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%
|
