Commercial bank credits

Creating credit is the main income-generating activity for banks. However, granting credit always comes with risks. Credit risk is the risk of losing part or all of a debt due to failure to pay on time or default. Credit risk is considered the most important risk affecting banking performance.

13p viwalton 02-07-2024 1 1   Download

The study highlights the challenges that banks need to consider during the digital transformation process, specifically credit risk management to be able to take full advantage of the benefits brought by digital transformation.

12p viwalton 02-07-2024 7 1   Download

LPBank a relatively young joint-stock commercial bank, has identified its direction as being a market-responsive leader. To effectively compete with domestic and international counterparts, LPBank requires sustainable business solutions to increase income.

9p leminhvu111 07-06-2024 1 0   Download

"Impact mechanism between digital transformation, fintech status and risk taking of Vietnamese commercial banks" following conclusions are drawn: (1) Digital transformation has a significant positive impact on the fintech status of commercial banks; and (2) Bank fintech innovation and application increases bank credit and liquidity risk but reduces insolvency risk. This article adds to the theoretical and empirical evidence on the role of fintech in banks’ risk taking. Thereby, the article proposes some recommendations from a micro perspective for commercial banks.

11p dathienlang1012 03-05-2024 1 0   Download

In this article, the author systematically generalizes in order to clarify the theoretical basis of credit quality, to recognize the current situation of credit quality at Vietnamese commercial banks in the period of 2018 - 2022.

9p longtimenosee09 08-04-2024 2 1   Download

In this paper, the author studies the impact of capital adequacy ratio on credit performance of Vietnamese commercial banks for both growth and credit risk aspects. Evaluate in detail and compare the difference of this relationship between commercial banks with different characteristics. Proposing a number of recommendations to help bank administrators and regulators be more proactive when assessing the impact of capital adequacy ratio on the individual characteristics of each bank.

10p longtimenosee09 08-04-2024 3 1   Download

The paper considers the issue of operational risk management in Russian commercial banks. The correlation and regression analysis also revealed the dependence of the operational risk level on liquidity risks (current and long-term liquidity ratios) and crediting risks (the amount of overdue debt, the aggregate risk for bank insiders, and reserves for possible losses on loans and equivalent debt)

7p longtimenosee09 08-04-2024 2 1   Download

The supply chain has major impact on the company's business strategy directly affecting its operational costs. The article presents the organizational basis for the internal control functioning of the commercial bank supply chain policy. The subject of this paper is the analysis of various fields of internal audit of the supply chain as well as evaluating the characteristics of individual elements of the chain with consideration to appropriateness and integration of those elements.

4p longtimenosee04 06-03-2024 2 1   Download

This study is an attempt to examine the determinants of Vietnamese commercial bank profitability under the moderating role of bank size. It uses the balanced panel data of 25 Vietnamese commerical banks in the period 2009-2021 and applies several regression estimation techniques such as FEM, REM, FGLS and PCSE.

11p vimichaelfaraday 28-12-2023 9 4   Download

The research was conducted to understand the impact of credit risk management on the financial stability of 27 Vietnamese commercial banks. From the research results, the authors proposed some implications for credit risk management and solutions to promote financial stability for banks. The study used secondary data obtained from audited financial statements of banks in the period 2006 - 2020.

14p vifriedrich 06-09-2023 6 4   Download

The study seeks to test factors that can influence the credit risk of individual consumer borrowers of commercial banks in Vietnam through the use of discriminant analysis. Age, number of dependents, years in current job and salary are independent variables relating to demographic and socioeconomic condition of borrowers while loan amount is independent variable relating to characteristic of the loan

9p viberkshire 09-08-2023 7 4   Download

Loan portfolio management plays important role in risk controlling system of commercial banks. The crucial idea of this paper is to examine theoretically two econometric models which can be used for loan portfolio management. These two models are credit portfolio view model and evaluation model of a commercial bank loan portfolio. The first model, credit portfolio model, provide a method to analyse the relationship between loan portfolio management and macroeconomic factors, then explain how economic cycles can affect the result of loan portfolio management in commercial bank.

5p nhanchienthien 25-07-2023 11 5   Download

In addition to careful consideration in the selection of investment projects of the commercial bank itself, improvement of the regulatory framework as well as strengthening the supervisory role of the State Bank (SBV) for capital contribution and share purchase are exceedingly essential, in an effort to ensure operational safety for commercial banks in in the second phase of the restructuring of credit institutions (CIs).

5p nhanchienthien 25-07-2023 6 5   Download

The article "Handling bad debt of commercial banking systems for fostering sustainable development of national finance" is based on the statistics and consolidated reports of the State Bank of Vietnam, the annual reports of commercial banks and credit institutions to analyze the bad debt situation and bad debt policy of banks, identify some remaining constraints and then propose some solutions to deal with bad debts of the bank towards the sustainable development of the national financial system.

6p nhanchienthien 25-07-2023 8 4   Download

his paper examines the micro factors affecting the risk of personal loan default using 6,287 loans to 4,023 individual customers from a commercial bank in Danang for the period between 2016 and 2020.

11p vispiderman 15-06-2023 8 3   Download

Ebook Macroeconomics Theory: Part 2 presents the following content: Money Supply: Definition of Money and Importance of Money; Money Multiplier and Credit Creation by Commercial Banks; Equilibrium in Product and Money Market; Effect of Monetary Policies Under Different Cases in IS-LM Framework;...Please refer to the documentation for more details.

139p chankora 16-06-2023 6 2   Download

Ebook Indian Financial System: Part 2 presents the following content: Financial Institutions; Commercial Banking Services; Credit Rating and Consumer Finance; Leasing and Factoring; Merchant Banking and Venture Capital; Mutual Funds and Insurance Services;...Please refer to the documentation for more details.

196p chankora 16-06-2023 4 4   Download

Over the last twenty years in Vietnam, it is witnessed the dramatic development in Vietnamese banking system regarding number, size, asset value, deposit, credit, interest rate, etc. This paper presented the deeper analysis regarding efficiency on top 10 Vietnamese commercial banks with recent information (in four latest quarters).

3p vicaptainmarvel 21-04-2023 13 5   Download

Part 1 of ebook "Advances in time series data methods in applied economic research: International Conference on Applied Economics (ICOAE) 2018" provide readers with content about: an analysis of the status of CSR practice in the South African business context - a framework for analysis; asset Structure of commercial banks and its impact on profit levels; does credibility matter for interest rate changes and output gaps - econometric experiment for an emerging economy;...

268p damtuyetha 16-02-2023 5 2   Download

Lecture Commercial correspondence - Chapter 8: Banking. This lecture will cover the following: banks in the UK; commercial bank facilities (current accounts, deposit accounts, credit cards, standing orders, loans and overdrafts); international banking, bills of exchange; documentary credits;... Please refer to content of this lecture!

40p diepvunhi 17-01-2023 6 3   Download