Overview Part of Spanish banking group Banco Bilbao Vizcaya Argentaria (BBVA), Garanti Bank is the second largest privately-owned bank in Turkey. With over 1,000 branches and 4,825 A TMs, it has 20,000 employees worldwide and assets of US$88.8 billion. Garanti is an integrated financial services group operating in every segment of the banking sector, including corporate, commercial, SME, payment systems, retail, private and invest- ment banking, together with its subsidiaries in pension and life insurance, leasing, factoring, brokerage and asset management, besides international subsidiaries in the Netherlands and Romania. Challenge The bank is experiencing a boom in the num- ber of customers turning to online and mobile services. In December 2016 over 2.2 million customers

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