1. Türkiye Stocks

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    Financial Services

  3. •

    Banks - Regional
Turkiye Garanti Bankasi A.S.

Turkiye Garanti Bankasi A.S.

TKGZY
Turkiye Garanti Bankasi A.S.US flagOther OTC
0.56
USD
-NaN
- -
2.37BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.64
2.95
3.31
4.03
4.68
6.74
7.34
9.33
14.63
31.67
47.46
68.37
97.7
82.37
Basic EPS, GAAP
0.79
0.87
0.85
1.22
1.51
1.58
1.47
1.5
3.21
13.88
20.57
21.72
26.15
23.82
Free Cash Flow per Basic Share
-0.08
0.36
0.49
0.29
-1.36
3.21
3.29
-0.23
7.39
10.39
44.33
-36.97
-1.29
-9.91
Dividend per Share
0.14
0.1
0.14
0.14
0.3
0.46
- -
- -
0.15
0.31
2.09
3.18
4.52
4.52
Book Value per Share
1.79
1.87
1.85
2.22
2.51
2.58
2.47
2.55
4.34
15.14
21.57
22.73
27.17
13.62
Tangible Book Value per Share
5.45
6.29
7.37
8.44
9.82
11.06
12.75
14.71
18.89
36.16
57.87
77.87
104.48
88.7
Basic Weighted Avg Shares
4,201
4,202
4,198
4,200
4,200
4,200
4,200
4,200
4,200
4,200
4,200
4,200
4,200
4,200
Sales/Revenue/Turnover
11,106
12,376
13,907
16,910
19,646
28,319
30,812
39,193
61,462
133,007
199,324
287,168
410,337
345,945
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
241
259
287
341
394
467
868
902
943
1,242
2,246
3,707
6,320
2,412
Net Income, GAAP
3,314
3,647
3,581
5,105
6,332
6,642
6,165
6,305
13,467
58,285
86,375
91,243
109,816
100,028
Effective Tax Rate (%)
23.59
22.87
22.41
20.69
23.49
23.39
23.63
30.66
26.2
24
18.82
25.62
27.9
26.61
Profit Margin (%)
29.84
29.47
25.75
30.19
32.23
23.45
20.01
16.09
21.91
43.82
43.33
31.77
26.76
28.91
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
44,924
52,368
55,031
62,447
70,063
66,315
51,974
56,080
82,942
81,858
150,115
223,969
504,313
343,485
Total Equity
23,016
26,661
31,204
35,796
41,606
46,887
54,051
62,409
80,301
153,124
245,622
331,409
446,636
379,130
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
44.07
47.49
45.83
59.76
63.84
62.15
58.14
59.83
93.1
142.49
112.05
98.08
104.79
189.51

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,200
4,200
4,200
Market Capitalization
84,993
91,282
95,900

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
591,842
793,599
804,780
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
32.38%
49.89%
34.77%
Free Cash Flow
-424.68%
-640.75%
-96.52%
Net Income, GAAP
58.72%
104.12%
20.36%
Sales/Revenue/Turnover
42.8%
62.01%
42.89%
Total Cash Common Dividend
- -
18,482.07%
42.14%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
39,935
46,964
53,646
63,778
199,324
2024
65,306
65,504
68,922
87,437
287,168
2025
93,692
95,894
117,152
- -
410,337

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
3.66
4.34
5.63
- -
20.57
2024
5.31
5.21
5.27
- -
21.72
2025
5.98
6.63
- -
- -
26.15

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.09
2024
1.23
1.95
- -
- -
3.18
2025
1.85
2.66
- -
- -
4.52

Company Description

APIChatGPT
CEO
Mahmut Akten
Full Time Employees
19,521
Sector
Financial Services
Industry
Banks - Regional
Address
Levent Nispetiye Mah.Aytar Cad. Istanbul Türkiye 34340
IPO Date
May 9, 2013
Website
garantibbva.com.tr
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Business
Turkiye Garanti Bankasi A.S. (Garanti BBVA) operates as Turkey's second-largest private bank, providing universal banking services including corporate, retail, commercial, SME, private, and investment banking segments; deposit products such as current, savings, time deposit, e-savings, YUVAM, NET, ELMA, overdraft, and gold accounts; lending solutions encompassing SME general purpose, auto, mortgage, commercial, foreign currency spot, installment, and project loans along with foreign trade financing; investment options like funds, stocks, derivatives, and the Garanti BBVA e-trader platform; credit and debit cards including Bonusflas, POS, and e-commerce products; insurance and pension offerings; payment systems; leasing, fleet management, and factoring; cash management; mobile and internet banking; and ATM services. The bank, founded in 1946 and headquartered in Istanbul, Turkey, serves over 27.7 million customers through 797 domestic branches, eight foreign branches (seven in Cyprus and one in Malta), one international representative office, and 5,820 ATMs, with primary operations in Turkey and subsidiaries extending to pension, life insurance, brokerage, and asset management. As a subsidiary of Spain's Banco Bilbao Vizcaya Argentaria S.A. (BBVA), Garanti BBVA maintains a workforce of approximately 22,664 employees and focuses on omnichannel digital experiences powered by advanced technology. Recent developments include the 2024 launch of TAMİ, a subsidiary providing innovative payment and e-money solutions such as multi-bank POS systems and prepaid cards to enhance e-commerce and digital payments; a November 2025 financing agreement with Spain's ICO for up to $100 million to support Turkish companies with Spanish ties under the International Channel Facility; a mid-2025 €10 million sustainability-linked loan partnership with EFSE for SMEs in Romania; issuances of USD 2.45 billion in subordinated bonds over two years including a USD 500 million Tier-2 issuance; and renewal of a $435 million sustainability-linked syndicated loan in June 2024.