Article Title

Net Interest Margin [NIM] in Turkish Financial Sector


Interest Margin in Turkey, Interest Rate Risk, NIM and Resilience.


Recently, movements in the financial markets have demonstrated that management of net interest margin (NIM) is important for the well functioning of the financial sector in general and banking sector in particular. In this regard, net interest margin (NIM) accepted as the main indicator of financing balance and profitability of the banking sector and hence its stability and improved capacity for financing of sustainable real economic growth. According to literature, asset, liability and equity structure, non-interest income such as fees & commission, market concentration and efficiency, quality of management and some economic variables have been considered as factors affecting the NIM. This paper mainly investigates the relationship of NIM of the selected banking groups in Turkey with the macroeconomic, market and banking sector specific variables. It has also been identified whether the ownership affect the reaction of the NIM to explanatory variables.



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