TÜRK BANKACILIK SEKTÖRÜNDE TAKİPTEKİ KREDİLER: MUKAYESELİ KRİZ PERFORMANSI

Abstract

Tasarruf a{:zgz bulunan ki~ilerin 9e~itli ihtiya{:lanm kar~zlamak iizere kredi kurulu~larmdan belirli bir maliyetle geri odenmek iizere aldzklarz bir bar{: alan kredi vadesi 90 giinii ge9mesine ragmen kzsmen veya tamamen odenmeyerek takibe dii~ebilir. Takipteki kredilerin top/am kredilere oram, ekonomide bireylerin ve kurum/arm odeme kabi/iyetini gosterirken, bankalarda da aktif kalitesini ve risk diizeyini gosterir. Bu nedenle oran, ekonominin gene/ durumu a{:lSmdan oncii gosterge nite/igi ta~1rken, aym zamanda da her donemde ekonominin ve bankaczhk sektoriiniin performanszmn degerlendiri/mesinde en 90k dikkate a/man gosterge/erden biridir. Tiirkiye 'de takipteki kredi oram 2008 krizinde 2001 krizine gore szmrh seviyede artmz~, bir9ok AB ii/kesine kzyasla da daha dii~iik bir seviyede belirlenmi~tir. Bu olumlu geli~mede, 2001 krizinin ardmdan hayata ge{:irilen reform/arm etkisinin bulundugu dii~iiniilebilir. 

Keywords

• Takipteki Kredi
• Finansal Kriz
• Kredi Riski
• Sermaye Yeterliliği

TÜRK BANKACILIK SEKTÖRÜNDE TAKİPTEKİ KREDİLER: MUKAYESELİ KRİZ PERFORMANSI

Abstract

The credit which is a debt advanced to a borrower having a saving gap to meet various needs by the credit agencies in return for a certain cost to be paid back may require legal proceedings when being failed to pay partially or wholly after being overdue for 90 days. While the rate of the non-accruing loans to the rates of total loans shows the solvency of the individuals and enterprise in economy, it shows the asset quality and risk level in banks. Thus, the rate constitutes a leading indicator in terms of the general state of the economy, besides; it has been one of the indicators mostly considered to evaluate the performance of economy and banking sector at all periods as well. The rate of non-accruing loans in Turkey has increased in a limited level during the crises in 2008 compared to the crises in 2001, and set in lower level in contrast with many EU countries. It may be contemplated that the reforms put into practice after the crises in 2001 have effects on this positive improvement. 

Keywords

• Non-accruing Loans
• Financial Crisis
• Credit Risk
• Capital Adequacy

References

1. Allan Wu, Xiaojun (Eyliil 2002). An Examination of China's Nonperforming Loan Issue. USA: Massachusetts Institute of Technology Department of Architecture.
2. Altman, I. Edward (1968). Financial Ratios, Discriminant Analysis and The Prediction of Corporate Bankruptcy. The Journal Of Finance. Vol. 23, 589-609.