A SITUATION OF TURKISH STATE-OWNED BANKS IN SECTORS: A COMPARATIVE PERFORMANCE, ASSET QUALITY AND CAPITAL ADEQUACY ANALYSIS

Mustafa Tugrul Bahar (), Ayhan Kapusuzoglu () and Nildag Basak Ceylan ()
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Mustafa Tugrul Bahar: Ankara Yildirim Beyazit University, Türkiye
Ayhan Kapusuzoglu: Ankara Yildirim Beyazit University, Türkiye
Nildag Basak Ceylan: Ankara Yildirim Beyazit University, Türkiye

Scientific Bulletin - Economic Sciences, 2025, vol. 24, issue 3, 5-18

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.

Keywords: Public banks; financial ratios; financial analysis (search for similar items in EconPapers)
JEL-codes: L25 O16 (search for similar items in EconPapers)
Date: 2025
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