Publication: Özel sermayeli mevduat bankalarının CAMELS değerlendirme sistemi üzerinden finansal performanslarının promethee yöntemiyle analizi
Abstract
Bankalar, gelişmekte olan ülkelerde işletmelere, bireylere ve kamu kurumlarına finansal hizmetler ve kredi imkânları sunarak ekonomik büyüme ve kalkınmaya önemli katkılarda bulunmaktadır. Sağlanan krediler, işletmelerin büyümesi, yeni yatırımların gerçekleştirilmesi ve ekonomik faaliyetlerin sürdürülebilirliği açısından kritik bir rol oynamaktadır. Bu doğrultuda, bankacılık sektörünün performans değerlendirmesi, yalnızca finansal kuruluşlar açısından değil, aynı zamanda makroekonomik istikrar ve kalkınma açısından da büyük önem taşımaktadır. Bu çalışma, özel sermayeli mevduat bankalarının finansal performanslarını değerlendirmek amacıyla gerçekleştirilmiştir. Analiz sürecinde, 2019-2024 yılları arasındaki veriler kullanılarak bankaların performansı CAMELS modeli ve CAMELS kriterleri esas alınarak PROMETHEE yöntemiyle sıralanmış ve karşılaştırılmıştır. Çalışmanın sonucunda, Türk Ekonomi Bankası genel olarak en yüksek performansı sergileyen banka olmuştur. CAMELS ve PROMETHEE yöntemleri bazı yıllarda farklı sonuçlar verse de, 2022 ve 2023’te her iki model de Türk Ekonomi Bankası’nı birinci sıraya yerleştirmiştir. En düşük performans sıralaması yıllara göre değişmekle birlikte, 2023 yılında her iki model de Türkiye İş Bankası'nı listenin en sonuna yerleştirmiştir. Genel sonuçlar benzer olmakla birlikte, CAMELS ve PROMETHEE yöntemleri arasında tam bir uyum bulunmadığı tespit edilmiştir. Bu çalışmaya özgünlük katan husus, Özel Sermayeli Mevduat Bankalarının finansal performanslarının CAMELS değerlendirme sistemi üzerinden PROMETHEE yöntemi ile analiz edilmesidir.
Banks in developing countries make significant contributions to economic growth and development by providing financial services and credit opportunities to businesses, individuals, and public institutions. The loans provided play a critical role in the growth of businesses, the realization of new investments, and the sustainability of economic activities. In this context, the performance evaluation of the banking sector is of great importance not only for financial institutions but also for macroeconomic stability and development. This study was conducted to evaluate the financial performance of Private Сapital Deposit Banks. In the analysis process, data from the years 2019 to 2024 were used, and the performance of the banks was ranked and compared using the PROMETHEE method based on the CAMELS model and its criteria. As a result of the study, Turkish Economy Bank generally exhibited the highest performance. Although the CAMELS and PROMETHEE methods yielded different results in some years, both models ranked Turkish Economy Bank in first place in 2022 and 2023. The lowest performance rankings varied by year; however, in 2023, both models placed İşbank at the bottom of the list. Although the overall results were similar, it was determined that there was no complete alignment between the CAMELS and PROMETHEE methods. What adds originality to this study is the analysis of the financial performances of Private Сapital Deposit Banks through the CAMELS evaluation system using the PROMETHEE method.
Banks in developing countries make significant contributions to economic growth and development by providing financial services and credit opportunities to businesses, individuals, and public institutions. The loans provided play a critical role in the growth of businesses, the realization of new investments, and the sustainability of economic activities. In this context, the performance evaluation of the banking sector is of great importance not only for financial institutions but also for macroeconomic stability and development. This study was conducted to evaluate the financial performance of Private Сapital Deposit Banks. In the analysis process, data from the years 2019 to 2024 were used, and the performance of the banks was ranked and compared using the PROMETHEE method based on the CAMELS model and its criteria. As a result of the study, Turkish Economy Bank generally exhibited the highest performance. Although the CAMELS and PROMETHEE methods yielded different results in some years, both models ranked Turkish Economy Bank in first place in 2022 and 2023. The lowest performance rankings varied by year; however, in 2023, both models placed İşbank at the bottom of the list. Although the overall results were similar, it was determined that there was no complete alignment between the CAMELS and PROMETHEE methods. What adds originality to this study is the analysis of the financial performances of Private Сapital Deposit Banks through the CAMELS evaluation system using the PROMETHEE method.