Özet:

The aim of the study is to explore the potential effects of Basel II criteria on the real sector in our country and the effects of Basel III criteria on banks. The first 1000 companies published by the Istanbul Chamber of Industry in Kayseri, the data obtained through the question form and individual interviews of 30 companies, were evaluated using the SPSS program. The real sector’s perspective on Basel II has concluded that companies’ expectations from Basel II are positive in the short term by 82.4%, while all companies’ expectations are positive in the medium and long term. Risk management is a key issue in Basel II criteria. 23.5 percent of companies said they are the risk management department, while 76.5 percent said they are not the risk management department. The Banking Sector has been determined to be influenced by Basel III Criteria on Capital Capacity Rate, Liquidity and Profit Rate. Analysis was made using the financial statements of the first five banks in the ranking of active size operating in Turkey. The results of the analysis have found that banks conform to Basel III ratio criteria and that their sector average is usually above. The banks were prepared for Basel III.