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SE4All 100/100/100 campaign ‐ Financial Institutions BANKS ABN AMRO ACBA ‐ Credit Agricole Bank CJSC ACCESSBANK CJSC Agjencioni Per Financim NE Kosove (AFK) AKBank A.S Ameriabank CJSC Armswissbank JSC ASN Bank Bai Tushum & Partners CJSC Banamex Banca Transilvania S.A. Bancolombia Bank Eskhata OJSC Bank Millennium Bank of Georgia JSC Bank of India Bank of Valletta Bank Republic JSC Basisbank JSC BBVA Belgazprombank JSC BELVNESHECONOMBANK JSC BMCE Bank SA BPS‐SBERBank BRD ‐ Groupe Societe Generale S.A. CASA DE Economii SI Consemnatiuni S.A. CenterInvest Bank OJSC Credit Agricole CREDO LLC Daegu Bank Demir Kyrgyz International Bank CJSC Demirbank JSC DenizBank A.Ş. Ecobank Erste & Steiermarkische Bank d.d. Eurobank Firstrand Garanti Bankasi A.Ş. Garanti Leasing Halkbank Skopje Hana Bank HSBC Bank Armenia CJSC Humo & Partners Imon International ING Group NV Kyrgyz Investment and Credit Bank CJSC La Banque Postale Megabank Public Joint Stock Company Microinvest LLC Minsk Transit Bank CJSC Mobiasbanca Moldincombank S.A. Moldova Agroindbank S.A. National Bank of Egypt NLB Tutunska Banka A.D. Skopje NRW Bank Ohridska Banka A.D. Ohrid OTP Bank Romania S.A. Pireaus Bank Procredit Group Raiffeisen Bank Aval JSC Raiffeisen Bank D.D. Bosnia and Herzegovina Raiffeisen Bank S.A. Regional Center for Renewable Energy and Energy Efficiency (RCREEE) SEF International Universal Credit Organization LLC Şekerbank T.A.Ş. Shinhan Bank Slovenska Sporitelna, a.s. Societe Generale Banka AD Beograd State Export Import Bank of Ukraine JSC Sudameris Bank Sumitomo Mitsui Trust Holdings Tatra banka, a. s. Triodos Bank TuranBank OJSC Türkiye İş Bankası A.Ş. Türkiye Sinai Kalkinma Bankasi AS UK Green Investment Bank Ukrsibbank Unibank JSC Unicredit Bank DD Mostar: Unicreditbank Serbia JSC Unicredit Bulbank Unicredit Tiriac Banka S.A. United Bulgarian Bank Vakiflar Bankasi T.A.O. VTB Georgia Xac Bank LLC Yapı ve Kredi Bankasi A.Ş. YES Bank Zagrebacka Banka D.D. INVESTORS AFL‐CIO Alecta Amundi AP1 AP1 AP2 AP3 AP4 AP6 Australian Ethical Investment Aviva Axa Investment Managers Boston Common Asset Management Caisse des Depots CalSTRS Calvert Investment Management Candriam Investors Group Cbus United Super Church of Sweden Environment Agency Pension Fund ERAFP First Affirmative Financial Network Generation Investment Management Hermes Investment Management Humanis Inc Inflection Point Investments London Borough of Southwark Pension Fund Mirova Natixis Robeco Sonen Capital SPP Toronto Atmospheric Fund Trillium Asset Management Triodos Investment Management Walden Asset Management WHEB.

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The Cause of Misfire in Counter-Terrorist Financing Regulation
UNIVERSITY OF CALIFORNIA RIVERSIDE Making a Killing: The Cause of Misfire in Counter-Terrorist Financing Regulation A Dissertation submitted in partial satisfaction of the requirements for the degree of Doctor of Philosophy in Political Science by Ian Oxnevad June 2019 Dissertation Committee: Dr. John Cioffi, Chairperson Dr. Marissa Brookes Dr. Fariba Zarinebaf Copyright by Ian Oxnevad 2019 The Dissertation of Ian Oxnevad is approved: ________________________________________________ ________________________________________________ ________________________________________________ Committee Chairperson University of California, Riverside ABSTRACT OF THE DISSERTATION Making a Killing: The Cause of Misfire in Counter-Terrorist Financing Regulation by Ian Oxnevad Doctor of Philosophy, Graduate Program in Political Science University of California, Riverside, June 2019 Dr. John Cioffi, Chairperson Financial regulations designed to counter the financing of terrorism have spread internationally over past several decades, but little is known about their effectiveness or why certain banks get penalized for financing terrorism while others do not. This research addresses this question and tests for the effects of institutional linkages between banks and states on the enforcement of these regulations. It is hypothesized here that a bank’s institutional link to its home state is necessary to block attempted enforcement. This research utilizes comparative studies of cases in which enforcement and penalization were attempted, and examines the role of institutional links between the bank and state in these outcomes. The case comparisons include five cases in all, with three comprising positive cases in which enforcement was blocked, and two in which penalty occurred. Combined, these cases control for rival variables such as rule of law, state capacity, iv authoritarianism, and membership of a country in a regulatory body while also testing for the impact of institutional linkage between a bank and its state in the country’s national political economy.
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Premailer Middle East 2021
Bonds, Loans Shangri-La Bosphorus, Istanbul & Sukuk Turkey 2021 Turkey’s largest capital markets event www.bondsloansturkey.com 93% 50+ 20% 250+ DIRECTOR LEVEL OR ABOVE REGIONAL & INTERNATIONAL SOVEREIGN, CORPORATE & INDUSTRY EXPERT SPEAKERS BANKS ATTENDED FI BORROWERS Bonds, Loans & Sukuk Turkey has become the meeting point of all important players in finance through the correct mix of its participants, and its reliability with continuity of successful organisations in the last consecutive years Selahattin BİLGEN, IGA Airport PLATINUM SPONSOR GOLD SPONSOR BRONZE SPONSORS WELCOME TO THE ANNUAL MEETING PLACE FOR TURKEY’S FINANCE PROFESSIONALS Bonds, Loans & Sukuk Turkey is the country’s largest capital markets event. It is the only event to combine discussions across the Bond, Loans and Sukuk markets, making it a “must attend” event for the country’s leading CEOs, CFOs and Treasurers. With over 65% of the audience representing issuers and borrowers and over 93% being director level or above, it is the place where live deals are discussed and mandates are won each year. As a speaker, I had a dynamic discussion which was a great experience. Overall, the organisation was great and attracted an invaluable list of attendees. Orhan Kaya, ICBC Turkey SAVE YOURSELF SHOWCASE YOUR INCREASE TIME AND MONEY EXPERTISE IN THE REGION AWARENESS get the attendee list 2 weeks by presenting a case study by taking an exhibition space before the event so you can to a room full of potential and demonstrating your pre-arrange meetings. clients. products and services. WIN MORE INCREASE YOUR BUSINESS BRANDS PRESENCE packages include a number through the numerous of staff passes so you can branding opportunities cover more clients.
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Turkey RISK & COMPLIANCE REPORT DATE: March 2018
Turkey RISK & COMPLIANCE REPORT DATE: March 2018 KNOWYOURCOUNTRY Executive Summary - Turkey Sanctions: None FAFT list of AML No Deficient Countries US Dept of State Money Laundering assessment Higher Risk Areas: Not on EU White list equivalent jurisdictions Failed States Index (Political)(Average score) Weakness in Government Legislation to combat Money Laundering Medium Risk Areas: Corruption Index (Transparency International & W.G.I.)) World Governance Indicators (Average score) Compliance of OECD Global Forum’s information exchange standard Major Investment Areas: Agriculture - products: tobacco, cotton, grain, olives, sugar beets, hazelnuts, pulses, citrus; livestock Industries: textiles, food processing, autos, electronics, mining (coal, chromate, copper, boron), steel, petroleum, construction, lumber, paper Exports - commodities: apparel, foodstuffs, textiles, metal manufactures, transport equipment Exports - partners: Germany 10.3%, Iraq 6.2%, UK 6%, Italy 5.8%, France 5%, Russia 4.4% (2011) Imports - commodities: machinery, chemicals, semi-finished goods, fuels, transport equipment Imports - partners: Russia 9.9%, Germany 9.5%, China 9%, US 6.7%, Italy 5.6%, Iran 5.2% (2011) 2 Investment Restrictions: The Government of Turkey (GOT) has developed specific strategies for 24 industrial sectors, including eight priority sectors. It has also established specific plans for physical infrastructure upgrades, as well as a major expansion of Turkey’s health, information technology, and education sectors, all of which are geared to make the Turkish workforce and companies more competitive. GOT recognizes that the domestic economy alone will not be sufficient to reach these goals and that Turkey will need to attract significant new foreign direct investment (FDI). Foreign-owned interests in the petroleum, mining, broadcasting, maritime transportation, and aviation sectors are subject to special regulatory requirements.
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Vulnerability Analysis of Turkish Banks Using Stress Testing and Internal Credit Rating Approach
Journal of Economics, Finance and Accounting – JEFA (2020), Vol.7(2),p.103-119 Ghazavi, Bayraktar Tur VULNERABILITY ANALYSIS OF TURKISH BANKS USING STRESS TESTING AND INTERNAL CREDIT RATING APPROACH DOI: 10.17261/Pressacademia.2020.1207 JEFA- V.7-ISS.2-2020(4)-p.103-119 Masoud Ghazavi1, Sema Bayraktar Tur2 1Financial Specialist, Bank Mellat Headquarters, Tehran, Iran. [email protected] , ORCID: 0000-0002-3973-1076 2Istanbul Bilgi University, Department of Banking and Finance Istanbul, Turkey. [email protected], ORCID: 0000-0002-7564-4148 Date Received: April 2, 2020 Date Accepted: June 15, 2020 To cite this document Ghazavi, M., Tur, S.B,, (2020). Vulnerability analysis of Turkish banks using stress testing and internal credit rating approach. Journal of Economics, Finance and Accounting (JEFA), V.7(2), p.103-119. Permanent link to this document: http://doi.org/10.17261/Pressacademia.2020.1207 Copyright: Published by PressAcademia and limited licensed re-use rights only. ABSTRACT Purpose- This study examines the performance and financial vulnerability of twelve Turkish banks for 2019. Methodology - Stress testing identifies the impact of extreme expected and unexpected shocks to a bank’s capital, provides an assessment of its financial strength to withstand shocks and helps to spot emerging risk(s) and uncover weak spots in the financial institution. It enables banks in identifying their vulnerabilities at an early stage. In addition to stress testing, as for Internal Credit Rating (ICR), some financial ratios have been selected to assess the performance of each bank within banking industry. Findings- All banks in 2019 are within the standard classification of ICR rating except for Şekerbank.
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Monthly Equity Strategy
Equity Strategy June 05, 2012 Monthly Equity Strategy Selling pressure rose in May… Research Team HOLD +90 (212) 334 33 33 [email protected] Following the strong first quarter fuelled by increased risk appetite in developed markets, sentiment has Facts & Figures Close MoM again turned negative over the past two months. The ISE - 100, TRY 55,099 -8.18 mood in the market went south in April on news from ISE - 100, USD 29,939 -12.75 the U.S., while sales accelerated in May on increased Total Volume, TRY mn 43,471 -69.14 uncertainty following the elections in France and Greece. In addition to this, the inability to establish a MSCI EM Turkey 413,199 -13.0% government in Athens, and the emergent likelihood of MSCI EM 906 -11.7% its exit from the euro increased selling pressure in the Benchmark Bond 9.45% -13 bps stock market in May. The ISE-100 index, remaining relatively strong compared to international peers in USD/TL 1.8404 5.23% April, was also buffeted by international sell-off winds EUR/TL 2.2840 -1.26% in the last month. The ISE-100 index, which started the P/E Current month of May at 60,000 levels, has, aside from negative developments in foreign markets, been affected by ISE - 100 10.2 S&P’s downgrading of the country outlook from positive Banking 7.9 to ‘stable’, and Fitch’s statement that the period Industrial 13.2 leading to Turkey’s uptick to investment grade would Steel 8.4 be longer than expected, and retreated to 54,000 levels.
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Turkey's Largest Capital Markets Event
Book your place before 5th September to SAVE £200 enter code DM1 at www.BondsLoansTurkey.com Turkey’s largest capital markets event Platinum Sponsors Gold Sponsors Lunch Sponsor Silver Sponsor Bronze Sponsors WELCOME TO Bonds, Loans & Sukuk Turkey 2018 REASONS TO ATTEND 1 Hear global investors’ analysis of the opportunities in the market from: BlueBay, Barings, Manulife 2 Gain an economist’s assessment of Turkey’s macroeconomic fundamentals: Find out which external factors are likely to impact Turkey over the next 2 years 520+ 3 Discover how issuers are hedging against FX volatility, attendees and what companies are doing with existing hard 95% currency debt Director level 4 Uncover which markets offer borrowers and issuers or above the best options, hear from: Medical Park, Vakıf Emeklilik, Bank ABC, HSBC and Emirates NBD 5 Network with 520+ senior stakeholders from the Turkish Capital Markets: 95% are Director level or above 63% Corporate & Bonds, Loans & Sukuk Turkey is a fantastic event where I can see many financial institutions and colleagues from all over the world. It also FI Issuers and provides a useful market update, covering the latest developments in the Borrowers, Turkish Capital Markets. 70+ Muzaffer Aksoy, Bank ABC Investors and speakers 2 Government Senior Level Speakers include Semih Ergür, Naz Masraff, Timothy Ash, Murat Ucer, Chief Executive Officer, Director of Europe, Senior EM Sovereign Strategist, Economist, IC Holding Eurasia Group BlueBay Asset Management GlobalSource Partners Burcu Ozturk, Burcu Geris Richard
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As Defined in Regulation S) Outside of the U.S
IMPORTANT NOTICE OFFERINGS UNDER THE PROGRAMME ARE AVAILABLE ONLY TO INVESTORS WHO ARE PERSONS OTHER THAN U.S. PERSONS (AS DEFINED IN REGULATION S) OUTSIDE OF THE U.S. IMPORTANT: You must read the following before continuing. The following applies to the Base Prospectus following this page, and you are therefore advised to read this carefully before reading, accessing or making any other use of the Base Prospectus. In accessing the Base Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them any time you receive any information from the Bank as a result of such access. NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. SECURITIES OFFERED UNDER THE PROGRAMME HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OF THE U.S. OR OTHER JURISDICTION AND THE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE U.S. OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S (“REGULATION S”) UNDER THE SECURITIES ACT), EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE STATE OR LOCAL SECURITIES LAWS. THE FOLLOWING BASE PROSPECTUS MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER AND IN PARTICULAR MAY NOT BE FORWARDED TO ANY U.S.
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Acquisition of Denizbank AS Building Sberbank’S International Platform
Acquisition of DenizBank AS Building Sberbank’s International Platform 13 June 2012 © Investor Relations, SBERBANK Disclaimer This presentation has been prepared by Sberbank of Russia (the “Bank”) and has not been independently verified. This presentation does not constitute or form part or all of, and should not be construed as, any offer of, or any invitation to sell or issue, or any solicitation of any offer to purchase, subscribe for, underwrite or otherwise acquire, or a recommendation regarding, any shares or other securities representing shares in, or any other securities of the Bank, or any member of the Bank‟s group, nor shall it or any part of it nor the fact of its presentation or distribution form the basis of, or be relied on in connection with, any contract or any commitment whatsoever or any investment decision. The information in this presentation is confidential and is being provided to you solely for your information and may not be reproduced, retransmitted or further distributed to any other person or published, in whole or in part, for any purpose. This presentation is not an offer of securities for sale in the United States nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. The Bank has not registered and does not intend to register any shares, or other securities representing shares, in the United States or to conduct a public offering of any securities in the United States. The shares, or other securities representing shares, may not be offered or sold in the United States except pursuant to an exemption from, or transaction not subject to, the registration requirements of the US Securities Act of 1933, as amended.
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T. Halk Bankası A.Ş. 2021 Yılı 1. Çeyrek Ara Dönem Faaliyet Raporu
2021 1.ÇEYREK ARA DÖNEM F A A L İ Y E T R A P O R U T. Halk Bankası A.Ş. 2021 Yılı 1. Çeyrek Ara Dönem Faaliyet Raporu İçindekiler Sayfa No Genel Bilgiler 1 Tarihsel Gelişim 2 Ortaklık Yapısı 2 Yönetim Kurulu Başkanı’nın Değerlendirmesi 3 Genel Müdür’ün Değerlendirmesi 4 Yönetim Kurulu ve Denetim Kurulu 5 Üst Yönetim 5 Genel Müdürlük Teşkilat Şeması 6 Başlıca Finansal Göstergeler 7 2021 yılı 1. Çeyrek Ara Dönem Gelişmeleri 12 Ortaklık Portföyü 13 i T. Halk Bankası A.Ş. 2021 Yılı 1. Çeyrek Ara Dönem Faaliyet Raporu Genel Bilgiler Ticaret Unvanı Türkiye Halk Bankası Anonim Şirketi Kayıtlı Sermaye Tavanı 10.000.000.000 TL Çıkarılmış Sermayesi 2.473.776.223,776 TL Tescil Tarihi 26.08.1938 Ticaret Sicil Numarası 862070 Ticaret Sicil Memurluğu İstanbul Ticaret Sicili Müdürlüğü 1.007 Şube (930 şube, 7 kurumsal, 36 ticari, 2 serbest bölge şubesi, Yurtiçi Şube Sayısı 32 uydu şube) Yurtdışı Teşkilat Yapısı 1 Yurtdışı Ülke Müdürlüğü, 6 Yurtdışı Şube ve 3 Temsilcilik Bölge Koordinatörlüğü Sayısı 29 Bölge Koordinatörlüğü Personel Sayısı 20.171 Barbaros Mahallesi Şebboy Sokak No:4 /1 34746 Genel Müdürlük Ataşehir/İSTANBUL 0216 503 70 70 İnternet Sitesi www.halkbank.com.tr E-posta Adresi [email protected] Halkbank Dialog 0850 222 0 400 Çağrı Merkezi Halkbank Kurumsal Dialog 0850 222 0 401 1 T. Halk Bankası A.Ş. 2021 Yılı 1. Çeyrek Ara Dönem Faaliyet Raporu Tarihsel Gelişim 1933 yılında 2284 sayılı Halk Bankası ve Halk Sandıkları Kanunu ile Türkiye Halk Bankası’nın kuruluş süreci başlamış ve Banka 1938 yılında faaliyete geçmiştir.
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As Defined in Regulation S) Outside of the U.S
IMPORTANT NOTICE OFFERINGS UNDER THE PROGRAMME ARE AVAILABLE ONLY TO INVESTORS WHO ARE PERSONS OTHER THAN U.S. PERSONS (AS DEFINED IN REGULATION S) OUTSIDE OF THE U.S. IMPORTANT: You must read the following before continuing. The following applies to the Base Prospectus following this page, and you are therefore advised to read this carefully before reading, accessing or making any other use of the Base Prospectus. In accessing the Base Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them any time you receive any information from the Bank as a result of such access. NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. SECURITIES OFFERED UNDER THE PROGRAMME HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE OF THE U.S. OR OTHER JURISDICTION AND THE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE U.S. OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S (“REGULATION S”) UNDER THE SECURITIES ACT), EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE STATE OR LOCAL SECURITIES LAWS. THE FOLLOWING BASE PROSPECTUS MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER AND IN PARTICULAR MAY NOT BE FORWARDED TO ANY U.S.
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Turkey Strategy
12 May 2020 Turkey Strategy | Virus receding but not the pressure on TL Turkey’s fight against the coronavirus is going well: Both the daily death toll and the number of active cases have been in a declining trend. It appears Strategy that Turkey’s selective lockdown measures that are imposed timely (stay at home orders only for <20 and >65 ages; full lockdowns only during public holidays) and low mortality rate (thanks to the large healthcare capacity, its special treatment protocol and the young population) have limited the CEEMEA/Turkey | outbreak’s impact on the country. With the decline in active cases, the government has recently started to ease the lockdown restrictions. Data from sectors will be very ugly in the coming months, but this may not catalyse a further leg down: Despite the easing of restrictions, the weak export market, the end of the ban on personnel layoffs by mid-July and the potentially very weak tourism season suggest that the very sharp contraction in economic activity will continue into 3Q20. However, we believe that the weak data print may not catalyse a further leg down in equities, as the Research Equity market should focus on future quarters and the upcoming recovery in activity. We believe this recession is likely to be very deep, but also short. Top Picks Globally lower-for-longer interest rates may increase the appeal of Ticker Rating CP (TL) TP (TL) Upside equities: We support the view that globally, super low interest rates may YKBNK Buy 2.15 3.00 39% remain long after the pandemic has passed, due to: i) households and firms being GARAN Buy 7.76 11.25 45% likely to save more to rebuild lost wealth and increase precautionary saving, and KCHOL Buy 14.90 21.30 43% ii) monetary authorities helping governments cope with the potential sharp rise KOZAL Buy 71.10 104.00 46% in debt to GDP ratios after the pandemic passes.
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Araştırma Makalesi/Research Article TÜRKİYE'deki KAMU SERMAYELİ
Trakya Üniversitesi Sosyal Bilimler Dergisi 325 Haziran 2019 Cilt 21 Sayı 1 (325-344) DOI: 10.26468/trakyasobed.505805 Araştırma Makalesi/Research Article TÜRKİYE’DEKİ KAMU SERMAYELİ MEVDUAT BANKALARININ KARŞILAŞTIRMALI FİNANSAL ANALİZİ VE TÜRKİYE VARLIK FONU AÇISINDAN DEĞERLENDİRİLMESİ* A COMPARATIVE FINANCIAL ANALYSIS OF PUBLIC DEPOSIT BANKS IN TURKEY AND EVALUATION IN TERMS OF TURKEY WEALTH FUND Başak OKTAY AKIN, Enver ERDİNÇ DİNÇSOY Geliş Tarihi: 31.12.2018 Kabul Tarihi: 27.03.2019 (Received) (Accepted) ÖZ: Finansal tablolar, bankaların taşıdıkları riskler, karlılıkları, likiditeleri ve verimlilikleri gibi çok geniş bir alanda bilgiler sağlayarak finansal performansın incelenmesine imkân sağlamaktadır. Bu çalışmada, Türkiye’deki kamu sermayeli mevduat bankalarının Türkiye Varlık Fonu’na (TVF) devredilmeden önceki finansal yapı ve faaliyet sonuçları analiz edilmiştir. Bu doğrultuda, 2010-2016 yıllarını kapsayacak şekilde Halkbank, Vakıfbank ve Ziraat Bankası’na ait finansal durum ve gelir tablolarının yatay, dikey ve oran analizleri yapılmıştır. Ayrıca oran analizinin bulguları Bankacılık Denetleme ve Düzenleme Kurumu (BDDK) bankacılık sektörü interaktif bülteninden alınan Türkiye ortalamaları ile karşılaştırılmıştır. Araştırma sonucunda, kamu bankalarının mevcut finansal yapılarıyla ve sahip oldukları potansiyeller ile fona finansal katkılar sağlayacağı görülmüştür. Ancak, aktif karlılık bakımından üç kamu bankasının da Türkiye ortalamasının altında kalması, finansal kaldıraç oranlarının yüksek olması ve takipteki alacakların nakit kredilere oranında Halkbank ve Vakıfbank’ın yüksek orana sahip olması dikkat edilmesi gereken hususlar olarak tespit edilmiştir. Anahtar Kelime: Kamu bankası, finansal analiz, Türkiye Varlık Fonu, Türkiye ABSTRACT: The financial reports give an opportunity for the analysis of the financial performance of the banks by providing information about the risks, profitability liquidity and efficiency. In this study, the public deposit banks in Turkey are intended to analyse before the term transferred to Turkey Wealth Fund (TWF).
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