Development of The Turkish Banking Sector In 2008-2018 Period Under BRSA's Observation, Revenue-Expense And Profitability Analysis
The shrinking world and growing economies have shown the necessity of strengthening the banking sector, which is expected to adapt effectively to the developing money and capital markets. In order to solve the problems faced due to variable factors in economies where the market mechanism is in force in a short time and with low costs, it is necessary to ensure the preferability of banking services. In this context, it is very important that the Turkish banking sector has reliable and strong financial structures. When the shares of bank groups in Turkish banking sector are analyzed, it is seen that deposit banks have the highest share in the sector (tcmb.gov.tr), so the data of Turkish deposit banks, public, private, domestic and foreign, were used in the study. Data, tables and graphs related to the Turkish banking system are obtained from TBB (tbb.org.tr) and Turkish Banking Sector Basic Financial Data prepared by BRSA and statistical information on selected financial statements of banks (bddk.org.tr). Following the 2008 global financial crisis, in Turkey, as well as in many other countries, approaches such as capital adequacy, liquidity, monitoring and supervision were adopted as a result of the implementation of effective policies for the supervision of financial intermediaries, to ensure the restructuring of the banking sector, and measures to increase the function of banks and strengthen their financial structure were taken. The precautions taken and regulations made by regulatory authorities such as BRSA prevented banks from taking excessive risks. As a result, the banking sector contributed to financial stability by keeping profitability and equity growth at appropriate levels. It has been determined that the Turkish banking sector has a strong balance sheet structure that can meet the potential risks, make payment systems work effectively and resist sudden shocks and provide funds for growth.
Keywords: BRSA, Banking Sector, Selected balance sheet items, Return on Assets and Equity, Income-Expense Structure, Net Interest Margin
Development of The Turkish Banking Sector In 2008-2018 Period Under BRSA's Observation, Revenue-Expense And Profitability Analysis
The shrinking world and growing economies have shown the necessity of strengthening the banking sector, which is expected to adapt effectively to the developing money and capital markets. In order to solve the problems faced due to variable factors in economies where the market mechanism is in force in a short time and with low costs, it is necessary to ensure the preferability of banking services. In this context, it is very important that the Turkish banking sector has reliable and strong financial structures. When the shares of bank groups in Turkish banking sector are analyzed, it is seen that deposit banks have the highest share in the sector (tcmb.gov.tr), so the data of Turkish deposit banks, public, private, domestic and foreign, were used in the study. Data, tables and graphs related to the Turkish banking system are obtained from TBB (tbb.org.tr) and Turkish Banking Sector Basic Financial Data prepared by BRSA and statistical information on selected financial statements of banks (bddk.org.tr). Following the 2008 global financial crisis, in Turkey, as well as in many other countries, approaches such as capital adequacy, liquidity, monitoring and supervision were adopted as a result of the implementation of effective policies for the supervision of financial intermediaries, to ensure the restructuring of the banking sector, and measures to increase the function of banks and strengthen their financial structure were taken. The precautions taken and regulations made by regulatory authorities such as BRSA prevented banks from taking excessive risks. As a result, the banking sector contributed to financial stability by keeping profitability and equity growth at appropriate levels. It has been determined that the Turkish banking sector has a strong balance sheet structure that can meet the potential risks, make payment systems work effectively and resist sudden shocks and provide funds for growth.
Anahtar Kelimeler: BRSA, Banking Sector, Selected balance sheet items, Return on Assets and Equity, Income-Expense Structure, Net Interest Margin