Araştırma Makalesi
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TÜRKİYE’DE BANKACILIK SEKTÖRÜNÜN KARLILIĞININ BELİRLEYİCİLERİ

Yıl 2022, Cilt: 23 Sayı: 1, 243 - 254, 28.01.2022
https://doi.org/10.31671/doujournal.1034488

Öz

Her ekonomi için bankacılık sistemi yaşamsal öneme sahip bir bileşen olduğundan, bankacılık kârı da küresel düzeyde öneme sahiptir ve yatırımcılar ile düzenleyici yapılar gibi bir çok tarafın ilgisini çekmektedir. Bu çalışmanın amacı, 2004 ve 2017 arasındaki Türkiye’deki bankaların yıllık raporlarını kullanarak Türk bankalarının karlılığı üzerinde etkili unsurlara ışık tutmaktır. Genel olarak, kredi riski, fonlama maliyetleri ve gayrisafi yurtiçi hasıla büyümesinin tüm banka çeşitlerinin karlılığında anlamlı pozitif, operasyon maliyetlerinin ise negatif etki ettiği görülmüştür. Likidite düşüklüğü, fonlama maliyeti ve GSYH büyümesi özel ve yabancı bankalar için pozitif etkiye sahipken, operasyon maliyetinin etkisi negatif olarak bulunmuştur; bu durum devlet bankaları için geçerli değildir. İşgücü üretkenliği ise yabancı bankaların karlılığını pozitif yönde etkilerken, büyük ve özel bankalar için negatif yönde etki bulunmuştur. Bulgular bankacılık ve finans sistemine ilişkin önemli politika önerileri ortaya koymuştur.

Kaynakça

  • Aburime, T. (2008). Determinants of bank profitability: Company-level evidence from Nigeria. Available at SSRN 1106825.
  • Abreu, M., & Mendes, V. (2003). Do macro-financial variables matter for European bank interest margins and profitability?. Paper presented at EcoMod Network Conference, Istanbul.
  • Athanasoglou, P. P., Brissimis, S. N., Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
  • Ayadi, N., and Boujelbene, Y. (2012). The determinants of the profitability of the Tunisian deposit banks. IBIMA Business Review, 2012, 1-21. doi: 10.5171/2012.165418
  • Demirgüç-Kunt, A., and Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: some international evidence. The World Bank Economic Review, 13(2), 379-408.
  • Derbali, A. (2021). Determinants of the performance of Moroccan banks. Journal of Business and Socio-economic Development, 1(1), 102-117.
  • Dietrich, A., and Wanzenried, G. (2011). Determinants of bank profitability before and during the crisis: Evidence from Switzerland. Journal of International Financial Markets, Institutions and Money, 21(3), 307-327.
  • Fitch Ratings. (2021). Turkish banks' profits face added pressure from rate rise. Access address: https://www.fitchratings.com/research/banks/turkish-banks-profits-face-added-pressure-from-rate-rise-19-03-2021
  • Gul, S., Irshad, F., & Zaman, K. (2011). Factors affecting bank profitability in Pakistan. Romanian Economic Journal, 14(39), 61-87.
  • Hirindu, K., and Panditharathna, K. (2017). The factors effecting on bank profitability. International Journal of Scientific and Research Publications, 7(2), 212-216.
  • Kadioglu, E., Telceken, N., Ocal, N. (2017). Effect of the asset quality on the bank profitability. International Journal of Economics and Finance, 9(7), 60-68.
  • Katırcıoglu, S., Ozatac, N., & Taspınar, N. (2020). The role of oil prices, growth and inflation in bank profitability. The Service Industries Journal, 40(7-8), 565-584.
  • Le, T. D., & Ngo, T. (2020). The determinants of bank profitability: A cross-country analysis. Central Bank Review, 20(2), 65-73.
  • Naceur, S. B., and Goaied, M. (2001). The determinants of the Tunisian deposit banks' performance. Applied Financial Economics, 11(3), 317-319.
  • Okuyan, H. A. and Karataş, Y. (2017). Türk Bankacılık Sektörünün Kârlılık Analizi̇ (Profitability Analysis of Turkish Banking Sector). Ege Academic Review, 17(3), 395-406.
  • Ozgur, O., and Gorus, M. S. (2016). Determinants of deposit bank profitability: evidence from Turkey. Journal of Applied Economics and Business Research, 6(3), 218-231.
  • Prasanto, O., Wulandari, D., Narmaditya, B. S., & Kamaludin, M. (2020). Determinants of bank profitability: A new evidence from state-owned banks in Indonesia. Trikonomika, 19(1), 29-35.
  • Sahyouni, A., and Wang, M. (2018). The determinants of bank profitability: does liquidity creation matter?. Journal of Economics and Financial Analysis, 2(2), 61-85.
  • Saif-Alyousfi, A. Y. (2020). Determinants of bank profitability: evidence from 47 Asian countries. Journal of Economic Studies, 49(1), 44-60.
  • Sinha, P., and Sharma, S. (2016). Determinants of bank profits and its persistence in Indian Banks: a study in a dynamic panel data framework. International Journal of System Assurance Engineering and Management, 7(1), 35-46.
  • Taskın, F. D. (2011). Türkiye’de ticari bankaların performansını etkileyen faktörler. Ege Akademik Bakış, 11(2), 289-298.
  • The Banks Association of Turkey. (2021). Bankacılık Sisteminde Banka, Çalışan ve Şube Sayıları. Access address: https://www.tbb.org.tr/Content/Upload/-istatistikiraporlar/ekler/3681/Banka_Calisan_ve_Sube_Bilgileri_Eylul_2021.pdf
  • Yao, H., Haris, M., and Tariq, G. (2018). Profitability determinants of financial institutions: evidence from banks in Pakistan. International Journal of Financial Studies, 6(2), 53.

DETERMINANTS OF THE PROFITABILITY OF BANKING SECTOR IN TURKEY

Yıl 2022, Cilt: 23 Sayı: 1, 243 - 254, 28.01.2022
https://doi.org/10.31671/doujournal.1034488

Öz

The profitability of banks is an important subject around the world, since the banking system is a vital component in any economy, thus interests many parties including investors and regulatory bodies. This study aims to shed light to the factors that affect the profitability of banks in Turkey across bank types using the annual data for the banks in Turkey between 2004 and 2017. Overall, credit riskiness, funding cost and GDP growth has a positive effect and operating cost has a negative effect on bank profitability. Higher illiquidity, funding cost and operating cost significantly positively affects profitability for large, private and foreign banks but not for state banks. Labor productivity however, while significantly positively affects profitability for foreign banks, it has a negative effect on profitability for large and private banks. The findings suggest important regulatory suggestions for the banking and finance system.

Kaynakça

  • Aburime, T. (2008). Determinants of bank profitability: Company-level evidence from Nigeria. Available at SSRN 1106825.
  • Abreu, M., & Mendes, V. (2003). Do macro-financial variables matter for European bank interest margins and profitability?. Paper presented at EcoMod Network Conference, Istanbul.
  • Athanasoglou, P. P., Brissimis, S. N., Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.
  • Ayadi, N., and Boujelbene, Y. (2012). The determinants of the profitability of the Tunisian deposit banks. IBIMA Business Review, 2012, 1-21. doi: 10.5171/2012.165418
  • Demirgüç-Kunt, A., and Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: some international evidence. The World Bank Economic Review, 13(2), 379-408.
  • Derbali, A. (2021). Determinants of the performance of Moroccan banks. Journal of Business and Socio-economic Development, 1(1), 102-117.
  • Dietrich, A., and Wanzenried, G. (2011). Determinants of bank profitability before and during the crisis: Evidence from Switzerland. Journal of International Financial Markets, Institutions and Money, 21(3), 307-327.
  • Fitch Ratings. (2021). Turkish banks' profits face added pressure from rate rise. Access address: https://www.fitchratings.com/research/banks/turkish-banks-profits-face-added-pressure-from-rate-rise-19-03-2021
  • Gul, S., Irshad, F., & Zaman, K. (2011). Factors affecting bank profitability in Pakistan. Romanian Economic Journal, 14(39), 61-87.
  • Hirindu, K., and Panditharathna, K. (2017). The factors effecting on bank profitability. International Journal of Scientific and Research Publications, 7(2), 212-216.
  • Kadioglu, E., Telceken, N., Ocal, N. (2017). Effect of the asset quality on the bank profitability. International Journal of Economics and Finance, 9(7), 60-68.
  • Katırcıoglu, S., Ozatac, N., & Taspınar, N. (2020). The role of oil prices, growth and inflation in bank profitability. The Service Industries Journal, 40(7-8), 565-584.
  • Le, T. D., & Ngo, T. (2020). The determinants of bank profitability: A cross-country analysis. Central Bank Review, 20(2), 65-73.
  • Naceur, S. B., and Goaied, M. (2001). The determinants of the Tunisian deposit banks' performance. Applied Financial Economics, 11(3), 317-319.
  • Okuyan, H. A. and Karataş, Y. (2017). Türk Bankacılık Sektörünün Kârlılık Analizi̇ (Profitability Analysis of Turkish Banking Sector). Ege Academic Review, 17(3), 395-406.
  • Ozgur, O., and Gorus, M. S. (2016). Determinants of deposit bank profitability: evidence from Turkey. Journal of Applied Economics and Business Research, 6(3), 218-231.
  • Prasanto, O., Wulandari, D., Narmaditya, B. S., & Kamaludin, M. (2020). Determinants of bank profitability: A new evidence from state-owned banks in Indonesia. Trikonomika, 19(1), 29-35.
  • Sahyouni, A., and Wang, M. (2018). The determinants of bank profitability: does liquidity creation matter?. Journal of Economics and Financial Analysis, 2(2), 61-85.
  • Saif-Alyousfi, A. Y. (2020). Determinants of bank profitability: evidence from 47 Asian countries. Journal of Economic Studies, 49(1), 44-60.
  • Sinha, P., and Sharma, S. (2016). Determinants of bank profits and its persistence in Indian Banks: a study in a dynamic panel data framework. International Journal of System Assurance Engineering and Management, 7(1), 35-46.
  • Taskın, F. D. (2011). Türkiye’de ticari bankaların performansını etkileyen faktörler. Ege Akademik Bakış, 11(2), 289-298.
  • The Banks Association of Turkey. (2021). Bankacılık Sisteminde Banka, Çalışan ve Şube Sayıları. Access address: https://www.tbb.org.tr/Content/Upload/-istatistikiraporlar/ekler/3681/Banka_Calisan_ve_Sube_Bilgileri_Eylul_2021.pdf
  • Yao, H., Haris, M., and Tariq, G. (2018). Profitability determinants of financial institutions: evidence from banks in Pakistan. International Journal of Financial Studies, 6(2), 53.
Toplam 23 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Ekonomi, Finans
Bölüm Araştırma Makalesi
Yazarlar

Hakan Bal 0000-0001-8477-5150

Sıtkı Sönmezer

Yayımlanma Tarihi 28 Ocak 2022
Gönderilme Tarihi 9 Aralık 2021
Yayımlandığı Sayı Yıl 2022 Cilt: 23 Sayı: 1

Kaynak Göster

APA Bal, H., & Sönmezer, S. (2022). DETERMINANTS OF THE PROFITABILITY OF BANKING SECTOR IN TURKEY. Doğuş Üniversitesi Dergisi, 23(1), 243-254. https://doi.org/10.31671/doujournal.1034488

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