Analysis shows financial performance is influenced by credit risk in Turkish deposit banks, indicating importance of credit metrics and inflation effects.
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.
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Erdoğdu et al. (2025) studied this question.
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