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Journals / Doğuş Üniversitesi Dergisi / 2026 / Cilt: 27 Sayı: 1

THE IMPACT OF DIGITAL TRANSFORMATION ON DEPOSIT BANKS LISTED ON STOCK EXCHANGE ISTANBUL

DİJİTAL DÖNÜŞÜMÜN BORSA İSTANBUL’DA İŞLEM GÖREN MEVDUAT BANKALARI ÜZERİNDEKİ ETKİSİ

İdris Adıgüzel0000-0002-6737-4387
Pages
225–235
Publication Date
2026-02-02
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

The results indicate that the ratio of digital banking customers to total customers has a significant and positive effect on both ROA and ROE.

📌 3 Key Takeaways

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Objective & Hypothesis:The aim of this study is to examine the effects of digital transformation on the financial performance indicators of deposit banks (Akbank, Garanti Bankası, Vakıf Bank, Halk Bankası, İş Bankası and Yapı Kredi Bankası) operating in Borsa İstanbul (BIST) between 2009-2024 using panel data analysis method.
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Key Findings & Data:Return on assets ratio (ROA) and return on equity ratio (ROE), which show the financial performance of banks, were selected as dependent variables and the findings were evaluated by establishing two different models.
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Conclusion & Impact:The results indicate that the ratio of digital banking customers to total customers has a significant and positive effect on both ROA and ROE.
🔬Design:Modeling & Simulation
📍Scope:2009-2024 Verileri
⚙️Variables:Dijital Bankacılık · Banka Performansı · Panel Veri Analiz.

Abstract

The aim of this study is to examine the effects of digital transformation on the financial performance indicators of deposit banks (Akbank, Garanti Bankası, Vakıf Bank, Halk Bankası, İş Bankası and Yapı Kredi Bankası) operating in Borsa İstanbul (BIST) between 2009-2024 using panel data analysis method. To assess the impact of digital transformation, the ratio of digital banking customers to total customers and the ratio of loans to total assets were selected as independent variables. Return on assets ratio (ROA) and return on equity ratio (ROE), which show the financial performance of banks, were selected as dependent variables and the findings were evaluated by establishing two different models. The results indicate that the ratio of digital banking customers to total customers has a significant and positive effect on both ROA and ROE. This suggests that digital transformation contributes to cost reduction and enhances bank profitability. Conversely, the loan-to-total-assets ratio was found to have a significant and negative effect on both financial performance indicators, indicating that higher loan intensity may adversely impact profitability.

Özet

Bu çalışmanın amacı, dijital dönüşümün 2009-2024 yılları arasında Borsa İstanbul’da (BIST) faaliyet gösteren mevduat bankalarının (Akbank, Garanti Bankası, Vakıf Bank, Halk Bankası, İş Bankası ve Yapı Kredi Bankası) finansal performans göstergeleri üzerindeki etkilerini panel veri analizi yöntemiyle incelemektir. Araştırmada dijital dönüşümün etkilerini belirlemek için dijital bankacılık müşteri sayısı/toplam müşteri sayısı ve krediler/toplam aktif oranı bağımsız değişkenler olarak belirlenmiştir. Bankaların finansal performansını gösteren aktif karlılık oranı (ROA) ve öz sermaye karlılık oranı (ROE) bağımlı değişkenler olarak seçilmiş ve iki farklı model kurularak bulgular değerlendirilmiştir. Çalışmanın sonucunda dijital bankacılık müşteri sayısı/toplam müşteri sayısının bankaların aktif karlılık ve özsermaye karlılık oranları üzerinde anlamlı ve pozitif bir etkisi olduğu görülmüştür. Bu durum bankaların maliyetlerini azaltmakta ve bankaların karlılıkları üzerinde olumlu bir etki yaratmaktadır. Krediler/toplam aktif oranı aktif karlılık ve öz sermaye karlılık oranları üzerinde anlamlı ve negatif etkisi olduğu tespit edilmiştir.

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Cite This Article

Adıgüzel, İ. (2026). THE IMPACT OF DIGITAL TRANSFORMATION ON DEPOSIT BANKS LISTED ON STOCK EXCHANGE ISTANBUL. Doğuş Üniversitesi Dergisi, Cilt: 27 Sayı: 1, 225–235. https://doi.org/10.31671/doujournal.1637905

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