BBVA’s Turkish unit has introduced a new tool on its Garanti BBVA Mobile app to help customers manage their personal finances, improve their financial health and plan for the future. ‘My Credit Coach’ provides an overview of each customer’s financial situation based on their banking history and offers personalized recommendations.

BBVA’s Turkish unit has been named Türkiye’s Best Transaction Bank by Euromoney, one of the world’s most respected financial publications, in recognition of the bank’s performance in transaction banking and its ongoing investment in technology-driven solutions for corporate clients.

Garanti BBVA once again demonstrated its leadership at one of the most prestigious events in finance and technology, the Sardis Awards. The bank was honored in seven categories, winning four gold and three silver awards in categories related to creativity, innovation, entrepreneurship, technology, social impact and its customer-oriented approach.

Garanti BBVA is sharpening its focus on water efficiency, positioning itself at the forefront of Türkiye’s efforts to ensure sustainable industrial growth in water-intensive sectors. Backing a new study prepared in collaboration with the Türkiye Informatics Foundation’s Starting Point platform, the bank examines water usage and efficiency potential in the food, textile, and paper industries. These sectors together account for a major share of industrial water consumption in Türkiye.

Garanti BBVA was internationally honored for its design excellence, earning two distinctions from the iF Design Awards for its updated Garanti BBVA mobile app and the Pulse app, and another from the A Design Awards for its ‘My Home, My Car, My Travel’ project — showcasing its highly innovative approach to user experience and digital design.

Garanti BBVA made history in Türkiye by isuing the first biodiversity blue bond, a landmark transaction aimed at protecting marine ecosystems. The $20.22 million bond has a three year maturity and will be used to support the sustainable management of marine ecosystems in the Mediterranean basin.

Garanti BBVA, Be Node and the Turkish Informatics Foundation recently collaborated on research to explore how young people use financial technology. The findings from the study show their strong connection to digital tools, as well as their need for greater support in financial literacy.

BBVA’s Turkish unit has completed a new $700 million Basel III‑compliant Tier 2 issue, taking its subordinated bond sales over the past two years to $2.45 billion, the largest recent total among banks. Strong demand and competitive pricing underscored international investor confidence.

BBVA’s Turkish franchise has shifted a branch-only product to digital channels, enabling quicker access for clients funding sustainability-focused investments.

Garanti BBVA has launched ‘Garanti BBVA Genç,’ a new section on its mobile app where young people between the ages of 18 and 26 can access campaigns and promotions tailored to their needs and interests.

BBVA’s Turkish franchise has partnered with Ivy Decarb Marketplace to help textile manufacturers cut carbon emissions. The bank will finance companies through the platform as they shift to cleaner production methods.

Garanti BBVA is launching a new digital solution to provide security for forward-dated payments and boost trust in commercial transactions. The innovative new feature allows clients to manage future payments easily, backed by the bank’s guarantee.

Garanti BBVA Crypto is now offering trading and transfers in Tether (USDT), allowing users to do business with the popular dollar-pegged stablecoin via the Ethereum network and trade USDT pairs.

Garanti BBVA’s flagship environmental program, the Blue Breath Project, has helped identify Türkiye’s oldest seagrass meadow off the coast of Kızılada near Göcek. Led by Professor Ergün Taşkın, a team of scientists confirmed the meadow’s age at about 2,000 years, the first time such an ecosystem has been dated in the country. Researchers believe the discovery could reshape marine conservation.

Garanti BBVA Technology has won the ‘Best Financial Institution Innovation’ award at the Datos Impact Awards for its Mule Account Fraud Score Model, a solution designed to prevent fraud in banking transactions.

Garanti BBVA, in partnership with Eureko Sigorta, has just launched Cell Phone Screen Protection Insurance. Available through Garanti BBVA Mobile, the new insurance solution offers customers an easy way to protect one of their most essential everyday devices.

BBVA’s Turkish franchise has secured three accolades at the Euromoney Awards for Excellence 2025, consolidating its position as a leader in sustainable banking and workplace inclusion across Central and Eastern Europe. The bank was named Best Bank for Diversity and Inclusion and Best Sustainable Finance Bank in the CEE region, and also took home the Best Sustainable Finance Bank award for Türkiye.

BBVA’s Turkish franchise provides financing for Uludağ Elektrik Dağıtım A.Ş.’s electricity distribution investments across Bursa, Balıkesir, Çanakkale, and Yalova, contributing to regional energy resilience and sustainable development.

BBVA’s Turkish franchise has successfully completed the issuance of a $500 million Tier 2 bond in the international markets. This marks the bank’s first such transaction in 2025, following a $750 million Tier 2 issue in November 2024.

Garanti BBVA has been recognized as the “Best Cash Management Bank” in Türkiye by Global Finance magazine for the second year in a row. The publication, which has been evaluating financial institutions globally for 37 years, honored the bank for its continued excellence in the cash management field.

The Blue Breath project was launched in 2021 by Garanti BBVA in collaboration with DenizTemiz Derneği/TURMEPA to protect Turkish marine ecosystems. Over the past four years, Blue Breath has worked with a variety of stakeholders to carry out clean-up projects, training sessions, and other environmental protection initiatives.

Garanti BBVA has contributed over $440 million in support to the Turkish economy by renewing its existing syndicated loan.

BBVA’s Turkish franchise offers a wide range of digital solutions, catering to every financial need in the life cycle of the self-employed and SMEs and covering their entire ecosystem. It delivers services across all digital channels to streamline and accelerate business processes. The self-employed and SMEs are able to perform a variety of financial transactions, such as applying for credit, drawing on commercial loans, obtaining letters of guarantee, arranging checkbooks, and requesting POS terminals, all via Garanti BBVA’s mobile or internet channels without ever needing to visit a branch.

Garanti BBVA Crypto recently launched a variety of advanced new features on its mobile app. With nearly 100,000 users, the app is powered by the bank’s robust infrastructure and highest quality standards, ensuring a simple, fast and secure investment experience.

Garanti BBVA reported its earnings for the first quarter of 2025. The bank earned TL 25.40 billion in net income, with total assets reaching TL 3.50 trillion, and cash and non-cash loans totaling TL 2.60 trillion. Customer deposits continued to be the main source of funding, accounting for 73 percent of all assets. The deposit base rose by 21.4 percent to TL 2.55 billion. Furthermore, Garanti BBVA achieved a return on average equity (ROAE) of 30.5 percent, and a return on average assets (ROAA) of 3.2 percent. Meanwhile, the bank maintained its strong capital position, with a capital adequacy ratio of 16.2 percent.*

*Not including the forbearance introduced by BRSA

BBVA's Turkish unit recently updated the design of its digital banking app, Garanti BBVA Mobile, to offer its customers a more personalized, user-friendly experience and a range of new smart features.