T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcn\u00fcn 2012 y\u0131l sonuna ili\u015fkin resmi ve toplu verileri 28 May\u0131s itibariyle yay\u0131nlanm\u0131\u015f bulunmaktad\u0131r.
\nBug\u00fcnden itibaren yay\u0131nlanan verileri \u00e7e\u015fitli bak\u0131\u015f a\u00e7\u0131lar\u0131 ile analiz edece\u011fim.
\n\u0130lk de\u011ferlendirmenin genel b\u00fcy\u00fckl\u00fckler a\u00e7\u0131s\u0131ndan olmas\u0131n\u0131n uygun olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fcm.
\nT\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcn\u00fcn genel karakteristik \u00f6zellikleri dikkate al\u0131nd\u0131\u011f\u0131nda, tipik oligopol piyasa yap\u0131s\u0131na sahip oldu\u011funu s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.
\nBu anlamda piyasada faaliyette bulunan en b\u00fcy\u00fck bankalar\u0131n sekt\u00f6rden ald\u0131klar\u0131 paylar\u0131ndaki genel de\u011fi\u015fimi 2012 y\u0131l sonu verilerini de dikkate alarak de\u011ferlendirmeye tabi tutmakta yarar bulunmaktad\u0131r.
\n2008 2009 2010 2011 2012
\n\u0130lk 5 Banka
\nAktif 62 63 63 61 60
\nMevduat 65 66 66 62 61
\nKredi 58 55 57 58 56
\n\u0130lk 10 Banka
\nAktif 86 87 87 87 87
\nMevduat 90 91 91 91 91
\nKredi 84 85 86 87 86
\nKaynak: TBB
\nT. Bankalar Birli\u011fi\u2019nin a\u00e7\u0131klam\u0131\u015f oldu\u011fu veriler \u00e7er\u00e7evesinde, sekt\u00f6rde faaliyette bulunan 45 bankan\u0131n aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc a\u00e7\u0131s\u0131ndan ilk 5 s\u0131ras\u0131nda bulunan bankalar\u0131n s\u0131ralamas\u0131nda bir de\u011fi\u015fiklik olmad\u0131\u011f\u0131 g\u00f6r\u00fclmektedir. \u0130lk 5 bankan\u0131n aktif, mevduat ve kredi b\u00fcy\u00fckl\u00fckleri a\u00e7\u0131s\u0131ndan toplam i\u00e7indeki paylar\u0131nda k\u00fc\u00e7\u00fck oranda gerileme g\u00f6r\u00fclmektedir.
\nAktif b\u00fcy\u00fckl\u00fc\u011f\u00fc a\u00e7\u0131s\u0131ndan ilk 10 banka de\u011ferlendirildi\u011finde ise, bu grubunun aktif ve mevduat paylar\u0131 ayn\u0131 kal\u0131rken, kredi pay\u0131nda 1 puanl\u0131k gerileme oldu\u011fu g\u00f6r\u00fclmektedir.
\nBu durumda, ilk 5 banka aktif, kredi ve mevduat paylar\u0131nda gerileme g\u00f6sterirken, bu bankalar\u0131 takip eden 2. b\u00fcy\u00fck 5 banka daha h\u0131zl\u0131 b\u00fcy\u00fcme g\u00f6stererek, ilk 10 bankan\u0131n i\u00e7indeki toplam paylar\u0131n\u0131n korunmas\u0131n\u0131 sa\u011flam\u0131\u015flard\u0131r. Bu durumda rekabet a\u00e7\u0131s\u0131ndan 2. b\u00fcy\u00fck 5 banka grubunu olu\u015fturan bankalar\u0131n zorlu ve ba\u015far\u0131l\u0131 bir performans g\u00f6sterdikleri ifade edilebilir.
\nDi\u011fer bir bak\u0131\u015f a\u00e7\u0131s\u0131 ile son iki y\u0131l yerine son 5 y\u0131l\u0131 de\u011ferlendirildi\u011finde ise \u015f\u00f6yle bir tablo ortaya \u00e7\u0131kmaktad\u0131r:
\n– En b\u00fcy\u00fck 5 banka toplam aktif, kredi ve mevduattan ald\u0131klar\u0131 paylar\u0131n\u0131 koruyamam\u0131\u015ft\u0131r. 5 y\u0131ll\u0131k d\u00f6nem i\u00e7inde en b\u00fcy\u00fck 5 bankan\u0131n aktif toplam\u0131ndan ald\u0131\u011f\u0131 pay 2 puan, mevduat toplam\u0131ndan ald\u0131\u011f\u0131 pay 4 puan, kredi toplam\u0131ndan ald\u0131\u011f\u0131 pay ise 2 puan gerilemi\u015ftir.
\n– En b\u00fcy\u00fck 10 bankan\u0131n ise toplam aktif, kredi ve mevduattan ald\u0131klar\u0131 paylar\u0131nda art\u0131\u015f olmu\u015ftur.
\n5 y\u0131ll\u0131k d\u00f6nem i\u00e7inde en b\u00fcy\u00fck 10 banka aktif ve mevduat paylar\u0131n\u0131 1\u2019er puan art\u0131r\u0131rken, kredideki pay art\u0131\u015f\u0131 2 puan olarak ger\u00e7ekle\u015fmi\u015ftir.
\nBu durumda en b\u00fcy\u00fck 10 banka grubu i\u00e7inde yer alan 6. ila 10. s\u0131ra aras\u0131ndaki bankalar\u0131n son 5 y\u0131ll\u0131k d\u00f6nem i\u00e7indeki b\u00fcy\u00fcme performanslar\u0131n\u0131n, ilk 1. ila 5. s\u0131ra aras\u0131nda yer alan bankalara g\u00f6re olduk\u00e7a y\u00fcksek oldu\u011fu g\u00f6r\u00fclmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcn\u00fcn 2012 y\u0131l sonuna ili\u015fkin resmi ve toplu verileri 28 May\u0131s itibariyle yay\u0131nlanm\u0131\u015f bulunmaktad\u0131r. Bug\u00fcnden itibaren yay\u0131nlanan verileri \u00e7e\u015fitli bak\u0131\u015f a\u00e7\u0131lar\u0131 ile analiz edece\u011fim. \u0130lk de\u011ferlendirmenin genel b\u00fcy\u00fckl\u00fckler a\u00e7\u0131s\u0131ndan olmas\u0131n\u0131n uygun olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnd\u00fcm. T\u00fcrk Bankac\u0131l\u0131k Sekt\u00f6r\u00fcn\u00fcn genel karakteristik \u00f6zellikleri dikkate al\u0131nd\u0131\u011f\u0131nda, tipik oligopol piyasa yap\u0131s\u0131na sahip oldu\u011funu s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr. Bu anlamda piyasada faaliyette […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":26,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/pages\/39"}],"collection":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":2,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/pages\/39\/revisions"}],"predecessor-version":[{"id":41,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/pages\/39\/revisions\/41"}],"up":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/pages\/26"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}