This study empirically analyzes the factors that
determine the non-performing loans (so-called bad loans) of 20 deposit banks in
Turkey for 2006-2012 period using panel data analysis method. The analysis
results reveal that solvency, profitability, credit quality, diversification,
economic growth and the recent financial crisis are essential indicators of
non-performing loans rate in Turkish banking sector. More specifically, greater
profitability and revenue diversification significantly lowers non-performing
loans rate, whereas greater capital and loan loss provisions significantly
increase non-performing loans rate. In terms of macroeconomic variables, only
economic growth has a negative effect on the non-performing loans (NPLs) ratio.
Moreover, our results also uncover that deposit banks’ NPLs ratio increases
during the latest global financial turmoil period.
Deposit banks non-performing loans panel data analysis credit risk Turkey
Bölüm | Articles |
---|---|
Yazarlar | |
Yayımlanma Tarihi | 30 Aralık 2016 |
Yayımlandığı Sayı | Yıl 2016 |
Journal of Business, Economics and Finance (JBEF) is a scientific, academic, double blind peer-reviewed, quarterly and open-access journal. The publication language is English. The journal publishes four issues a year. The issuing months are March, June, September and December. The journal aims to provide a research source for all practitioners, policy makers and researchers working in the areas of business, economics and finance. The Editor of JBEF invites all manuscripts that that cover theoretical and/or applied researches on topics related to the interest areas of the Journal. JBEF charges no submission or publication fee.
Ethics
Policy - JBEF applies the standards of
Committee on Publication Ethics (COPE). JBEF is committed to the academic
community ensuring ethics and quality of manuscripts in publications.
Plagiarism is strictly forbidden and the manuscripts found to be plagiarized
will not be accepted or if published will be removed from the publication. Authors
must certify that their manuscripts are their original work. Plagiarism,
duplicate, data fabrication and redundant publications are forbidden. The
manuscripts are subject to plagiarism check by iThenticate or similar. All manuscript submissions must provide a similarity report (up to 15% excluding quotes, bibliography, abstract, method).
Open Access - All research articles published in PressAcademia Journals are fully open access; immediately freely available to read, download and share. Articles are published under the terms of a Creative Commons license which permits use, distribution and reproduction in any medium, provided the original work is properly cited. Open access is a property of individual works, not necessarily journals or publishers. Community standards, rather than copyright law, will continue to provide the mechanism for enforcement of proper attribution and responsible use of the published work, as they do now.