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

Yıl 2018, Cilt 5, Sayı 9, 341 - 368, 26.12.2018

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.

Kaynakça

  • Abdullah, H., Ahmad, I. & Bujang, I. (2015) “Loan Loss Provisions And Macroeconomic Factors: The Case of Malaysian Commercial Banks” International Business Management, 9(4): 377-383.
  • Adelopo, I., Lloydking, R., & Tauringana, V. (2018). Determinants of bank profitability before, during, and after the financial crisis. International Journal of Managerial Finance. 14(4), 378-398.
  • Adusei, M. (2015) “Bank profitability: Insights from the rural banking industry in Ghana” Cogent Economics & Finance, 3(1):1-15.
  • Afşar, M. (2011) “Küresel Kriz ve Türk Bankacılık Sektörüne Yansımaları” Eskişehir Osmangazi Üniversitesi İİBF Dergisi, 6(2): 143-171.
  • Akın, I. (2016). Factors Influencing the Profitability of EU Banks’ Before and During the Financial Crisis. İstanbul Gelişim Üniversitesi Sosyal Bilimler Dergisi, 3(2), 151-184.
  • Amuakwa-Mensah, F. & Marbuah, G. (2015) “The determinants of net interest margin in the Ghanaian banking industry” Journal of African Business, 16(3): 272-288.
  • Andrieş, A. M., Căpraru, B., Ieșan-Muntean, F. L., & Ihnatov, I. (2016). The Impact of International Financial Crisis on Bank Performance in Eastern and Central European Countries. Euro Economica, 35(1), 111-126.
  • Batır, T. E. & Güngör, B. (2016) “Türkiye’de Bankaların Kârlılık Belirleyicilerinin Katılım Bankaları ve Mevduat Bankaları Bazında Karşılaştırılması” Bankacılar Dergisi, 99: 74-98.
  • Belke, M., & Unal, E. A. (2017). Determinants of Bank Profitability: Evidence From Listed And Non-Listed Banks in Turkey. Journal of Economics Finance and Accounting, 4(4), 404-416.
  • Bouvatier, V. & Lepetit, L. (2008) “Banks’ procyclical behavior: Does provisioning matter?” Journal of international financial markets, institutions and money, 18(5): 513-526.
  • Bouzgarrou, H., Jouida, S., & Louhichi, W. (2018). Bank profitability during and before the financial crisis: Domestic vs. foreign banks. Research in International Business and Finance, 44, 26-39.
  • Caporale, G. M., Lodh, S., & Nandy, M. (2017). The performance of banks in the MENA region during the global financial crisis. Research in International Business and Finance, 42, 583-590.
  • Chernykh, L., & Theodossiou, A. K. (2015) “Determinants of bank long-term lending behavior: Evidence from Russia” Multinational Finance Journal, 15(3/4):193–216.
  • Chronopoulos, D.K., Liu, H., McMillan, F.J., & Wilson, J.O. (2015). “The dynamics of US bank profitability”, The European Journal of Finance, 21(5), 426-443.
  • Demirhan, D. (2013) “Effects of the Recent Financial Crisis on the Determinants of Bank Profitability: Case of Turkish Banking Industry” Journal of Yaşar University, 8(31): 5203-5228.
  • Dietrich, A., & Wanzenried, G. (2014). The determinants of commercial banking profitability in low-, middle-, and high-income countries. The Quarterly Review of Economics and Finance, 54(3), 337-354.
  • Dietrich, A., & 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.
  • El-Ansary, O., & Megahed, M. I. (2016) “Determinants of Egyptian Banks Profitability Before and After Financial Crisis” Corporate Ownership & Control, 14(1): 360-372.
  • Garcia, M.T.M. & Guerreiro, J.P.S.M. (2016) "Internal and external determinants of banks’ profitability: The Portuguese case" Journal of Economic Studies, 43(1): 90-107.
  • Garza-García, J.G. (2012) “Does market power influence bank profits in Mexico? A study on market power and efficiency” Applied Financial Economics, 22(1): 21-32.
  • Goczek, Ł. & Malyarenko, N. (2015) “Loan loss provisions during the financial crisis in Ukraine” Post-Communist Economies, 27(4): 472-496.
  • Goddard, J., Molyneux, P. & Wilson, J.O. (2004) “The profitability of European banks: a cross‐sectional and dynamic panel analysis” The Manchester School, 72(3): 363-381.
  • Isik, O. (2017). Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey, Journal of Economics, Finance and Accounting, 4(3), 342-353.
  • Isik, O., Kosaroglu, Ş.M. & Demirci, A. (2018). The Impact of Size and Growth Decisions on Turkish Banks’ Profitability, International Journal of Economics and Financial Issues, 8(1), 21-29.
  • Islam, M.S., & Nishiyama, S.I. (2016a). The Determinants of Bank Profitability: Dynamic Panel Evidence from South Asian Countries. Journal of Applied Finance and Banking, 6(3), 77-93.
  • Islam, M.S., & Nishiyama, S.I. (2016b) “The determinants of bank net interest margins: A panel evidence from South Asian countries” Research in International Business and Finance, 37: 501-514.
  • Işık, Ö., Yalman, İ.N., & Koşaroğlu, Ş.M. (2017). Türkiye’de Mevduat Bankalarının Kârlılığını Etkileyen Faktörler. İşletme Araştırmaları Dergisi, 9(1): 362–380.
  • Kaya, Z., Şahin, L., Hacıevliyagil, N., & Ekşi, İ. H. (2016) “Bankaların Kredi Verme Davranışlarında Varlık Kalitesinin Etkisi” Finansal Araştırmalar ve Çalışmalar Dergisi, 8(14).
  • Koetter, M., & Noth, F. (2013). IT use, productivity, and market power in banking. Journal of Financial Stability, 9(4), 695-704.
  • Köhler, M. (2014) “Does non-interest income make banks more risky? Retail-versus investment-oriented banks” Review of Financial Economics, 23(4); 182-193.
  • Liu, H. & Wilson, J. O. (2010) “The profitability of banks in Japan” Applied Financial Economics, 20(24): 1851-1866.
  • Love, I., & Rachinsky, A. (2015) “Corporate Governance and Bank Performance in Emerging Markets: Evidence from Russia and Ukraine” Emerging Markets Finance and Trade, 51(sup2): 101-121.
  • Makri, V. (2016) "Towards an investigation of credit risk determinants in Eurozone countries" Accounting and Management Information Systems, 15(1): 27-57.
  • Moussa, M.A.B., & Chedia, H. (2016) “Determinants of Bank Lending: Case of Tunisia. International Journal of Finance and Accounting, 5(1): 27-36.
  • Nassar, K.B., Martinez, E., & Pineda, A. (2014) “Determinants of Banks' Net Interest Margins in Honduras (No. 14-163). International Monetary Fund.
  • Ozili, P.K. (2016) “Bank Profitability and Capital Regulation: Evidence from Listed and Non-Listed Banks in Africa” Journal of African Business, 1-26.
  • Ozkan, S., Balsari, C. K., & Varan, S. (2014) “Effect of Banking Regulation on Performance: Evidence from Turkey” Emerging Markets Finance and Trade, 50(4): 196-211.
  • Packer, F. & Zhu, H. (2012) “Loan loss provisioning practices of Asian banks” BIS Working Papers, No: 375.
  • Pervan, M., Pelivan, I., & Arnerić, J. (2015). “Profit persistence and determinants of bank profitability in Croatia. Ekonomska istraživanja, 28(1): 284-298.
  • Rabab’ah, M. (2015) “Factors Affecting the Bank Credit: An Empirical Study on the Jordanian Commercial Banks” International Journal of Economics and Finance, 7(5): 166-178.
  • Rossi, S., Borroni, M., Lippi, A., & Piva, M. (2018). Determinants of Bank Profitability in the Euro Area: What Has Changed During the Recent Financial Crisis?. International Business Research, 11(5), 18-27.
  • Sufian, F., & Habibullah, M.S. (2009) “Determinants of Bank Profitability in a Developing Economy: Empirical Evidence from Bangladesh” Journal of Business Economics and Management, 10(3): 207-217.
  • Tan, Y., & Floros, C. (2012) “Bank profitability and inflation: the case of China” Journal of Economic Studies, 39(6): 675-696.
  • Tomuleasa, I.I., & Cocriş, V. (2014) “Measuring the financial performance of The European systemically important banks” Financial Studies, 18(4):31-51.
  • Turgutlu, E. (2014) “Dynamics of Profitability in the Turkish Banking Industry” Ege Akademik Bakış, 14(1): 43-52.
  • Us, V. (2015) “Banking Sector Performance in Turkey before and after the Global Crisis” Iktisat Isletme ve Finans, 30(353); 45-74.
  • Yüksel, S., Mukhtarov, S., Mammadov, E., & Özsarı, M. (2018). Determinants of Profitability in the Banking Sector: An Analysis of Post-Soviet Countries. Economies, 6(3), 41.

Yıl 2018, Cilt 5, Sayı 9, 341 - 368, 26.12.2018

Öz

Kaynakça

  • Abdullah, H., Ahmad, I. & Bujang, I. (2015) “Loan Loss Provisions And Macroeconomic Factors: The Case of Malaysian Commercial Banks” International Business Management, 9(4): 377-383.
  • Adelopo, I., Lloydking, R., & Tauringana, V. (2018). Determinants of bank profitability before, during, and after the financial crisis. International Journal of Managerial Finance. 14(4), 378-398.
  • Adusei, M. (2015) “Bank profitability: Insights from the rural banking industry in Ghana” Cogent Economics & Finance, 3(1):1-15.
  • Afşar, M. (2011) “Küresel Kriz ve Türk Bankacılık Sektörüne Yansımaları” Eskişehir Osmangazi Üniversitesi İİBF Dergisi, 6(2): 143-171.
  • Akın, I. (2016). Factors Influencing the Profitability of EU Banks’ Before and During the Financial Crisis. İstanbul Gelişim Üniversitesi Sosyal Bilimler Dergisi, 3(2), 151-184.
  • Amuakwa-Mensah, F. & Marbuah, G. (2015) “The determinants of net interest margin in the Ghanaian banking industry” Journal of African Business, 16(3): 272-288.
  • Andrieş, A. M., Căpraru, B., Ieșan-Muntean, F. L., & Ihnatov, I. (2016). The Impact of International Financial Crisis on Bank Performance in Eastern and Central European Countries. Euro Economica, 35(1), 111-126.
  • Batır, T. E. & Güngör, B. (2016) “Türkiye’de Bankaların Kârlılık Belirleyicilerinin Katılım Bankaları ve Mevduat Bankaları Bazında Karşılaştırılması” Bankacılar Dergisi, 99: 74-98.
  • Belke, M., & Unal, E. A. (2017). Determinants of Bank Profitability: Evidence From Listed And Non-Listed Banks in Turkey. Journal of Economics Finance and Accounting, 4(4), 404-416.
  • Bouvatier, V. & Lepetit, L. (2008) “Banks’ procyclical behavior: Does provisioning matter?” Journal of international financial markets, institutions and money, 18(5): 513-526.
  • Bouzgarrou, H., Jouida, S., & Louhichi, W. (2018). Bank profitability during and before the financial crisis: Domestic vs. foreign banks. Research in International Business and Finance, 44, 26-39.
  • Caporale, G. M., Lodh, S., & Nandy, M. (2017). The performance of banks in the MENA region during the global financial crisis. Research in International Business and Finance, 42, 583-590.
  • Chernykh, L., & Theodossiou, A. K. (2015) “Determinants of bank long-term lending behavior: Evidence from Russia” Multinational Finance Journal, 15(3/4):193–216.
  • Chronopoulos, D.K., Liu, H., McMillan, F.J., & Wilson, J.O. (2015). “The dynamics of US bank profitability”, The European Journal of Finance, 21(5), 426-443.
  • Demirhan, D. (2013) “Effects of the Recent Financial Crisis on the Determinants of Bank Profitability: Case of Turkish Banking Industry” Journal of Yaşar University, 8(31): 5203-5228.
  • Dietrich, A., & Wanzenried, G. (2014). The determinants of commercial banking profitability in low-, middle-, and high-income countries. The Quarterly Review of Economics and Finance, 54(3), 337-354.
  • Dietrich, A., & 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.
  • El-Ansary, O., & Megahed, M. I. (2016) “Determinants of Egyptian Banks Profitability Before and After Financial Crisis” Corporate Ownership & Control, 14(1): 360-372.
  • Garcia, M.T.M. & Guerreiro, J.P.S.M. (2016) "Internal and external determinants of banks’ profitability: The Portuguese case" Journal of Economic Studies, 43(1): 90-107.
  • Garza-García, J.G. (2012) “Does market power influence bank profits in Mexico? A study on market power and efficiency” Applied Financial Economics, 22(1): 21-32.
  • Goczek, Ł. & Malyarenko, N. (2015) “Loan loss provisions during the financial crisis in Ukraine” Post-Communist Economies, 27(4): 472-496.
  • Goddard, J., Molyneux, P. & Wilson, J.O. (2004) “The profitability of European banks: a cross‐sectional and dynamic panel analysis” The Manchester School, 72(3): 363-381.
  • Isik, O. (2017). Internal determinants of profitability of state, private and foreign owned commercial banks operating in Turkey, Journal of Economics, Finance and Accounting, 4(3), 342-353.
  • Isik, O., Kosaroglu, Ş.M. & Demirci, A. (2018). The Impact of Size and Growth Decisions on Turkish Banks’ Profitability, International Journal of Economics and Financial Issues, 8(1), 21-29.
  • Islam, M.S., & Nishiyama, S.I. (2016a). The Determinants of Bank Profitability: Dynamic Panel Evidence from South Asian Countries. Journal of Applied Finance and Banking, 6(3), 77-93.
  • Islam, M.S., & Nishiyama, S.I. (2016b) “The determinants of bank net interest margins: A panel evidence from South Asian countries” Research in International Business and Finance, 37: 501-514.
  • Işık, Ö., Yalman, İ.N., & Koşaroğlu, Ş.M. (2017). Türkiye’de Mevduat Bankalarının Kârlılığını Etkileyen Faktörler. İşletme Araştırmaları Dergisi, 9(1): 362–380.
  • Kaya, Z., Şahin, L., Hacıevliyagil, N., & Ekşi, İ. H. (2016) “Bankaların Kredi Verme Davranışlarında Varlık Kalitesinin Etkisi” Finansal Araştırmalar ve Çalışmalar Dergisi, 8(14).
  • Koetter, M., & Noth, F. (2013). IT use, productivity, and market power in banking. Journal of Financial Stability, 9(4), 695-704.
  • Köhler, M. (2014) “Does non-interest income make banks more risky? Retail-versus investment-oriented banks” Review of Financial Economics, 23(4); 182-193.
  • Liu, H. & Wilson, J. O. (2010) “The profitability of banks in Japan” Applied Financial Economics, 20(24): 1851-1866.
  • Love, I., & Rachinsky, A. (2015) “Corporate Governance and Bank Performance in Emerging Markets: Evidence from Russia and Ukraine” Emerging Markets Finance and Trade, 51(sup2): 101-121.
  • Makri, V. (2016) "Towards an investigation of credit risk determinants in Eurozone countries" Accounting and Management Information Systems, 15(1): 27-57.
  • Moussa, M.A.B., & Chedia, H. (2016) “Determinants of Bank Lending: Case of Tunisia. International Journal of Finance and Accounting, 5(1): 27-36.
  • Nassar, K.B., Martinez, E., & Pineda, A. (2014) “Determinants of Banks' Net Interest Margins in Honduras (No. 14-163). International Monetary Fund.
  • Ozili, P.K. (2016) “Bank Profitability and Capital Regulation: Evidence from Listed and Non-Listed Banks in Africa” Journal of African Business, 1-26.
  • Ozkan, S., Balsari, C. K., & Varan, S. (2014) “Effect of Banking Regulation on Performance: Evidence from Turkey” Emerging Markets Finance and Trade, 50(4): 196-211.
  • Packer, F. & Zhu, H. (2012) “Loan loss provisioning practices of Asian banks” BIS Working Papers, No: 375.
  • Pervan, M., Pelivan, I., & Arnerić, J. (2015). “Profit persistence and determinants of bank profitability in Croatia. Ekonomska istraživanja, 28(1): 284-298.
  • Rabab’ah, M. (2015) “Factors Affecting the Bank Credit: An Empirical Study on the Jordanian Commercial Banks” International Journal of Economics and Finance, 7(5): 166-178.
  • Rossi, S., Borroni, M., Lippi, A., & Piva, M. (2018). Determinants of Bank Profitability in the Euro Area: What Has Changed During the Recent Financial Crisis?. International Business Research, 11(5), 18-27.
  • Sufian, F., & Habibullah, M.S. (2009) “Determinants of Bank Profitability in a Developing Economy: Empirical Evidence from Bangladesh” Journal of Business Economics and Management, 10(3): 207-217.
  • Tan, Y., & Floros, C. (2012) “Bank profitability and inflation: the case of China” Journal of Economic Studies, 39(6): 675-696.
  • Tomuleasa, I.I., & Cocriş, V. (2014) “Measuring the financial performance of The European systemically important banks” Financial Studies, 18(4):31-51.
  • Turgutlu, E. (2014) “Dynamics of Profitability in the Turkish Banking Industry” Ege Akademik Bakış, 14(1): 43-52.
  • Us, V. (2015) “Banking Sector Performance in Turkey before and after the Global Crisis” Iktisat Isletme ve Finans, 30(353); 45-74.
  • Yüksel, S., Mukhtarov, S., Mammadov, E., & Özsarı, M. (2018). Determinants of Profitability in the Banking Sector: An Analysis of Post-Soviet Countries. Economies, 6(3), 41.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

Özcan IŞIK
SİVAS CUMHURİYET ÜNİVERSİTESİ, ZARA VEYSEL DURSUN UYGULAMALI BİLİMLER YÜKSEKOKULU, BANKACILIK VE FİNANS BÖLÜMÜ
0000-0003-2230-8738
Türkiye

Yayımlanma Tarihi 26 Aralık 2018
Yayınlandığı Sayı Yıl 2018, Cilt 5, Sayı 9

Kaynak Göster

Bibtex @araştırma makalesi { iisbf486874, journal = {Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi}, issn = {2147-8414}, eissn = {2791-8378}, address = {}, publisher = {Toros Üniversitesi}, year = {2018}, volume = {5}, pages = {341 - 368}, doi = {}, title = {Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı}, key = {cite}, author = {Işık, Özcan} }
APA Işık, Ö. (2018). Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı . Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi , 5 (9) , 341-368 . Retrieved from https://dergipark.org.tr/tr/pub/iisbf/issue/41627/486874
MLA Işık, Ö. "Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı" . Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi 5 (2018 ): 341-368 <https://dergipark.org.tr/tr/pub/iisbf/issue/41627/486874>
Chicago Işık, Ö. "Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı". Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi 5 (2018 ): 341-368
RIS TY - JOUR T1 - Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı AU - Özcan Işık Y1 - 2018 PY - 2018 N1 - DO - T2 - Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi JF - Journal JO - JOR SP - 341 EP - 368 VL - 5 IS - 9 SN - 2147-8414-2791-8378 M3 - UR - Y2 - 2018 ER -
EndNote %0 Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı %A Özcan Işık %T Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı %D 2018 %J Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi %P 2147-8414-2791-8378 %V 5 %N 9 %R %U
ISNAD Işık, Özcan . "Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı". Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi 5 / 9 (Aralık 2018): 341-368 .
AMA Işık Ö. Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı. Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi. 2018; 5(9): 341-368.
Vancouver Işık Ö. Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı. Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi. 2018; 5(9): 341-368.
IEEE Ö. Işık , "Küresel Finansal Kriz Öncesi ve Sonrasında Türkiye'de Bankacılık Sektörünün Performansı", Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi, c. 5, sayı. 9, ss. 341-368, Ara. 2018