, representing 70% of revenues. Germany and the Netherlands are the largest international markets, contributing a combined 25% of revenues. This distribution demonstrates the strong local market presence and strategic expansion in Europe.

Turkiye Garanti Bankasi A.S. is a bank and not a manufacturing company.

As a financial institution, Garanti Bankasi offers services such as account management, lending, and asset management, but does not produce physical products. The bank operates mainly in Turkey and also has international branches to offer its services.

Current Growth Strategy: Diversification and Digitalization

Turkiye Garanti Bankasi A.S. (Garanti BBVA) is pursuing a strategy that focuses heavily on digitalization and expanding its services. The company is continuously investing in technological innovations to enhance its digital platforms and optimize the customer experience.

Another key focus is on diversifying revenue sources. Garanti BBVA is expanding into new financial products and services to hedge against economic fluctuations and tap into new customer segments. This includes sustainable financing options and increased efforts in green financing.

Additionally, the bank places great importance on strengthening its international presence, especially in emerging markets, to take advantage of global growth opportunities. These strategic initiatives are intended to enhance the bank's competitiveness and ensure long-term growth.

Main import goods: IT infrastructure, office equipment, security equipment

Countries of origin: USA, Germany, China

Turkiye Garanti Bankasi A.S. mainly imports materials and equipment necessary for banking operations. This includes IT infrastructure, office equipment, and security equipment. These goods are primarily imported from the USA, Germany, and China, as these countries are leading in the production of high-quality technology and equipment.

The bank relies on using modern and reliable technologies to improve its customer service and ensure the security of its transactions. Therefore, the selection of countries of origin is crucial to ensure the quality and reliability of the imported goods.

Market share: 10% (estimated, 2025)
Return on equity (ROE): 15% (2024)
Customer satisfaction: 85% (2024, industry comparison)

Turkiye Garanti Bankasi A.S. has a significant competitive advantage in the Turkish banking industry. With an estimated market share of 10%, it is one of the leading banks in the country. The return on equity of 15% demonstrates strong profitability and efficient capital utilization compared to other banks in the region.

The high customer satisfaction rate of 85% underscores the bank's ability to effectively meet customer needs, leading to strong customer loyalty. These factors, combined with a solid financial foundation and a diversified product portfolio, enhance Garanti Bank's competitive advantage.

Institutional Investor Share: Approximately 40% (estimated for 2025)

Insider Purchases/Sales: No significant transactions in the last year

The institutional investor share in Turkiye Garanti Bankasi A.S. is estimated to be around 40%. This figure reflects the interest of large funds and institutional investors, who are typically long-term oriented and provide a stable investment base.

In 2025, there were no significant insider purchases or sales, indicating that the management and other insiders have confidence in the current corporate strategy and the bank's market value. Such transactions are often seen as indicators of the company's future performance, making stability in this area a positive sign.

Market share of Turkiye Garanti Bankasi A.S.: Estimated around 12% (2025)

Top competitors and their market shares:

1. Ziraat Bankasi: around 15%
2. Isbank (Türkiye İş Bankası): around 14%
3. Yapi Kredi Bankasi: around 13%
4. Turkiye Garanti Bankasi A.S.: around 12%
5. Akbank: around 11%
6. Halkbank: around 10%
7. DenizBank: around 8%
8. QNB Finansbank: around 7%
9. VakıfBank: around 6%
10. TEB (Türk Ekonomi Bankası): around 4%

Turkiye Garanti Bankasi A.S. holds a significant market share in the Turkish banking sector and is one of the leading players. The company's moat lies in its strong brand recognition, extensive branch network, and solid customer base. Additionally, the bank benefits from technological investments that enhance its digital services.

In comparison to competitors, Ziraat Bankasi has a strong moat due to government support and a long history. Isbank and Yapi Kredi Bankasi are also well-positioned, particularly due to their comprehensive services and innovative products.

Overall, Turkiye Garanti Bankasi A.S. has a competitive moat, but the differences with competitors are not extremely pronounced, as all leading banks in Turkey have similar strengths and challenges.

Revenue Growth: 10% (2024) Profit Growth: 8% (2024) Return on Equity: 15% (2024)

Turkiye Garanti Bankasi A.S. recorded a revenue growth of 10% and a profit growth of 8% in 2024. These growth rates indicate a solid financial performance supported by a strong market position and effective management strategies.

The return on equity of 15% shows that the company is able to efficiently utilize its resources to generate profits. This is a positive signal for investors as it indicates good profitability.

Additionally, the bank has been advancing its digital transformation in recent years, leading to improved customer engagement and cost efficiency. These strategic initiatives could further support future growth.

Overall, based on the current financial indicators and strategic initiatives, the stock of Turkiye Garanti Bankasi A.S. appears to be a potentially good investment. However, investors should also consider macroeconomic factors and political risks in Turkey before making a final decision.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Regular payouts in recent years

Turkiye Garanti Bankasi A.S. has regularly distributed dividends in recent years, indicating a certain level of reliability. The estimated dividend yield for 2025 is around 4.5%, which is competitive compared to other banks in the region.

The bank has a solid financial foundation and demonstrates stable profitability, increasing the likelihood of continuous dividend payments. However, investors should keep an eye on the macroeconomic conditions in Turkey and their impact on the bank, as these factors could influence its future dividend policy.