Türk Bankacılık Sektörünün Finansal Performans Göstergeleri: BIST Mali Sektörü Üzerine Bir Araştırma

Abstract

Considering the importance banks have for the financial system and economy of their country, the purpose of this study is to examine the impact of the financial structure of banks operating in the BIST Financial Sector on the financial performance.The aim of this study is to examine the impact of financial structure of banks operating in the BIST Financial Sector. For this purpose, Asset Profitability Ratio, Total Loans to Assets Ratio, Equity to Assets Ratio, Deposits to Assets Ratio, Asset Size ratios of 10 banks operating between 2009: 03-2019: 09 are used as quarterly data. The data are calculated from the financial statements published by banks. In the study, panel regression method was applied to determine the relationship between banks' financial performance and financial structures. According to the results of the analysis, the ratio of Total Loans to Assets variable affects asset profitability negatively at 1% significance level. The ratio of equity to assets is positive on asset profitability. The Ratio of Deposits to Assets positively affects asset profitability. The asset size also positively affects the profitability. When the results of the study are analyzed as a whole, it can be concluded that banks with strong equity and deposit structures stand out in terms of profitability, and similarly, banks with high asset size may have high return on assets in explaining the bank performance.