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Developed and many developing countries have experienced spectacular progress in financial services though there have been a number of painful crises both in real and financial sectors, particularly in some emerging market economies in recent years. While the banking sector is crucial to an efficient allocation of resources and hence to economic growth, Turkey’s performance in this regard is far from satisfactory. Following severe economic crises in recent years, the Banking Sector Restructuring Program was introduced to create a strong banking sector. Although important milestones have been achieved so far, there is still a need for further progress.

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Engin Akçakoca
Engin Akçakoca
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Yapı Kredi
Foreword After the violent dissolution of the former Yugoslavia in the 1990s, there had been a shared sense of hope for a more peaceful future for the European continent. Unfortunately, this comfortability disappeared after Russian President Vladimir Putin ordered his troops to march against the Ukrainian forces throughout the border on 24 February 2022. This marked a turning point not only for the region...
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