Türk bankacılık sektörünün finansal rasyo analizi ile 2008 global finans krizi öncesi ve sonrası kârlılık oranlarının karşılaştırmalı analizi
Abstract
Türk bankacılık sektörü, finansal liberalleşme hareketleri sonrasında belirli aralıklarla krizlere maruz kalmıştır. 2001 krizi genel anlamda, zayıf bankacılık sisteminden ve sıcak paraya aşırı güvenmekten kaynaklanmıştır. Dolayısıyla Türkiye ekonomisi, son dönemlerin en büyük daralmasını yaşamıştır. Bu dönemde bankalar olumsuz etkilenmiş ve çok sayıda banka iflas etmiştir. 2008 krizinden sonra ülkelerin merkez bankaları, farklı para politikaları uygulamışlardır. Başlangıçta kriz, global finansal kriz olarak hissedilmiştir. Daha sonra da Avrupa'da devlet borç krizi şeklinde ortaya çıkmış ve finans kesimini etkilemiştir. Bu çalışmada Türk bankacılık sektörünün 2008 finansal krizi öncesi ve sonrasındaki kârlılık oranları değerlendirilmiştir. Araştırmada finansal rasyo analizi ile karşılaştırmalı bir analiz gerçekleştirilmiştir.
The Turkish banking sector has been exposed to crises periodically after the financial liberalization movements. The 2001 crisis in general meaning, was due to the weak banking system and excessive confidence for the hot money. Therefore, the Turkish economy has been suffering the significant constriction in recent time. During this period, banks were negatively affected, and many banks went bankrupt. After the 2008 crisis developed and developing central banks began to implement traditional and non-traditional monetary policies. The crisis, initially felt like a global financial crisis, has become a state debt crisis in Europe. Later on, it affected the European financial sector. In this thesis, the profitability ratios of the Turkish banking sector before and after the 2008 financial crisis were evaluated. The financial ration analysis was used for the comparative analysis.
The Turkish banking sector has been exposed to crises periodically after the financial liberalization movements. The 2001 crisis in general meaning, was due to the weak banking system and excessive confidence for the hot money. Therefore, the Turkish economy has been suffering the significant constriction in recent time. During this period, banks were negatively affected, and many banks went bankrupt. After the 2008 crisis developed and developing central banks began to implement traditional and non-traditional monetary policies. The crisis, initially felt like a global financial crisis, has become a state debt crisis in Europe. Later on, it affected the European financial sector. In this thesis, the profitability ratios of the Turkish banking sector before and after the 2008 financial crisis were evaluated. The financial ration analysis was used for the comparative analysis.
Description
Keywords
Bankacılık, İşletme, Avrupa Birliği, Bankacılık sektörü, Bütünleşme, Banking, Business Administration, Finansal kriz, European Union, Karlılık, Banking sector, Integration, Kriz, Financial crisis, Profitability, Liberalleşme, Crisis, Rasyolar, Liberalization, Ratios, Türk bankacılık sektörü, Turkish banking sector