Vietnamese commercial banks

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 1 0   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 1 0   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 0 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 0 0   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 0 0   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 0 0   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 2 0   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 2 0   Download

This study examines the impact of ownership structures, foreign ownership, and concentrated ownership, on risk in Vietnamese commercial banks. We employ panel data analysis, considering financial metrics (ROA, ROE, ADZ), control variables (SIZE, LOA, LIQ, EFF), and macroeconomic conditions (δt). Results indicate that foreign ownership reduces risk, seen in lower standard deviations of ROA and ROE. In contrast, concentrated ownership increases risk, particularly in ROA.

11p longtimenosee09 08-04-2024 2 0   Download

This paper aims to research on moral hazard and moral risk management in business activities of commercial banks. From theory to practice, we could recognize the reality that Vietnamese commercial banks have faced many risks, especially moral hazard. Through practical analysis, from the achievements, limitations and causes, the article proposes some solutions to strengthen the management of moral risks in business activities of Vietnamese commercial banks in the coming time.

9p longtimenosee09 08-04-2024 3 0   Download

Digital transformation in banking integrates digitalization and technology into all banking sectors. This integration has great significance to the development of the banking industry in modifying and upgrading business processes and optimizing customers’ needs in banking services. However, there are still challenges in the new context after Covid 19, artificial intelligence, information security in the industrial revolution 4.0, high-quality personnel, and governance at digital banks.

14p longtimenosee09 08-04-2024 1 0   Download

Commercial banks gradually form modern technology platforms and aim to perfect digital banking by 2030, which is one of the important strategies of the State Bank of Vietnam. Banks have achieved many successes in the process of digital transformation towards digital banking. However, there are still many obstacles and difficulties to overcome on the way to get there.

5p longtimenosee09 08-04-2024 1 0   Download

The research results will provide the scientific basis for commercial banks and the State Bank to propose appropriate policies to improve the efficiency and safety of the banking system.

9p vioraclene 01-04-2024 2 0   Download

This paper empirically analyses the factors that determine the profitability of Vietnamese commercial banks from 2010 to 2018 along with the efficiency of supply chain practices. Due to the balance sheet data of 26 commercial banks in Vietnam, we use regression models such as OLS, REM, FEM, and GMM to find the correlation between the factors with the profitability of the banks.

9p longtimenosee06 27-03-2024 2 2   Download

The objective of this study is to determine the relationship between income diversification, human capital, and the financial performance of Vietnamese commercial banks. Based on an analysis of data obtained from 15 commercial banks listed on the Ho Chi Minh Stock Exchange from 2013 to 2022.

14p vigrab 02-02-2024 4 2   Download

The paper uses qualitative research methods (surveys, interviews) in combination with quantitative research methods (descriptive statistics, model analysis) to determine the level of impact of firm size, return on assets (ROA), financial leverage, board size and board independence to the level of CSR disclosure by Vietnamese commercial banks.

13p vimarillynhewson 02-01-2024 4 2   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 6 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 5 3   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

This study aims at the impacts of diversification strategies on the Vietnamese bank’s performance. Using a sample of 13 listed banks from 2010 to 2019 and System Generalized Method of Moments (Sys-GMM) regression method, the author finds that income diversification results to lower bank profitability, as measured by the bank’s return on assets and return on equity.

12p viberkshire 09-08-2023 9 4   Download