Türkiye Bankacılık Sektöründe Yoğunlaşma İle Finansal Kırılganlık İlişkisi
The Relationship Between Concentration And Financial Fragility in Turkey Banking Sector

Summary/Abstract: In areas where the banking sector operates, the dynamics and complexity of events continue to increase the degree of uncertainty day by day. Many banks are more vulnerable to financial fragility as global commodities in the world become more widespread, sudden volatility movements in exchange rates, lived crises, changing market conditions, new legal regulations, and fluctuations in interest rates can affect banks' capital and operating cash flows. In the banking sector, it is important to increase the performance of the bank, to evaluate strategic opportunities and to reveal the situations that would prevent the banking activities from being determined correctly in the competitive environment, or to reveal the relation between competition and financial fragility before the realization of possible risks. In the light of these living developments, the importance of related studies are increasing the importance of the relationship between the level of competition and the financial vulnerabilities in the banking sector day by day. In this study, it is aimed to reveal the degree of relationship between factors in Turkish banking sector and the effect of concentration on financial fragility and financial fragility. In most of the literature studies, this relationship has been dealt with in the context of the relation between competition-stability and fragility. In the dataset, data belonging to 12 banks in the banking sector having a significant share in the Turkish banking sector were used for the years 1996-2015. In this respect, Auqmented Dickey-Fuller Test equations, Breusch-Godfrey Series Correlation Lagrange multiplier test, Granger Causality analysis and Least squares test statistical methods were used. As a result of the study, there was a mutual interaction between banking sector concentration and financial fragility.

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