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PDQV J|VWHUGL÷L J|UOPHNWHGLU 'L÷HU |]HO VHUPD\HOLYH\DEDQFÕVHUPD\HOLEDQNDODUÕQ WHPHOELOHúHQVNRUODUÕQHJDWLIROGX÷XLoLQEX EDQNDODUEDúDUÕVÕ]ELUJ|UQPVHUJLOHPHN tedir. d2.%2<87/8g/d(./(0( $1$/ø=ø dRN%R\XWOXgOoHNOHPH$QDOL]LQHVQHOH ULDUDVÕQGDNLJL]OL\DSÕODUÕ\DNÕQOÕN|OoOHUL DUDFÕOÕ÷Õ LOH RUWD\D oÕNDUDQ oRN GH÷LúNHQOL ELUER\XWLQGLUJHPHPHWRGXGXU*L]OL\DSÕ ODUGDQV|]F÷LOHDQODWÕOPDNLVWHQHQQHV QHOHULQELUELUOHULLOHRODQNDUúÕOÕNOÕLOLúNLOHUL GLU%XWHNQLNVD\HVLQGHSVD\ÕGDNLGH÷LúNHQ \HULQH N VD\ÕGD ER\XW NXOODQÕODUDN S!N QHVQHOHULQNDUúÕODúWÕUPDOÕ\DSÕVÕJ|]OHQHELO <XNDUÕGDNLWDEORGDKHUEDQNDLoLQD\UÕD\UÕ

WHPHOELOHúHQVNRUODUÕHOGHHGLOPLúWLU$QD OL] VNRUODUÕQD J|UH SR]LWLI GH÷HUOHU WDúÕ\DQ EDQNDODUÕQ WRSODP PHYGXDW QHW IDL] JHOLU JLGHULWRSODPDNWLÀHUYHQHWG|QHPNDU]D UDU GH÷LúNHQOHUL DoÕVÕQGDQ QHJDWLI GH÷HUOHU WDúÕ\DQEDQNDODUDJ|UHGDKDEDúDUÕOÕROGX÷X NDEXO HGLOLU7HPHO ELOHúHQ VNRUODUÕQÕ LQFH OHGL÷LPL]GH 7UNL\H &XPKXUL\HWL =LUDDW %DQNDVÕ$ù¶ QLQ HQ \NVHN WHPHO ELOHúHQ VNRUXQDVDKLSROGX÷X+DELE%DQN/LPLWHW¶ LQLVHHQGúNWHPHOELOHúHQVNRUXQDVDKLS ROGX÷XJ|UOPHNWHGLU*HQHORODUDNEDNÕOGÕ ÷ÕQGD7UNL\H &XPKXUL\HWL =LUDDW %DQNDVÕ $ù 7UNL\H +DON %DQNDVÕ $ù 7UNL\H 9DNÕÀDU%DQNDVÕ7$27UNL\Høú%DQNDVÕ $ù7UNL\H*DUDQWL%DQNDVÕ$ù$NEDQN 7$ùYH<DSÕYH.UHGL%DQNDVÕ$ù¶QLQGL ÷HUEDQNDODUDJ|UHGDKDEDúDUÕOÕELUSHUIRU Toplam -4 -2 0 2 4 6 8 10 12 AKBAN K

Temel B ileşen S korları



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PHNWHGLUd%$QHVQHOHUDUDVÕQGDNDUúÕODú WÕUPD\DSDELOPHNLoLQJUD¿NVHOJ|VWHULPOHU VXQPDNWDGÕU 7HRULN DoÕGDQ LQFHOH\HFHN ROXUVDNQWDQHQHVQHSER\XWOXX]D\GDQRN WDODUNPHVLROXúWXUPDNWDGÕU%XWHNQLNLOH DPDoODQDQ HVDV úH\ EX QRNWDODU NPHVLQL RULMLQDOKDOLQLER]PDGDQGDKDGúNER\XW OXELUX]D\GDJ|VWHUHELOPHNWLU

øWHUDV\RQ 66WUHVV'H÷HUL ø\LOHúPH

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<XNDUÕGDNL WDEORGD 6WUHVV WDKPLQ HGLOHQ J|VWHULP X]DNOÕNODUÕ YH JHUoHN J|VWHULP X]DNOÕNODUÕ DUDVÕQGDNL X\XP L\LOL÷LQLQ |O oV RODQ VWUHV LVWDWLVWL÷L YH LWHUDV\RQ VR QXoODUÕ J|UOPHNWHGLU 6WUHVV LVWDWLVWL÷L LON LWHUDV\RQGDRODUDNKHVDSODQPÕúYH LWHUDV\RQ ¶GHQ GDKD \NVHN ELU L\L OHúPHQLQHOGHHGLOHPHGL÷LøWHUDV\RQDND GDUVUPúWULWHUDV\RQVRQXFXHOGHHGL OHQVWUHVVLVWDWLVWL÷L¶GHQNoN ROGX÷XLoLQWDKPLQLJ|VWHULPX]DNOÕNODUÕLOH JHUoHN J|VWHULP X]DNOÕNODUÕ DUDVÕQGD P NHPPHO GHUHFHGH ELU X\XP L\LOL÷LQLQ RO GX÷X V|\OHQHELOLU %XQD J|UH DQDOL]LQ LNL ER\XW NXOODQÕODUDN JHUoHNOHúWLULOHELOHFH÷LQL V|\OH\HELOLUL]

 %$1.$/$5 %2<87 %2<87 7UNL\H&XPKXUL\HWL=LUDDW%DQNDVÕ$ù    7UNL\H+DON%DQNDVÕ$ù    7UNL\H9DNÕÀDU%DQNDVÕ7$2    7UNL\Høú%DQNDVÕ$ù    7UNL\H*DUDQWL%DQNDVÕ$ù    $NEDQN7$ù    <DSÕYH.UHGL%DQNDVÕ$ù    7UN(NRQRPL%DQNDVÕ$ù    ùHNHUEDQN7$ù    $QDGROXEDQN$ù    $OWHUQDWLI%DQN$ù    7HNVWLO%DQNDVÕ$ù    7XUNLVK%DQN$ù    )LQDQV%DQN$ù    'HQL]EDQN$ù    +6%&%DQN$ù    ,1*%DQN$ù    )RUWLV%DQN$ù    &LWLEDQN$ù    (XUREDQN7HNIHQ$ù    'HXWVFKH%DQN$ù    7XUNODQG%DQN$ù    0LOOHQQLXP%DQN$ù    7KH5R\DO%DQNRI6FRWODQG19    %DQN0HOODW    $UDS7UN%DQNDVÕ$ù    6RFLpWp*pQpUDOH6$    :HVW/%$*    %LUOHúLN)RQ%DQNDVÕ$ù    +DELE%DQN/LPLWHG   



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<XNDUÕGDNL WDEORGD KHU EDQND LoLQ  YH  ER\XWODUDLOLúNLQNRRUGLQDWGH÷HUOHULJ|VWH ULOPHNWHGLU%XQDJ|UH7UNL\H&XPKXUL\H WL=LUDDW%DQNDVÕ$ù7UNL\H+DON%DQNDVÕ $ù7UNL\H9DNÕÀDU%DQNDVÕ7$27U NL\Høú%DQNDVÕ$ù7UNL\H*DUDQWL%DQ NDVÕ$ù$NEDQN 7$ù YH<DSÕ YH .UHGL %DQNDVÕ$ù¶QLQ  ER\XWWD \NVHN SR]LWLI GH÷HUOHU DOGÕNODUÕ LoLQ  ER\XW DoÕVÕQGDQ

Dimension  1 4 3 2 1 0 -­1 Dimension  2 1,0 0,5 0,0 -­0,5 -­1,0 VAR20 VAR19 VAR18 VAR17 VAR16 VAR15 VAR14 VAR13 VAR12 VAR11 VAR10 VAR9 VAR8 VAR7 VAR6 VAR5 VAR4 VAR3 VAR2 VAR1

Derived  Stimulus  Configuration



KRPRMHQ ELU \DSÕGD EXOXQPDNWD YH EHQ]HU |]HOOLNOHU WDúÕGÕNODUÕ J|UOPHNWHGLU g]HO VHUPD\HOL EDQNDODU NHQGL DUDODUÕQGD QLVSH WHQ GDKD D\UÕN ELU \DSÕGD EXOXQPDNWDGÕU +HULNLER\XWWDGDSR]LWLI\NOHUHVDKLSRODQ )LQDQVEDQN $ù 7UNL\H 9DNÕÀDU %DQND VÕ7$27UNL\Høú%DQNDVÕ$ù7UNL\H *DUDQWL%DQNDVÕ$ùLOH<DSÕYH.UHGL%DQ NDVÕ$ù¶QLQWRSODPPHYGXDWQHWIDL]JHOLU JLGHULWRSODPDNWLÀHUQHWG|QHPNDU]DUDU YHNUHGLYHDODFDNODUGH÷LúNHQOHULDoÕVÕQGD GL÷HUEDQNDODUDJ|UHGDKDLVWLNUDUOÕELUNR QXPGDROGXNODUÕJ|UOPHNWHGLU

<XNDUÕGDNL JUD¿NWH EDQNDODUÕQ ELUELUOHULQH J|UHNRQXPODUÕJ|VWHULOPHNWHGLUøNLER\XW OX JUD¿÷H J|UH J|UH 7UNL\H &XPKXUL\HWL =LUDDW %DQNDVÕ$ù7UNL\H +DON %DQNDVÕ $ù7UNL\H9DNÕÀDU%DQNDVÕ7$27U NL\Høú%DQNDVÕ$ù7UNL\H*DUDQWL%DQ NDVÕ$ù$NEDQN 7$ù YH<DSÕ YH .UHGL %DQNDVÕ$ù¶QLQGL÷HUEDQNDODUDJ|UHIDUNOÕ NRQXPODUGD EXOXQGX÷XQX V|\OH\HELOLUL] %X EDQNDODU DUDVÕQGDQ 7UNL\H &XPKXUL \HWL =LUDDW %DQNDVÕ $ù YH <DSÕ YH .UHGL %DQNDVÕ$ùGL÷HUOHULQHJ|UHGDKDD\UÕELU NRQXPGD EXOXQPDNWDGÕU <DEDQFÕ VHUPD \HOL EDQNDODU NHQGL LoHULVLQGH VRQ GHUHFH

Disparities 5 4 3 2 1 0 Distances 5 4 3 2 1 0

Scatterplot  of  Linear  Fit



*5$)ø./(5

$úD÷ÕGDEDQNDODUÕQWUOHULQHJ|UHRUWDODPD QHW IDL] JHOLU JLGHUL \]GHVHO GH÷HUOHULQH LOLúNLQ JUD¿N J|VWHULOPHNWHGLU%X JUD¿÷H J|UH NDPX EDQNDODUÕ DUDVÕQGDNL RUWDODPD QHWIDL]JHOLUJLGHULLoHULVLQGHHQE\NSD\Õ LOHNDPXEDQNDODUÕDOPDNWDGÕU.DPX EDQNDODUÕQGDQVRQUDRUDQLOH|]HOVHU PD\HOLEDQNDODUYHLOH\DEDQFÕVHUPD \HOLEDQNDODUJHOPHNWHGLU <XNDUÕGDNLJUD¿NWHIDUNOÕOÕNODUYHX]DNOÕNODU DUDVÕQGDNLLOLúNLQLQGR÷UXVDOROGX÷XJ|UO PHNWHGLU%XGDHOGHHGLOHQWDKPLQLX]DNOÕN GH÷HUOHULQLQJHUoHNGH÷HUOHULOHVRQGHUHFH WXWDUOÕ ROGX÷XQXQ YH DQDOL]LQ JHoHUOL ROGX ÷XQXQJ|VWHUJHVLGLU

69% 29%

2%

K amus al_S ermayeli_Mevduat_B ankaları Ö zel_S ermayeli_Mevduat_B ankaları Y abancı_S ermayeli_B ankalar O rtalama Net F aiz G eliri/G ideri

B anka Türü

$úD÷ÕGDNLJUD¿NWHEDQNDODUÕQWUOHULQHJ|UH RUWDODPDWRSODPPHYGXDWHGH÷HUOHULQHLOLú NLQ JUD¿N J|VWHULOPHNWHGLU 2UWDODPD WRS ODPPHYGXDWLoHULVLQGHNLHQE\NSD\

LOHNDPXEDQNDODUÕQDDLWWLUg]HOVHUPD \HOLEDQNDODURUWDODPDWRSODPPHYGXDWLoH ULVLQGHYH\DEDQFÕVHUPD\HOLEDQNDODU ¶OLNSD\RUDQÕQDVDKLSWLU



LOHNDPXEDQNDODUÕDOPDNWDGÕUg]HO VHUPD\HOL EDQNDODU RUWDODPD WRSODP PHY GXDWLoHULVLQGHYH\DEDQFÕVHUPD\HOL EDQNDODU¶OLNSD\RUDQÕQDVDKLSWLU $úD÷ÕGDNLJUD¿NWHEDQNDODUÕQWUOHULQHJ|UH

RUWDODPD QHW G|QHP NDU]DUDU HGH÷HUOHULQH LOLúNLQJUD¿NJ|VWHULOPHNWHGLU2UWDODPDQHW G|QHPNDU]DUDULoHULVLQGHNLHQE\NSD\Õ

74% 25%

1%

K amus al_S ermayeli_Mevduat_B ankaları Ö zel_S ermayeli_Mevduat_B ankaları Y abancı_S ermayeli_B ankalar O rtalama Toplam Mevduat

B anka Türü

76% 22%

2%

K amusal_S ermayeli_Mevduat_B ankaları Özel_S ermayeli_Mevduat_B ankaları Yabancı_S ermayeli_B ankalar Ortalama Net Dönem K arı/Zararı



WHGLU g]HO VHUPD\HOL EDQNDODU DUDVÕQGDQ <DSÕYH.UHGL%DQNDVÕ*DUDQWL%DQNDVÕYH $NEDQN WRSODP PHYGXDW GH÷HUOHUL DoÕVÕQ GDQQLVSHWHQGDKDEDúDUÕOÕELUJ|UQPVHU gilemektedir.  

$úD÷ÕGDNL JUD¿NWH WP EDQNDODUD LOLúNLQ WRSODPPHYGXDWGH÷HUOHULQHDLWoXEXNJUD ¿÷L J|VWHULOPHNWHGLU %X JUD¿÷H J|UH HQ \NVHNWRSODPPHYGXDWDVDKLSEDQND=LUDDW EDQNDVÕGÕU =LUDDW EDQNDVÕQÕ +DON EDQNDVÕ øúEDQNDVÕYH9DNÕÀDUEDQNDVÕWDNLSHWPHN 0 10000000 20000000 30000000 40000000 50000000 60000000 70000000 80000000 AKBAN K ALTE RNAT İF ANAD OLU ARAP TÜRK BAN KM ELLA T BİR LEŞİ KFO N CİTİ BAN K DENİ Z DEUT SCH E EURO BAN K FİNA NS FORT İS GAR ANTİ HABİ BBAN K HALK BANK HSBC IN G İŞBA NK MILL ENIU M ROYA LBAN K SOC IET E ŞEKE RBAN K TEB TEKS TİL TUR KİSH TUR KLAN D VAKI FLAR WE STLB YAPI KRED İ ZİRA AT Toplam_Mevduat B ankalar w q $úD÷ÕGDNLJUD¿NWHWPEDQNDODUDLOLúNLQQHW IDL]JHOLUJLGHUGH÷HUOHULQHDLWoXEXNJUD¿÷L J|VWHULOPHNWHGLU *UD¿NWHNL GH÷HUOHUH J|UH HQ \NVHN QHW IDL] JHOLUJLGHU GH÷HUOHULQH VDKLS EDQND =LUDDW EDQNDVÕGÕU =LUDDW EDQ NDVÕQÕ+DONEDQNDVÕøúEDQNDVÕYH9DNÕÀDU

EDQNDVÕ WDNLS HWPHNWHGLU g]HO VHUPD\HOL EDQNDODU DUDVÕQGDQ<DSÕ YH .UHGL %DQNDVÕ *DUDQWL%DQNDVÕYH$NEDQNWRSODPPHYGX DWGH÷HUOHULDoÕVÕQGDQQLVSHWHQGDKDEDúDUÕOÕ ELUJ|UQPVHUJLOHPHNWHGLU



+DONEDQNDVÕWDNLSHWPHNWHGLUg]HOVHUPD \HOLEDQNDODUDUDVÕQGDQøúEDQNDVÕ<DSÕYH .UHGL EDQNDVÕ LOH *DUDQWL EDQNDVÕ QHW G| QHPNDU]DUDUGH÷HUOHULDoÕVÕQGDQGL÷HU\D EDQFÕYH|]HOVHUPD\HOLEDQNDODUDJ|UHGDKD EDúDUÕOÕGÕUODU

$úD÷ÕGDNLJUD¿NWHWPEDQNDODUDLOLúNLQQHW G|QHPNDU]DUDUGH÷HUOHULQHDLWoXEXNJUD ¿÷L J|VWHULOPHNWHGLU *UD¿NWHNL GH÷HUOHUH J|UHHQ\NVHNQHWG|QHPNDU]DUDUGH÷HU OHULQHVDKLSEDQND=LUDDWEDQNDVÕGÕU=LUDDW EDQNDVÕQÕ øú EDQNDVÕ 9DNÕÀDU EDQNDVÕ YH

Toplam -500000 0 500000 1000000 1500000 2000000 2500000 3000000 3500000 4000000 4500000 AKBAN K ALTE R NAT İF ANAD OLU ARAP TÜR K BANK MELL AT BİRLE Ş İKF ON CİTİB ANK DEUT S CHE E UR O BANK GAR A NTİ HABİB BANK HALK BANK MILL E NIU M R OYA LBAN K S OC I E TE Ş EKE R BAN K TUR K İSH TUR K LAND VAKI FLAR YAPI KRED İ Toplam Net F aiz G eliri/G ideri

B ankalar -500000 0 500000 1000000 1500000 2000000 2500000 AKBAN K

Net Dönem K ar/Zarar



VDKLSROGXNODUÕV|\OHQHELOLU

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