“Can a mid-sized European bank backed by BBVA Group grow its retail and trade finance footprint across the EU while modernizing its core on cloud banking infrastructure?”
Founded in 1990 as the Amsterdam-based international arm of Turkey's Garanti Bank, GBI initially focused on trade finance and commodity finance for Turkish and global corporates. Over the past decade it broadened into retail banking in the Netherlands and Germany while deepening its European institutional relationships. Following BBVA's full acquisition of Garanti in 2021, the bank rebranded and accelerated technology modernization, selecting Temenos Banking Cloud for its retail operations. GBI now positions itself as a mid-sized European bank bridging BBVA Group's global reach with niche expertise in trade/commodity finance, cash management, and retail deposit products.
Garanti Bbva International discloses Temenos (in-house core banking) as its banking provider, according to the Embedded Finance Index 2026.
Garanti Bbva International does not disclose a bank charter of its own; its banking services are provided through Temenos (in-house core banking).
The Embedded Finance Index 2026 maps 2 layers in Garanti Bbva International's stack: Banking / BaaS (Temenos (in-house core banking)); Lending (Corporate Loan Syndications, Revolving credit facilities, Borrowing base facilities, Schuldschein loans and 7 others).
Garanti Bbva International is founded in 1990 and headquartered in Amsterdam, Netherlands.
Get a read on where your own stack stands against Garanti Bbva International and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.