The Determinants of Listed Commercial Banks’ Profitability in Vietnam

• 발행기관: 한국유통과학회
• 저자명: Hai Thanh PHAN Tien Ngoc HOANG Linh Viet DINH Dat Ngoc HOANG
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 7 No.11, 219~229쪽, 전체 11쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2020.11.30

영문 초록

The study investigates the factors affecting the profitability of listed commercial banks in Vietnam. Survey data for this research were collected from 10 Vietnamese listed commercial banks for the period from 2008 to 2018. In the study, we have built a model of econometric regression with the dependent variable being listed commercial banks’ profitability results measured through ROA. The research methods used include descriptive statistics, IV regression and OLS regression analysis, and the authors carried out the model verification with Stata 14 software. The results showed that operating efficiency, loans size, retail loans ratio, state ownership, inflation rate, and GDP growth are factors that have a positive impact on profitability On the other hand, variables such as capital size, credit risk, liquidity risk, bank size, and revenue diversification are statistically insignificant; hence, these variables are not statistically adequate to indicate the influence of those independent variables to banks’ profitability. The findings of this study suggest that the quality of assets should be considered in the context that bad debt risks come from lending heavily to the real estate sector. Meeting Basel II’s capital compliance requirements is relatively difficult for small listed commercial banks compared to bigger listed commercial banks in Vietnam.

목차

1. Introduction

2. Literature Review and Research Hypotheses

3. Data and Research Methodology

4. Results

5. Discussion

6. Conclusions

References

키워드

Listed Commercial Banks Profitability OLS Regression IV Regression Vietnam