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The Effect of Maturity Structures of Bank Assets and Liabilities on Performance: An Empirical Implementation on Deposit Banks in Turkey

Author

Listed:
  • Akın Taylan Alkan

    (Istanbul Commerce University)

  • Hicabi Ersoy

    (Istanbul Commerce University)

  • Mefule Fındıkçı Erdoğan

    (Istanbul Commerce University)

Abstract

The increasing role of the financial system in the economy as a result of the global structure, technological progress, and the interdependence of financial institutions has led to the emergence of the importance of stability in the banking sector. For this reason, the financial system has become undeniable in terms of the economic policies of the countries. In a capital-intensive economy, the banking sector is the building block of the financial system. Therefore, profitability and growth in the banking sector are in a position to support economic development. This study, it is aimed to examine the effect of the maturity structure of loans and deposits in bank balance sheets on bank performance. In this context, how the net interest margin, which is an one indicator banks' profitability, is affected by deposit and loan maturities was analyzed with the censored tobit model method for the 2003-2019 period. The study shows that changes in the maturity structure of loans have an effect on the net interest margin in periods when interest rates increase.

Suggested Citation

  • Akın Taylan Alkan & Hicabi Ersoy & Mefule Fındıkçı Erdoğan, 2022. "The Effect of Maturity Structures of Bank Assets and Liabilities on Performance: An Empirical Implementation on Deposit Banks in Turkey," Journal of Finance Letters (Maliye ve Finans Yazıları), Maliye ve Finans Yazıları Yayıncılık Ltd. Şti., vol. 37(117), pages 233-246, April.
    • Handle: RePEc:acc:malfin:v:37:y:2022:i:117:p:233-246
    DOI: https://doi.org/10.33203/mfy.1082190
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    More about this item

    Keywords

    Banking Performance Analysis; Maturity Structures of Assets and Liabilities; Dynamic Censored Tobit Model;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G00 - Financial Economics - - General - - - General

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