Özet:

Besides having achieved high growth and low inflation rate, Turkish economy had still problems such as continuing foreign trade and capital account deficit, high dept level, high real interest, and unemployment. Furthermore, the Central Bank has started to apply full inflation targeting since the beginning of the year 2006. As the banking sector affected by these developments, the acquisition of the banks by foreign capital, new banking law and the preparatory works of Basel II Criteria are the focused issues. While there were considerable increase in the consumer and housing credits in the sector in the year 2005, the loan problems aroused in some sector such as textile. Banks were faced with the loan problems of the private sector. Having not achieved the high profit capital ratios in the sector, the capital increases also have stayed limited. While the banks are decreasing the government bonds in their portfolios, they are increasing the credits. The unconformity between the deposit and credit maturity is still going on, besides this the transaction cost issues in banking.

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