International Conference on Economic and Social Studies, 10-11 May, 2013, International Burch University, Sarajevo

Funds Utilized, 2007-2012

Increase rate of loan-fund utilization from the end of 2007 to the end of 2012 of participation banks higher than deposit bank’s rate. They are 226% and 166^**% respectively.

Bank Asya is the leading participation bank with an amount of 16.1 billion Turkish Lira; In terms of funds utilized as the end of 2012. Türkiye Finans, Kuveyt Türk and Albaraka Türk follow Bank Asya respectively. It is seen that Bank Asya has the highest average increase rate for last six years. The second performance is belonging to Kuveyt Türk.

Table 9/a Funds Utilized by Participation Banks 2007-2012 (1000TL)

END OF YEAR	ALBARAKA TÜRK	BANK ASYA	KUVEYT TÜRK	TÜRKİYE FİNANS	TOTAL SUM
Average 2007-2012	5.644.337	9.871.255	6.916.123	8.092.604	30.524.319
2012	9.075.183	16.085.168	11.848.419	12.971.058	49.979.828
2011	7.273.906	13.141.380	10.360.917	10.327.232	41.103.435
2010	6.269.485	10.916.732	6.984.989	7.913.437	32.084.643
2009	4.675.617	8.221.427	4.904.932	7.109.233	24.911.209
2008	3.716.977	6.253.160	4.237.341	5.526.380	19.733.858
2007	2.854.852	4.609.665	3.160.138	4.708.285	15.332.940

Table 9/b Increase Rate from Previous Year at Funds Utilized by Participation Banks 2007-2012

END OF YEAR	ALBARAKA TÜRK	BANK ASYA	KUVEYT TÜRK	TÜRKİYE FİNANS	Increase Rate From Prev.Year Total Sum
Average 2007-2012	28%	37%	36%	23%	26%
2012	16%	48%	28%	0%	0%
2011	16%	20%	48%	31%	28%
2010	34%	33%	42%	11%	29%
2009	26%	31%	16%	29%	26%
2008	30%	36%	34%	17%	29%
2007	44%	51%	47%	49%	46%

Source: Collected from data provided by (BAT, The Bank Association of Turkey, 2011) (BAT, The Bank Association of Turkey, 2012-2013) (PBAT, The Participation Banks Association of Turkey, 2012-2013).