I am another "10 to 9" type - it is empty if you arrive as they open and so much less frantic.
Mind you, anyone that uses Garanti Bank wants their heads read, they must go on training courses to learn how to create massive queues and long waits.
Funnily enough, on the last two mondays I have had to go to the bank during the day, and both times it has been like a ghost bank, should such a thing exist.
Scunner