TOPSIS YÖNTEMİ İLE TÜRK KATILIM BANKALARININ PERFORMANS ANALİZİ ve BANKACILIKTA RİSK YÖNETİM POLİTİKALARININ ÖNEMİ

Abstract

It is seen that the development of participation banks within the banking sector in Turkey has gained momentum, has become increasingly prominent within the sector, they have grown by increasing their share in the sector and their contributions to the economy have increased. For this purpose, it is important to examine the performance of participation banks. Today's financial performance of participation banks; asset structure, equity adequacy, liquidity structure, development of loans, profitability status, etc. are analyzed with selected financial indicators. Topsis method was preferred and the importance of risk management policies in banking was emphasized in the study comparing the financial performance of 5 selected Participation banks operating in Turkey with 12 financial ratios for 2016-2019.During the period examined, the financial performance of participation banks was evaluated, it was stated that it is important to continue to support participation banks in the Turkish banking sector with risk management structure and risk management policies that are free from financial fragility, more sensitive to risks, maintain a robust liquidity structure, strengthen their future financial structures and risk management policies. According to the results obtained from this study; In 2016, it was determined that Vakıf Participation Bank exhibited the highest financial performance, Kuwait Turkish Participation Bank in 2017 and Finance Participation Bank of Turkey in 2018 and 2019.