Đa dạng hóa, hiệu quả và rủi ro tại các ngân hàng thương mại Việt Nam - 30

roa

loa_loss

foc_depo

roa

1.0000

loa_loss

0.4970

1.0000

foc_depo

-0.0919

-0.0807

1.0000

301

6

.3932216

0.7398

1147.25

0.0000

loa_loss

301

6

.0031327

0.6841

980.17

0.0000

foc_loan

301

5

.1760759

0.3080

140.95

0.0000

.0575354

.0158637

3.63

0.000

.0264432

.0886276

loa_loss |

5.644415

2.219668

2.54

0.011

1.293945

9.994886

ln_asse |

-.0274394

.0027235

-10.08

0.000

-.0327774

-.0221014

equ_asse |

-.7385

.2010404

-3.67

0.000

-1.132532

-.344468

dep_asse |

.0674073

.0999931

0.67

0.500

-.1285756

.2633902

_cons |

1.071762

.0846383

12.66

0.000

.9058738

1.23765

-.0079192

.000318

-24.90

0.000

-.0085425

-.0072959

foc_loan |

.0001761

.000974

0.18

0.857

-.0017329

.0020851

mar_shar |

.0132441

.0032276

4.10

0.000

.0069181

.0195702

exp_asse |

.3285267

.0341299

9.63

0.000

.2616333

.39542

cos_inco |

.0003313

.0000198

16.77

0.000

-.0003701

.0002926

nlo_asse |

-.0000119

.0000151

-0.79

0.432

-.0000414

.0000177

_cons |

.026039

.0016058

16.22

0.000

.0228918

.0291863

-90.45345

4.450699

-20.32

0.000

-99.17666

-81.73024

foc_loan |

.1768338

.1218849

1.45

0.147

-.0620562

.4157238

ln_asse |

.0223953

.0056233

3.98

0.000

.0113739

.0334168

tlo_asse |

.992811

.1606485

6.18

0.000

.6779458

1.307676

mar_shar |

-.2890351

.4410809

-0.66

0.512

-1.153538

.5754677

equ_asse |

2.374147

.4818243

4.93

0.000

1.429788

3.318505

_cons |

1.99123

.2030625

9.81

0.000

1.593234

2.389225

roa

loa_loss

foc_loan

roa

1.0000

loa_loss

0.4938

1.0000

foc_loan

-0.0916

-0.0363

1.0000

307

6

.3896105

0.7413

1169.35

0.0000

loa_loss

307

6

.0031294

0.6790

990.22

0.0000

foc_asse

307

5

.1491861

0.0093

6.25

0.2828

.0221136

.013404

1.65

0.099

-.0041577

.048385

loa_loss |

4.285461

1.876983

2.28

0.022

.6066417

7.964281

ln_asse |

-.0019459

.0021838

-0.89

0.373

-.0062262

.0023343

equ_asse |

-.1234677

.1678946

-0.74

0.462

-.4525351

.2055998

dep_asse |

-.0027871

.0695598

-0.04

0.968

-.1391217

.1335475

_cons |

.6864744

.0599707

11.45

0.000

.568934

.8040148

-.0079762

.000316

-25.24

0.000

-.0085955

-.0073569

foc_asse |

.0020915

.0011613

1.80

0.072

-.0001846

.0043675

mar_shar |

.0118772

.003141

3.78

0.000

.005721

.0180335

exp_asse |

.3245191

.0326546

9.94

0.000

.2605173

.388521

cos_inco |

.0003325

.0000191

17.37

0.000

-.0003701

.000295

nlo_asse |

-.0000176

.0000117

-1.51

0.132

-.0000405

5.32e-06

_cons |

.0249254

.0015367

16.22

0.000

.0219135

.0279373

loa_loss |

-89.61808

4.387819

-20.42

0.000

-98.21804

-81.01811

foc_asse |

.3332178

.1495577

2.23

0.026

.0400901

.6263456

ln_asse |

.0155115

.0044244

3.51

0.000

.0068399

.0241831

tlo_asse |

.9040138

.1633189

5.54

0.000

.5839147

1.224113

mar_shar |

-.3699616

.4297231

-0.86

0.389

-1.212203

.4722801

equ_asse |

2.185538

.4690041

4.66

0.000

1.266307

3.104769

_cons |

2.067045

.1505821

13.73

0.000

1.771909

2.36218

roa

loa_loss

foc_asse

roa

1.0000

loa_loss

0.4956

1.0000

foc_asse

-0.0356

-0.0547

1.0000

307

6

.3923099

0.7377

1213.70

0.0000

loa_loss

307

6

.0031271

0.6795

1007.31

0.0000

div_inco

307

5

.15695

0.1629

91.05

0.0000

.1027226

.013933

7.37

0.000

.0754144

.1300308

loa_loss |

10.07992

1.95637

5.15

0.000

6.245501

13.91433

ln_asse |

-.0083899

.0022697

-3.70

0.000

-.0128385

-.0039413

equ_asse |

-.6691862

.1753961

-3.82

0.000

-1.012956

-.3254161

dep_asse |

-.1461275

.0716565

-2.04

0.041

-.2865716

-.0056834

_cons |

.3971071

.0620768

6.40

0.000

.2754388

.5187754

-.0080109

.0003141

-25.50

0.000

-.0086266

-.0073953

div_inco |

.0045842

.0010532

4.35

0.000

.00252

.0066485

mar_shar |

.0121086

.003102

3.90

0.000

.0060288

.0181885

exp_asse |

.3144456

.0325491

9.66

0.000

.2506506

.3782405

cos_inco |

.0003179

.0000192

16.55

0.000

-.0003555

.0002802

nlo_asse |

-5.79e-06

.0000122

-0.48

0.635

-.0000297

.0000181

_cons |

.0244409

.0013676

17.87

0.000

.0217605

.0271213

-90.65171

4.330359

-20.93

0.000

-99.13906

-82.16436

div_inco |

.7537054

.1316565

5.72

0.000

.4956634

1.011747

Ln_asse |

.0213331

.0045198

4.72

0.000

.0124744

.0301917

tlo_asse |

.9220359

.1550803

5.95

0.000

.618084

1.225988

mar_shar |

-.3218549

.4199701

-0.77

0.443

-1.144981

.5012714

equ_asse |

2.469267

.4674349

5.28

0.000

1.553112

3.385423

_cons |

1.872726

.1407524

13.31

0.000

1.596857

2.148596

1.0000

loa_loss

0.5016

1.0000

div_inco

-0.1770

-0.1034

1.0000

257

6

.4418218

0.5712

404.63

0.0000

sta_Inef

257

6

.1249587

0.0713

61.71

0.0000

foc_depo

257

5

.1454121

0.0133

9.14

0.1036

.0406698

.0141955

2.86

0.004

.012847

.0684925

sta_Inef |

.0603889

.0719222

0.84

0.041

-.080576

.2013537

ln_asse |

-.0018233

.0025122

-0.73

0.468

-.0067471

.0031006

equ_asse |

-.187618

.1647627

-1.14

0.255

-.5105469

.1353109

dep_asse |

.0158847

.0983318

0.16

0.872

-.1768421

.2086115

_cons |

.6372596

.0836332

7.62

0.000

.4733416

.8011775

-.1141695

.0177336

-6.44

0.000

-.1489268

-.0794122

foc_depo |

.1246628

.0541447

2.30

0.021

.0185411

.2307845

mar_shar |

-.2879759

.1583787

-1.82

0.069

-.5983923

.0224406

exp_asse |

2.002831

1.939703

1.03

0.302

-1.798918

5.804579

cos_inco |

.0033806

.0009361

3.61

0.000

-.0052152

.0015459

nlo_asse |

-.0001061

.0007572

-0.14

0.889

-.0015901

.001378

_cons |

.2012732

.0672736

2.99

0.003

.0694194

.3331271

sta_inef |

-1.515605

.2164897

-7.00

0.000

-1.939918

-1.091293

foc_depo |

.6882561

.1977691

3.48

0.001

.3006358

1.075876

ln_asse |

.0245284

.0077529

3.16

0.002

.0093329

.0397238

tlo_asse |

1.015229

.3212294

3.16

0.002

.3856307

1.644827

mar_shar |

-3.41239

.5055458

-6.75

0.000

-4.403242

-2.421539

equ_asse |

1.916477

.4796363

4.00

0.000

.9764068

2.856546

_cons |

.9701217

.333874

2.91

0.004

.3157408

1.624503

roa

sta_inef

foc_depo

roa

1.0000

sta_inef

0.2053

1.0000

foc_depo

-0.0829

-0.0254

1.0000

254

6

.4473084

0.5627

410.48

0.0000

sta_inef

254

6

.1264313

0.0591

89.53

0.0000

foc_loan

254

5

.1732483

0.2236

128.96

0.0000

.0943758

.016562

5.70

0.000

.0619149

.1268368

sta_inef |

.469596

.0825859

5.69

0.000

.3077306

.6314614

ln_asse |

-.0215018

.0031495

-6.83

0.000

-.0276747

-.0153289

equ_asse |

-.6817176

.1958712

-3.48

0.001

-1.065618

-.2978171

dep_asse |

.0148098

.1200208

0.12

0.902

-.2204266

.2500463

_cons |

1.025819

.1025906

10.00

0.000

.8247449

1.226893

-.1114517

.0174633

-6.38

0.000

-.1456792

-.0772243

foc_loan |

.2388606

.0458107

5.21

0.000

.1490733

.328648

mar_shar |

.2293319

.1616106

1.42

0.156

-.5460828

.087419

exp_asse |

1.077143

1.978164

0.54

0.586

-2.799986

4.954273

cos_inco |

.0026706

.000934

2.86

0.004

-.0045012

.0008401

nlo_asse |

.001485

.0010129

1.47

0.143

-.0005003

.0034703

_cons |

.0546599

.070193

0.78

0.436

-.0829157

.1922356

-1.596078

.2171259

-7.35

0.000

-2.021637

-1.170519

foc_loan |

.6249206

.1673768

3.73

0.000

.2968681

.9529731

ln_asse |

.0394973

.0088758

4.45

0.000

.0221011

.0568936

tlo_asse |

1.208509

.3184151

3.80

0.000

.5844268

1.832591

mar_shar |

-3.371373

.5098167

-6.61

0.000

-4.370595

-2.37215

equ_asse |

2.248248

.493553

4.56

0.000

1.280902

3.215594

_cons |

.5284978

.3604097

1.47

0.143

-.1778922

1.234888

roa

sta_inef

foc_loan

roa

1.0000

Sta_Inef

0.2066

1.0000

Foc_loan

-0.1574

-0.1934

1.0000

257

6

.4389434

0.5768

394.83

0.0000

sta_inef

257

6

.1258766

0.0576

64.95

0.0000

foc_asse

257

5

.1467483

0.0159

18.67

0.0022

-.0089101

.0142803

-0.62

0.533

-.0368991

.0190788

sta_inef |

.2845917

.0717525

3.97

0.000

-.425224

.1439595

ln_asse |

-.0029344

.002514

-1.17

0.243

-.0078617

.001993

equ_asse |

-.3106321

.165405

-1.88

0.060

-.63482

.0135558

dep_asse |

.0020542

.0984119

0.02

0.983

-.1908296

.194938

_cons |

.7734417

.0837798

9.23

0.000

.6092364

.9376471

-.1049529

.0177096

-5.93

0.000

-.139663

-.0702428

foc_asse |

-.0872692

.0596662

-1.46

0.144

-.2042128

.0296743

mar_shar |

-.2421114

.1563335

-1.55

0.121

-.5485195

.0642967

exp_asse |

2.016325

1.94046

1.04

0.299

-1.786906

5.819556

cos_inco |

.003189

.0009358

3.41

0.001

-.0050231

.0013549

nlo_asse |

-.0002342

.0007608

-0.31

0.758

-.0017253

.001257

_cons |

.328436

.0699585

4.69

0.000

.1913198

.4655522

-1.420027

.2185688

-6.50

0.000

-1.848414

-.9916402

foc_asse |

.3516231

.2008122

1.75

0.080

-.0419615

.7452078

ln_asse |

.026445

.0078689

3.36

0.001

.0110223

.0418677

tlo_asse |

1.138002

.3124896

3.64

0.000

.5255334

1.75047

mar_shar |

-3.534584

.5127243

-6.89

0.000

-4.539506

-2.529663

equ_asse |

1.960449

.4809654

4.08

0.000

1.017775

2.903124

_cons |

1.089569

.3525754

3.09

0.002

.3985338

1.780604

roa

sta_inef

foc_asse

roa

1.0000

sta_inef

0.1869

1.0000

foc_asse

0.0112

0.1232

1.0000

257

6

.447629

0.5598

418.76

0.0000

sta_inef

257

6

.1249923

0.0708

84.00

0.0000

div_inco

257

5

.1665924

0.0887

71.40

0.0000

.1034705

.0159176

6.50

0.000

.0722726

.1346683

sta_inef |

.3896791

.0802518

4.86

0.000

.2323885

.5469698

ln_asse |

-.0045082

.0028095

-1.60

0.109

-.0100148

.0009984

equ_asse |

-.6641546

.1853913

-3.58

0.000

-1.027515

-.3007943

dep_asse |

-.1865576

.1088325

-1.71

0.086

-.3998654

.0267502

_cons |

.4240118

.092908

4.56

0.000

.2419156

.6061081

-.1214199

.017653

-6.88

0.000

-.1560191

-.0868207

div_inco |

.2616278

.0462743

5.65

0.000

.1709319

.3523236

mar_shar |

.2989864

.155465

1.92

0.054

-.6036923

.0057195

exp_asse |

1.834941

1.904229

0.96

0.335

-1.89728

5.567162

cos_inco |

.0030816

.0009171

3.36

0.001

-.0048791

.0012841

nlo_asse |

.0004536

.0007663

0.59

0.554

-.0010484

.0019555

_cons |

.2079432

.0586538

3.55

0.000

.0929839

.3229026

-1.46126

.2096413

-6.97

0.000

-1.87215

-1.050371

div_inco |

1.08713

.1600879

6.79

0.000

.7733634

1.400896

ln_asse |

.0196131

.0070453

2.78

0.005

.0058045

.0334217

tlo_asse |

.3599805

.1942208

1.85

0.064

-.0206854

.7406464

mar_shar |

-3.034624

.4876611

-6.22

0.000

-3.990422

-2.078825

equ_asse |

2.377954

.4786723

4.97

0.000

1.439774

3.316135

_cons |

1.733135

.1847079

9.38

0.000

1.371114

2.095156

roa

sta_inef

div_inco

roa

1.0000

sta_inef

0.2059

1.0000

div_inco

-0.1750

-0.1532

1.0000

290

6

.4900006

0.2406

106.97

0.0000

loa_loss

290

6

.0033849

0.4010

216.83

0.0000

foc_depo

290

5

.1452986

0.0228

27.66

0.0000

-.0437616

.0156649

-2.79

0.005

-.0744643

-.0130589

loa_loss |

9.189451

2.091483

4.39

0.000

5.090219

13.28868

ln_asse |

-.0032784

.0021822

-1.50

0.133

-.0075555

.0009986

equ_asse |

-.0908712

.187369

-0.48

0.628

-.4581076

.2763652

dep_asse |

.1314078

.0673761

1.95

0.051

-.000647

.2634625

_cons |

.462714

.0638827

7.24

0.000

.3375062

.5879218

.0010251

.0004361

2.35

0.019

.0001705

.0018798

foc_depo |

.0023891

.0014178

1.69

0.092

-.0003896

.0051679

mar_shar |

.0307723

.0038734

7.94

0.000

.0231806

.038364

exp_asse |

.2551117

.0473632

5.39

0.000

.1622815

.3479419

cos_inco |

.0000761

.0000182

4.19

0.000

-.0001117

.0000405

nlo_asse |

-.0000213

.0000148

-1.44

0.150

-.0000502

7.68e-06

_cons |

.0067957

.0018024

3.77

0.000

.0032631

.0103282

22.62479

8.046279

2.81

0.005

6.854377

38.39521

foc_depo |

-.6911383

.2144685

-3.22

0.001

-1.111489

-.2707878

ln_asse |

-.0018105

.0061907

-0.29

0.770

-.0139441

.0103231

tlo_asse |

.3664293

.2488638

1.47

0.141

-.1213348

.8541933

mar_shar |

2.791142

.6089824

4.58

0.000

1.597559

3.984726

equ_asse |

.5812894

.6955164

0.84

0.403

-.7818976

1.944476

_cons |

-2.549274

.2083266

-12.24

0.000

-2.957587

-2.140961

1.0000

loa_loss

-0.0797

1.0000

foc_depo

0.0754

-0.1172

1.0000