Browsing by Subject "Turkish 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 technical inefficiency effects of Turkish banks after financial liberalization
    (Wiley-Blackwell Publishing Ltd., 2005) Demir, N.; Mahmud, S. F.; Babuscu, S.
    The banking sector in Turkey has grown significantly over the last two decades of financial liberalization. One of the aims of the financial liberalization was to improve efficiency through restructuring programs including the privatization of state banks and the encouragement of mergers. In this paper we identify key factors determining the technical efficiency differentials among Turkish commercial banks in the pre-and post-liberalization periods, using the technical inefficiency effects model. We found that loan quality, size, ownership of the banks, and profitability have a positive and significant impact on the technical efficiencies of banks. The results warrant implementation of effective regulatory measures to improve the quality of the earning assets of commercial banks. Furthermore, steps by the government to encourage acquisitions or mergers for private banks and the privatization of state-owned banks seem to be consistent in improving the overall efficiency of commercial banking in Turkey.