Turkey Banking Sector Forecast to 2012

When all the major economies of the world were reeling under the pressure of financial crisis, the banking industry in Turkey continued its grow track in 2009 as well as 2010. Foreign participation also increased during the same period. Besides, Turkey has shown a substantial progress in the banking sector during the past few years. The share of loans in banking industry assets has been growing every year. With the declining interest rate, banks have been rearranging their assets from the financing of the government debt to provide loans to consumers and businesses.

According to our report “Turkey Banking Sector Forecast to 2012”, Turkish banks have significantly intensified their lending activity during the past few years. Credit provided to the corporate segment contributes the majority of bank loans. However, personal loans are also experiencing rapid expansion on account of changing consumption pattern (relying more on credit purchase) and continuous expansion of banking services into retail segment.

In the coming years, the pace of growth in credit volume will be dependent on the development in the international markets and therefore, on banks’ liquidity preferences. At the domestic front, retail consumers will continue to drive the credit disbursal and interest-based income of banks in coming years.

As per our research, Turkish banks have not only seen growth in lending activities, but have also witnessed reckonable growth in the deposits on the system due to rising consumer confidence. With rapid expansion in household and corporate sector deposits, the country is expected to witness a thriving influx of deposits during the forecast period. Time and saving deposits will account for majority of the growth.

Besides, we have analyzed the pattern of macroeconomic variables and their impact on the banking sector of the country. Our report has also identified emerging industry trends, which will decide the future of the banking sector in Turkey and the key players in the country’s banking system along with their detail business description and recent activities.

Our report “Turkey Banking Sector Forecast to 2012”, provides extensive research and rational analysis on the Turkish banking industry. Forecasts for key banking segments, such as loans, deposits etc have also been presented to provide a better understanding of the banking sector in the country.
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1. Analyst View
2. Macroeconomic Analysis
2.1 Economic Growth
2.2 Demographic Profile
2.3 Mortgage Rates
3. Banking Industry Overview
4. Key Performance Indicators through 2014
4.1 Loans Market Analysis
4.1.1 Loans by Type
4.1.1.1 Personal Loans
4.1.1.2 Corporate Loans
4.1.1.3 SME Loans
4.2 Bank Deposits Analysis
4.2.1 Deposits by Type
4.2.1.1 Demand Deposits
4.2.1.2 Time Deposits
4.3 Profitability Analysis
4.4 Payment System Analysis
4.4.1 Bank Cards
4.4.1.1 Credit Cards
4.4.1.2 Debit Cards
4.4.2 ATMs & POS Terminals
5. Islamic Banking
6. Industry Trends and Drivers
6.1 Modern Banking Technology
6.2 Potential in Mortgage Financing
6.3 Growing Interest Income
6.4 Growing Automobile Market
7. Regulatory Developments
8. Key Players
8.1 Ziraat Bank Inc.
8.1.1 Business Description
8.1.2 Recent Developments
8.2 GarantiBank
8.2.1 Business Description
8.2.2 Recent Developments
8.3 Yapı Kredi
8.3.1 Business Description
8.3.2 Recent Developments
8.4 Akbank
8.4.1 Business Description
8.4.2 Recent Developments
8.5 İş Bankasi
8.5.1 Business Description
8.5.2 Recent Developments
8.6 Turkiye Vakiflar Bankasi T.A.O.
8.6.1 Business Description
8.6.2 Recent Developments

List of Figures:

Figure 2-1: Real GDP Growth (%), 2009-2014
Figure 2-2: Consumer Price Inflation (%), 2009-2012
Figure 2-3: Share of Young Population in Total Population (2010)
Figure 2-4: Young Population (Million), 2009-2014
Figure 2-5: Lending Interest Rate (%), 2009-2014
Figure 3-1: Banking Assets (Billion TRY), 2009-2014
Figure 3-2: Bank Assets by Type (%), 2010
Figure 3-3: Bank Assets by Type of Bank (%), 2010
Figure 4-1: Bank Loans (Billion TRY), 2009-2014
Figure 4-2: Bank Loans by Currency (%), 2010
Figure 4-3: Bank Loans by Maturity (%), 2010
Figure 4-4: Bank Loans by Type (%), 2010
Figure 4-5: Personal Loans (Billion TRY), 2009-2014
Figure 4-6: Personal Loans by Type (%), 2009
Figure 4-7: Corporate Loans (Billion TRY), 2009-2014
Figure 4-8: SME Loans (Billion TRY), 2009-2014
Figure 4-9: Deposits with Banks (Billion TRY), 2009-2014
Figure 4-10: Deposits with Banks by Currency (%), 2009
Figure 4-11: Deposits with Banks by Type (%), 2010
Figure 4-12: Demand Deposits with Banks (Billion TRY), 2009-2011
Figure 4-13: Time Deposits with Banks (Billion TRY), 2009-2011
Figure 4-14: Net Profit of Banks (Billion TRY), 2008-2010
Figure 4-15: Number of Credit Cards (Million), 2008-2010
Figure 4-16: Number of Debit Cards (Million), 2008-2010
Figure 4-17: Number of ATMs (‘000), 2008-2010
Figure 4-18: Number of POS Terminals (Million), 2008-2010
Figure 5-1: Participation Bank Assets (Billion TRY), 2009-2014
Figure 5-2: Participation Bank Loans (Billion TRY), 2009-2014
Figure 5-3: Participation Bank Deposits (Billion TRY), 2009-2014
Figure 6-1: Number of Internet Users (Million), 2009-2014
Figure 6-2: Number of Mobile Subscribers (Million), 2009-2014
Figure 6-3: Mortgage Loans (Billion TRY), 2008-2010
Figure 6-4: Net Interest Income of Banks (Billion US$), 2008-2010
Figure 6-5: Automobile Sales (Million), 2009-2014

List of Tables:

Table 3-1: Banking Industry Structure (2007-2010)
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