BANKA KARLILIĞININ BELİRLEYİCİ ETKENLERİ: TÜRK BANKACILIK SEKTÖRÜ ÜZERİNE BİR İNCELEME-DETERMINANTS OF BANK PROFITABILITY:AN INVESTIGATION ON TURKISH BANKING SECTOR

Bu çalışma; bankaya özgü, sektöre özgü ve makroekonomik faktörlerin Türkiye’deki 26 bankanın 2005-2010 dönemi boyunca karlılıklarını nasıl etkilediğini incelemeyi amaçlamaktadır. Çalışmada Aktif Karlılığı ve Özsermaye Karlılığı, banka karlılığının ölçüleri olarak kullanılmıştır. Çalışmanın sonuçları; kredi kayıpları karşılıklarının brüt kredilere oranının, toplam giderlerin toplam gelirlere oranının, mevduat türünden Herfindahl–Hirschman Endeksinin ve enflasyonun Aktif Karlılığı ile istatiksel olarak anlamlı ve ters yönlü ilişkileri bulunduğunu göstermektedir. Karlılık ölçüsü olarak Özsermaye Karlılığı alındığında ise özkaynakların aktife oranının, kredi kayıpları karşılıklarının brüt kredilere oranının, toplam giderlerin toplam gelirlere oranının, toplam varlıkların logaritmasının ve aktif türünden Herfindahl–Hirschman Endeksinin, karlılıkla istatistiksel olarak anlamlı ve ters yönlü ilişkili oldukları görülmektedir.

Anahtar Kelimeler:

Türk Bankacılık Sektörü; Banka Karlılığı; Panel Veri Analizi-Turkish Banking Sector; Bank Profitability; Panel Data Analysis

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(eakbas@yildiz.edu.tr)
He has received his Ph.D. from Marmara University
Social Sciences Institute. He is instructor at Yıldız
Technical University. His research areas include financial
markets, financial reporting and managerial accounting.