Abstract:

Although the financial system is an important institution of banks, the financial institutions consisting of leasing, factoring and financing companies are also important institutions that give loans to individuals and companies with the funds they provide. The banks are the institutions that carry out intermediate activities between the fund suppliers and those seeking funds. Financial institutions are unable to accept deposits, they make funds they provide by exporting their own resources, the loans they use and the debt instrument. These institutions also use loans to individuals and companies together with banks and are exposed to credit risks. In the study, banks and other financial institutions operating in Turkey are compared, identified and assessed in terms of credit, active, problematic loans and various financial indicators. Finally, the bank and other financial institutions have found that the weight of loans and problematic loans in the balance sheets increased, that the banks sell their subsequent loans to asset management companies and that the subsequent loans are reduced, and that the financial rental and factoring companies, in addition to the financing companies, are in the process of reducing the subsequent loans.

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