Faiz Oranı Değişimlerinin Banka Kârlılığı ve Kredi Büyümesine Etkisi: Türkiye’de Fiyat ve Miktar Araçlarının Ayrışması (2021–2026)

The Effect of Interest Rate Changes on Bank Profitability and Credit Growth: The Decoupling of Price and Quantity Instruments in Türkiye (2021–2026). This working paper examines policy interest rates, bank profitability and credit growth using published aggregate data from the banking regulator, central bank, TurkStat and the Banks Association of Türkiye. It discusses nominal versus real profitability, repricing through maturity mismatches, and the interaction of interest rates with regulatory credit-growth constraints. The analysis distinguishes regulatory ceilings from observed aggregate credit growth. Turkish manuscript. JEL E52, E58, G21, G28. Original Turkish version: https://doi.org/10.5281/zenodo.22852342. English SSRN version: https://doi.org/10.2139/ssrn.7638938.