Bankacılık Sektöründe Kârlılığın Belirleyicileri: Filistin'den Pilot Kanıt; 1995-2015

Year 2018, Volume: 4 Issue: 1, 49 - 67, 30.06.2018

Gaber Abugamea

Abstract

Bu çalışmanın
amacı, 1995-2015 döneminde, bankacılık sektörünün konsolide
bilançosundan bir bütün olarak Filistin'de alınan banka verilerini
kullanarak, banka karlılığı üzerine banka spesifik ve ana makroekonomik
özellikler arasındaki ilişkiyi incelemektir. Bu
makale, aktiflerin getirisi (ROA), özkaynak kârlılığı (ROE) ve net faiz
marjı (NIM) gibi aktif kârlılık göstergelerine, varlıkların, sermayenin,
kredilerin, mevduatın, ekonomik büyümenin ve enflasyonun etkisini
araştırmak için Adi En Küçük Metraj yöntemi kullanmaktadır. ), ayrı ayrı. Ampirik
sonuçlar, iç faktörlerin enflasyonun kârlılığı ve dış faktörleri
üzerinde etkili olduğuna ve kişi başına düşen GSYİH'nın kârlılığı
beklenen etki ile etkilediğine dair güçlü kanıtlar bulmuştur. Bu sonuçlar hem akademisyenler hem de politika yapıcılar için değerlidir.

Keywords

Bankacılık Sektörü, Bankacılık Kârlılığı, İç ve Dış Faktörler, OLS

Determinants of Banking Sector Profitability: Empirical Evidence from Palestine; 1995-2015

Abstract

The objective of this study is to examine the relationship between
bank specific and main macroeconomic characteristics over bank profitability by
using data of banks taken from the consolidated balance sheet of banking sector
as a whole in Palestine, over the period 1995-2015.  This paper uses  the Ordinary Least Square method to
investigate the effect of  assets, capital,
loans, deposits, economic growth and inflation on major profitability
indicators i.e., return on assets (ROA), return on equity (ROE) and net
interest margin (NIM), separately. The empirical results have found strong
evidence that internal factors have an influence on the profitability and external
factors of inflation and GDP per capita of factors affect the profitability
with the expected effect. These results are of value to both academics and
policy makers.

Keywords

Banking Sector, Banking Profitability, Internal & External Factors, OLS

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