THE IMPACT OF CAPITAL STRUCTURE ON BANK PERFORMANCE IN TURKIYE

Serpil Tomak

Makale detayları

THE IMPACT OF CAPITAL STRUCTURE ON BANK PERFORMANCE IN TURKIYE

Yazarlar:

Serpil Tomak

Yayıncı:

Pamukkale University

Ana Başlıklar:

Bankacılık Denetleme ve Düzenleme

Dergi:

Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 66, pp.279-292

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339391

pISSN:

1308-2922

Anahtar kelimeler:

Özet:

 The aim of this study is to examine the impact of capital structure on Turkish banking performance by using panel regression model for the period between 2012 and 2023. The ratio of return on assets ROA and return on equity ROE are used as a dependent variable which are one of the important indicators of the banking performance. There are 9 bank-spesific and 2 macroeconomic inflation and economic growth independent variables in the analysis. Panel data analysis results reveal that the capital structure Debt ratio DTA and Debt to equity ratio DTE negatively impacts business performance ROA of Turkish private deposit banks. The financial performance, which is measured by ROA, is significantly and negatively associated with variables such as Non-Performing loan ratio NPL, credit risk CIR and cost management OA, whereas effect of bank size BS, economic growt GDP and inflation INF have positive impact. On the other hand, the effects of DTA, DTE, BS, NPL, CIR, OA and GDP on ROE are significant. Besides, the effects of DTA, BS and GDP are positive, whereas the effect of DTE, NPL, CIR and OA are negative. The study concludes that the capital structure proxies have impact on financial performance of Turkish private deposit banks measured both by return on assets and return on equity.

 The aim of this study is to examine the impact of capital structure on Turkish banking performance by using panel regression model for the period between 2012 and 2023. The ratio of return on assets ROA and return on equity ROE are used as a dependent variable which are one of the important indicators of the banking performance. There are 9 bank-spesific and 2 macroeconomic inflation and economic growth independent variables in the analysis. Panel data analysis results reveal that the capital structure Debt ratio DTA and Debt to equity ratio DTE negatively impacts business performance ROA of Turkish private deposit banks. The financial performance, which is measured by ROA, is significantly and negatively associated with variables such as Non-Performing loan ratio NPL, credit risk CIR and cost management OA, whereas effect of bank size BS, economic growt GDP and inflation INF have positive impact. On the other hand, the effects of DTA, DTE, BS, NPL, CIR, OA and GDP on ROE are significant. Besides, the effects of DTA, BS and GDP are positive, whereas the effect of DTE, NPL, CIR and OA are negative. The study concludes that the capital structure proxies have impact on financial performance of Turkish private deposit banks measured both by return on assets and return on equity.

 The aim of this study is to examine the impact of capital structure on Turkish banking performance by using panel regression model for the period between 2012 and 2023. The ratio of return on assets ROA and return on equity ROE are used as a dependent variable which are one of the important indicators of the banking performance. There are 9 bank-spesific and 2 macroeconomic inflation and economic growth independent variables in the analysis. Panel data analysis results reveal that the capital structure Debt ratio DTA and Debt to equity ratio DTE negatively impacts business performance ROA of Turkish private deposit banks. The financial performance, which is measured by ROA, is significantly and negatively associated with variables such as Non-Performing loan ratio NPL, credit risk CIR and cost management OA, whereas effect of bank size BS, economic growt GDP and inflation INF have positive impact. On the other hand, the effects of DTA, DTE, BS, NPL, CIR, OA and GDP on ROE are significant. Besides, the effects of DTA, BS and GDP are positive, whereas the effect of DTE, NPL, CIR and OA are negative. The study concludes that the capital structure proxies have impact on financial performance of Turkish private deposit banks measured both by return on assets and return on equity.

 Bu çalışmanın amacı, 2012-2023 dönemi için panel regresyon modelini kullanarak sermaye yapısının Türk Bankacılık Sektörü performansı üzerindeki etkisini incelemektir. Çalışmada bankacılık performansının önemli göstergelerinden biri olan aktif getirisi ROA ve öz sermaye getirisi ROE oranı bağımlı değişken olarak kullanılmıştır. Analizde 9 banka özelinde ve 2 makroekonomik enflasyon ve ekonomik büyüme bağımsız değişken bulunmaktadır. Panel veri analizi sonuçları, sermaye yapısının Borçlanma oranı DTA ve Borç-özkaynak oranı DTE Türk özel mevduat bankalarının iş performansını ROA negatif yönde etkilediğini göstermektedir. ROA ile ölçülen finansal performans Takipteki krediler oranı NPL, kredi riski CIR ve maliyet yönetimi OA gibi değişkenlerle anlamlı ve negatif ilişkiliyken; banka büyüklüğü BS, ekonomik büyüme GSYİH ve enflasyona INF etkisi pozitiftir. Diğer taraftan DTA, DTE, BS, NPL, CIR, OA ve GSYİHnin ROE üzerindeki etkileri anlamlıdır. DTA, BS ve GDPnin etkileri pozitif iken; DTE, NPL, CIR ve OAnın etkisi negatiftir. Çalışmada, sermaye yapısı değişkenlerinin hem varlık getirisi hem de öz sermaye getirisi ile ölçülen Türk mevduat bankalarının finansal performansı üzerinde etkisi olduğu sonucuna varılmıştır.

Makale detayları

THE IMPACT OF CAPITAL STRUCTURE ON BANK PERFORMANCE IN TURKIYE

Yazarlar:

Serpil Tomak

Yayıncı:

Pamukkale University

Ana Başlıklar:

Bankacılık Denetleme ve Düzenleme

Dergi:

Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 66, pp.279-292

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339391

pISSN:

1308-2922

Capital structure

Bank profitability

Banking performance

Bank capital

Leverage

Panel data analysisSermaye yapısı

Banka karlılığı

Banka performansı

Banka sermayesi

Panel veri analizi

Sayı

Makale detayları

Yazarlar: Serpil Tomak

Yayıncı: Pamukkale University

Ana Başlıklar: Bankacılık Denetleme ve Düzenleme

Dergi: Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 66, pp.279-292

Belge Tipi: Makale

Yayın Tarihi: 1/2025

Belge Dili: İngilizce

Document ID (Org No.): 2001339391

pISSN: 1308-2922

Sayı

Yazarlar:

Serpil Tomak

Yayıncı:

Pamukkale University

Ana Başlıklar:

Bankacılık Denetleme ve Düzenleme

Dergi:

Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi Issue 66, pp.279-292

Belge Tipi:

Makale

Yayın Tarihi:

1/2025

Belge Dili:

İngilizce

Document ID (Org No.):

2001339391

pISSN:

1308-2922