Özet:

Non-performing loans can be defined as a significant disruption of the repayment agreement between the bank and the debtor, resulting in a delay in collection and the possibility of loss. The increase in non-performing loans may cause serious problems in both the banking sector and the real sector, and therefore in the country's economy. Unrepaid loans disrupt the bank's asset structure and cause a decrease in its liquidity structure. The increase in non-performing loans prevents banks from using their resources in productive and profitable investments by increasing the provisions set aside for non-performing loans. Banks, those revenues decrease, have difficulty in fulfilling their responsibilities, and their reliability and reputation are damaged. This situation sometimes can result in the bankruptcy of the bank. Loans that cannot be collected and become problematic pose a great risk for the real sector as well as the banking sector. Non-performing loans negatively affect the banking sector, the banking sector businesses, and the businesses negatively affect the country's economy. It is observed that banks with increasing amounts of non-performing loans cannot meet the loan demands of companies that want to make new investments and aim to increase employment, and as a result, this causes a contraction in the country's economy. This research study in question addresses the conceptualization, scope and causes of non-performing loans. In the study is also examined in detail the size and development of non-performing loans in the Turkish banking sector.

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