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EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY

Yıl 2022, , 58 - 86, 31.03.2022
https://doi.org/10.17065/huniibf.929924

Öz

Dollarization has significant effects on the real sector, monetary policy, and financial system. In this study, the effects of dollarization on banks’ performance in Turkey for the period of 2012-2017 are investigated by using both static and dynamic panel data analyses. Our Generalized Method of Moments (GMM) results indicate the statistical significance of the negative impact of deposit dollarization on return on assets (ROA). Both the random effects regression and GMM results show a negative and significant effect of deposit dollarization on return on equity (ROE). On the credit dollarization side, while random effects regression results indicate a negative and significant impact of credit dollarization on ROA and one-step system GMM results indicate the negative effect of credit dollarization on ROE, the rest of our estimations do not show any significant effect of credit dollarization on bank performance.

Kaynakça

  • Alper, D., & Anbar, A. (2011). Bank specific and macroeconomic determinants of commercial bank profitability: Empirical evidence from Turkey. Business and Economics Research Journal, 2(2), 139-152. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1831345
  • Arellano, M., & Bond, S. (1991). Some tests of specification for panel data: Monte Carlo evidence and an application to employment equations. The Review of Economic Studies, 58(2), 277-297. https://doi.org/10.2307/2297968
  • Arellano, M., & Bover, O. (1995). Another look at the instrumental variable estimation of error-components models. Journal of Econometrics, 68(1), 29-51. https://doi.org/10.1016/0304-4076(94)01642-D
  • Ata, H. A. (2009). Kriz sonrası Türkiye'de mevduat bankaları karlılığına etki eden faktörler. Gaziantep Üniversitesi İşletme Fakültesi Dergisi, 10(2), 137-151. https://dergipark.org.tr/tr/pub/ifede/issue/25423/268219
  • Atasoy, H. (2007). Türk bankacılık sektöründe gelir-gider analizi ve karlılık performansının belirleyicileri. TCMB Uzmanlık Tezi. Ankara. https://www.tcmb.gov.tr/wps/wcm/connect/5de9343d-9542-48be-97b1-c42bd466a6c8/hakanatasoy.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-5de9343d-9542-48be-97b1-c42bd466a6c8-m3fBa57
  • Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific industry specific and macroeconomics determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136. https://doi.org/10.1016/j.intfin.2006.07.001
  • Athanasoglou, P. P., Delis, M., & Staikouras, C. (2006). Determinants of bank profitability in the South Eastern European region. Munich Personal RePec Archive Paper No. 10274. https://mpra.ub.uni-muenchen.de/id/eprint/10274
  • Baltagi, B. H. (2013). Econometric Analysis of Panel Data. Wiley.
  • Banking Regulation and Supervision Agency. (2019). Banking sector data. Retrieved September 1, 2019 from https://www.bddk.org.tr/Veri/Index/72
  • Berger, A. N. (1995). The relationship between capital and earnings in banking. Journal of Money, Credit and Banking, 27(2), 432-456. https://doi.org/10.2307/2077877
  • Blundell, R., & Bond, S. (1998). Initial conditions and moment restrictions in dynamic panel data models. Journal of Econometrics, 87(1), 115-143. https://doi.org/10.1016/S0304-4076(98)00009-8
  • Bourke, P. (1989). Concentration and other determinants of bank profitability in Europe, North America and Australia. Journal of Banking & Finance, 13(1), 65-79. https://doi.org/10.1016/0378-4266(89)90020-4
  • Caglayan, M., & Talavera, O. (2016). Dollarization, liquidity and performance: Evidence from Turkish Banking. MPRA Paper (72812). https://mpra.ub.uni-muenchen.de/72812/1/MPRA_paper_72812.pdf
  • Central Bank of the Republic of Turkey (2019). Electronic data delivery system. Retrieved September 1, 2019 from https://evds2.tcmb.gov.tr/index.php
  • Chang, R., & Velasco, A. (2001). Monetary policy in a dollarized economy where balance sheets matter. Journal of Development Economics, 66(2), 445-464. https://doi.org/10.1016/S0304-3878(01)00170-5
  • Civcir, İ. (2005). Dollarization and its long-run determinants in Turkey. In S. Neaime & N. A. Colton (Ed.), Money and Finance in the Middle East: Missed Oportunities or Future Prospects? (Research in Middle East Economics, Vol. 6), Emerald Group Publishing Limited, Bingley, 201-232. https://doi.org/10.1016/S1094-5334(05)06010-3
  • Court, E., Ozsoz, E., & Rengifo, E. W. (2012). The impact of deposit dollarization on financial deepening. Emerging Markets Finance and Trade, 48(6), 39-52. https://doi.org/10.2753/REE1540-496X480602
  • De Nicolo, G., Honohan, P., & Ize, A. (2003). Dollarization of the banking system: Good or bad? Policy Research Working Papers, August. https://doi.org/10.1596/1813-9450-3116
  • De Nicolo, G., Honohan, P., & Ize, A. (2005). Dollarization of bank deposits: Causes and consequences. Journal of Banking & Finance, 29(7), 1697-1727. https://doi.org/10.1016/j.jbankfin.2004.06.033
  • Greene, W. H. (2003). Econometric Analysis. New Jersey: Prentice Hall.
  • Gujarati, D. N., & D. J. Porter (2009). Basic Econometrics. New York: McGraw-Hill.
  • Guru, B. K., Staunton, J., & Shanmugam, B. (2002). Determinants of commercial bank profitability in Malaysia [Conference presentation]. 12th Annual Australian Finance and Banking Conference, Sydney, Australia, December 16-17. http://web.usm.my/aamj/5.2.2000/5-2-1.pdf
  • Hausman, J. (1978). Specification tests in econometrics. Econometrica, 46(6), 1251-1271. https://doi.org/10.2307/1913827
  • Im, K. S., Pesaran, M. H., & Shin, Y. (2003). Testing for unit roots in heterogeneous panels. Journal of Econometrics, 115(1), 53-74. https://doi.org/10.1016/S0304-4076(03)00092-7 Kepenek, Y., & N. Yentürk (2005). Türkiye Ekonomisi. İstanbul: Remzi Kitabevi.
  • Kohlscheen, E., Murcia, A., & Contreras, A. (2018). Determinants of bank profitability in emerging markets. Bank for International Settlements Working Papers, 686. https://www.bis.org/publ/work686.htm
  • Kutan, A. M., Ozsoz, E., & Rengifo, E. W. (2012). Cross-sectional determinants of bank performance under deposit dollarization in emerging markets. Emerging Markets Review, 13(4), 478-492. https://doi.org/10.1016/j.ememar.2012.07.003
  • Levin, A., Lin, C. F., & Chu, C. S. J. (2002). Unit root tests in panel data: Asymptotic and finite-sample properties. Journal of Econometrics, 108(1), 1-24. https://doi.org/10.1016/S0304-4076(01)00098-7
  • Maddala, G. S., & Wu, S. (1999). A comparative study of unit root tests with panel data and a new simple test. Oxford Bulletin of Economics and Statistics, Special Issue, 631-652. https://doi.org/10.1111/1468-0084.0610s1631
  • Metin-Özcan, K., & Us, V. (2007). Dedollarization in Turkey after decades of dollarization: A myth or reality? Physica A, Statistical Mechanics and its Applications, 385(1), 292-306. https://doi.org/10.1016/j.physa.2007.06.018
  • Molyneux, P., & Thornton, J. (1992). Determinants of European bank profitability: A note. Journal of Banking & Finance, 16(6), 1173-1178. https://doi.org/10.1016/0378-4266(92)90065-8
  • Naceur, S. B. (2003). The determinants of Tunisian banking industry profitability: Panel evidence. Universite Libre de Tunis, Department of finance Working Paper. https://www.researchgate.net/publication/228606633_The_determinants_of_the_Tunisian_banking_industry_profitability_Panel_evidence
  • Nickell, S. (1981). Biases in dynamic models with fixed effects. Econometrica, 49(6), 1417-1426. https://doi.org/10.2307/1911408
  • Ozsoz, E. (2008). Bank performance in dollarized economies. [PhD Dissertation, Fordham University]. https://research.library.fordham.edu/dissertations/AAI3310422/
  • Özatay, F. (2005). Monetary policy challenges for Turkey in European Union accession process. TCMB: Research Department Working Paper, 05/11. https://www.tcmb.gov.tr/wps/wcm/connect/bee6dba0-5137-4cfe-9927-4ab80dcae0db/WP0511ENG.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-bee6dba0-5137-4cfe-9927-4ab80dcae0db-m3fw5MR
  • Quispe-Agnoli, M., & Whisler, E. (2006). Official dollarization and the banking system in Ecuador and El Salvador. Federal Reserve Bank of Atlanta Economic Review, 91(Q 3), 55-71. https://www.researchgate.net/publication/5025720_Official_dollarization_and_the_banking_system_in_Ecuador_and_El_Salvador
  • Regehr, K., & Sengupta, R. (2016). Has the relationship between bank size and profitability changed? Economic Review, Federal Reserve Bank of Kansas City, issue Q II, 49-72. https://econpapers.repec.org/article/fipfedker/00040.htm
  • Revell, J. (1979). Inflation and financial institutions. London: The Financial Times Ltd.
  • Roodman, D. (2009). A note on the theme of too many instruments. Oxford Bulletin of Economics and Statistics, 71(1), 135-158. https://doi.org/10.1111/j.1468-0084.2008.00542.x
  • Serdaroğlu, T. (2011). Financial dollarization in the Turkish economy: The portfolio view. [MSc Thesis, Middle East Technical University]. https://hdl.handle.net/11511/20895
  • Short, B. K. (1979). The relation between commercial bank profit rates and banking concentration in Canada, Western Europe, and Japan. Journal of Banking and Finance, 3(3), 209-219. https://doi.org/10.1016/0378-4266(79)90016-5
  • Stix, H. (2013). Why do people save in cash? Distrust, memories of banking crisis, weak institutions and dollarization. Journal of Banking & Finance, 37(11), 4087-4106. https://doi.org/10.1016/j.jbankfin.2013.07.015
  • The Banks Association of Turkey (2019). Data query system. Retrieved September 1, 2019 from https://verisistemi.tbb.org.tr/
  • Topak, M. S., & Talu, N. H. (2017). Bank specific and macroeconomic determinants of bank profitability: Evidence from Turkey. International Journal of Economics and Financial Issues, 7(2), 574-584. https://dergipark.org.tr/tr/pub/ijefi/issue/32035/354531
  • Tunay, K. B., & Silpar, A. M. (2006). Türk ticari bankacılık sektöründe karlılığa dayalı performans analizi-I. Türkiye Bankalar Birliği Araştırma Tebliğleri Serisi, April, 2006-01. Retrieved September 1, 2019, from https://www.tbb.org.tr/dosyalar/arastirma_ve_raporlar/tbb_2.pdf
  • Turkish Statistical Institute. (2019). Data portal for statistics. Retrieved September 1, 2019 from https://data.tuik.gov.tr/Kategori/GetKategori?p=Ulusal-Hesaplar-113
  • Windmeijer, F. (2005). A finite sample correction for the variance of linear efficient two-step GMM estimators. Journal of Econometrics, 126(1), 25-51. https://doi.org/10.1016/j.jeconom.2004.02.005
  • Wooldridge, J. M. (2002). Econometric analysis of cross section and panel data. Cambridge: MIT Press.

DOLARİZASYONUN BANKA PERFORMANSI ÜZERİNE ETKİLERİ: TÜRKİYE ANALİZİ

Yıl 2022, , 58 - 86, 31.03.2022
https://doi.org/10.17065/huniibf.929924

Öz

Dolarizasyonun reel sektör, para politikası ve finansal sistem üzerinde önemli etkileri bulunmaktadır. Bu çalışmada, 2012-2017 döneminde dolarizasyonun Türkiye’deki bankaların performansları üzerindeki etkisi hem statik hem de dinamik panel veri analizi yöntemleri ile araştırılmıştır. Genelleştirilmiş Momentler Metodu (GMM) sonuçlarımız, mevduat dolarizasyonunun aktif karlılığı üzerindeki olumsuz etkisinin istatistiksel olarak anlamlı olduğunu göstermektedir. Hem rastgele etkiler modeli, hem de GMM sonuçları mevduat dolarizasyonunun özkaynak karlılığı üzerinde negatif ve istatistiksel olarak anlamlı bir etkisi olduğunu göstermektedir. Kredi dolarizasyonu açısından ise, rastgele etkiler modeli sonuçları kredi dolarizasyonunun aktif karlılığı üzerinde negatif ve istatiksel olarak anlamlı bir etkisi olduğunu ve tek aşamalı sistem GMM sonuçları kredi dolarizasyonunun özkaynak karlılığı üzerinde negatif bir etkisi olduğunu göstermekte iken, diğer sonuçlarımız kredi dolarizasyonunun banka performansı üzerinde istatiksel olarak anlamlı bir etkisi bulunmadığını göstermektedir.

Kaynakça

  • Alper, D., & Anbar, A. (2011). Bank specific and macroeconomic determinants of commercial bank profitability: Empirical evidence from Turkey. Business and Economics Research Journal, 2(2), 139-152. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1831345
  • Arellano, M., & Bond, S. (1991). Some tests of specification for panel data: Monte Carlo evidence and an application to employment equations. The Review of Economic Studies, 58(2), 277-297. https://doi.org/10.2307/2297968
  • Arellano, M., & Bover, O. (1995). Another look at the instrumental variable estimation of error-components models. Journal of Econometrics, 68(1), 29-51. https://doi.org/10.1016/0304-4076(94)01642-D
  • Ata, H. A. (2009). Kriz sonrası Türkiye'de mevduat bankaları karlılığına etki eden faktörler. Gaziantep Üniversitesi İşletme Fakültesi Dergisi, 10(2), 137-151. https://dergipark.org.tr/tr/pub/ifede/issue/25423/268219
  • Atasoy, H. (2007). Türk bankacılık sektöründe gelir-gider analizi ve karlılık performansının belirleyicileri. TCMB Uzmanlık Tezi. Ankara. https://www.tcmb.gov.tr/wps/wcm/connect/5de9343d-9542-48be-97b1-c42bd466a6c8/hakanatasoy.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-5de9343d-9542-48be-97b1-c42bd466a6c8-m3fBa57
  • Athanasoglou, P. P., Brissimis, S. N., & Delis, M. D. (2008). Bank-specific industry specific and macroeconomics determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136. https://doi.org/10.1016/j.intfin.2006.07.001
  • Athanasoglou, P. P., Delis, M., & Staikouras, C. (2006). Determinants of bank profitability in the South Eastern European region. Munich Personal RePec Archive Paper No. 10274. https://mpra.ub.uni-muenchen.de/id/eprint/10274
  • Baltagi, B. H. (2013). Econometric Analysis of Panel Data. Wiley.
  • Banking Regulation and Supervision Agency. (2019). Banking sector data. Retrieved September 1, 2019 from https://www.bddk.org.tr/Veri/Index/72
  • Berger, A. N. (1995). The relationship between capital and earnings in banking. Journal of Money, Credit and Banking, 27(2), 432-456. https://doi.org/10.2307/2077877
  • Blundell, R., & Bond, S. (1998). Initial conditions and moment restrictions in dynamic panel data models. Journal of Econometrics, 87(1), 115-143. https://doi.org/10.1016/S0304-4076(98)00009-8
  • Bourke, P. (1989). Concentration and other determinants of bank profitability in Europe, North America and Australia. Journal of Banking & Finance, 13(1), 65-79. https://doi.org/10.1016/0378-4266(89)90020-4
  • Caglayan, M., & Talavera, O. (2016). Dollarization, liquidity and performance: Evidence from Turkish Banking. MPRA Paper (72812). https://mpra.ub.uni-muenchen.de/72812/1/MPRA_paper_72812.pdf
  • Central Bank of the Republic of Turkey (2019). Electronic data delivery system. Retrieved September 1, 2019 from https://evds2.tcmb.gov.tr/index.php
  • Chang, R., & Velasco, A. (2001). Monetary policy in a dollarized economy where balance sheets matter. Journal of Development Economics, 66(2), 445-464. https://doi.org/10.1016/S0304-3878(01)00170-5
  • Civcir, İ. (2005). Dollarization and its long-run determinants in Turkey. In S. Neaime & N. A. Colton (Ed.), Money and Finance in the Middle East: Missed Oportunities or Future Prospects? (Research in Middle East Economics, Vol. 6), Emerald Group Publishing Limited, Bingley, 201-232. https://doi.org/10.1016/S1094-5334(05)06010-3
  • Court, E., Ozsoz, E., & Rengifo, E. W. (2012). The impact of deposit dollarization on financial deepening. Emerging Markets Finance and Trade, 48(6), 39-52. https://doi.org/10.2753/REE1540-496X480602
  • De Nicolo, G., Honohan, P., & Ize, A. (2003). Dollarization of the banking system: Good or bad? Policy Research Working Papers, August. https://doi.org/10.1596/1813-9450-3116
  • De Nicolo, G., Honohan, P., & Ize, A. (2005). Dollarization of bank deposits: Causes and consequences. Journal of Banking & Finance, 29(7), 1697-1727. https://doi.org/10.1016/j.jbankfin.2004.06.033
  • Greene, W. H. (2003). Econometric Analysis. New Jersey: Prentice Hall.
  • Gujarati, D. N., & D. J. Porter (2009). Basic Econometrics. New York: McGraw-Hill.
  • Guru, B. K., Staunton, J., & Shanmugam, B. (2002). Determinants of commercial bank profitability in Malaysia [Conference presentation]. 12th Annual Australian Finance and Banking Conference, Sydney, Australia, December 16-17. http://web.usm.my/aamj/5.2.2000/5-2-1.pdf
  • Hausman, J. (1978). Specification tests in econometrics. Econometrica, 46(6), 1251-1271. https://doi.org/10.2307/1913827
  • Im, K. S., Pesaran, M. H., & Shin, Y. (2003). Testing for unit roots in heterogeneous panels. Journal of Econometrics, 115(1), 53-74. https://doi.org/10.1016/S0304-4076(03)00092-7 Kepenek, Y., & N. Yentürk (2005). Türkiye Ekonomisi. İstanbul: Remzi Kitabevi.
  • Kohlscheen, E., Murcia, A., & Contreras, A. (2018). Determinants of bank profitability in emerging markets. Bank for International Settlements Working Papers, 686. https://www.bis.org/publ/work686.htm
  • Kutan, A. M., Ozsoz, E., & Rengifo, E. W. (2012). Cross-sectional determinants of bank performance under deposit dollarization in emerging markets. Emerging Markets Review, 13(4), 478-492. https://doi.org/10.1016/j.ememar.2012.07.003
  • Levin, A., Lin, C. F., & Chu, C. S. J. (2002). Unit root tests in panel data: Asymptotic and finite-sample properties. Journal of Econometrics, 108(1), 1-24. https://doi.org/10.1016/S0304-4076(01)00098-7
  • Maddala, G. S., & Wu, S. (1999). A comparative study of unit root tests with panel data and a new simple test. Oxford Bulletin of Economics and Statistics, Special Issue, 631-652. https://doi.org/10.1111/1468-0084.0610s1631
  • Metin-Özcan, K., & Us, V. (2007). Dedollarization in Turkey after decades of dollarization: A myth or reality? Physica A, Statistical Mechanics and its Applications, 385(1), 292-306. https://doi.org/10.1016/j.physa.2007.06.018
  • Molyneux, P., & Thornton, J. (1992). Determinants of European bank profitability: A note. Journal of Banking & Finance, 16(6), 1173-1178. https://doi.org/10.1016/0378-4266(92)90065-8
  • Naceur, S. B. (2003). The determinants of Tunisian banking industry profitability: Panel evidence. Universite Libre de Tunis, Department of finance Working Paper. https://www.researchgate.net/publication/228606633_The_determinants_of_the_Tunisian_banking_industry_profitability_Panel_evidence
  • Nickell, S. (1981). Biases in dynamic models with fixed effects. Econometrica, 49(6), 1417-1426. https://doi.org/10.2307/1911408
  • Ozsoz, E. (2008). Bank performance in dollarized economies. [PhD Dissertation, Fordham University]. https://research.library.fordham.edu/dissertations/AAI3310422/
  • Özatay, F. (2005). Monetary policy challenges for Turkey in European Union accession process. TCMB: Research Department Working Paper, 05/11. https://www.tcmb.gov.tr/wps/wcm/connect/bee6dba0-5137-4cfe-9927-4ab80dcae0db/WP0511ENG.pdf?MOD=AJPERES&CACHEID=ROOTWORKSPACE-bee6dba0-5137-4cfe-9927-4ab80dcae0db-m3fw5MR
  • Quispe-Agnoli, M., & Whisler, E. (2006). Official dollarization and the banking system in Ecuador and El Salvador. Federal Reserve Bank of Atlanta Economic Review, 91(Q 3), 55-71. https://www.researchgate.net/publication/5025720_Official_dollarization_and_the_banking_system_in_Ecuador_and_El_Salvador
  • Regehr, K., & Sengupta, R. (2016). Has the relationship between bank size and profitability changed? Economic Review, Federal Reserve Bank of Kansas City, issue Q II, 49-72. https://econpapers.repec.org/article/fipfedker/00040.htm
  • Revell, J. (1979). Inflation and financial institutions. London: The Financial Times Ltd.
  • Roodman, D. (2009). A note on the theme of too many instruments. Oxford Bulletin of Economics and Statistics, 71(1), 135-158. https://doi.org/10.1111/j.1468-0084.2008.00542.x
  • Serdaroğlu, T. (2011). Financial dollarization in the Turkish economy: The portfolio view. [MSc Thesis, Middle East Technical University]. https://hdl.handle.net/11511/20895
  • Short, B. K. (1979). The relation between commercial bank profit rates and banking concentration in Canada, Western Europe, and Japan. Journal of Banking and Finance, 3(3), 209-219. https://doi.org/10.1016/0378-4266(79)90016-5
  • Stix, H. (2013). Why do people save in cash? Distrust, memories of banking crisis, weak institutions and dollarization. Journal of Banking & Finance, 37(11), 4087-4106. https://doi.org/10.1016/j.jbankfin.2013.07.015
  • The Banks Association of Turkey (2019). Data query system. Retrieved September 1, 2019 from https://verisistemi.tbb.org.tr/
  • Topak, M. S., & Talu, N. H. (2017). Bank specific and macroeconomic determinants of bank profitability: Evidence from Turkey. International Journal of Economics and Financial Issues, 7(2), 574-584. https://dergipark.org.tr/tr/pub/ijefi/issue/32035/354531
  • Tunay, K. B., & Silpar, A. M. (2006). Türk ticari bankacılık sektöründe karlılığa dayalı performans analizi-I. Türkiye Bankalar Birliği Araştırma Tebliğleri Serisi, April, 2006-01. Retrieved September 1, 2019, from https://www.tbb.org.tr/dosyalar/arastirma_ve_raporlar/tbb_2.pdf
  • Turkish Statistical Institute. (2019). Data portal for statistics. Retrieved September 1, 2019 from https://data.tuik.gov.tr/Kategori/GetKategori?p=Ulusal-Hesaplar-113
  • Windmeijer, F. (2005). A finite sample correction for the variance of linear efficient two-step GMM estimators. Journal of Econometrics, 126(1), 25-51. https://doi.org/10.1016/j.jeconom.2004.02.005
  • Wooldridge, J. M. (2002). Econometric analysis of cross section and panel data. Cambridge: MIT Press.
Toplam 47 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi
Yazarlar

Sena Işık Bu kişi benim 0000-0001-6765-025X

İlkay Şendeniz-yüncü 0000-0002-6065-4204

Yayımlanma Tarihi 31 Mart 2022
Gönderilme Tarihi 30 Nisan 2021
Yayımlandığı Sayı Yıl 2022

Kaynak Göster

APA Işık, S., & Şendeniz-yüncü, İ. (2022). EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY. Hacettepe Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 40(1), 58-86. https://doi.org/10.17065/huniibf.929924
AMA Işık S, Şendeniz-yüncü İ. EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. Mart 2022;40(1):58-86. doi:10.17065/huniibf.929924
Chicago Işık, Sena, ve İlkay Şendeniz-yüncü. “EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY”. Hacettepe Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi 40, sy. 1 (Mart 2022): 58-86. https://doi.org/10.17065/huniibf.929924.
EndNote Işık S, Şendeniz-yüncü İ (01 Mart 2022) EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 40 1 58–86.
IEEE S. Işık ve İ. Şendeniz-yüncü, “EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY”, Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, c. 40, sy. 1, ss. 58–86, 2022, doi: 10.17065/huniibf.929924.
ISNAD Işık, Sena - Şendeniz-yüncü, İlkay. “EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY”. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 40/1 (Mart 2022), 58-86. https://doi.org/10.17065/huniibf.929924.
JAMA Işık S, Şendeniz-yüncü İ. EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. 2022;40:58–86.
MLA Işık, Sena ve İlkay Şendeniz-yüncü. “EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY”. Hacettepe Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, c. 40, sy. 1, 2022, ss. 58-86, doi:10.17065/huniibf.929924.
Vancouver Işık S, Şendeniz-yüncü İ. EFFECTS OF DOLLARIZATION ON BANK PERFORMANCE: ANALYSIS FOR TURKEY. Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi. 2022;40(1):58-86.

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