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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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    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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