Evaluation of Banks in Terms of Financial Performance and Solvency

Emrah Öget

Makale detayları

Evaluation of Banks in Terms of Financial Performance and Solvency

Yazarlar:

Emrah Öget

Yayıncı:

Sakarya University

Ana Başlıklar:

İşletme

Dergi:

Sakarya Üniversitesi İşletme Enstitüsü Dergisi Vol.6 Issue 2, pp.179-196

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334557

pISSN:

2717-767X

Anahtar kelimeler:

Özet:

 In this study, the financial performance and solvency of banks were analysed for the years 2021-2023 using TOPSIS and Bankometer models. As a result of the research, it was found that the performance of banks decreased in 2022. It was observed that this decline was caused by a decrease in banks financial assets and loans granted and an increase in short-term liabilities. In 2023, bank performance started to increase again. It is thought that the practice of exchange rate protected deposits and the transition to Turkish lira with the increase in the policy rate had a positive impact on bank performances. Moreover, it is understood that the most important ratio in terms of bank performance is liquid assetsshort-term liabilities. Furthermore, it was found that the solvency of all banks was high in the relevant periods. It is also noted that the solvency of all banks was high in the relevant periods. One of the important results of the study is that there is not a complete harmony between financial performance and solvency, but banks with high performance scores also have high solvency scores.

 In this study, the financial performance and solvency of banks were analysed for the years 2021-2023 using TOPSIS and Bankometer models. As a result of the research, it was found that the performance of banks decreased in 2022. It was observed that this decline was caused by a decrease in banks financial assets and loans granted and an increase in short-term liabilities. In 2023, bank performance started to increase again. It is thought that the practice of exchange rate protected deposits and the transition to Turkish lira with the increase in the policy rate had a positive impact on bank performances. Moreover, it is understood that the most important ratio in terms of bank performance is liquid assetsshort-term liabilities. Furthermore, it was found that the solvency of all banks was high in the relevant periods. It is also noted that the solvency of all banks was high in the relevant periods. One of the important results of the study is that there is not a complete harmony between financial performance and solvency, but banks with high performance scores also have high solvency scores.

 In this study, the financial performance and solvency of banks were analysed for the years 2021-2023 using TOPSIS and Bankometer models. As a result of the research, it was found that the performance of banks decreased in 2022. It was observed that this decline was caused by a decrease in banks financial assets and loans granted and an increase in short-term liabilities. In 2023, bank performance started to increase again. It is thought that the practice of exchange rate protected deposits and the transition to Turkish lira with the increase in the policy rate had a positive impact on bank performances. Moreover, it is understood that the most important ratio in terms of bank performance is liquid assetsshort-term liabilities. Furthermore, it was found that the solvency of all banks was high in the relevant periods. It is also noted that the solvency of all banks was high in the relevant periods. One of the important results of the study is that there is not a complete harmony between financial performance and solvency, but banks with high performance scores also have high solvency scores.

 Bu çalışma ile bankalarının finansal performansları ve ödeme güçleri 2021-2023 yılları için TOPSIS ve Bankometer modelleri ile analiz edilmiştir. Araştırma sonucunda banka performanslarının 2022 yılında düştüğü ortaya konulmuştur. Bu düşüşün bankaların finansal varlıkları ile kullandırılan kredilerde bir azalma ve kısa vadeli yükümlülüklerde bir artış nedeniyle ortaya çıktığı görülmüştür. 2023 yılında ise banka performansları tekrar yükselişe geçmiştir. Kur korumalı mevduat uygulaması ve politika faizindeki artışla Türk Lirasına geçiş sürecinin banka performanslarına da olumlu olarak etki ettiği düşünülmektedir. Ek olarak banka performansları açısından en önemli rasyonun Likit AktiflerKısa Vadeli Yükümlülükler olduğu anlaşılmıştır. Ayrıca ilgili dönemlerde tüm bankaların borç ödeme güçlerinin yüksek olduğu tespit edilmiştir. Finansal performans ile ödeme gücü arasında tam bir uyumun olmadığı, ancak performans puanı yüksek olan bankaların ödeme güçlerinin de yüksek olduğu çalışmanın önemli sonuçlarındandır.

Makale detayları

Evaluation of Banks in Terms of Financial Performance and Solvency

Yazarlar:

Emrah Öget

Yayıncı:

Sakarya University

Ana Başlıklar:

İşletme

Dergi:

Sakarya Üniversitesi İşletme Enstitüsü Dergisi Vol.6 Issue 2, pp.179-196

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334557

pISSN:

2717-767X

TOPSIS

Bankometer

Financial Performance

SolvencyTOPSIS

Bankometer

Finansal Performans

Ödeme Gücü

Sayı

Makale detayları

Yazarlar: Emrah Öget

Yayıncı: Sakarya University

Ana Başlıklar: İşletme

Dergi: Sakarya Üniversitesi İşletme Enstitüsü Dergisi Vol.6 Issue 2, pp.179-196

Belge Tipi: Makale

Yayın Tarihi: 12/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001334557

pISSN: 2717-767X

Sayı

Yazarlar:

Emrah Öget

Yayıncı:

Sakarya University

Ana Başlıklar:

İşletme

Dergi:

Sakarya Üniversitesi İşletme Enstitüsü Dergisi Vol.6 Issue 2, pp.179-196

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001334557

pISSN:

2717-767X