Journal Name:
- Akademik Araştırmalar ve Çalışmalar Dergisi
Author Name | University of Author |
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Abstract (2. Language):
Turkish banking sector has had a swift recovery after the 2001 crisis that was
experienced in Turkey and there has been observed a great increase at assets size of the
sector, credits, deposits and net profit. 169 billion TL assets size in 2001 increased to
961 billion TL in 2010. Whereas the net profit was -11 billion TL in 2001, it increased
to 21 billion TL in 2010. Using panel regression analysis, this study seeks to determine
whether there have been significant differences between the ratios acquired from
financial statements of 3 public banks and 11 private banks operating in Turkish
banking sector between 2001 and 2010.
According to this, it was analyzed whether profitability ratios of the banks that
represent a balanced panel feature can be explained in terms of other ratios as a
dependent variable or not. Profitability ratios from the dependent variables have been
taken into consideration as Net Profit (Loss) / Total Assets (KAR1), Net Profit (Loss) /
Shareholder’s Equity (KAR2), Pre-Tax Profit / Total Assets (KAR3). The purpose of this
study is to look for an answer to the question “Is there a significant difference between
the years 2001 and 2010 for State-Owned and Privately Owned Banks in terms of ratios
that explain dependent variables?” Moreover, there has also been revealed whether
explanatory variables have differentiated or not.
Consequently, according to the balanced panel regression results that have been
performed in state-owned banks, ratios that can explain those ratios at 1% significance
level when we perform regression analysis to KAR1, KAR2 and KAR3 ratios separately
at a fixed effect are: Total Operating Income / Total Assets (FR1) and (Personnel
Expense + Severance payment) / Total Assets (FR3) ratios. When this same analysis has
been performed to the private sector banks, there has been analyzed that ratios of
Shareholder’s Equity / (Deposits + Non-Deposit Resources) (SY3) and Total Deposits /
Total assets (BY1) along with the explanatory variables of the state-owned banks can be
explained at 1% significance level. Stata 11software was used for the analysis, effect
models Hausman test for the panel have been performed. F-test of all models that have
been set are significant and explanation rates have shown change.
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