Türkiye’deki Konvansiyonel ve Katılım Bankacılığının Karşılaştırmalı Analizi: Ücret ve Komisyon Gelirleri, Mevduat Faizleri ve Kârlılık

Öz

Bu çalışmanın amacı Türkiye’deki konvansiyonel ve katılım bankaları arasında kârlılığı belirleyen faktörleri incelemek ve iki banka türü arasındaki ayırıcı unsurları tespit etmektir. 2007-2018 yılları arası çeyreklik veri seti kullanılarak yapılan ekonometrik çalışmada GMM tahmincisi kullanılmıştır. Elde edilen bulgulara göre, iki banka türü arasında önemli farklılıklar bulunmaktadır. Detaylı olarak bakıldığında, katılım bankalarının aktif ve sermaye kârlılığı geleneksel bankalardan daha yüksektir. Mevduat faizi ve kâr payı oranları açısından bakıldığında, katılım bankaları geleneksel bankalardan daha az ödeme yapmaktadırlar. Komisyon ücreti gelirlerinin özellikle geleneksel bankalar açısından daha önemli olduğu tespit edilmiştir. Son olarak, kriz dönemlerinde katılım bankalarının geleneksel bankalara göre daha iyi performans gösterdikleri ortaya konulmuştur.

Anahtar Kelimeler

• Katılım Bankacılığı
• Ticari Bankacılık
• Banka Karlılığı
• Mevduat Faizleri
• Ücret ve Komisyon Gelirleri

Comparative Analysis of The Conventional and Participation Banks In Turkey: Fee and Commission Incomes, Deposit Interest Rates and Profitability

Abstract

The aim of this study is to examine the factors determining the profitability of conventional and participation banks in Turkey and to identify the distinguishing factors between the two types of banks. The GMM estimator was used in the econometric analysis using the quarterly data between 2007 and 2018. Results suggest the existence of significant differences between the two types of banks. For instance, participation banks have higher return on assets and capital than traditional banks. In terms of deposit interest and profit share rates, participation banks pay less than traditional banks. We also find that commission fee income is more important for traditional banks. Finally, results indicate that participation banks perform better than conventional banks during the crisis period.

Keywords

• Participation Banks
• Commercial Banks
• Profitability
• Fee and Commission Income
• Deposit Rates

Kaynakça

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