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A Situation Of Turkish State-Owned Banks In Sectors: A Comparative Performance, Asset Quality And Capital Adequacy Analysis

Author

Listed:
  • Mustafa Tugrul BAHAR

    (Ankara Yildirim Beyazit University, Türkiye)

  • Ayhan KAPUSUZOGLU

    (Ankara Yildirim Beyazit University, Türkiye)

  • Nildag Basak CEYLAN

    (Ankara Yildirim Beyazit University, Türkiye)

Abstract

This study aims to comprehensively assess the financial performance, asset quality, profitability and capital adequacy of state-owned deposit banks, state-owned participation banks and public development banks that are operating in Türkiye through a comprehensive ratio analysis. The fundamental data for this study is obtained from the independent audit reports of these banks and complementary sector -wide information published by the Banking Regulation and Supervision Agency. The analysis is done both at the bank level and through cross-sector comparisons. The ratio analysis is used during the comparison. The focus is on summarizing one -year developments between Q2 of 2024 and Q2 of 2025 across a broad range of key financial indicators, including key measures of asset quality, liquidity, profitability, capital adequacy and balance sheet structure. There is also a presentation of 5-year trend analysis for five key financial items encompassing assets, loans, deposits, equity and profitability.

Suggested Citation

  • Mustafa Tugrul BAHAR & Ayhan KAPUSUZOGLU & Nildag Basak CEYLAN, 2025. "A Situation Of Turkish State-Owned Banks In Sectors: A Comparative Performance, Asset Quality And Capital Adequacy Analysis," Scientific Bulletin - Economic Sciences, University of Pitesti, vol. 24(3), pages 5-18.
    • Handle: RePEc:pts:journl:y:2025:i::p1:5-18
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    References listed on IDEAS

    as
    1. Grundke, Peter & Kühn, André, 2020. "The impact of the Basel III liquidity ratios on banks: Evidence from a simulation study," The Quarterly Review of Economics and Finance, Elsevier, vol. 75(C), pages 167-190.
    2. Wesen Legessa Tekatel & Beyene Yosef Nurebo, 2019. "Comparing Financial Performance of State Owned Commercial Bank with Privately Owned Commercial Banks in Ethiopia," European Journal of Business Science and Technology, Mendel University in Brno, Faculty of Business and Economics, vol. 5(2), pages 200-217.
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    More about this item

    Keywords

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    JEL classification:

    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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