Garanti\u202fBBVA\u2019s CEO Mahmut\u202fAkten noted that the gradual normalization process, shaped by disinflation targets in both global and domestic monetary policy, required a disciplined and strategic response from the banking sector throughout the year. He emphasized that policymakers\u2019 resolute stance led to notable progress in inflation, with monetary policy implemented within a controlled framework.<\/p>\n
The banking sector felt the effects of this economic rebalancing. Deposit costs remained above the policy rate due to regulations around Turkish lira deposits, and therefore became a key factor in balance sheet management. Loan growth was contained within the limits set by regulations.<\/p>\n
Garanti BBVA once again demonstrated its strong management capabilities and balance sheet strength, sustaining its robust performance throughout the year. The CEO pointed to the bank\u2019s figures from the year, with total assets reaching TL 4.5 trillion and a TL loan portfolio of TL 1.7 trillion.<\/p>\n
The bank strengthened its long-standing leadership in TL lending, gaining market share and preserving a balanced composition of retail and corporate loans. Garanti BBVA\u2019s clear leadership in retail lending was reinforced by market share gains across all product categories.\u00a0 The bank also maintained its position as the leading private bank in total cash and non-cash corporate loans.<\/p>\n
Payment systems continued to distinguish the bank from its competitors and remained a key source of long-term value creation.\u00a0 On the funding side, a customer-based and well-diversified funding structure supported sustainable balance sheet management. Total customer deposits exceeded TL 3 trillion, while funding sources were further diversified.<\/p>\n
With two new transactions successfully completed in 2025, the total volume of subordinated bond issuances over the past two years reached $2.45 billion, the highest among private banks in recent years. These transactions further strengthened the bank\u2019s capital structure and provided a solid financial foundation to support its long-term growth strategy.<\/p>\n
Turning to the bank\u2019s customer-oriented strategy and focus on digitization, Akten noted that the bank continued to redesign and deliver all processes and products from the customers\u2019 point of view, as part of the bank\u2019s radical client perspective (RCP). As a result of these efforts, T\u00fcrkiye was recognized as a benchmark country within the BBVA Group. Akten pointed to this as clear evidence that the consistent execution on the ground and a human-centered approach are creating value on a global level.<\/p>\n
He added that artificial intelligence (AI) plays a critical role in this transformation. By embedding generative AI into bank services, it is reshaping an intuitive and empathetic banking experience.<\/p>\n
In 2025, the next-generation digital assistant UG\u0130\u2014redesigned with generative AI to deliver a new banking experience\u2014conducted over 73 million conversations over the past year, providing support to more than eight million customers. As a result of this holistic approach to digital banking, Garanti BBVA was recognized as the \u2018Best Retail Digital Bank in T\u00fcrkiye\u2019 and the \u2018Best Mobile Banking App.\u2019<\/p>\n