Özet:

Loans are referred to as resources that satisfy the needs of individuals, or institutions and provide profits by offering returns to the banks in this process of debt. Loans are an important return element because they provide profits to the banks. Therefore, credit marketing activities are of great importance for banks. This study also discusses credit marketing and credit efficiency. After the study provided information such as the conceptual framework and date of banking, the explanations on credit marketing were made. Then, the data included in the reports of the Banking Regulation and Supervisory Authority (BDDK) used the assessment of the loans marketed in the Turkish banking sector for the period 2009-2015. The data is presented and interpreted on forms (graphs) using Microsoft Excel and Microsoft Word programs. According to the results of the study, the overall distribution of bank loans, which was quite low in 2009, brought a considerable rise at the end of 2015. Therefore, banks in Turkey may face damage in a crisis not only depending on the commercial credit portfolio, but also depending on the individual credit portfolio. Like other loans (state and commercial loans), individual housing loans will also be insured by banks. The demand for credit products in the Turkish banking sector has also increased. Individual loans showed a significant increase every year, and in 2015 it reached almost the same level as KOBI loans. The amount of loans in the bank’s total assets increases. The banks that use the most loans are private banks.

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