The Determinants of Turkish Banking Sector Profitability in 2022

Fikret Kartal

Article Details

The Determinants of Turkish Banking Sector Profitability in 2022

Authors:

Fikret Kartal

Publisher:

Marmara University

Main Topics:

Banka Yönetimi

Journal:

Marmara Sosyal Araştırmalar Dergisi Issue 19, pp.1-25

Document Type:

Article

Publication Date:

6/2023

Document Language:

Turkish

Document ID (Org No.):

2001290733

pISSN:

2146-6017

Keywords:

Abstract:

 Banking sector profitability is affected by bank-specific, sector-specific and macroeconomic factors that are highly sensitive to economic crises, banking authorities decisions and the changing economic environment. In 2022, Turkish banking sectors profitability has increased significantly due to the unconventional monetary policy. In the study, determinants of profitability for 2022 were analyzed using monthly financial statements and average sizes spread throughout the year for the banking sector. When the contribution of CPI-indexed bonds was excluded, it was seen that the financial outlook of the banking sector was not very strong. As a result of the sharp increase in interest income from securities, the share of this item in total interest income increased from 25 to 39, while the share of interest income from loans decreased from 69 to 58; while the average TL loan size decreased by 9, interest income generated from TL loans increased by 6 in real terms.

 Banking sector profitability is affected by bank-specific, sector-specific and macroeconomic factors that are highly sensitive to economic crises, banking authorities decisions and the changing economic environment. In 2022, Turkish banking sectors profitability has increased significantly due to the unconventional monetary policy. In the study, determinants of profitability for 2022 were analyzed using monthly financial statements and average sizes spread throughout the year for the banking sector. When the contribution of CPI-indexed bonds was excluded, it was seen that the financial outlook of the banking sector was not very strong. As a result of the sharp increase in interest income from securities, the share of this item in total interest income increased from 25 to 39, while the share of interest income from loans decreased from 69 to 58; while the average TL loan size decreased by 9, interest income generated from TL loans increased by 6 in real terms.

 Banking sector profitability is affected by bank-specific, sector-specific and macroeconomic factors that are highly sensitive to economic crises, banking authorities decisions and the changing economic environment. In 2022, Turkish banking sectors profitability has increased significantly due to the unconventional monetary policy. In the study, determinants of profitability for 2022 were analyzed using monthly financial statements and average sizes spread throughout the year for the banking sector. When the contribution of CPI-indexed bonds was excluded, it was seen that the financial outlook of the banking sector was not very strong. As a result of the sharp increase in interest income from securities, the share of this item in total interest income increased from 25 to 39, while the share of interest income from loans decreased from 69 to 58; while the average TL loan size decreased by 9, interest income generated from TL loans increased by 6 in real terms.

 Bankaların kârlılığı, ekonomik krizlere, otoritelerin kararlarına ve değişen ekonomik ortama son derece duyarlı olan bankaya ve sektöre özgü faktörler ile makroekonomik koşullardan etkilenmektedir. Geleneksel olmayan para politikası sonucu Türk bankacılık sektörünün kârlılığı 2022 yılında yüksek büyümeye tanıklık etmiştir. Çalışmada, bankacılık sektörünün aylık finansal tabloları ve yıla yaygın ortalama büyüklükleri kullanılarak 2022 yılı kârlılığının belirleyicileri analiz edilmiş ve enflasyona endeksli tahvillerin katkısı dışarda tutulduğunda, bankacılık sektörünün finansal görünümünün çok güçlü olmadığı görülmüştür. Menkul değerlerden sağlanan faiz gelirindeki keskin artış sonucu, bu kalemin toplam faiz geliri içindeki payı 25den 39a yükselirken, kredi faiz gelirinin payı 69dan 58e gerilemiş; ortalama TL kredi büyüklüğü reel olarak 9 küçülürken, TL kredilerden elde edilen faiz geliri reel olarak 6 artmıştır.

Article Details

The Determinants of Turkish Banking Sector Profitability in 2022

Authors:

Fikret Kartal

Publisher:

Marmara University

Main Topics:

Banka Yönetimi

Journal:

Marmara Sosyal Araştırmalar Dergisi Issue 19, pp.1-25

Document Type:

Article

Publication Date:

6/2023

Document Language:

Turkish

Document ID (Org No.):

2001290733

pISSN:

2146-6017

Banking Sector

Profitability

CPI-Indexed Bonds

Monetary PolicyBankacılık Sektörü

Kârlılık

Enflasyona Endeksli Tahviller

Para Politikası

Issues

Article Details

Authors: Fikret Kartal

Publisher: Marmara University

Main Topics: Banka Yönetimi

Journal: Marmara Sosyal Araştırmalar Dergisi Issue 19, pp.1-25

Document Type: Article

Publication Date: 6/2023

Document Language: Turkish

Document ID (Org No.): 2001290733

pISSN: 2146-6017

Issues

Authors:

Fikret Kartal

Publisher:

Marmara University

Main Topics:

Banka Yönetimi

Journal:

Marmara Sosyal Araştırmalar Dergisi Issue 19, pp.1-25

Document Type:

Article

Publication Date:

6/2023

Document Language:

Turkish

Document ID (Org No.):

2001290733

pISSN:

2146-6017