Does Intellectual Capital Affect Financial Performance and Non-Performing Loans? Evidence From the Banking Sector in Turkey

PİLATİN, Abdulmuttalip; AYAYDIN, Hasan; BARUT, Abdulkadir

doi:10.46520/bddkdergisi.1348086

BDDK Bankacılık Ve Finansal Piyasalar Dergisi

2023

DOI: 10.46520/bddkdergisi.1348086

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Does Intellectual Capital Affect Financial Performance and Non-Performing Loans? Evidence From the Banking Sector in Turkey

Abdulmuttalip PİLATİN,

Hasan AYAYDIN,

Abdulkadir BARUT

Abstract: The purpose of this study is to empirically examine the impact of intellectual capital (VAIC) capacity of 21 Turkish banks on financial performance (ROA) and non-performing loans (NPL) from 2004 to 2020. Panel data technique was used for analysis. The study results suggest that banks’ intellectual capital is vital for their profitability, credit risk and competitive advantage. As far as known, this is one of the first empirical researches in Turkey that examines the impact of IC a… Show more

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2024

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Cited by 2 publications

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Intellectual capital and asset quality: A nonlinear investigation in the Turkish Banking sector

Ozkan,

Zeytinoglu

2024

Borsa Istanbul Review

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Intellectual capital and asset quality: A nonlinear investigation in the Turkish Banking sector

Ozkan,

Zeytinoglu

2024

Borsa Istanbul Review

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Moderating role of big data usage in intellectual capital and innovation performance: evidence from Turkish banking sector

Pilatin

2024

JIC

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PurposeIn this study, the moderator effect of the use of big data by Turkish banks on the innovation performance of the intellectual capital components, human capital, structural capital, and relational capital is discussed.Design/methodology/approachIn the research, 618 survey data applied to bank employees and weighted according to population in seven regions were used. The data were analyzed through the structural equation model.FindingsAccording to the empirical results, intellectual capital components and big data usage explain 65% of the variance in innovation performance. It has been determined that the other two components of intellectual capital, except structural capital, have a statistically significant effect on innovation performance. According to the Standardized Regression Weights, one unit change in human capital affects innovation performance by 0.162, and one unit change in relational capital affects innovation performance by 0.244. In addition, a one-unit change in big data usage affects innovation performance by 0.480. It has been understood that the use of big data significantly affects the innovation performance of banks with a rate of 0.480.Research limitations/implicationsAlthough this study is important, it could have been done with senior managers instead of being based on a survey. Instead of a survey, it could have been done with a data set taken from banks' balance sheets and tables. Additionally, the use of big data has been considered as a moderator but can be reconsidered as a mediator or external construct. Moreover, this study was conducted on a sample of participants working in the developing Turkish commercial banking sector. Therefore, the results of the study can be done in different countries and at different development levels.Originality/valueThe study is one of the first studies to examine the moderating effect of intellectual capital by considering its subcomponents in a developing country. In addition, it is thought that the results will contribute to managers, policy makers and researchers who want to increase competition and market share in the sector, as well as filling the gap in the literature.

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Does Intellectual Capital Affect Financial Performance and Non-Performing Loans? Evidence From the Banking Sector in Turkey

Cited by 2 publications

References 35 publications

Intellectual capital and asset quality: A nonlinear investigation in the Turkish Banking sector

Intellectual capital and asset quality: A nonlinear investigation in the Turkish Banking sector

Moderating role of big data usage in intellectual capital and innovation performance: evidence from Turkish banking sector

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