Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı

Öz

Bu çalışmada 2005:Ç1-2013:Ç4 dönemi için son küresel finansal krizin BIST'te işlem gören 15 Türk bankasının performansı üzerindeki etkileri panel veri modeliyle incelenmiştir. Tüm dönem için tahmin sonuçları genel olarak banka büyüklüğü, kredi riski, fonlama riski, iflas riski, gelir çeşitlendirme, banka sermayesi ve etkinsizlik düzeyi gibi değişkenlerin banka performansının anlamlı kestiricileri olduğunu ortaya koymaktadır. Tahmin sonuçları kriz öncesi dönem için değerlendirildiğinde, kredi riski ve gelir çeşitliliği ile banka performansı arasında anlamlı ilişkiler olduğu tespit edilmiştir. Kriz sonrası döneme ilişkin analiz sonuçları banka performansı ile likidite riski,  iflas riski ve banka sermayesi gibi değişkenler arasında anlamlı ilişkiler olduğunu göstermektedir. Sonuç olarak, bulgularımız göstermektedir ki son küresel finansal krizin banka performansının belirleyicileri üzerinde önemli etkileri bulunmaktadır.

Anahtar Kelimeler

• Performans,Küresel Finansal Kriz

Kaynakça

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