Effect of Credit Risk on Financial Performance of Deposit Banks in the BIST Bank Index; [Kredı̇ Rı̇skı̇ nı̇ n BIST Banka Endeksı̇ ndekı̇ Mevduat Bankalarının Fı̇ nansal Performansına Etkı̇sı̇ 2]

This study analyses the relationship between credit risk and the financial performance of nine Turkish deposit banks listed on Borsa Istanbul (BIST) from 2010 to 2021. Using panel data, it employs profitability ratios (ROA, ROE, NIM) as performance indicators, and various credit risk metrics (NLTA, NPL, TLTD, CAR) as explanatory variables. GDP growth and inflation are included as control variables. The credit risk rankings identified ICBC Turkey Bank A.Ş. as having the lowest credit risk and Şeker Bank A.Ş. as the highest, using the WASPAS multi-criteria decision-making technique.