Banks ? interest income and expence analysis and sample application

In developing countries because financial institutions are not well developed banking sector plays a very important role in the financial system, Banking sectors main roles today are, to be a mediator, provide fluidity for sources, to improve use of sources, bring fund which are small and short-term to big and long-term funds.The unstable situation of the political trend in the last years played a great role in the interest rates, profit margins and rivalry (competition) in the market this situation brought dysfunctional situations in the system. To reduce the effects of the situation, to calculate the cost of the sources and to have a pricing strategy is obligatory.To understand the basic concepts, comparison between calculations of cost resource and used revenue should be done and in first part of this thesis the aim is to come up with results taking these calculations in to consideration; the data information is provided by practical and the theoretical means, basic concepts of the management to use of resources, the law, cost of the recourses, the cost of use of the source and management cost are discussed in the first part. In the second part, a district is taken as a sample and an optimization technics is used with a sample in practice is applied. In the third part the optimization technics fort he use of resource are used for a bank as a sample, in district and in the data taken from a central branch of the bank as a example the values gave the goal of the thesis which is to have new strategies for more profitable and productive banks with the new methods.Key Words:1.Deposit2.Advisor3.Credit4.Sector5.State