Mevduat Buyuklugune Gore Faizlerdeki Ayrismayi Etkileyen Faktorler

[TR] Bankalarin mevduata uyguladiklari faiz oranlari mevduat buyukluklerine gore belirgin olarak ayrismakta ve kucuk tutarli mevduata buyuk tutarli mevduata gore daha dusuk faiz orani uygulanmaktadir. Yuksek ve dusuk tutarli mevduat faiz oranlari arasindaki farkin enflasyon beklentilerinin bozuldugu ve para politikasinin sikilastigi donemlerde yukseldigi izlenmektedir. Mevduat buyuklugune gore faiz ayrismasinin boyutu, analiz edilen tum donemlerde bankalarin buyuklugune duyarliyken, bankalarin likiditesi de soz konusu ayrismada etkili olabilmektedir. Son olarak, soz konusu ayrismanin politika duzenlemelerine de duyarli oldugu ve ozellikle Turk lirasina gecis hedeflerinin uygulanmakta oldugu 2022 yili son ceyregi sonrasinda faiz farklilasmasinin arttigi gozlenmektedir. [EN] The interest rates applied by banks to deposits differ significantly according to the size of the deposits, and compared to large-amount deposits, the interest rates are lower in small-amount deposits. The difference between the interest rates of large- and small-amount deposit increases in periods when inflation expectations deteriorates and monetary policy tightens. The extent of interest rate divergence between large- and small-amount deposits is sensitive to the size of banks in the whole analysis period, while the liquidity of banks can also be effective in this divergence. Finally, it is observed that the divergence in question is also affected by regulations, and the interest rate divergence has increased with the implementation of the transition targets to Turkish lira especially after the last quarter of 2022.