TURKISH BANKS' NON-INTEREST INCOME AND THE IMPACT OF THE CBRT REGULATIONS

Olcay Demirboğa; Aykut Şengül

Makale detayları

TURKISH BANKS' NON-INTEREST INCOME AND THE IMPACT OF THE CBRT REGULATIONS

Yazarlar:

Olcay Demirboğa | Aykut Şengül

Yayıncı:

Marmara University

Ana Başlıklar:

Para-Bankacılık

Dergi:

Öneri Dergisi Vol.20 Issue 63, pp.99-116

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339837

pISSN:

1300-0845

Anahtar kelimeler:

Özet:

 Banks, which serve to facilitate the transfer of funds between deficit and surplus positions, seek to maximize their income in order to maximize their profits. In order to achieve this, banks attach great importance to the generation of non-interest income as well as interest and fee income, which represent their primary sources of revenue. In this study, we analyze the impact of potential determinants of non-interest income in the Turkish banking sector on non- interest income using a panel data set. Accordingly, this study analyses the determinants of non-interest income in the Turkish banking sector using a data set of 19 banks and 11 years. The analysis demonstrates that bank-specific variables, including the net interest margin, loans-to-assets ratio, asset growth rate, capital adequacy ratio, return on equity, and the inflation rate, significantly and negatively impact non-interest income. In contrast, changes in the return on assets and gross domestic product have a positive and significant effect on primary income. Furthermore, the CBRTs regulations on fees, charges and commissions in 2020 are anticipated to influence the non-interest income ratio of the Turkish banking sector, particularly that of public banks. Moreover, the study may also contribute to the academic literature on potential regulatory policies that could impact the primary income of banks.

 Banks, which serve to facilitate the transfer of funds between deficit and surplus positions, seek to maximize their income in order to maximize their profits. In order to achieve this, banks attach great importance to the generation of non-interest income as well as interest and fee income, which represent their primary sources of revenue. In this study, we analyze the impact of potential determinants of non-interest income in the Turkish banking sector on non- interest income using a panel data set. Accordingly, this study analyses the determinants of non-interest income in the Turkish banking sector using a data set of 19 banks and 11 years. The analysis demonstrates that bank-specific variables, including the net interest margin, loans-to-assets ratio, asset growth rate, capital adequacy ratio, return on equity, and the inflation rate, significantly and negatively impact non-interest income. In contrast, changes in the return on assets and gross domestic product have a positive and significant effect on primary income. Furthermore, the CBRTs regulations on fees, charges and commissions in 2020 are anticipated to influence the non-interest income ratio of the Turkish banking sector, particularly that of public banks. Moreover, the study may also contribute to the academic literature on potential regulatory policies that could impact the primary income of banks.

 Banks, which serve to facilitate the transfer of funds between deficit and surplus positions, seek to maximize their income in order to maximize their profits. In order to achieve this, banks attach great importance to the generation of non-interest income as well as interest and fee income, which represent their primary sources of revenue. In this study, we analyze the impact of potential determinants of non-interest income in the Turkish banking sector on non- interest income using a panel data set. Accordingly, this study analyses the determinants of non-interest income in the Turkish banking sector using a data set of 19 banks and 11 years. The analysis demonstrates that bank-specific variables, including the net interest margin, loans-to-assets ratio, asset growth rate, capital adequacy ratio, return on equity, and the inflation rate, significantly and negatively impact non-interest income. In contrast, changes in the return on assets and gross domestic product have a positive and significant effect on primary income. Furthermore, the CBRTs regulations on fees, charges and commissions in 2020 are anticipated to influence the non-interest income ratio of the Turkish banking sector, particularly that of public banks. Moreover, the study may also contribute to the academic literature on potential regulatory policies that could impact the primary income of banks.

 Fon açığı ve fon fazlası olanları bir araya getiren bankalar, karlarının maksimizasyonu amacıyla gelirlerini de maksimize etmek isterler. Bu amaçla temel gelirleri olan faiz ve temettü gelirlerinin yanı sıra faiz dışı gelir getirici hizmetlere de büyük önem vermektedirler. Çalışmada Türk bankacılık sektörünün faiz dışı gelirlerinin temel belirleyicileri olabilecek faktörlerin faiz dışı gelirler üzerindeki etkisi panel veri kullanılarak bir veri seti üzerinde analiz edilmiştir. Buna göre, Türk bankacılık sektöründe faiz dışı geliri belirleyen faktörler, 19 banka ve 11 yıllık bir veri seti kullanılarak analiz edilmiştir. Analiz, net faiz marjı, kredilerin aktife oranı, aktif büyüme oranı, sermaye yeterlilik oranı, öz kaynak karlılığı gibi bankaya özgü değişkenler ile enflasyonun faiz dışı gelir üzerinde önemli bir negatif etkiye sahip olduğunu göstermektedir. Buna karşın; aktif karlılık oranı ve gayrisafi yurt içi hasıladaki değişimlerin ise faiz dışı gelir üzerinde pozitif anlamlı bir etkiye sahip olduğu görülmüştür. Ayrıca, TCMBnin 2020 yılında ücret, masraf ve komisyonlara ilişkin düzenlemelerinin, özellikle kamu bankaları olmak üzere, Türk bankacılık sektörünün faiz dışı gelir oranını etkilemesi öngörülmektedir. Çalışmanın, bankacılık sektörü için bir düzenleme seti geliştirirken, düzenleyici otoriteler tarafından bankaların faiz dışı gelirlerini etkileyebilecek olası politikalara ilişkin literatüre de katkı sağlayabileceği değerlendirilmektedir.

Makale detayları

TURKISH BANKS' NON-INTEREST INCOME AND THE IMPACT OF THE CBRT REGULATIONS

Yazarlar:

Olcay Demirboğa | Aykut Şengül

Yayıncı:

Marmara University

Ana Başlıklar:

Para-Bankacılık

Dergi:

Öneri Dergisi Vol.20 Issue 63, pp.99-116

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339837

pISSN:

1300-0845

Fee Income

Non-interest Fee Income

Net Interest Marjin

Panel Data Analysisfaiz dışı gelir

ücret geliri

net faiz marjı

panel veri analizi

Sayı

Makale detayları

Yazarlar: Olcay Demirboğa | Aykut Şengül

Yayıncı: Marmara University

Ana Başlıklar: Para-Bankacılık

Dergi: Öneri Dergisi Vol.20 Issue 63, pp.99-116

Belge Tipi: Makale

Yayın Tarihi: 1/2025

Belge Dili: İngilizce

Document ID (Org No.): 2001339837

pISSN: 1300-0845

Sayı

Yazarlar:

Olcay Demirboğa | Aykut Şengül

Yayıncı:

Marmara University

Ana Başlıklar:

Para-Bankacılık

Dergi:

Öneri Dergisi Vol.20 Issue 63, pp.99-116

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339837

pISSN:

1300-0845