{"id":1897,"date":"2012-04-19T12:29:38","date_gmt":"2012-04-19T17:29:38","guid":{"rendered":"http:\/\/www.berjournal.com\/?p=1897"},"modified":"2012-04-19T13:00:05","modified_gmt":"2012-04-19T18:00:05","slug":"determination-of-the-optimal-level-of-lending-in-turkish-banking-sector","status":"publish","type":"post","link":"https:\/\/www.berjournal.com\/tr\/determination-of-the-optimal-level-of-lending-in-turkish-banking-sector","title":{"rendered":"Determination of the Optimal Level of Lending in Turkish Banking Sector"},"content":{"rendered":"\n\n<\/colgroup>\n\n\n\n\n\n\n\n
Article Information<\/strong><\/span><\/span><\/td>\n<\/tr>\n

\nJournal:<\/strong><\/span><\/span>Business and Economics Research Journal
\n<\/span>Title of Article:<\/strong><\/span><\/span>Determination of the Optimal Level of Lending in Turkish Banking Sector
\n<\/span>Author(s):<\/strong><\/span><\/span> Erkan Poyraz
\n<\/span>Volume:<\/strong><\/span><\/span> 3
\n<\/span>Number:<\/strong><\/span><\/span> 2
\n<\/span>Year:<\/strong><\/span><\/span> 2012
\n<\/span>Page:<\/strong><\/span><\/span>41 – 49
\n<\/span>ISSN:<\/strong><\/span><\/span>1309-2448<\/span><\/td>\n<\/tr>\n
Abstract <\/strong><\/span><\/span><\/td>\n<\/tr>\n
\n

Banking sector has a great importance in a national economy. Banks provide the vital function of mobilizing savings from those who have it and allocating such savings to those who wish to borrow to invest in economic development. When these two cardinal functions are not effectively provided by a country\u2019s banking institutions, then its economic performance is seriously hampered. Main duty of banks is to accept deposits and channel those deposits into lending activities, either directly or through capital markets. In this study it is tried to determine if there is any correlation between the level of lending and the level of profitability. In addition to that, optimal level of lending is tried to be determined. Total lendings \/ total assets which is the best indicator of asset quality is accepted as independent variable and net income \/ total asset (return on assets), net income \/ equity (Return on equity) are accepted as dependent variable. Between those variables regression and correlation analyse are done .<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Keywords:<\/strong><\/span><\/span>Bankings, Lending, Profitability ratios, Financial performance <\/span><\/span><\/p>\n<\/td>\n<\/tr>\n

JEL Classification<\/strong><\/span><\/span>:<\/strong><\/span><\/span>G20, G21, G32<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Article Information Journal:Business and Economics Research Journal Title of Article:Determination of the Optimal Level of Lending in Turkish Banking Sector Author(s): Erkan Poyraz Volume: 3 Number: 2 Year: 2012 Page:41 – 49 ISSN:1309-2448 Abstract Banking sector has a great importance in a national economy. Banks provide the vital function of mobilizing savings from those who […]<\/p>\n

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