A Comparative Analysis of Financial Performance of Deposit Banks Through CAMELS Approach

Semin Topaloğlu Paksoy; Burak Çamurdan; İsmail Çeviş

Makale detayları

A Comparative Analysis of Financial Performance of Deposit Banks Through CAMELS Approach

Yazarlar:

Semin Topaloğlu Paksoy | Burak Çamurdan | İsmail Çeviş

Yayıncı:

Mus Alparslan University

Ana Başlıklar:

Uluslararası Ticaret Finansmanı

Dergi:

Anemon Muş Alparslan Üniversitesi Sosyal Bilimler Dergisi Vol.12 Issue 3, pp.1039-1053

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001332998

pISSN:

2149-4622

Anahtar kelimeler:

Özet:

 The banking sector is one of the most important backbones of economy and it leads to the growth and development of the country. Especially with the effect of globalization and technological developments in the economy in recent years, the banking sector may be exposed to serious risks or crises. Therefore, the banking sector has many activities that require to be constantly monitored and examined. In order to monitor and inspect the banks activities to obtain the problems that cause risks before they come or to minimize their negative effects, various numerical and statistical methods can be used. CAMELS rating system is one of these methods. This system was developed by supervisory authorities in the USA and has been accepted as a reliable system by many countries. This study aims to compare the performances of public and private banks operating in Turkey. In addition to the global financial crisis, the political and social problems experienced in the countries around us and the performance of banks as a result of the effects of new products and strategies they have implemented will be compared. It is aimed to evaluate the capital adequacy, liquidity, profitability and sensitivity of banks to market risk in the 2010-2020 operating periods that include these facts. For this reason, the comparative financial performance of public and private banks in Turkey is examined with the CAMELS approach. The results obtained show the superiority of some private banks over state banks in general.

 The banking sector is one of the most important backbones of economy and it leads to the growth and development of the country. Especially with the effect of globalization and technological developments in the economy in recent years, the banking sector may be exposed to serious risks or crises. Therefore, the banking sector has many activities that require to be constantly monitored and examined. In order to monitor and inspect the banks activities to obtain the problems that cause risks before they come or to minimize their negative effects, various numerical and statistical methods can be used. CAMELS rating system is one of these methods. This system was developed by supervisory authorities in the USA and has been accepted as a reliable system by many countries. This study aims to compare the performances of public and private banks operating in Turkey. In addition to the global financial crisis, the political and social problems experienced in the countries around us and the performance of banks as a result of the effects of new products and strategies they have implemented will be compared. It is aimed to evaluate the capital adequacy, liquidity, profitability and sensitivity of banks to market risk in the 2010-2020 operating periods that include these facts. For this reason, the comparative financial performance of public and private banks in Turkey is examined with the CAMELS approach. The results obtained show the superiority of some private banks over state banks in general.

 The banking sector is one of the most important backbones of economy and it leads to the growth and development of the country. Especially with the effect of globalization and technological developments in the economy in recent years, the banking sector may be exposed to serious risks or crises. Therefore, the banking sector has many activities that require to be constantly monitored and examined. In order to monitor and inspect the banks activities to obtain the problems that cause risks before they come or to minimize their negative effects, various numerical and statistical methods can be used. CAMELS rating system is one of these methods. This system was developed by supervisory authorities in the USA and has been accepted as a reliable system by many countries. This study aims to compare the performances of public and private banks operating in Turkey. In addition to the global financial crisis, the political and social problems experienced in the countries around us and the performance of banks as a result of the effects of new products and strategies they have implemented will be compared. It is aimed to evaluate the capital adequacy, liquidity, profitability and sensitivity of banks to market risk in the 2010-2020 operating periods that include these facts. For this reason, the comparative financial performance of public and private banks in Turkey is examined with the CAMELS approach. The results obtained show the superiority of some private banks over state banks in general.

 Bankacılık sektörü, ekonominin en önemli unsurlarından biridir ve ülkenin büyümesine ve gelişmesine öncülük eder. Özellikle son yıllarda ekonomide yaşanan küreselleşme ve teknolojik gelişmelerin etkisiyle bankacılık sektörü ciddi risklere veya krizlere maruz kalabilmektedir. Bu nedenle bankacılık sektörü, sürekli izlenmesi ve incelenmesi gereken bir faaliyet alanıdır. Riskleri henüz ortaya çıkmadan önlemek veya olumsuz etkilerini en aza indirmek amacıyla bankaları izlemek ve denetlemek için çeşitli yöntemler uygulanmaktadır. CAMELS derecelendirme sistemi de bu yöntemlerden biridir. Bu sistem ABDdeki denetim otoriteleri tarafından geliştirilmiş ve birçok ülke tarafından güvenilir bir sistem olarak kabul edilmiştir. Bu çalışmada Türkiyede faaliyet gösteren kamu ve özel banka performanslarının karşılaştırılması amaçlanmaktadır. Küresel finansal krizin yanı sıra yakın çevremizdeki ülkelerde yaşanan siyasal ve sosyal sorunlar ile bankaların uygulamaya koydukları yeni ürün ve stratejilerin etkileri neticesinde sergiledikleri performans karşılaştırılacaktır. Bankaların bu olguları barındıran 2010-2020 faaliyet dönemlerinde sermaye yeterliliği, likidite, karlılık ve piyasa riskine karşı duyarlılıklarının değerlendirilmesi amaçlanmıştır. Performans analizi CAMELS yöntemi ile yapılmakta olup elde edilen sonuçlar, özellikle bazı özel bankaların devlet bankalarına göre üstünlüğünü sergilemektedir.

Makale detayları

A Comparative Analysis of Financial Performance of Deposit Banks Through CAMELS Approach

Yazarlar:

Semin Topaloğlu Paksoy | Burak Çamurdan | İsmail Çeviş

Yayıncı:

Mus Alparslan University

Ana Başlıklar:

Uluslararası Ticaret Finansmanı

Dergi:

Anemon Muş Alparslan Üniversitesi Sosyal Bilimler Dergisi Vol.12 Issue 3, pp.1039-1053

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001332998

pISSN:

2149-4622

Financial Statement Analysis

Gray Relational Analysis

Financial Performance Analysis

Cash Flow Ratios

BIST Sustainability IndexMali Tablo Analizi

Gri İlişkisel Analiz

Finansal Performans Analizi

Nakit Akış Oranları

BİST Sürdürülebilirlik Endeksi

Sayı

Makale detayları

Yazarlar: Semin Topaloğlu Paksoy | Burak Çamurdan | İsmail Çeviş

Yayıncı: Mus Alparslan University

Ana Başlıklar: Uluslararası Ticaret Finansmanı

Dergi: Anemon Muş Alparslan Üniversitesi Sosyal Bilimler Dergisi Vol.12 Issue 3, pp.1039-1053

Belge Tipi: Makale

Yayın Tarihi: 12/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001332998

pISSN: 2149-4622

Sayı

Yazarlar:

Semin Topaloğlu Paksoy | Burak Çamurdan | İsmail Çeviş

Yayıncı:

Mus Alparslan University

Ana Başlıklar:

Uluslararası Ticaret Finansmanı

Dergi:

Anemon Muş Alparslan Üniversitesi Sosyal Bilimler Dergisi Vol.12 Issue 3, pp.1039-1053

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001332998

pISSN:

2149-4622