Subeler cari hesabi biography summary

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To learn more, view our Privacy Policy. To browse Academia. ABSTRACT Banks, which are the most important institutions of the financial system and financial intermediation, work just like other commercial enterprises with the aim of increasing their profit and market value. All stakeholders, particularly shareholders expect from the bank management to reduce the cost of resources, increase the return on assets, increase the profitability at the end of the period and increase the market value of the bank.

It is essential that banks establish an effective asset and liability management function in order to achieve the targeted profitability. For this, first the income-expense structure should be well analyzed. In addition, market risk interest and exchange rate risks , credit risk, operational risks and other risk factors also require banks to establish an effective risk management function.

The funding sources used by banks are varied. These are time deposits, demand deposits, funding sources from interbank markets, securities issued, used loans and shareholders equity.

The Relationship Between Financial Performance and Existence of Members with Accounting or Audit Background in The Board of Directors.

However, it is easy to calculate the cost of the resources, because the cost of resources consists mainly of interest paid on deposits and other operational expenses. However, calculating the return on deposits is not equally easy. Collected resources are used in the financing of different assets, such as loans in different maturity and types, securities portfolio, subsidiaries etc.

At this stage, it is the most prudent model fund transfer pricing applied to determine the cost of resources, pricing of commercial products, analysis of performance, determination of operational expenses, establishment of bank strategies and evaluation of competitive structure in the market. Fund Transfer Pricing FTF is one of the most effective methods to measure the profitability performance of branches and other revenue generating units, to provide deposits and other resources in accordance with the bank policies, to evaluate loans and other assets in a risk-free and efficient manner, to pricing of deposits and loans and decision-making processes.

These subsidized loans can be introduced with a fixed interest rate or a zero interest rate, depending on the type of agricultural production and credit limits. Subsidized interest-free agricultural loans appeal to agricultural producers, whereby they are willing to benefit from these loans. However, banks collect various fees from their customers in return for the services they provide during the allocation of subsidized agricultural loans depending on their banking service charges and the commission tariffs applied, similar to in retail and commercial loan transactions.