COVID-19 Sürecinde Türk Bankacılık Sektörü ve Piyasa Yoğunlaşmasının Analizi
Analysis of Turkish Banking Sector and Market Concentration During COVID-19

Summary/Abstract: In this study, it is aimed to analyze the effect of the regulations during the COVID-19 outbreak on the financial statements of the banks and market concentration of the sector by using the monthly data of the Turkish Banking Sector for the period 2019:12-2020:12. The impact of the COVID-19 outbreak on the financial structure of banks discussed in terms of loans, profitability, capital and asset quality. In the scope of market concentration analysis, the Herfindal Hirschman index was calculated for the end of 2019 and 2020, comments were made on the change of the index. As a result, it was observed that total loans increased with COVID-19 regulations, and state-owned deposit banks came to the fore in the increase. It is determined that state-owned banks negatively differentiated from other bank groups in terms of profitability and their capital adequacy ratios was below the sector average due to the task they undertook to stimulate the market. According to results of the concentration index, concentration of asset shares and total loans increased in the post-COVID-19 period, and the dominance of the state-owned deposit banks in the banking sector increased.

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