The banking sector plays a crucial role in the economy by providing financing and connecting lenders with borrowers. Different market structures affect how banks operate. Unlike other industries, banking has unique characteristics that make traditional competition policies less effective. Factors like information asymmetry and product costs create barriers for new banks to enter the market. A study on the Turkish banking sector looked at indicators of concentration, effectiveness, and intermediation functions to determine the market structure. The findings suggest that the Turkish banking sector operates in a market structure that allows banks to have a dominant position due to barriers to entry.