The Impact of Financial Crisis on the Commercial Bank Net Interest Margins: Evidence from the Turkish Banking Industry

International Journal of Contemporary Economics and Administrative Sciences

View Publication Info
 
 
Field Value
 
Title The Impact of Financial Crisis on the Commercial Bank Net Interest Margins: Evidence from the Turkish Banking Industry
 
Creator Taşkın, F. Dilvin
 
Description This paper investigates the impact of financial crisis on the determinants of bank interest rate margin (NIM) in Turkey over the period 1995-2017. The sample period is divided into two sub-periods: Pre-crisis period (1995-2000) and post-crisis period (2002-2017). The NIMs are specified as a function of bank and market-specific variables, such as operating cost, liquidity, credit risk, implicit interest payments, size, managerial efficiency, and concentration. The differences between two time periods could be explained by the differences in the legal, financial and macroeconomic environment. Competition seems to be more intense in the post-crisis period. The new regulatory and macroeconomic environment has enhanced the level of bank competition. Particularly, competitive pressure from foreign banks will lead domestic banks to enhance the quality and range of financial products offered in near future. Policy makers should promote mergers and acquisitions in order to increase scale of banks operating in the sector. Exploitation of the scale economics seems to be important in decreasing interest rate spread in the Turkish banking sector. 
 
Publisher International Journal of Contemporary Economics and Administrative Sciences
 
Date 2019-12-31
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
 
Format application/pdf
 
Identifier http://www.ijceas.com/index.php/ijceas/article/view/331
10.5281/zenodo.3596108
 
Source International Journal of Contemporary Economics and Administrative Sciences; Vol 9 No 2 (2019): IJCEAS; 428-442
1925-4423
 
Language eng
 
Relation http://www.ijceas.com/index.php/ijceas/article/view/331/226
 
Rights Copyright (c) 2019 International Journal of Contemporary Economics and Administrative Sciences
http://creativecommons.org/licenses/by/4.0
 

Contact Us

The PKP Index is an initiative of the Public Knowledge Project.

For PKP Publishing Services please use the PKP|PS contact form.

For support with PKP software we encourage users to consult our wiki for documentation and search our support forums.

For any other correspondence feel free to contact us using the PKP contact form.

Find Us

Twitter

Copyright © 2015-2018 Simon Fraser University Library