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Journals / BDDK Bankacılık ve Finansal Piyasalar Dergisi / 2026 / Cilt: 7 Sayı: 1

Income Diversification and Bank Performance: E Evidence From Turkish Banking Sector

Gelir Çeşitlendirmesi ve Banka Performansı: Türk Bankacılık Sektöründen Bulgular

Ali Osman Gürbüz(İstanbul Ticaret Üniversitesi, Ticari Bilimler Fakültesi, Bankacılık ve Finans Bölümü)
Serhat Yanık(İstanbul Üniversitesi, Siyasal Bilgiler Fakültesi, İşletme Bölümü.)
Yusuf Aytürk(İstanbul Üniversitesi, Siyasal Bilgiler Fakültesi, İşletme Bölümü.)
Pages
9–29
Publication Date
2013-06-01
DOI
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AI Summary & Key Takeaways

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

Our empirical results indicate that income diversification increases risk-adjusted financialperformance of Turkish deposit banks

📌 3 Key Takeaways

🎯
Objective & Hypothesis:In this study, relationship between non-interest income generating activities income diversification and risk-adjusted bank performance is investigated by using yearly data of Turkish deposit banks for the period of 2005 – 2011.
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Key Findings & Data:System Generalized Method of Moments System-GMM estimators are used in this study with an unbalanced panel dataset of 26 banks.
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Conclusion & Impact:Our empirical results indicate that income diversification increases risk-adjusted financialperformance of Turkish deposit banks
🔬Design:Makale
📍Scope:2005 – 2011 Verileri
⚙️Variables:Gelir çeşitlendirmesi · Türk bankacılık sektörü · faiz dışı gelir

Abstract

In this study, relationship between non-interest income generating activities income diversification and risk-adjusted bank performance is investigated by using yearly data of Turkish deposit banks for the period of 2005 – 2011. System Generalized Method of Moments System-GMM estimators are used in this study with an unbalanced panel dataset of 26 banks. Our empirical results indicate that income diversification increases risk-adjusted financialperformance of Turkish deposit banks

Özet

Bu çalışmada, faiz dışı gelir yaratan faaliyetler gelir çeşitlendirmesi ve riske göre düzeltilmiş banka performansı arasındaki ilişki, Türk mevduat bankalarına ait 2005 – 2011 dönemi yıllıkverileri kullanılarak incelenmektedir. Bu çalışmada, sistem genel momentler yöntemi SistemGMM tahmincileri, 26 bankanın yer aldığı dengesiz bir panel veri setiyle kullanılmaktadır. Ampirik sonuçlarımız, gelir çeşitlendirmesinin Türk mevduat bankalarının riske göre düzeltilmiş finansal performansını arttırdığını göstermektedir

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Cite This Article

Gürbüz, A. O., Yanık, S., Aytürk, Y. (2013). Income Diversification and Bank Performance: E Evidence From Turkish Banking Sector. BDDK Bankacılık ve Finansal Piyasalar Dergisi, Cilt: 7 Sayı: 1, 9–29. https://ajindex.com/articles/1193863

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References (16)

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  12. Mercieca, S. Schaeck K. and Wolfe S. (2007). Small European Banks: Benefits from Diversification?. Journal of Banking and Finance. 31: 1975-1998.
  13. Sanya, S. and Wolfe, S. (2011). Can Banks in Emerging Economies Benefit from Revenue Diversification?. Journal of Financial Services Research. 40: 79- 101.
  14. Stiroh K. J. (2004a). Diversification in Banking: Is Noninterest Income the Answer?. Journal of Money, Credit and Banking. 36(5): 853-882.
  15. Stiroh K. J. (2004b). Do Community Banks Benefit from Diversification?. Journal of Financial Services and Research. 25(2/3): 135-160.
  16. Stiroh, K.J. and Rumble, A. (2006). The Dark Side of Diversification: The Case of US Financial Holding Companies. Journal of Banking and Finance. 30: 2131-2161.