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 recently announced its results for the first nine months of the year, reporting TL 84.47 billion in net income, TL 4.27 trillion in assets and TL 3.23 trillion in cash and non-cash loans. Customer deposits funded 69.1 percent of assets, with the deposit base reaching TL 2.91 trillion in the first nine months of 2025 – up 38.7 percent. The bank’s capital adequacy ratio stood at 16.3 percent,¹ return on average equity (ROAE) was 30.9 percent, and return on average assets (ROAA) was 3.1 percent.

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.

Garanti BBVA Pensions was honored with the silver award in the Digital Transformation category of the Smart-i Awards for its innovative approach to digitizing insurance sales on Garanti BBVA Mobile.

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.

Garanti BBVA has launched a new feature that helps users select the card that provides the most benefits for each transaction. Known as SMART (smart, mobile, advanced, relaxed, technology), the feature is a first in Turkey and is the latest example of Garanti BBVA’s focus on personalizing payment experiences for its customers.

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 has eliminated commissions and fees on crypto trading in TRY pairs. The move is part of its aim to offer investors a user-friendly crypto experience.

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 has entered a new era in asset management in Türkiye by migrating its crypto asset portfolios to its app, Garanti BBVA Mobile. Garanti BBVA Crypto users can now easily view their crypto assets, along with price information in real time, gains and losses, and watchlists directly from the ‘Investments’ menu in the bank’s mobile app.

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 unit reported net income of TL 53.6 billion for the first half of 2025, according to consolidated financial statements as of June 30. Total assets grew to TL 3.82 trillion, while the bank provided TL 2.95 trillion to the economy through cash and non-cash loans. Customer deposits remained the primary source of funding, accounting for 69.5 percent of total assets. The deposit base expanded 26.7 percent in the first six months to TL 2.66 trillion. The bank maintained a robust capital adequacy ratio of 15.6 percent.* Return on average equity (ROAE) stood at 30.7 percent, while return on average assets (ROAA) was 3.1 percent.

*Calculated without the forbearance introduced by BRSA

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 unveiled ‘My Banker,’ a new program aimed at delivering tailored financial services and lifestyle benefits to its affluent customer segment.

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.

Garanti BBVA Crypto is partnering with Wyden, a global provider of institutional digital asset trading infrastructure, to strengthen its crypto service offering for retail and institutional clients. As part of the collaboration, Garanti BBVA Crypto will support trading pairs between the Turkish Lira, US Dollar, and other cryptocurrencies, expanding local market access and providing a seamless, efficient trading experience for Turkish investors.

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

With the latest update to Garanti BBVA’s mobile app, customers can leave their cards at home. GarantiPay allows users to make payments in stores or online using the GarantiPay and NFC contactless payment options  on their smartphones.

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 Asset Management has succeeded in building an investment fund topping 600 billion TL in the year to date, thanks to a consistently strong performance and the trust and support of its investors.

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.

Garanti BBVA was once again selected for the world’s most prestigious occupational healthand safety award at the 2025 International Safety Awards, organized by the U.K.-based non-profit organization, the British Safety Council. Of the 350 Turkish organizations that applied for the award, Garanti BBVA was the only financial institution to receive the award for the sixth year in a row.

BBVA's Turkish unit updates the smart assistant on its mobile app, Ugi, using cutting-edge generative artificial intelligence (AI) based on large language models. Ugi now offers the bank’s customers a more natural experience with dynamic, and hyperpersonalized solutions.

‘Is our last chance?’ features eight documentaries that aim to draw attention to the urgent environmental and social impacts of climate change. From rising sea levels and increasing droughts to ecological devastation, the documentaries emphasize the pivotal role water plays in ecosystems, economies, and communities, and call for sustainable management of this vital resource. The screenings will take place at Salt Beyoğlu's Open Cinema from March 19 to April 19, 2025.

The Carbon Disclosure Project (CDP) recently recognized Garanti BBVA’s efforts in sustainable development by including the bank in its global ‘A’ List of its Climate Change and Water Security Programs.

At a meeting with Turkish media, CEO Mahmut Akten shared Garanti BBVA’s strategies and 2025 goals, while assessing the state of the global and Türkiye’s economies and the banking sector. Akten acknowledged ongoing global economic uncertainty but expressed optimism, citing Türkiye’s macroeconomic program and a balancing trend in the banking sector.  The event, held at the Pendik Technology Campus, also included a visit to Garanti BBVA’s TIER IV-certified Data Center.