Türkiye’de Kurulan Yabancı Sermayeli Mevduat Bankalarının Finansal Performans Analizi: CRITIC ve MARCOS Metodu
Financial Performance Analysis of Foreign Capital Deposit Banks Established in Türkiye: CRITIC and MARCOS Method

Summary/Abstract: The aim of this study is to analyse the financial performance of foreign capital deposit banks established in Türkiye in the 2021-2023 time period. In the study, eight evaluation criteria determined from the literature were used and analyses were performed with CRITIC and MARCOS methods from Multi-Criteria Decision-Making Techniques. According to the results of CRITIC analysis; the evaluation criterion that affects the performance the most is determined as the Interest Income / Total Revenues Ratio in all three periods. The least influential criteria were found to be the Interest Expenses / Total Expenses Ratio in 2023 and 2021, and the Capital Adequacy Ratio in 2022. According to MARCOS performance results, the most successful banks in all three years were Garanti BBVA and Rabobank, respectively. The banks with the lowest average performance are Turkland Bank, Odea Bank and ING Bank. The findings indicate that the performance of foreign capitalised banks in Türkiye is directly related to their internal management strategies. To ensure sustained performance, it is recommended that banks should reduce their dependence on interest income and increase commission income such as digital services and investment products.

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