Các nhân tố ảnh hưởng đến chỉ tiêu lợi nhuận của các ngân hàng thương mại Việt Nam

11. Thủ tướng Chính phủ, 2006. Quyết định số 112/2006/QD-TTg về việc phê duyệt đề án phát triển ngành ngân hàng Việt Nam đến năm 2010 và định hướng đến năm 2020. Ngày 24 tháng 05 năm 2006.

12. Ngân hàng nhà nước, 2013. Thông tư số 02/2013/TT-NHNN về việc “Quy định về phân loại tài sản có, mức trích, phương pháp trích lập dự phòng rủi ro và việc sử dụng dự phòng để xử lý rủi ro trong hoạt động của tổ chức tín dụng, chi nhánh ngân hàng nước ngoài”. Hà Nội, ngày 21 tháng 01 năm 2013.

Danh mục tài liệu tiếng nước ngoài

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2. Alper, D. and Anbar A., 2011. Bank Specific and Macroeconomic Determinants of Commercial banks Profitability: Emperical Evidence from Turkey. Business and Economic Research Journal, Vol.2, No. 2.

3. Andreas Dietrich and Gabrielle Wanzenried, 2014. The Determinants of Commercial Banking Profitability in Low-, Middle-, and High-Income Countries. The Quarterly Review of Economics and Finance, 54: 337–354.

4. Arellano, M. and Bover, O., 1995. Another look at the instrumental variables estimation of error components mod- els. Journal of Econometrics, 68 (1): 29-51.

5. Athanasoglou et al., 2008. Banking-specific, industry-specific and macroeconomic determinants of banking profitability. Journal of International Financial Markets, Institutions and Money 18, 121–136.

6. Bashir, 2003. Determinants of profitability in Islamic banks: Some evidence from the Middle East. Islamic Economic Studies, Vol.1, No.1.

7. Ben Naceur, S. and Omran, M., 2011. The effects of bank regulations, competition, and financial reforms on banks’ performance. Emerging Markets Review, 12 (1): 1-20.

8. Berger, A.N., 1995. The relationship between capital and earnings in banking.

Journal of Money, Credit and Banking, 27 (2): 432-456.

9. Blundell, R. and Bond, S., 1998. Initial conditions and moment conditions in dynamic panel data models. Journal of Econometrics, 87 (1): 115-143.

10. Demirguc Kunt, A. & Huizinga, H., 1999. Determinants of commercial bank interest margins and profitability: Some International Evidence. World Bank Economic Review, 13: 379-408.

11. Dietrich, A., Wanzenried, G., 2014. The determinants of commercial banking profitability in low-, middle-, and high-income countries. The Quarterly Review of Economics and Finance, 54: 337 – 354.

12. Gambacorta, L. and Mistrulli, P., 2004. Does bank capital affect lending behavior?. Journal of Financial Interme- diation, 13 (4): 436-457.

13. Garcia-Herrero et al, 2009. What explains the low profitability of Chinese banks?. Journal of Banking and Finance, 33 (11): 2080-2092.

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Website

1. http://bidv.com.vn/

2. http://vietstock.vn/

3. http://www.acb.com.vn/

4. http://www.cafef.vn

5. http://www.sacombank.com.vn/

6. http://www.saga.vn

7. http://www.shb.com.vn/

8. http://www.tapchitaichinh.vn

9. http://www.vietcombank.com.vn/

10. http://www.vietinbank.vn/

11. http://www.vneconomy.vn

12. http://www.wikipedia.org

13. https://www.eximbank.com.vn/

14. https://www.gso.gov.vn/

15. https://www.mbbank.com.vn

PHỤ LỤC‌

Phụ lục 1: Mô tả thống kê các biến hồi quy

Tên NH

Năm	ROA	ROE	TCTR	LOAN TA	ETA	PROV ILOA N	GDP
VCB	2007	0.0132	0.1943	0.2824	0.4941	0.0686	0.0216	0.0846
VCB	2008	0.0064	0.0981	0.3149	0.5082	0.0621	0.0378	0.0631
VCB	2009	0.0164	0.2571	0.3762	0.5543	0.0654	0.0327	0.0532
VCB	2010	0.0152	0.2287	0.3943	0.575	0.0672	0.0322	0.0678
VCB	2011	0.0124	0.17	0.3833	0.5711	0.0781	0.0254	0.0589
VCB	2012	0.0113	0.1253	0.3987	0.5818	0.1002	0.0219	0.0503
VCB	2013	0.0099	0.1038	0.4027	0.5849	0.0904	0.0235	0.0542
VCB	2014	0.0088	0.1071	0.3965	0.5604	0.0751	0.0218	0.0598
ACB	2007	0.0271	0.4449	0.2664	0.3725	0.0733	0.0042	0.0846
ACB	2008	0.0232	0.3153	0.3753	0.3308	0.0738	0.0066	0.0631
ACB	2009	0.0161	0.2463	0.3667	0.3714	0.0602	0.0081	0.0532
ACB	2010	0.0125	0.2174	0.3935	0.4251	0.0555	0.0082	0.0678
ACB	2011	0.0132	0.2749	0.4116	0.3658	0.0426	0.0096	0.0589
ACB	2012	0.0034	0.0638	0.7319	0.5832	0.0716	0.0146	0.0503
ACB	2013	0.0048	0.0658	0.6654	0.6434	0.0751	0.0144	0.0542
ACB	2014	0.0055	0.0764	0.6379	0.6476	0.069	0.0136	0.0598
CTG	2007	0.0076	0.1412	0.416	0.6152	0.0641	0.0167	0.0846
CTG	2008	0.01	0.157	0.5702	0.6238	0.0637	0.0178	0.0631
CTG	2009	0.0058	0.1023	0.5828	0.6693	0.0516	0.0095	0.0532
CTG	2010	0.0111	0.2215	0.4857	0.6369	0.0494	0.0118	0.0678
CTG	2011	0.0151	0.2676	0.4057	0.6371	0.0619	0.0103	0.0589
CTG	2012	0.0128	0.1981	0.4296	0.662	0.0668	0.011	0.0503
CTG	2013	0.0107	0.1321	0.4549	0.6529	0.0938	0.0088	0.0542

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CTG

2014	0.0092	0.1047	0.4672	0.6653	0.0832	0.0099	0.0598
SHB	2007	0.0185	0.0944	0.2805	0.3383	0.1761	0.0019	0.0846
SHB	2008	0.0146	0.0876	0.3988	0.4348	0.1576	0.0041	0.0631
SHB	2009	0.0152	0.136	0.3955	0.467	0.088	0.0099	0.0532
SHB	2010	0.0126	0.1498	0.4573	0.4776	0.082	0.0112	0.0678
SHB	2011	0.0123	0.1504	0.5052	0.4108	0.0821	0.0122	0.0589
SHB	2012	0.0003	0.0034	0.5712	0.4886	0.0816	0.022	0.0503
SHB	2013	0.0065	0.0856	0.7858	0.5327	0.0721	0.0155	0.0542
SHB	2014	0.0051	0.0759	0.4987	0.6158	0.062	0.0101	0.0598
EIB	2007	0.0178	0.1125	0.3479	0.5474	0.1867	0.004	0.0846
EIB	2008	0.0174	0.0743	0.3185	0.4401	0.2662	0.0177	0.0631
EIB	2009	0.0199	0.0865	0.352	0.5864	0.204	0.0099	0.0532
EIB	2010	0.0185	0.1351	0.2799	0.4755	0.103	0.0101	0.0678
EIB	2011	0.0193	0.2039	0.3062	0.4067	0.0888	0.0083	0.0589
EIB	2012	0.0121	0.1332	0.4264	0.4403	0.0929	0.0081	0.0503
EIB	2013	0.0039	0.0432	0.6528	0.4908	0.0864	0.0085	0.0542
EIB	2014	0.0003	0.0039	0.6962	0.541	0.0873	0.0117	0.0598
MBB	2007	0.0227	0.2058	0.3423	0.392	0.1198	0.0124	0.0846
MBB	2008	0.019	0.178	0.3391	0.3549	0.0998	0.0157	0.0631
MBB	2009	0.0193	0.1935	0.2955	0.4288	0.0998	0.0151	0.0532
MBB	2010	0.0192	0.2171	0.3067	0.4451	0.081	0.0151	0.0678
MBB	2011	0.0171	0.2296	0.3654	0.4253	0.0695	0.0185	0.0589
MBB	2012	0.0147	0.2049	0.3451	0.4241	0.0733	0.0176	0.0503
MBB	2013	0.0128	0.1625	0.3585	0.4864	0.084	0.0202	0.0542
MBB	2014	0.013	0.1562	0.3749	0.5016	0.0826	0.0245	0.0598
STB	2007	0.0313	0.2736	0.3036	0.5479	0.1138	0.005	0.0846
STB	2008	0.0144	0.1264	0.5175	0.5115	0.1134	0.0072	0.0631
STB	2009	0.0194	0.1825	0.4012	0.561	0.1045	0.0093	0.0532

STB

2010	0.0146	0.1524	0.4214	0.5456	0.0961	0.0096	0.0678
STB	2011	0.0141	0.1447	0.5313	0.5693	0.1028	0.0101	0.0589
STB	2012	0.0068	0.071	0.6062	0.6333	0.0901	0.015	0.0503
STB	2013	0.0142	0.1449	0.5533	0.6851	0.1057	0.0122	0.0542
STB	2014	0.0126	0.1256	0.5407	0.6745	0.0952	0.0107	0.0598
BID	2007	0.0084	0.1588	0.306	0.6454	0.0569	0.022	0.0846
BID	2008	0.0088	0.1577	0.5928	0.653	0.0547	0.0255	0.0631
BID	2009	0.0104	0.1812	0.4467	0.6963	0.0595	0.0262	0.0532
BID	2010	0.0113	0.1795	0.4827	0.694	0.0661	0.0208	0.0678
BID	2011	0.0083	0.132	0.4316	0.7244	0.0601	0.0199	0.0589
BID	2012	0.0073	0.1283	0.4057	0.7012	0.0547	0.0174	0.0503
BID	2013	0.0078	0.1377	0.3871	0.7131	0.0584	0.0157	0.0542
BID	2014	0.0083	0.1515	0.3937	0.6853	0.0512	0.0149	0.0598