Arzın Merkezine Seyahat: Bankacılarla Yapılan Görüşmelerden Elde Edilen Bilgilerle Türk Bankacılık Sektörünün Davranışı (Behaviour of Banking Sector in Turkey, Based on Information From Survey Data)

Arzın Merkezine Seyahat: Bankacılarla Yapılan Görüşmelerden Elde Edilen Bilgilerle Türk Bankacılık Sektörünün Davranışı (Behaviour of Banking Sector in Turkey, Based on Information From Survey Data)

Title : Behaviour of Banking Sector in Turkey, Based on Information From Survey Data
Number : 11/24
Author(s) : Koray Alper, Defne Mutluer Kurul, Ramazan Karaşahin, Hakan Atasoy
Language : Turkish
Date : November 2011
Abstract : Global crisis has underlined the essentiality of deepening our understanding and knowledge about the financial system. Accordingly, recent debates on macroeconomic policies focused exclusively on the financial system. This survey aims at contributing to the efforts on expanding our existing knowledge on financial system especially in the context of macroeconomic implications in Turkish economy. We have interviewed fourteen largest deposit banks, which represent more than 89 percent of the total assets of the domestic banking system. Survey was conducted with senior officers of the banks. Some of the major results emerged out of the survey could be summarized as follows; (i) there is a high degree of competition both in credit and deposit markets albeit the degree of competition could differ significantly across loan types, (ii) different subitems of deposits with respect to different classifications are far from being substitutes for each other, (iii) procyclicality of credit cycles mainly arises from the reflections of macroeconomic developments on firms’ cash flows rather than the fluctuations of collateral values.
Keywords : Loan, Deposit, Turkish Banking System, Monetary Policy
JEL Codes : G21; E50; D40

Arzın Merkezine Seyahat: Bankacılarla Yapılan Görüşmelerden Elde Edilen Bilgilerle Türk Bankacılık Sektörünün Davranışı (Behaviour of Banking Sector in Turkey, Based on Information From Survey Data)
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