Abstract
In this study, it is aimed to analyze the effect on the profitability of deposit banks operating in the Turkish banking sector between 2002Q4-2015Q2 using dynamic panel data methods. In working, profitability as a variable; two ratios were used: asset profitability and profitability over equity. According to the results of the analysis, the net interest margin has a significant effect on the net profitability of public and private banks. Non-interest income is equally effective in the active profitability of public and private banks and foreign banks. On the contrary, non-interest income is more dominant in public and private banks than in affecting equity profitability.
References
- Abreu, M. & Mendes, V. (2001). “Commercial Bank Interest Margins and Profitability: Evidence from Some EU Countries”. https://www.researchgate.net/profile/Margarida_Abreu/publication/237460076_COMMERCIAL_BANK_INTEREST_MARGINS_AND_PROFITABILITY_EVIDENCE_FOR_SOME_EU_COUNTRIES/links/541036590cf2f2b29a3f6c67/COMMERCIAL-BANK-INTEREST-MARGINS-AND-PROFITABILITY-EVIDENCE-FOR-SOME-EU-COUNTRIES.pdf, 04.102017.
- Atanasieff, T.S., Lhacer, P.M.V. & Nakane, M.I. (2002). “The Determinants of Bank Interest Spreads in Brazil”. Banco Central Do Brasil, Working Papers, (46), http://www.bcb.gov.br/pec/wps/ingl/wps46.pdf, 04.10.2017.
- Bashir, A.-H.M. (2001). “Assesing the Performance of Islamic Banks: Some Evidence from Middle East”. http://ecommons.luc.edu/cgi/viewcontent.cgi?article=1029&context=meea, 04.10.2017.
- Barajas, A.R.S. & Salazar, N. (1999), “Interest Spreads in Colombia: 1974-96”. IMF Staff Papers, 46(2), 196-224, https://www.imf.org/external/Pubs/FT/staffp/1999/06-99/pdf/barajas.pdf, 04.10.2017.
- Çoban, O. & Selcen, Ş. (2011). “Türkiye de Para Politikalarının Bankaların Karlılıkları Üzerine Etkisi”. Selçuk Üniversitesi İİBF Sosyal ve Ekonomik Araştırmalar Dergisi, 16(22), 335-350.
- Çoban, O., Yorgancılar F.N. & Kabaklarlı, E. (2015). “Testing The Effects of BRSA on Turkish Banking Sector By Malmquist Indeks: 1995-2010”. Nigde Üniversitesi İİBF Dergisi, 8(2), 121-141.
- Demirguc-Kunt, A. & Huizinga, H. (2000) “Financial Structure and Bank Profitability”. http://siteresources.worldbank.org/INTFR/Resources/475459-1108132178926/Kunt_Huizinga.pdf, 04.10.2017.
- Guru, B.K., Staunton, J. & Balashanmugam, B. (2000). “Determinants of Commercial Bank Profitability in Malaysia”. Asian Academy of Management Journal, 5(2), 1-22, http://web.usm.my/aamj/5.2.2000/5-2-1.pdf, 04.10.2017.
- Hausman, J. A. (1978). “Specification Tests in Econometrics”. Econometrica, 46(6), 1251-1271.
- Jiang, G., Tang N., Law, E. & Sze, A. (2003). “Determinants of Bank Profitability in Hong Kong”. http://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb200309/fa1.pdf, 04.10.2017.
- Molyneux, P. & Thornton, J. (1992). “Determinants of European Bank Profitability”. Journal of Banking and Finance, 16(6), 1173-1178.
- Naceur, B.S. (2003). “The Determinants of the Tunisian Banking Industry Profitability: Panel Evidence”. http://www.mafhoum.com/press6/174E11.pdf, 04.10.2017.
- Saunders, A. & L. Schumacher (2000).“The Determinants of Bank Interest Margins: An International Study”. Journal of International Money and Finance, 19(6), 813-832.
- Tunay, K.B. & Silpar, A.M. (2006). “Türk Ticari Bankacılık Sektöründe Karlılığa Dayalı Performans Analizi-I”. https://www.tbb.org.tr/Dosyalar/Arastirma_ve_Raporlar/TBB_2.pdf, 04.10.2017.
- TBB (The Banks Association of Turkey) (2015). “Banka ve Sektör Bilgileri”. https://www.tbb.org.tr/tr/banka-ve-sektor-bilgileri/veri-sorgulama-sistemi/60, 10.12.2015.
Abstract
Bu çalışmada 2002Q4-2015Q2 döneminde Türk
bankacılık sektöründe faaliyet gösteren mevduat
bankalarının kârlılığı üzerindeki etkisinin dinamik panel
veri yöntemleri kullanılarak incelenmesi amaçlanmıştır.
Çalışmada, bir değişken olarak kârlılık; varlık kârlılığı ve
özkaynak kârlılığı olmak üzere de iki oran kullanılmıştır:
Analizlerde kamu ve özel sermayeli bankaların yanı sıra
yabancı sermayeli bankalar dikkate alınmıştır. Analiz
sonuçlarına göre net faiz marjı kamu ve özel sermayeli
bankaların aktif kârlılığında önemli bir etkiye sahiptir.
Faiz dışı gelir kamu ve özel sermayeli bankalar ve
yabancı sermayeli bankaların aktif kârlılığında aynı
oranda etkilidir. Bunun aksine faiz dışı gelir özsermaye
kârlılığını etkilemede kamu ve özel sermayeli bankalarda
daha ağır basmaktadır
References
- Abreu, M. & Mendes, V. (2001). “Commercial Bank Interest Margins and Profitability: Evidence from Some EU Countries”. https://www.researchgate.net/profile/Margarida_Abreu/publication/237460076_COMMERCIAL_BANK_INTEREST_MARGINS_AND_PROFITABILITY_EVIDENCE_FOR_SOME_EU_COUNTRIES/links/541036590cf2f2b29a3f6c67/COMMERCIAL-BANK-INTEREST-MARGINS-AND-PROFITABILITY-EVIDENCE-FOR-SOME-EU-COUNTRIES.pdf, 04.102017.
- Atanasieff, T.S., Lhacer, P.M.V. & Nakane, M.I. (2002). “The Determinants of Bank Interest Spreads in Brazil”. Banco Central Do Brasil, Working Papers, (46), http://www.bcb.gov.br/pec/wps/ingl/wps46.pdf, 04.10.2017.
- Bashir, A.-H.M. (2001). “Assesing the Performance of Islamic Banks: Some Evidence from Middle East”. http://ecommons.luc.edu/cgi/viewcontent.cgi?article=1029&context=meea, 04.10.2017.
- Barajas, A.R.S. & Salazar, N. (1999), “Interest Spreads in Colombia: 1974-96”. IMF Staff Papers, 46(2), 196-224, https://www.imf.org/external/Pubs/FT/staffp/1999/06-99/pdf/barajas.pdf, 04.10.2017.
- Çoban, O. & Selcen, Ş. (2011). “Türkiye de Para Politikalarının Bankaların Karlılıkları Üzerine Etkisi”. Selçuk Üniversitesi İİBF Sosyal ve Ekonomik Araştırmalar Dergisi, 16(22), 335-350.
- Çoban, O., Yorgancılar F.N. & Kabaklarlı, E. (2015). “Testing The Effects of BRSA on Turkish Banking Sector By Malmquist Indeks: 1995-2010”. Nigde Üniversitesi İİBF Dergisi, 8(2), 121-141.
- Demirguc-Kunt, A. & Huizinga, H. (2000) “Financial Structure and Bank Profitability”. http://siteresources.worldbank.org/INTFR/Resources/475459-1108132178926/Kunt_Huizinga.pdf, 04.10.2017.
- Guru, B.K., Staunton, J. & Balashanmugam, B. (2000). “Determinants of Commercial Bank Profitability in Malaysia”. Asian Academy of Management Journal, 5(2), 1-22, http://web.usm.my/aamj/5.2.2000/5-2-1.pdf, 04.10.2017.
- Hausman, J. A. (1978). “Specification Tests in Econometrics”. Econometrica, 46(6), 1251-1271.
- Jiang, G., Tang N., Law, E. & Sze, A. (2003). “Determinants of Bank Profitability in Hong Kong”. http://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb200309/fa1.pdf, 04.10.2017.
- Molyneux, P. & Thornton, J. (1992). “Determinants of European Bank Profitability”. Journal of Banking and Finance, 16(6), 1173-1178.
- Naceur, B.S. (2003). “The Determinants of the Tunisian Banking Industry Profitability: Panel Evidence”. http://www.mafhoum.com/press6/174E11.pdf, 04.10.2017.
- Saunders, A. & L. Schumacher (2000).“The Determinants of Bank Interest Margins: An International Study”. Journal of International Money and Finance, 19(6), 813-832.
- Tunay, K.B. & Silpar, A.M. (2006). “Türk Ticari Bankacılık Sektöründe Karlılığa Dayalı Performans Analizi-I”. https://www.tbb.org.tr/Dosyalar/Arastirma_ve_Raporlar/TBB_2.pdf, 04.10.2017.
- TBB (The Banks Association of Turkey) (2015). “Banka ve Sektör Bilgileri”. https://www.tbb.org.tr/tr/banka-ve-sektor-bilgileri/veri-sorgulama-sistemi/60, 10.12.2015.
Details
| Primary Language | English |
|---|---|
| Journal Section | Articles |
| Authors | |
| Publication Date | December 29, 2018 |
| Published in Issue | Year 2018 Volume: 9 Issue: 18 |
KAUJEASF is the corporate journal of Kafkas University, Faculty of Economics and Administrative Sciences Journal Publishing.
2024 December issue article acceptance and evaluations are ongoing.