DETERMINANTS OF BANKS’ PROFITABILITY: A COMPARATIVE ANALYSIS BETWEEN MALAYSIA AND SOUTH AFRICA

Öz

Based on a comparative analysis, a study was conducted to evaluate the effects of non-performing loans, bank size, capital adequacy ratio, and GDP on the profitability of banks in emerging economies i.e. South Africa and Malaysia. As inputs for data analysis, the study utilizes secondary data from the Thomson Reuters database, the world bank database, and the selected bank’s financial statements. Besides, by employing a multiple regression analysis on the data available between the periods of 2008-2020, bank size and non-performing loans were found to exert positive and significant effects on South African Bank's ROA metrics. As with Malaysia, an inverse relationship was found between banks’ ROA and their non-performing loans. The study draws practical and managerial implications relevant to the operational efficiency of banks in both countries.

Anahtar Kelimeler

• Nonperforming loans, Profitability (ROA), Capital Adequacy Ratio, Malaysia, South Africa

Öz

Banka karlılığı yatırımcılar, araştırmacılar ve düzenleyici kuruluşlar için hem önemli bir konu hem de kaygı kaynağı olmuştur. Bu çalışmada, Malezya ve Güney Arfika Cumhuriyetindeki bankaların karlılığının üzerindeki etmenlerin belirlenmesi amaçlanmıştır. Thompson Reuters veri tabanı, Dünya Bankası veri tabanı ve 2008-2020 yılları arasında seçilen bankaların finansal tabloları kullanılarak analizler yapılmıştır. Bu çalışmada kullanılan çoklu regresyon analizi banka büyüklüğü ve sorunlu kredilerin Güney Afrika Cumhuriyeti bankacılığının karlılığı üzerinde pozitif ve istatistiksel olarak anlamlı bir etkisi vardır. Malezya için ise, sorunlu krediler, gayrisafi yurtiçi hasıla ve CAR bağımsız değişkenlerinin bankaların aktif karlılığı üzerinde negative etkisinin bulunduğu tespit edilmiştir. Panel veri analizi sonuçları sermaye yeterlilik oranı ile banka büyüklüğü arasında anlamlı ve pozitif bir ilişkiye işaret etmekte ve banka büyüklüğü ve karlılık arasında istatistiksel olarak anlamlı ve negative yönlü bir ilişki söz konusudur. Bu çalışma her iki ülke için de bankaların operasyonel verimliliği hakkında önemli çıkarımlar ortaya koymuştur

Anahtar Kelimeler

• Sorunlu Krediler, Aktif Karlılık, Sermaye Yeterlilik Oranı, Malezya, Güney Afrika Cumhuriyeti

Kaynakça

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