Ấn phẩm:
Factors influencing the profitability of listed commercial banks in Vietnam
Tóm tắt
This research examines the impact of factors on the Return on Average Assets (ROAA) of commercial banks in Vietnam. The results indicate that Off-Balance Sheet activities (OBS), Net Interest Margin (NIM), and Total Asset Size (SIZE) have a positive influence on ROAA. OBS presents opportunities for profit generation, contingent on careful risk management. A higher NIM reflects profitability from interest rate spread, while a larger asset size enables diversification of operations and risk reduction. Conversely, Credit Balance (CB) has a negative impact on ROAA since increased credit exposure can lead to credit risk and reduced profitability. Factors include Cost to-Income Ratio (CIR), Non-Performing Loan ratio (NPL), and Loan Loss Reserves (LLR) do not significantly affect ROAA. The article emphasizes the importance of credit risk and market risk management to ensure the long-term sustainability and growth of commercial banks in Vietnam.
Mô tả
Tác giả
Dao Thi Huong PhD
Tác giả khác
Người hướng dẫn
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Nhà xuất bản
Học viện Tài chính
Năm xuất bản
2024
ISSN tạp chí
Nhan đề tập
Từ khóa chủ đề
Profitability , Commercial bank , Return on average assets
Địa chỉ truy cập
Vui lòng sử dụng ứng dụng DRM AOF để đọc tài liệu số
