Kamran BARGHANDAN, Mohammad Nabi TASH SHAHIKI, Mosayeb PAHLAVANI

Evaluating the Relationship between Concentration Indicators and Profitability of Banking Industry in Iran

Toplumlarının refah seviyesini artırmaya yönelik etkin politikalar belirlemek amacıyla piyasa yapısının tespit edilmesi, politika yapıcıları için önemli rol oynamaktadır. Bu refah oldukça rekabetçi bir ortamda meydana gelir. Öncelikli olarak bu çalışma, bankacılık sektöründe yoğunlaşma seviyesinin ölçülmesini, daha sonra ise hesaplanan değerlere göre karlılık ölçümüyle olan ilişkiyi incelemeyi amaçlamaktadır. Tahmin edilen bulgular, Herfindhal-Herishman indeksine göre sektörün karlılığı üzerinde pozitif ve önemli etkiye sahip olduğunu göstermektedir. 2006 yılı hariç olmak üzere analiz edilen tüm yıllardan ortaya çıkan sonuçlar, çalışmayı destekler niteliktedir. Kamu sektöründe faaliyet gösteren en büyük 4 banka üzerinde yapılan çalışmada ortaya çıkan yoğunlaşma seviyesi yaklaşık 0.57'dir. Buna ilaveten bu sonuçlar, İran sektöründe, analiz kapsamındaki dönemler için Herfindhal-Herishman indeksi kullanılarak teyit edilmiştir. Bundan dolayı, sonuç olarak İranda bankacılık sektörünün baskın bir parçasının devlet olduğu, özel sektörün kritik bir rol oynadığını söylemek mümkün değildir.

İran'da Bankacılık Sektörünün Karlılığı ve Yoğunlaşma Göstergeleri Arasındaki İlişkinin Değerlendirilmesi*

Determining the structure of a market plays an important role for policy makers to adopt efficient policies to enhance social welfare of their societies. This welfare is happened in a competitive framework. This study first attempt to measure the concentration level of banking industry and then examines its relationship with profitability measure according to the calculated values. The findings estimated indicate that the Herfindhal-Herishman index has a positive and significant effect on the profitability of the industry. The results also demonstrate that the trend of concentration indicators, except for year 2006, has not declined considerably during the study period Such that the concentration ratio for the largest four banks, all the 4 banks are active in the governmental sector, is near 0.57. Additionally, this reality in the Iranian industry is confirmed under the Herfindhal- Herishman indicator during the period. Therefore, we can conclude that the governmental sector is the dominant part of banking system in Iran and private sector does not play a crucial role.

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