Özet:

In conjunction with the global crisis, the excessive increase in the amount of loans resulting from the implementation of expanding monetary policies has led to the banking sector’s loans to be progressive and unconscious. If the loan is granted and not granted, it also brings the risk of the loan being paid back. The failure to pay the loan in time or the delay of payment for a few days does not make the loan problematic. In order for a loan to be referred to as a subsequent loan, it is necessary to fail to pay or to disrupt the agreement to delay the debt. In this study, the credit growth of the banking sector and the credit relationship followed by the 2005:Q4-2017:Q4 period was analyzed using three-month data. by Vd. (2001) an unrestricted error correction model (UECM) and bounds testing approach was applied within the scope of the ARDL model. According to the results of the analysis, a cointegration relationship was found between non-performing loans and banking sector loan growth. Moreover, in the long run, when the banking sector's loan volume increases, non-performing loans also increase. Error correction term coefficient was negative and statistically significant as expected in the short term. When the findings obtained for the short term are evaluated, it has been determined that the total loan volume of the banking sector is effective on non-performing loans.