Effect of Credit Risk on Financial Performance of Deposit Banks in the BIST Bank Index

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Sosyoekonomi
Cilt: 33 Sayı: 66
Effect of Credit Risk on Financial Performance of Deposit Banks in the BIST Bank Index

Effect of Credit Risk on Financial Performance of Deposit Banks in the BIST Bank Index

Authors : Aylin Erdoğdu, Fahrettin Pala

Pages : 57-86

Doi:10.17233/sosyoekonomi.2025.04.03

View : 63 | Download : 76

Publication Date : 2025-10-21

Article Type : Research Paper

Abstract :This study analyses the relationship between credit risk and the financial performance of nine Turkish deposit banks listed on Borsa Istanbul (BIST) from 2010 to 2021. Using panel data, it employs profitability ratios (ROA, ROE, NIM) as performance indicators, and various credit risk metrics (NLTA, NPL, TLTD, CAR) as explanatory variables. GDP growth and inflation are included as control variables. The credit risk rankings identified ICBC Turkey Bank A.Ş. as having the lowest credit risk and Şeker Bank A.Ş. as the highest, using the WASPAS multi-criteria decision-making technique.
Keywords : Banka Kredi Riski, Finansal Performans, Panel Veri, Çok Kriterli Karar Verme Teknikleri

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