The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance
Abdulmuttalip PilatinThe aim of this study is to examine the effect of the educational qualifications of bank personnel on Turkish banks. Within the scope of the study, based on the annual data of 21 banks operating in Turkey during the 2004-2019 period. The factors affecting the non-performing loans of banks have been examined with static panel data analysis methods over five different models. A random effects method was used in the analysis. The results show that Non-Performing Loans and Loan Loss Provisions, which are the credit risk indicators of the bank, decreased with the increase in the ratio of personnel with postgraduate education, which is used as a human capital indicator for banks. It reveals that investment in postgraduate personnel reduces the credit risk of banks by less than 1% and at a level of 5% significance. These results were also corroborated by a sensitivity analysis. However, it has been determined that the level of postgraduate education, which is used as a human capital indicator of banks, does not have a significant relationship with the Z-Score, which is an indicator of bankruptcy risk, and Asset on Equity and Return on Equity, which is an indicator of profitability.
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APA
Pilatin, A. (2023). The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance. Istanbul Business Research, 52(2), 407-436. https://doi.org/10.26650/ibr.2023.52.1109060
AMA
Pilatin A. The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance. Istanbul Business Research. 2023;52(2):407-436. https://doi.org/10.26650/ibr.2023.52.1109060
ABNT
Pilatin, A. The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance. Istanbul Business Research, [Publisher Location], v. 52, n. 2, p. 407-436, 2023.
Chicago: Author-Date Style
Pilatin, Abdulmuttalip,. 2023. “The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance.” Istanbul Business Research 52, no. 2: 407-436. https://doi.org/10.26650/ibr.2023.52.1109060
Chicago: Humanities Style
Pilatin, Abdulmuttalip,. “The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance.” Istanbul Business Research 52, no. 2 (Oct. 2024): 407-436. https://doi.org/10.26650/ibr.2023.52.1109060
Harvard: Australian Style
Pilatin, A 2023, 'The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance', Istanbul Business Research, vol. 52, no. 2, pp. 407-436, viewed 11 Oct. 2024, https://doi.org/10.26650/ibr.2023.52.1109060
Harvard: Author-Date Style
Pilatin, A. (2023) ‘The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance’, Istanbul Business Research, 52(2), pp. 407-436. https://doi.org/10.26650/ibr.2023.52.1109060 (11 Oct. 2024).
MLA
Pilatin, Abdulmuttalip,. “The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance.” Istanbul Business Research, vol. 52, no. 2, 2023, pp. 407-436. [Database Container], https://doi.org/10.26650/ibr.2023.52.1109060
Vancouver
Pilatin A. The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance. Istanbul Business Research [Internet]. 11 Oct. 2024 [cited 11 Oct. 2024];52(2):407-436. Available from: https://doi.org/10.26650/ibr.2023.52.1109060 doi: 10.26650/ibr.2023.52.1109060
ISNAD
Pilatin, Abdulmuttalip. “The Effect of Bank Employees with a Postgraduate Education Level on Credit Risk and Financial Performance”. Istanbul Business Research 52/2 (Oct. 2024): 407-436. https://doi.org/10.26650/ibr.2023.52.1109060