THE EFFECT OF COMPETITION, CONCENTRATION AND FINANCIAL INCLUSION ON BANK STABILITY

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Turkish Business Journal
Cilt: 6 Sayı: 11
THE EFFECT OF COMPETITION, CONCENTRATION AND FINANCIAL INCLUSION ON BANK STABILITY

THE EFFECT OF COMPETITION, CONCENTRATION AND FINANCIAL INCLUSION ON BANK STABILITY

Pages : 53-64

View : 31 | Download : 44

Publication Date : 2025-06-30

Article Type : Research Paper

Abstract :This paper examines the effects of competition, concentration and financial inclusion on bank stability in the Turkish banking industry from 2010 to 2020. Regarding the question of whether competition promotes stability or fragility, the literature often takes one of two positions. Within the scope of this study, the level of competition of the Turkish banking sector is determined by Panzar-Rosse model while k-bank concentration and HHI are used as a proxy of concentration level. The results of the study provide support for the competition-stability view, which is frequently supported in the literature. The study has enhanced the literature by incorporating financial inclusion into the stability-competition-concentration framework. The results also indicate that financial inclusion has a positive effect on variables other than capital.
Keywords : Rekabet, Yoğunlaşma, İstikrar, Finansal tabana yayılma

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