THE PARTICIPATION BANKS ASSOCIATION OF TURKEY STATISTICAL APPLICATIONS IN PARTICIPATION BANKING SECTOR Aydın YABANLI, TKBB SESRIC-IDB TCE Meeting on IBFStat, Ankara, March 25/26, 2014
THE BANKING SYSTEM OF TURKEY Participation Banks (Islamic Banks) Deposit Banks (Conventional Banks) Banking System Development and Investment Banks
INTEREST-FREE BANKİNG REGULATORY ENVİRONMENT § There is no separate regulation regarding participation banking. The Banking Law nr. 5411, however, distinguishes deposit and participation banking. § Regulations governing fund collection and fund utilization are different between these two types of banks. § Minor differences in accounting methods. I. e. Accounting areas. § The law taking into account, the nature of the profit and loss participation accounts, also allows for a slightly different calculation method for Capital Adequacy Ratio for participation banks.
MAIN INSTRUMENTS OF PBs § DEPOSITS SIDE SPECIAL CURRENT ACCOUNTS (25%) (DEMAND ACCOUNTS) PROFIT / LOSS PARTICIPATION ACCOUNTS (75%) (TIME DEPOSIT ACCOUNTS) MUDARABA ORIGINATED LABOUR – PBs CAPITAL - DEPOSITORS § LOANS SIDE DOMINANTLY MURABAHA (90%) PBs buy the commodity which the customer need, and sell it to the customer afterwards.
SOME INDICATORS OF PBs.
SOME INDICATORS OF PBs.
PRESENT CIRCUMSTANCE IN SECTOR STATISTICS § 2005 and following periods statistics of the sector are generally available on web sites of PBs and BDDK, the auditing state institution. § Main source is PBs Auditing Reports which have been prepared in four quarters within 45 days (75 days for the year -ends) § PBs report to BDDK, TCMB, and Finance Ministry periodically. On the other hand, i. e. Leasing financials are sent the Union of Leasing, Factoring and Financing Institutions.
INTERACTIVE DATABASE ON TKBB WEB / tkbb. org. tr § Yet Turkish. Will be improved for English. (20152016) § Year, Period, Type of Data (Income break-downs, credits, deposits, ratios…etc. ) and Displaying Modes: as per Banks, as sector, . . § Being improved to be interactive to produce new series. (2015 -2016) § Available from 2010 data.
AUDITING REPORTS ON PBs WEB § English versions are available. § All financials including assets, liabilities, Income statements, ratios, . . are available. § The explanations of breakdowns are ready to standardise indicators for globally. Guiding the principles. § Quarterly available.
BDDK Statistical Reports § Available from 2005 for PBs. § Deposits and Tenors, Type classification § Credits and utilized areas § Ratios of profitability, assets quality, . . § Monthly prepared.
INDICATORS / Quarterly
INDICATORS / Quarterly (continued)
SUMMARY §TKBB Support §Referring BDDK §Member Banks oriented Data Base §TUIK (NSO) Effect §Recommendations
Thank you…
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