Özet:

The banking sector’s financial mediation function has a significant impact on economic growth. Therefore, the performance of the banking system is equally important for the financial sector as well as for the economy. For the factors affecting the profitability rates of the performance indicators of the banks, the studies in the literature are generally distinguishing the elements that are specific to the banks and the macroeconomic variables. In this study, the differences were adopted and analysed whether the credit structure had an impact on the active profitability and self-source profitability. The results obtained by applying "Statistical Panel Data Analysis" to the three-month periodic data of 13 banks operating in the banking sector between 2010 and 2017 have found that the structure of loans has no effect on the active and self-resource profitability. Therefore, it has emerged the need to be taken into consideration at the stage of the creation of banking policies that the structuring practices in loans do not have a profitable impact. The results of the analysis have found that macroeconomic variables have significant effects on inflation, GDP and interest rates; the active quality, capital and liquidity levels of the banks-specific variables have significant effects on the active profitability and self-resource profitability.

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