DOIONLINE

DOIONLINE NO - IJMAS-IRAJ-DOIONLINE-5785

Publish In
International Journal of Management and Applied Science (IJMAS)-IJMAS
Journal Home
Volume Issue
Issue
Volume-2,Issue-9  ( Sep, 2016 )
Paper Title
Monitoring Loan-to-Deposit Ratios (LTD) of Aegean Region by Quality Control Charts
Author Name
Mediha Mine Celikkol, Sermin Elevli
Affilition
1 Dumlupınar University, Vocational School of Social Sciences, Dep. of Finance-Banking and Insurance, Kütahya, Turkey Ondokuz Mayıs University, Engineering Faculty, Industrial Engineering Department, Samsun, Turkey
Pages
6-10
Abstract
`Banks within economic system and performing a bridge between sectors having surplus fund with sectors that need fund are one of the most important organizations in the development of financial markets. Loans granted to businesses and individuals by banks play an important role in the revival of domestic demand and investment financing. What proportion of deposits collected could be converted to loans is one of the important indicators that revealed the efficiency of the banking system. In this study, the period 1993-2014 annual data related to loan-to-deposit ratio in the 8 cities located in the Aegean Region in Turkey were analyzed by using quality control charts. According to the result of the analysis, it is understood that loan/deposit ratios did not show statistical stability and had an increasing trend for all cities surveyed. Furthermore, it is identified that deposit could not fund the loanexcept for “Uşak” and “Muğla”, the growth of loans were much than the growth of deposits in the cities. These findings suggest that the liquidity situation of banks are likely to be adversely affected in case of there is a disruption in the collection of loans. Keywords— Banks, Loan to Deposit Ratio, Control Charts.
  View Paper