Head-Module Title: Participation Bank in Turkey
I. Personnel and Branch Structure of Participation Banks in Turkey
Growth of Branch Numbers. As of the end of 2012, the number of deposit banks founded in Turkey is 32. While 3 of them are based on public capital, 12 of them are based on domestic private capital, and 16 of them are based on foreign private capital, 1 of them belongs to SIDF. Additionally, there are 13 development and investment banks founded in Turkey. When we take also 4 participation banks into consideration, it is seen that the number of banks in Turkey reaches to 49.
The number of branches of deposit banks was 7.570 in 2007, and reached to 10.234 with an increase of 35,2 %as of the end of 2012. The number of branches of participation banks was 422 in 2007, and reached to 828 with an increase of 96,2 %as of the end of 2012.
3 public banks and 1 SIDF bank excluded, each of 28 private deposit banks has average 254 branches, and each of 4 participation banks has average 207 branches. Looking at the growth rates of the number of their branches from 2007 to 2012, it is seen that the growth rate of branches of participation banks is almost three times more than deposit banks. The table below shows the position of participation banks within themselves.
Table-1: Growth of Branch Numbers, 2007-2012
END OF YEAR
ALBARAKA TÜRK
BANK ASYA
KUVEYT TÜRK
TÜRKİYE FİNANS
TOTAL SUM
Average 2007-2012
108
174
144
179
605
2012
137
250
221
220
828
2011
123
200
180
182
685
2010
109
175
141
182
607
2009
101
158
121
180
560
2008
100
143
113
174
530
2007
80
118
87
137
422
Table-1/b: Increase Rate from Previous Year at Branch Numbers, 2007-2012
END OF YEAR
ALBARAKA TÜRK
BANK ASYA
KUVEYT TÜRK
TÜRKİYE FİNANS
Increase Rate From Prev.Year Total Sum
Average 2007-2012
14%
19%
19%
11%
15%
2012
11%
25%
23%
21%
21%
2011
13%
14%
28%
0%
13%
2010
8%
11%
17%
1%
8%
2009
1%
10%
7%
3%
6%
2008
25%
21%
30%
27%
26%
2007
27%
30%
10%
12%
19%
Source: Collected from data provided by (BAT, The Bank Association of Turkey, 2011) (BAT, The Bank Association of Turkey, 2012-13) (PBAT, The Participation Banks Association of Turkey, 2012-13).
Growth of Personnel Number
As of the end of 2012, totally, 201.454 employees are employed in the banking sector in Turkey. Personnel number of deposit banks was 153.212 in 2007, and reached to 181.197 with an increase of 18,3 % as of the end of 2012. The number of personnel of participation banks was 9.215 in 2007, and reached to 15.356 with an increase of 66,4 % as of the end of 2012. Looking at the growth rates of the number of their personnel from 2007 to 2012, it is seen that the growth rate of personnel of participation banks is almost four times more than deposit banks
Table-2: Employment in the Banking Sector, 2007-2012
2007
2008
2009
2010
2011
2012
Participation Banks
9.215
11.032
11.802
12.703
13.857
15.356
Deposit banks
153.212
166.325
167.063
173.133
176.576
181.197
>Public banks
41.056
43.333
44.856
47.235
50.239
51.587
>Private banks
75.124
82.158
82.270
83.633
89.047
90.612
>Fund banks
325
267
261
252
243
226
>Foreign banks
36.707
40.567
39.676
42.013
37.047
38.772
Development and investment banks
5.322
5.273
5.339
5.370
4.842
4.901
Total
172.391
182.630
184.204
191.206
195.275
201.454
Source: Collected from data provided by (BAT, The Bank Association of Turkey, 2011) (BAT, The Bank Association of Turkey, 201213) (PBAT, The Participation Banks Association of Turkey, 2012-13).
As of the end of 2012 (December 2012), the average personnel number for branch in participation banks is as follows:
Bank
Total Personnel No./Branch No.
Average Personnel No. for Branch 2011
Average Personnel No. for Branch 2012
Albaraka Türk
2012(2.758/137)
21,1
20,1
Bank Asya
2012(5.064/250)
22,7
20,3
Kuveyt Türk
2012(3.939/221)
18,5
17,8
Türkiye Finans
2012(3.595/220)
18,6
16,3
Total Sum
2012(15.356/828)
20,2
18,5
Deposit Banks
2012(181.197/10.192)
18,0
17,8
Actually, Bank Asya Participation Bank has the biggest personnel number and average personnel number. Apart from Bank Asya, Albaraka’s average is high. In deposit banks, average personnel number reached by dividing the total personnel number to the branch number is 18 in the end of 2011. The same average is 20,2 in participation banks. This means that participation banks employ 12 % more employees for branch than deposit banks for 2011. But both of them is equal almost in the end of 2012. The average personal decreased in the end 2012 for participation banks. Rapidly increase in the brunch number seems the cause of the decrease for average brunch personnel number.
Table- 3/a: Growth of Personnel Number (Participation Banks), 2007-2012
END OF YEAR
ALBARAKA TÜRK
BANK ASYA
KUVEYT TÜRK
TÜRKİYE FİNANS
TOTAL SUM
Average 2007-2012
2.124
4.181
2.767
3.254
12.326
2012
2.758
5.064
3.939
3.595
15.356
2011
2.601
4.548
3.326
3.382
13.857
2010
2.175
4.266
2.850
3.403
12.694
2009
1.935
4.074
2.447
3.346
11.802
2008
1.796
3.806
2.245
3.185
11.032
2007
1.481
3.329
1.794
2.611
9.215
Source: Collected from data provided by (BAT, The Bank Association of Turkey, 2011) (BAT, The Bank Association of Turkey, 2012-13) (PBAT, The Participation Banks Association of Turkey, 2012-13).
Table-3/b: Increase Rate from Previous Year at Personnel Number (Participation Banks), 2007-2012
END OF YEAR
ALBARAKA TÜRK
BANK ASYA
KUVEYT TÜRK
TÜRKİYE FİNANS
Increase Rate From Prev.Year Total Sum
Average2007-2012
16%
14%
19%
9%
14%
2012
6%
11%
18%
6%
11%
2011
20%
7%
17%
-1%
9%
2010
12%
5%
16%
2%
8%
2009
8%
7%
9%
5%
7%
2008
21%
14%
25%
22%
20%
2007
28%
40%
29%
19%
30%
