The Effect of Gender Diversity on Credit Risk and Profitability in the Turkish Banking Sector

Year 2023, Volume: 57 Issue: 2, 343 - 364, 28.04.2023

Abdulmuttalip Pilatin

https://doi.org/10.51551/verimlilik.1145552

Abstract

Purpose: The aim of this study is to examine the effect of gender diversity of Turkish deposit banks on financial performance. For this purpose, non-performing loans (NPL) and loan loss provisions (LLP) are used as credit risk indicators, Z-Score as bankruptcy risk indicator, return on assets (RAO) and return on equity (ROE) are used as profitability indicators.

Methodology: As a method, fixed effects model was applied using resistant estimators.

Findings: The results show that the gender diversity of banks is negatively and significantly related to NPL, LLP, which is the credit risk indicator of the banks in the sector, and ROA and ROE, which are the profitability indicators. It has been observed that the gender diversity of banks significantly reduces the credit risk of banks. In terms of profitability, contrary to the hypotheses, there is a negative and significant relationship between gender diversity and profitability. These results were also reinforced by sensitivity analysis and it was determined that there are positive and significant relationships between gender diversity and profitability of banks that have a larger share in the banking sector. In addition, it was understood that there is a non-linear U-shaped relationship between gender diversity and profitability.

Originality: This study is one of the first studies in the literature on the gender diversity of banks at different levels.

Keywords

Gender Diversity, Credit Risk, Profitability, Non-Performing Loans, Z-Skor, Bank, Turkey

Türk Bankacılık Sektöründe Personelin Cinsiyet Çeşitliliğinin Kredi Riskine ve Kârlılığa Etkisi

Abstract

Amaç: Bu çalışmanın amacı, Türk mevduat bankalarının cinsiyet çeşitliliğinin finansal performans üzerindeki etkisini incelemektir. Bu amaçla çalışmada kredi riski göstergesi olarak takipteki krediler (NPL) ile kredi zarar karşılıkları (LLP), iflas riski göstergesi olarak Z-Skor, kârlılık göstergesi olarak ise aktif kârlılık (RAO) ile öz sermaye kârlılığı (ROE) kullanılmıştır.

Yöntem: Yöntem olarak dirençli tahminciler kullanılarak sabit etkiler modeli uygulanmıştır.

Bulgular: Sonuçlar, bankaların cinsiyet çeşitliliğinin sektördeki bankaların kredi risk göstergesi olan NPL, LLP ve kârlılık göstergeleri olan ROA, ROE ile negatif ve anlamlı şekilde ilişkili olduğunu göstermektedir. Bankaların cinsiyet çeşitliliğinin bankaların kredi riskini önemli ölçüde azalttığı görülmüştür. Kârlılıklar bakımından ise cinsiyet çeşitliliği ile kârlılık arasında hipotezlerin aksine negatif ve anlamlı ilişki olduğu ortaya çıkmasına rağmen sağlamlık analizlerinde bankacılık sektöründe daha büyük paya sahip bankaların cinsiyet çeşitliliği ile kârlılıkları arasında pozitif ve anlamlı ilişkiler olduğu belirlenmiştir. Cinsiyet çeşitliliği ile kârlılık arasında doğrusal olmayan U şeklinde bir ilişki olduğunu anlaşılmıştır.

Özgünlük: Bu çalışma, bankaların farklı kademelerdeki cinsiyet çeşitliliğiyle ilgili olarak literatürde yapılmış olan ilk çalışmalardan biridir.

Keywords

Cinsiyet Çeşitliliği, Kredi Riski, Kârlılık, Takipteki Krediler, Z-Skor, Banka, Türkiye

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