Özet:

The aim of the study the impact of diversification which 21 deposit banks operating in Turkey have made in their income sources between 2010-2018 periods on their performances has been researched. As an independent variable in the study, income diversification index (HHI), which is widely used in international examples Return on assets (ROA) and return on equity (ROE) are used as dependent variables. The capital adequacy ratio, asset ratio, liquidity ratio, deposit growth rate, loan and provision ratio, which are considered to have an impact on the performance of the bank, are determined as control variables. The annual data of the banks included in the study for the period in question were subjected to panel data regression analysis and modeled using the Driscoll-Kraay (1998) estimator. According to the result of the analysis issued, it is concluded that the income diversification that banks have been conducted gives a positive contribution to their performances. More explicitly, it is observed that that the diversification in their income sources which banks have been conducted by tending from interest income to out of/non interest income has increased both their return on equity and return on assets. When the analysis findings are analyzed in terms of control variables, it is concluded that capital adequacy ratio, liquidity management and provision ratio have a meaningful effect on bank profitability. Among these factors, it has been observed that the effect of the capital adequacy ratio is positive whereas that of liquidity and reserve ratio is negative.

Anahtar Kelimeler: