BANKACILIK SEKTÖRÜNDE KÂRLILIĞI ETKĠLEYEN BANKAYA ÖZGÜ FAKTÖRLER: TÜRKĠYE’DE FAALĠYET GÖSTEREN ÖZEL SERMAYELĠ MEVDUAT BANKALARI ÜZERĠNE BĠR ÇALIġMA

Bankacılık sektörü, ülke ekonomilerinde önemli bir role sahip en hassas sektörlerden biridir. Bu nedenle bankaların kârlılığı sürdürülebilir ekonomiler için önemli bir unsurdur. Bankaların kârlılığı, bankaya özgü (iç) faktörlerden ve makroekonomik (dıĢ) faktörlerden etkilenebilmektedir. Ġç faktörler bankanın kârlılığını etkileyen bireysel banka özellikleridir, dıĢ faktörler ise Ģirketin kontrolü dıĢındaki küresel, ulusal veya sektörel faktörlerdir. Bu çalıĢmanın amacı; Türkiye‟de faaliyet gösteren Özel Sermayeli Mevduat Bankalarının 2008-2018 yılları arasında kalan dönemdeki kârlılığını bazı iç faktörler üzerinden değerlendirmektir. Bu çalıĢmada bankaların kârlılığı üzerinde bankaların büyüklüğü, likidite, sermaye yeterliliği, mevduat ve maliyet etkinliği gibi içsel faktörlerin etkisi çoklu regresyon analiz yöntemi ile irdelenmiĢtir. ÇalıĢma sonucunda, Türkiye‟de faaliyet gösteren ticari bankaların kârlılığı üzerinde; maliyet etkinliği ve sermaye yeterliliği değiĢkenlerinin etkisi olduğu büyüklük, mevduat oranı ve likidite gibi diğer değiĢkenlerin kârlılık üzerinde önemli bir etkisinin olmadığı yönünde ampirik sonuçlara ulaĢılmıĢtır.

BANK SPECIFIC FACTORS AFFECTING PROFITABILITY IN BANKING SECTOR: A STUDY ON PRIVATE CAPITAL DEPOSIT MONEY BANKS OPERATING IN TURKEY

The banking sector is one of the most sensitive sectors that play an important role in national economies. Therefore, the profitability of banks is an important factor for sustainable economies. The profitability of banks can be affected by bank-specific (internal) factors and macroeconomic (external) factors. In this study, between the years 2008-2018 the profitability of some private banks operating in Turkey is to be evaluated. In this study, the effects of internal factors such as the size of banks, liquidity, capital adequacy, deposit and cost efficiency on the profitability of banks were examined by multiple regression analysis method. As a result of the study, it is understood that cost effectiveness and capital adequacy variables have an effect on the profitability of commercial banks. In addition, empirical results have been reached indicating that other variables such as size, deposit ratio and liquidity have no significant effect on profitability.

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