Browsing by Subject "Commercial banks"

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    The impact of the disinflation program on the structure of the Turkish banking sector
    (Taylor & Francis, Ltd, 2001) Alper, C. E.; Berument, Hakan; Malatyalı, N. K.
    This paper uses an unbalanced panel of observations on Turkish commercial banks during 1988-1999, attempts to define the structure of the banking sector through descriptive statistics and panel regressions and forecasts the changes that will take place in the banking system based on these. We follow the methodology of Demirgüç and Huizinga (1999) closely, but instead of a cross-country analysis, we focus on issues pertaining to Turkey undergoing the ambitious three-year stabilization program. The descriptive analysis of the commercial banks operating in Turkey during 1988-1999 points out to the following facts: the chronic inflation of the past 15 years and the resulting high real interest rate have displaced income.
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    The relative profitability of Turkish commercial banks: a statistical approach
    (1992) Bartu, N. Cem
    Conceptually, every banking decision should be considered for its impact on the maximization of shareholder wealth. However, in a world of uncertainity, regulation, and limited action-reaction time and limited resources, it is not possible to follow the conceptually correct approach for the multitude of decisions bankers face. One practical approach to the complex, interactive nature of bank decisions is to disaggregate this system of interrelations into key operational variables. This study analyzes the differential effects of the selected key variables - management, size, stewardship, time - on commercial bank profitability in Turkey and the operating relationships through which these effects are transmitted and relative profitability determined. Overall, the study shows that all variables tested are significant. Each variable significantly affects relative profitability and the majority of operating relationships that determine profitability. Also notable, is the extreme influence of these effects on particular relationships.