ANALYSIS OF VARIABLES DETERMINING NON-PERFORMING LOANS IN TURKISH BANKING SECTOR


Lending, which is one of the reasons for the existence of Turkish banks, is of great importance in terms of economic functioning. However, as a result of the non-repayment of the loans granted by the banks, both the financial and real sectors, as well as the national economy, may be adversely affected. The bankruptcies seen as a result of the crisis in the past have had huge costs for both the country and the world economy. It can be stated that one of the main reasons for the economic stagnation, which has an impact in our country especially today, is the non-performing loans. In this study, the panel data analysis method will be used to determine whether there is a significant relationship between the bank-specific and macroeconomic variables that may cause non-performing loans of 25 commercial banks between 2008-2018. The aim of this study is to analyze the degree of relationship of non-performing loans on macroeconomic variables, which is the basis of banks' dynamism of national economies, and to determine which variables interact on non-performing loans and how these variables affect non-performing loans. When the earlier studies of the study are examined, the lack of a study that deals with such variables that may be related to non-performing loans reveal the originality of the study.


Keywords


Non-performing Loans, Panel Data Analysis, Turkish Banking Sector

Author : Serdar KUZU -İsmail Erkan ÇELİK
Number of pages: 1637-1656
DOI: http://dx.doi.org/10.29228/TurkishStudies.23395
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Turkish Studies-Social Sciences
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