Özet:

Currently, the competition in the financial markets is strong. The banking sector, which is an important player in the financial sector, is also influenced by this competition. In the banking sector, the concept of efficiency and efficiency has gained importance. Working efficiently has become an obligation for banks. The aim of this work is to measure the activities of the Turkish banking sector and the Iraqi banking sector, to identify the developments they have shown over the years, and ultimately to compare the results with each other. In the study, the activities of the observation groups selected from the banks operating in the Turkish and Iraqi Banking System were first identified by the Data Coverage Analysis VZA method. The average statistics on which these identified values were studied were also presented by table for the observation sets that included the banks of both countries. Then the reference sets and intensity values have been determined and tabled so that banks that have not been able to perform the analysis in the last year can reach full effectiveness. In addition, the potential improvement tables created showed what input rates they would use to capture the same output level with fewer entries by the ineffective decision-making units in the observation sets and how much limitation should be made in their entries. The developments that the banks that make up the observation set have shown over the years in terms of performance rates have been studied with the help of the Malmquist Total Factor Efficiency Index MTFV. The MTFV Index shows the positive and negative developments they made in the situation of the decision-making units compared to the previous year, consisting of four separate indicators. Then periodic comparisons over the average values of the results of the Malmquist index in terms of observation sets were made with the help of the table. Finally, the results were reviewed by comparing the results of all the analysis of the banks of both countries, which formed the observation sets. The study took advantage of data from 13 banks operating in the Turkish and Iraqi banking sectors between 2013 and 2017. It was noted that the bank data was uninterrupted throughout the analysis period. Due to the structure of Zira VZA, the decision-making units in the observation set must have uninterrupted data. The banks that have been monitored have been identified. In the analysis section of the study, as input, the Total Deposit/Total Assets, Interest Expenses/Total Assets and Other Activity Expenses/Total Assets and Output also used the Total Loans and Revenue/Total Assets and Interest Revenue/Total Assets variables. According to the results of the analysis; in the analysis period covering the years 2013-2017, the Turkish Banks, compared to the Iraqi Banks, performed better in terms of both performance and overall factor efficiency. Turkish banks have increased their effectiveness every year compared to the Iraqi banks. In the MTFV index values, the Turkish Banks are increasing their values each year, while the Irakian Banks are in a downward, irregular situation.

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