Commercial banks in Vietnam

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

The role of employees is vital for service businesses. Therefore, maintaining employee satisfaction plays a significant role in the performance of service companies. The topic shows a comprehensive picture of the level of job satisfaction of officers and employees working in the commercial banking system in Ho Chi Minh City through 09 aspects of satisfaction. Regression results of the study prove that job satisfaction in the aspect of “Communication of information” has the most substantial impact on the “General satisfaction” of employees.

13p leminhvu111 07-06-2024 3 0   Download

Business growth and profit development are always the criteria for banks to implement and develop. Along with the development of science and technology, banking management and administration in the digital era is considered an important and urgent issue. Therefore, the issue of executive management capacity of commercial bank in the digital era is mentioned in the research. At the same time, the study also points out a number of results, experiences and new points in executive management capacity required at Vietnamese commercial banks in the digital era.

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This research delves into the assessment of Capital Adequacy Ratio (CAR) among Joint-Stock Commercial Banks (JSCBs) in Vietnam from 2015 to 2022. It investigates the variations in CAR over this period and explores its association with key financial metrics, including Return on Assets (ROA), Deposit Ratio (DEP), Liquidity (LIQ), Loan-to-Asset Ratio (LOA), Loan Loss Reserve (LLR), Non-Performing Loan Ratio (NPL), Leverage (LEV), bank size (SIZE), and the scale of board governance (BoardS).

9p leminhvu111 07-06-2024 2 0   Download

The article mentions the impacts of the fourth industrial revolution and digital banking on the development of non-cash payments at commercial banks. Research shows that non-cash payments are affected by cybersecurity issues in the new context, requiring changes to adapt. Analyzing the current situation, limitations and causes, the article mentions directions and solutions to improve quality and solve challenges to ensure that the digital banking development process is an issue for everyone, and with the Vietnamese banking industry.

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Industrial Revolution 4.0 with core elements of artificial intelligence, internet connection and big data has been opening up many methods and providing many means in digital transformation of the economy. in general and the commercial banking system in particular; In particular, Blockchain technology has become the foundation for the development of UPAS L/C in international payments.

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The research plays a role in discovering factors affecting green banking activities, thereby contributing to raising customers’ awareness of green banking in the sustainable development of banking in Vietnam. In addition, the research serves as a basis for planners to set forth directions to increase awareness and social responsibility of the commercial banking system for environmental protection and combating climate change.

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This paper empirically examines Fintech’s impact on bank profitability, employing various estimation methods, including Pooled Ordinary Least Squares (OLS), Random Effect Model (REM), and Fixed Effect Model (FEM), along with tests for multicollinearity and heteroscedasticity. Data from seventeen publicly listed commercial banks in Vietnam from 2017 to 2021 are analyzed. Findings indicate that specific Fintech indicators, such as technology application adoption and online banking services, positively influence commercial bank profitability.

11p dathienlang1012 03-05-2024 0 0   Download

This study is to determine impacts of the dynamics of digital transformation as a strategic choice of banks on their performance under constant changes of technology, notably financial technologies and relatively stable market conditions such as macroeconomic policies, legal framework and industry structure. A sample of 23 Listed Commercial Banks in Vietnam was used that is based on the availability of ICT readiness index as a measure for the banks’ initial stages to prepare for digital transformation journey.

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This article explores the opportunities and challenges that Vietnamese commercial banks encounter in their pursuit of Financial Technology (FinTech) development. Vietnam’s burgeoning economy and increasing digital adoption provide fertile ground for FinTech innovation. While opportunities include financial inclusion and economic growth, challenges encompass regulatory complexities, cybersecurity threats, and competition from standalone FinTech startups.

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The article "Enhancing collaboration between commercial banks and fintech companies as a solution for developing green banking services in Vietnam" will address some fundamental aspects: (i) The essence of developing green banking services and the technological foundation for this development; (ii) The necessity of cooperation between commercial banks and fintech companies in the development of green banking services; (iii) The practical aspects of collaboration between commercial banks and fintech companies in the development of green banking services and the issues raised; (iv) Some solut...

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In this study, financial performance is assessed through three indicators ROA (return of assets), ROE (return of equity), NIM (net profit margin). Based on previous domestic and foreign studies, the research has selected a suitable model for Vietnam with 08 factors affecting financial performance including bank size (SIZE), equity to total assets (CAP), operating expenses to operating income (CIR), risk provision (RISK), bank age (AGE), fixed assets to total assets (TANG), gross domestic product growth rate (GDP) and inflation rate (INF).

9p longtimenosee09 08-04-2024 3 2   Download

The 2023 series of bank collapses has underscored the vital importance of effective liquidity risk management in the banking industry. Liquidity risk in bank, with its potential to trigger bank runs and destabilize the global financial system, requires a comprehensive approach that considers market volatility, regulatory changes, and evolving business models. Collaboration among banks, regulators, and stakeholders is crucial at the system level.

12p longtimenosee09 08-04-2024 4 1   Download

The research focuses on investigating the impacts of Off-Balance Sheet (OBS) activities on the financial safety indicators of Vietnam joint-stock commercial banks. By utilizing information on the outcomes of OBS activities and three groups of financial safety indicators of the top ten joint-stock commercial banks by assets on the Vietnamese stock exchange (details provided in the Appendix), the author presents insights into the effects of these business operations on various financial safety indicator groups.

11p longtimenosee09 08-04-2024 4 2   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.

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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

In this article, the author mentions the theory of sustainable development of commercial banks, the criteria for assessing the level of development of commercial banks, and its practical application with proven data in the period 2017 - 2022 to assess the sustainable development of Vietnamese commercial banks and propose some solutions to sustainably develop Vietnamese commercial banks by 2030.

12p longtimenosee09 08-04-2024 8 2   Download

In this article, the author presents the theoretical framework for digital transformation, bad debt, bad debt settlement at commercial banks, and evaluation about the current situation of bad debt handling at Vietnamese commercial banks. Thereby, the article proposes solutions to develop the positive factors and minimize the factors that prevent commercial banks from handling bad debts in the age of digital transformation.

9p longtimenosee09 08-04-2024 1 1   Download

In the article, we mention issues related to capital adequacy and financial safety of commercial banks, especially in the context of digitalization of banking and financial activities. Analyzing the current situation of capital adequacy in financial safety of Vietnamese commercial banks in the period 2011-2020. From the assessments through the success, limitation and cause, the article proposes 7 groups of solutions to ensure capital adequacy and enhance financial safety for Vietnamese commercial banks in the current context.

10p longtimenosee09 08-04-2024 3 1   Download