Comparative Analysis of Financial Performance of Private and Foreign Capital Deposit Banks

Ayşegül Ertuğrul

Makale detayları

Comparative Analysis of Financial Performance of Private and Foreign Capital Deposit Banks

Yazarlar:

Ayşegül Ertuğrul

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Para-Bankacılık | Banka Yönetimi

Dergi:

Süleyman Demirel Üniversitesi Vizyoner Dergisi Vol.15 Issue 43, pp.799-812

Belge Tipi:

Makale

Yayın Tarihi:

8/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001326681

pISSN:

1308-9552

Anahtar kelimeler:

Özet:

 In the Turkish financial system; public, private and foreign capital deposit banks are classified according to their ownership structures. After the banking crises in the financial system, the share of foreign capital banks in the Turkish banking sector has increased significantly. Banks are the most important funding institutions for the real sector, and it is known that a crisis in the banking sector would seriously affect the real sector. The real sectors continued investments are important for the continuation of the countrys economic growth and development. In this respect, the financial performance of banks in the Turkish banking system is also important. In the study, the financial performances of the top five private and foreign capital banks, which have a significant place in terms of asset size, are compared. Asset quality, liquidity, profitability and capital adequacy ratios are used as benchmarks and annual data for 2012-2022 are used as the analysis period. When evaluated on the basis of the ratios used in the study, no significant difference is found between the two groups in terms of profitability, no significant difference is found in terms of Total LoansTotal Assets and Non-Performing LoansTotal Loans in terms of asset quality, while a significant difference is found in favor of private capital banks on the basis of Total LoansTotal Deposits ratio. While a significant difference is found in favor of foreign capital banks in terms of liquidity ratios, it is concluded that foreign capital deposit banks performed better in terms of EquityTotal Assets ratio among capital adequacy ratios.

 In the Turkish financial system; public, private and foreign capital deposit banks are classified according to their ownership structures. After the banking crises in the financial system, the share of foreign capital banks in the Turkish banking sector has increased significantly. Banks are the most important funding institutions for the real sector, and it is known that a crisis in the banking sector would seriously affect the real sector. The real sectors continued investments are important for the continuation of the countrys economic growth and development. In this respect, the financial performance of banks in the Turkish banking system is also important. In the study, the financial performances of the top five private and foreign capital banks, which have a significant place in terms of asset size, are compared. Asset quality, liquidity, profitability and capital adequacy ratios are used as benchmarks and annual data for 2012-2022 are used as the analysis period. When evaluated on the basis of the ratios used in the study, no significant difference is found between the two groups in terms of profitability, no significant difference is found in terms of Total LoansTotal Assets and Non-Performing LoansTotal Loans in terms of asset quality, while a significant difference is found in favor of private capital banks on the basis of Total LoansTotal Deposits ratio. While a significant difference is found in favor of foreign capital banks in terms of liquidity ratios, it is concluded that foreign capital deposit banks performed better in terms of EquityTotal Assets ratio among capital adequacy ratios.

 In the Turkish financial system; public, private and foreign capital deposit banks are classified according to their ownership structures. After the banking crises in the financial system, the share of foreign capital banks in the Turkish banking sector has increased significantly. Banks are the most important funding institutions for the real sector, and it is known that a crisis in the banking sector would seriously affect the real sector. The real sectors continued investments are important for the continuation of the countrys economic growth and development. In this respect, the financial performance of banks in the Turkish banking system is also important. In the study, the financial performances of the top five private and foreign capital banks, which have a significant place in terms of asset size, are compared. Asset quality, liquidity, profitability and capital adequacy ratios are used as benchmarks and annual data for 2012-2022 are used as the analysis period. When evaluated on the basis of the ratios used in the study, no significant difference is found between the two groups in terms of profitability, no significant difference is found in terms of Total LoansTotal Assets and Non-Performing LoansTotal Loans in terms of asset quality, while a significant difference is found in favor of private capital banks on the basis of Total LoansTotal Deposits ratio. While a significant difference is found in favor of foreign capital banks in terms of liquidity ratios, it is concluded that foreign capital deposit banks performed better in terms of EquityTotal Assets ratio among capital adequacy ratios.

 Türk finansal sistemi içerisinde bankalar sahiplik yapılarına göre kamu, özel ve yabancı sermayeli mevduat bankaları şeklinde sınıflandırılırlar. Yaşanan bankacılık krizleri sonrası Türk bankacılık sektörü içinde yabancı sermayeli bankaların payı önemli düzeyde artmıştır. Reel sektörün en önemli fon sağladığı kuruluşlar bankalardır ve bankacılık sektöründe yaşanacak olan bir krizin reel sektörü ciddi anlamda etkileyeceği de bilinmektedir. Reel sektörün yatırımlarına devam etmesi ülkenin ekonomik büyüme ve kalkınmasının devamı için önemli olmaktadır. Bu açılardan düşünüldüğünde Türk bankacılık sistemi içerisinde yer alan bankaların da finansal performansları önem arz etmektedir. Çalışmada aktif büyüklüğü açısından önemli bir yerde bulunan ilk beş özel ve yabancı sermayeli bankaların finansal performansları karşılaştırılmıştır. Karşılaştırma ölçütü olarak aktif kalitesi, likidite, karlılık ve sermaye yeterliliği oranları açısından değerlendirilmiş ve analiz dönemi olarak 2012-2022 yıllık verileri kullanılmıştır. Çalışmada kullanılan oranlar bazında değerlendirildiğinde karlılık açısından iki grup arasında anlamlı bir farklılık bulunmamışken, aktif kalitesi açısından Toplam KredilerToplam Varlıklar ve Donuk AlacaklarToplam Krediler açısından anlamlı bir farklılık yokken, Toplam KredilerToplam Mevduat oranı bazında özel sermayeli bankalar lehine anlamlı bir fark bulunmuştur. Likidite oranları açısından yabancı sermayeli bankalar lehine anlamlı bir farklılık bulunmuşken, sermaye yeterliliği oranlarından ÖzkaynaklarToplam Varlıklar açısından yabancı sermayeli mevduat bankalarının daha iyi performans gösterdiği sonucuna ulaşılmıştır.

Makale detayları

Comparative Analysis of Financial Performance of Private and Foreign Capital Deposit Banks

Yazarlar:

Ayşegül Ertuğrul

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Para-Bankacılık | Banka Yönetimi

Dergi:

Süleyman Demirel Üniversitesi Vizyoner Dergisi Vol.15 Issue 43, pp.799-812

Belge Tipi:

Makale

Yayın Tarihi:

8/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001326681

pISSN:

1308-9552

Deposit Banks

Financial Performance

T-testMevduat Bankaları

Finansal Performans

T testi

Sayı

Makale detayları

Comparative Analysis of Financial Performance of Private and Foreign Capital Deposit Banks

Yazarlar: Ayşegül Ertuğrul

Yayıncı: Süleyman Demirel University

Ana Başlıklar: Para-Bankacılık | Banka Yönetimi

Dergi: Süleyman Demirel Üniversitesi Vizyoner Dergisi Vol.15 Issue 43, pp.799-812

Belge Tipi: Makale

Yayın Tarihi: 8/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001326681

pISSN: 1308-9552

Deposit Banks

Financial Performance

T-testMevduat Bankaları

Finansal Performans

T testi

Sayı

Yazarlar:

Ayşegül Ertuğrul

Yayıncı:

Süleyman Demirel University

Ana Başlıklar:

Para-Bankacılık | Banka Yönetimi

Dergi:

Süleyman Demirel Üniversitesi Vizyoner Dergisi Vol.15 Issue 43, pp.799-812

Belge Tipi:

Makale

Yayın Tarihi:

8/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001326681

pISSN:

1308-9552