Güçlü Ekonomiye Geçiş Programı Sonrası Türkiye’de Banka Kârlılığının Belirleyicileri

Year 2019, Volume: 27 Issue: 39, 111 - 131, 31.01.2019

Cemil Çiftçi , Dilek Durusu-çiftçi

https://doi.org/10.17233/sosyoekonomi.2019.01.07

Cited By: 4

Abstract

Türkiye’de 2000’li yılların başında yaşanan ekonomik krizler sonrasında uygulamaya konulan Güçlü Ekonomiye Geçiş Programı çerçevesinde bankacılık sektörünün yeniden yapılandırılmasına yönelik adımlar 2000’li yılların ortalarından itibaren kendini göstermeye başlamış ancak sektörün gelişimiyle banka kârlılıklarında azalmalar da meydana gelmiştir. Bu çalışmada sektörün kârlılıklar açısından heterojen bir yapıda olduğu göz önüne alınmış ve sektör düşük kârlı ve yüksek kârlı bankalar şeklinde iki gruba ayrılarak analiz edilmiştir. Bu kapsamda 2006-2016 döneminde Türkiye’de faaliyet gösteren bankaların kârlılıklarına bankaya özgü, sektöre özgü ve makroekonomik değişkenlerin etkileri panel GMM tahmini yöntemiyle analiz edilmiştir. Uygulama sonuçları bankacılık sektörü açısından önemli politika çıkarsınımları ortaya koymuştur.

Keywords

Banka Kârlılığı, Panel Veri Modeli, Türkiye

Determinants of Bank Profitability after Transition to the Strong Economy Program in Turkey

Abstract

In Turkey, many important steps have been taken towards restructuring the banking sector within the framework of “Transition to the Strong Economy Program” which was put into practice after the economic crisis at the beginning of the 2000s. The positive effects of the program have begun to be seen from the mid-2000s however, there has been a decline in bank profitability. This study takes into consideration the heterogeneity in terms of bank profitability and separate the sector into two groups as low and high profitable banks. In this context, utilizing the panel GMM estimation methods the effects of bank-specific, sector-specific and macroeconomic variables on bank profitability in Turkey were analyzed during the period 2006-2016. The findings reveal significant policy implications for the banking sector.

Keywords

Banking Profitability, Panel Data Models, Turkey

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