Title of thesis: Basel - 2 credit risk management criteria, in their effect on banking

Credit risk management to enable it to emerge, who the Basel II criteria, the basic objective of the banks capital adequacy ratios carry risk and that the risks are managed skills at risk by taking the measurement and thus risk their good management of the banks a lower capital ratio and prizes and risks managed well can not bank more by providing high-capital ratio to work with, banks will face losses due to poor risk management has enough capital to ensure, so you have to protect their savings and financial stability to the market.In the study, the Basel II criteria for credit risk management, impact of Turkey under the measure with the aim of Basel II criteria, the final version published in 2004 in the wake of Turkey?s banks? total loans in the follow-up loans and capital adequacy ratio of the changes in followed by Turkey?s criteria ready whether justice has been discussed.In this context, the 2009 Union Bank of Turkey was published in June, the ?Banking System in Turkey from 2001 to 2008 Selected Ratios? named in the report were used. The number of banks in Turkey although more than 22 of the 22 have been selected for the reason given in the report of a portion of rates to be zero in all years and the lack of a part. Also included in the survey taken in 2008 note because of the before and after 2004 the same number of years and consequently, the purpose of addressing the data prior to 2001 is not reached.In the context, the Turkish banking sector 22 of the bank in 2001 and 2007 between the ratios within the total loans in the performing loans ratio and capital adequacy ratio to benefit from the SPSS environment T-Test analysis was conducted. Banks Association of Turkey within the scope of analysis, all data were obtained from the official web site.Analysis is performed according to the size of the bank, depending on whether the foreign partner, depending on whether public or private banks and public banks to be subjected discrimination according to the state was four.As a result of the Basel II Capital Accord implementation in Turkey about the positive aspects of preparation and follow-up was found to go in a significant decrease in the loan to reduce the importance of capital adequacy of flattening it has been tried. Because no significant decrease in the loans under follow-up reduced the importance of capital adequacy.