Abstract:

In this study, 21 banks operating in Turkey in the period 2004-2017 have tried to identify the indicators of the following loans through the annual data. The work has been added to the bank-specific variables as well as the country-specific macro-financial and macro-economic variables. In the study, the ratio of subsequent loans to the total assets (NPL1) and subsequent loans to the total loans (NPL2) was determined as a variable depending on the total assets (NPL2). In the study, the factors that influence the successive receipts of banks were studied by static and dynamic panel data analysis methods. Specialization in borrowing (BVU) variable has been found negative and statistically meaningful throughout the models. As a result, the banks will have the potential to better track the loans that they can increase their receipts as they specialize in lending. It has been found that the capitalization (KAP) variable has statistically meaningful and positive effects on all models. These findings show that banks give less capital loans with more risk, which has resulted in the increase in subsequent receipts. Based on the analysis results by panel data method, the results we find will help policy makers identify financial and economic factors.

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