THE EFFECT OF INCOME SOURCES NON-INTEREST ON BANK PERFORMANCE: TURKISH BANKING EXAMPLE

Emel Aba Şenbayram

Makale detayları

THE EFFECT OF INCOME SOURCES NON-INTEREST ON BANK PERFORMANCE: TURKISH BANKING EXAMPLE

Yazarlar:

Emel Aba Şenbayram

Yayıncı:

Adıyaman University

Ana Başlıklar:

Panel Veri Analizi

Dergi:

Adıyaman Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 48, pp.509-540

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001336644

pISSN:

1308-9196

Anahtar kelimeler:

Özet:

 Interest and non-interest income constitute basic element of intermediary function of banks. However, technological developments, competitive conditions, product and service diversity, costs, etc. factors like direct banks to different sources of income. This study aims to examine the effect of banks non-interest income on performance. Within study, ten largest deposit banks operating in Türkiye and constituting 87.8 of the total assets of the Turkish banking sector were determined as samples. Panel data analysis was used in the research, which examined the 2013-2023 period data of banks. Within analyses, banks equity profitability and asset profitability were preferred as dependent variables, while banks net non-interest incometotal operating income was used as the independent variable. In order to increase effectiveness the analyses, some variables such as total loans  total assets, total equity capital  total assets, personnel expenses  total assets, logarithm of total deposits and interest rate applied to loans were added to the study as control variables. As a result of the analysis, determined that the non-interest income positively affected performance.In the findings where a positive relationship was found between the variables, concluded that the personnel expensestotal assets variable, one of the control variables, didntt have effect on asset profitability.

 Interest and non-interest income constitute basic element of intermediary function of banks. However, technological developments, competitive conditions, product and service diversity, costs, etc. factors like direct banks to different sources of income. This study aims to examine the effect of banks non-interest income on performance. Within study, ten largest deposit banks operating in Türkiye and constituting 87.8 of the total assets of the Turkish banking sector were determined as samples. Panel data analysis was used in the research, which examined the 2013-2023 period data of banks. Within analyses, banks equity profitability and asset profitability were preferred as dependent variables, while banks net non-interest incometotal operating income was used as the independent variable. In order to increase effectiveness the analyses, some variables such as total loans  total assets, total equity capital  total assets, personnel expenses  total assets, logarithm of total deposits and interest rate applied to loans were added to the study as control variables. As a result of the analysis, determined that the non-interest income positively affected performance.In the findings where a positive relationship was found between the variables, concluded that the personnel expensestotal assets variable, one of the control variables, didntt have effect on asset profitability.

 Interest and non-interest income constitute basic element of intermediary function of banks. However, technological developments, competitive conditions, product and service diversity, costs, etc. factors like direct banks to different sources of income. This study aims to examine the effect of banks non-interest income on performance. Within study, ten largest deposit banks operating in Türkiye and constituting 87.8 of the total assets of the Turkish banking sector were determined as samples. Panel data analysis was used in the research, which examined the 2013-2023 period data of banks. Within analyses, banks equity profitability and asset profitability were preferred as dependent variables, while banks net non-interest incometotal operating income was used as the independent variable. In order to increase effectiveness the analyses, some variables such as total loans  total assets, total equity capital  total assets, personnel expenses  total assets, logarithm of total deposits and interest rate applied to loans were added to the study as control variables. As a result of the analysis, determined that the non-interest income positively affected performance.In the findings where a positive relationship was found between the variables, concluded that the personnel expensestotal assets variable, one of the control variables, didntt have effect on asset profitability.

 Faiz ve faiz dışı gelirler, bankaların aracılık fonksiyonunun temel unsurunu oluşturmaktadır. Ancak teknolojik gelişmeler, rekabet koşulları, ürün ve hizmet çeşitliliği, maliyetler vb. gibi faktörler bankaları farklı gelir kaynaklarına yönlendirmektedir. Bu çalışma ile bankalarının faiz dışı gelirinin performansları üzerindeki etkisinin incelenmesi amaçlanmıştır. Çalışma kapsamında Türkiyede faaliyet göstermekte olan ve Türk bankacılık sektörünün aktif toplamının  87,8ini oluşturan en büyük ilk on mevduat bankası örneklem olarak belirlenmiştir. Bankalara ait 2013-2023 dönem verilerinin ele alındığı araştırmada panel veri analizinden yararlanmıştır. Analizler kapsamında bağımlı değişkenler için bankaların öz kaynak karlılığı ile aktif kârlılığı tercih edilirken, bağımsız değişken olarak da bankaların net faiz dışı gelirlertoplam faaliyet gelirleri kullanılmıştır. Analizlerin etkinliğini arttırmak amacıyla toplam krediler  toplam aktifler, toplam öz sermaye  toplam aktifler, personel giderleri  toplam aktifler, toplam mevduatın logaritması ve kredilere uygulanan faiz oranı gibi bazı değişkenler de çalışmaya kontrol değişkeni olarak eklenmiştir. Analizler sonucunda bankaların faiz dışı gelirlerinin performanslarını olumlu yönde etkilediği tespit edilmiştir. Değişkenler arasında pozitif yönde bir ilişkinin olduğu tespit edilen bulgularda kontrol değişkenlerinden personel giderleritoplam varlıklar değişkeninin bankaların aktif kârlılığı üzerinde bir etkisi bulunmadığı sonucuna ulaşılmıştır.

Makale detayları

THE EFFECT OF INCOME SOURCES NON-INTEREST ON BANK PERFORMANCE: TURKISH BANKING EXAMPLE

Yazarlar:

Emel Aba Şenbayram

Yayıncı:

Adıyaman University

Ana Başlıklar:

Panel Veri Analizi

Dergi:

Adıyaman Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 48, pp.509-540

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001336644

pISSN:

1308-9196

Non-interest income

financial performance

banking

panel data analysis

Turkıye.Faiz dışı gelir

finansal performans

bankacılık

panel veri analizi

Türkiye

Sayı

Makale detayları

Yazarlar: Emel Aba Şenbayram

Yayıncı: Adıyaman University

Ana Başlıklar: Panel Veri Analizi

Dergi: Adıyaman Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 48, pp.509-540

Belge Tipi: Makale

Yayın Tarihi: 12/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001336644

pISSN: 1308-9196

Sayı

Yazarlar:

Emel Aba Şenbayram

Yayıncı:

Adıyaman University

Ana Başlıklar:

Panel Veri Analizi

Dergi:

Adıyaman Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 48, pp.509-540

Belge Tipi:

Makale

Yayın Tarihi:

12/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001336644

pISSN:

1308-9196