BBVA in 2012

company’s payment channels internationally. Currently it has a market share of around 30% ofall credit cards issued worldwide. The alliance will allow Garanti and BBVA to participate activelyin part of the administration and creation of the rules and standards needed to expand thisbusiness.• Garanti has renewed its alliance with Turkish Airlines to issue the airline’s official credit cardlinked to its customer loyalty program for another five years.• In 2012, Garanti has marketed or renewed its various mobile applications for iPhone, iPad,Blackberry and Android and incorporated new functions. It has also developed an applicationfor all of the above devices called e-trader, which allows customers to monitor their portfoliosand movements in the markets in real time. The result of these innovations has been a 141%increase, from the start of 2012 to September, in the number of users of Garanti mobile banking.In addition, from the beginning of the year until the third quarter, market shares in the mobilesegment have risen significantly, both in terms of number of customers (from 32.0% to 36.5%)and in financial transactions (from 41.5% to 45.0%).• Another field in which the Turkish bank has carried out major developments is in the servicesrendered through the social media, in line with the strategy for attracting business from theyoungest segment of the population. Customers can apply for loans by simply providingsome personal and contact details through Garanti’s Facebook page or using the Garanti Krediapplication.158 Business areas