Bank | Lien Viet Post | |||
MB | Military Commercial Joint Bank | Stock | Joint stock commercial bank Army | part |
MDB | Mekong Development Commercial Joint Stock Bank | Joint stock commercial bank Mekong Development | part | |
MHB | Housing Bank of Mekong Delta | Delta Housing Development Joint Stock Commercial Bank Mekong | river part | |
MSB | Vietnam Maritime Commercial Joint Stock Bank | Joint stock commercial bank Vietnam Maritime | part | |
NAMA | Nam A Commercial Joint Stock Bank | Joint stock commercial bank South Asia | part | |
NAVI | Nam Viet Commercial Joint Stock Bank | Joint stock commercial bank South Vietnam | part | |
OCB | Orient Commercial Joint Stock Bank | Joint stock commercial bank Orient | part | |
OCEAN | Ocean Commercial Joint Stock Bank | Joint stock commercial bank Ocean | part | |
PGB | Petrolimex Group Commercial Joint Stock Bank | Joint stock commercial bank Petrolimex Petroleum | part | |
PNB | Southern Commercial Joint Bank | Stock | Joint stock commercial bank South | part |
SAIGON | Saigon Bank For Industry And Trade | Joint stock commercial bank Saigon Industry and Trade | part | |
SEABANK | Southeast Asia Commercial Stock Bank | Joint | Joint stock commercial bank Southeast Asia | part |
STB | Saigon Thuong Tin Commercial Joint | Joint stock commercial bank | part | |
Maybe you are interested!
-
Factors affecting profitability at Vietnamese joint stock commercial banks - 1 -
Factors affecting the debt repayment ability of corporate customers at Vietnam Joint Stock Commercial Bank for Investment and Development - Long An Branch - 1 -
Factors affecting customer satisfaction with the quality of international money transfer services at Dong A Commercial Joint Stock Bank - 1 -
Factors affecting customer loyalty to international payment services at Asia Commercial Joint Stock Bank - 12 -
Factors affecting the marginal interest income of Vietnamese joint stock commercial banks - 12
Stock Bank | Saigon Thuong Tin | |
TECHCOM | Vietnam Technological and Commercial Joint Stock Bank | Joint Stock Commercial Bank Vietnam Industry and Trade |
TPB | Tien Phong Commercial Joint Stock Bank | Joint Stock Commercial Bank Pioneer |
TB | Medium | |
VCB | Joint stock commercial Bank for Foreign Trade of Vietnam | Joint Stock Commercial Bank Vietnam Foreign Trade |
VIB | Vietnam International commercial joint stock bank | Joint Stock Commercial Bank Vietnam International |
VIETIN | Industrial and Commercial Bank of Vietnam | Joint Stock Commercial Bank Vietnam Industry and Trade |
VPB | Vietnam Prosperity Joint - Stock Commercial Bank | Joint Stock Commercial Bank Prosperous Vietnam |
WES | Western Commercial Joint Stock Bank | Joint Stock Commercial Bank West |
TCTD | Credit institution |
LIST OF TABLES
Table 2.1: Ratio of fixed assets and outstanding loans of joint stock commercial banks in the period
period 2007 – 2012 33
Table 2.2: Expected signs of the coefficients of the independent variables 44
Table 2.3: Descriptive statistics of independent and dependent variables in the research model 47
Table 2.4: Regression results (ROA) 47
Table 2.5: Regression results (ROE 51
LIST OF GRAPHS
Chart 2.1: Average return on assets (ROA) of 29 joint stock commercial banks in the period 2007 - 2012 28
Chart 2.2: Return on equity (ROE) of 29 joint stock commercial banks in the period 2007 - 2012 30
Chart 2.3: Marginal interest income and marginal non-interest income index of joint stock commercial banks in the period 2007 - 2012 30
Chart 2.4: Asset growth rate of Vietnamese joint stock commercial banks in the period 2007 - 2012 32
Chart 2.5: Bad debt situation of the entire banking system from 2007 to February 2013 34
Chart 2.6: Growth rate of charter capital, equity and total assets of Vietnamese joint stock commercial banks in the period 2007 - 2012 36
Chart 2.7: Financial leverage ratio of Vietnamese joint stock commercial banks
period 2007 – 2012 37
INTRODUCTION
1. THE NECESSITY OF THE TOPIC
The commercial banking system is one of the important bases for promoting economic development. With the increasingly developed level of information technology as well as the trend of global economic integration, the business activities of commercial banks are increasingly diverse but also contain many potential risks. The economic crisis in 2008 with the collapse of major commercial banks in the US leading to the global economic crisis is a testament to the need to manage and supervise the activities of commercial banks.
Also in the trend of economic development and economic integration, Vietnam is constantly changing in all aspects, including the financial and banking sector. Having gone through many ups and downs with the turning point of the establishment of a two-tier banking system including the State Bank and commercial banks, commercial banks, especially joint stock commercial banks, have made strong changes, affirming their increasingly important role in the market economy. However, since 2008, Vietnamese joint stock commercial banks have begun to reveal major issues that need attention such as poor liquidity, high bad debt ratio, especially declining profits and profitability. To solve such problems, we need to answer questions such as "How are Vietnamese joint stock commercial banks operating?", "What factors are affecting the profitability of Vietnamese joint stock commercial banks in recent times?". For that reason, the author chose to carry out the topic "Factors affecting the profitability of Vietnamese joint stock commercial banks". The thesis is conducted to re-evaluate the current state of operational efficiency from the perspective of profitability, as well as to identify factors affecting the profitability of Vietnamese joint stock commercial banks, thereby proposing solutions to help Vietnamese joint stock commercial banks develop stably and sustainably in the coming time.
2. RESEARCH OBJECTIVES
With the topic "Factors affecting the profitability of Vietnamese joint stock commercial banks", the thesis focuses mainly on clarifying the following issues:
- Problem 1: What is the current status of profitability of Vietnamese joint stock commercial banks in the period 2007 - 2012? What factors affect the profitability of Vietnamese joint stock commercial banks in the period 2007?
– 2012?
- Problem 2: From the analysis of the current status of profitability of Vietnamese joint stock commercial banks in the period of 2007 - 2012, the thesis quantitatively analyzes through regression models to analyze factors affecting the profitability of Vietnamese joint stock commercial banks.
- Problem 3: Based on empirical analysis and model results, the thesis proposes solutions to improve the profitability of Vietnamese commercial banks in the coming time.
3. RESEARCH METHODS
To achieve the proposed research objectives, the thesis applies the following research methods:
- Qualitative research method: Collecting and processing data related to financial indicators reflecting the operations of Vietnamese joint stock commercial banks. After processing the data, the author compared and analyzed by deductive and inductive methods to see how the profitability of commercial banks has changed in the period of 2007 - 2012.
- Quantitative research method: Applying the regression model method according to the GMM method to determine the factors affecting the profitability of Vietnamese commercial banks in the period 2007 - 2012.
4. OBJECTS AND SCOPE OF RESEARCH
Regarding the research object: The profitability of commercial banks is a broad concept, measured through many different approaches... In addition, the operations of commercial banks are affected by many objective and subjective factors. Therefore, the topic focuses on the research object which is the factors of financial capacity and economic environment affecting the profitability of commercial banks.
Regarding time : Data was collected for processing and analysis focusing on the period from 2007 to 2012. This was the period when the operations of Vietnamese commercial banks had obvious changes due to the impact of the economic crisis with a series of prominent issues such as declining profits, high bad debt ratios, etc.
Regarding space : Due to data limitations, the thesis focuses on 29 Vietnamese joint stock commercial banks. The article only uses data from domestic joint stock commercial banks, excluding state-owned commercial banks that have not been equitized, joint venture banks, foreign banks and branches due to limitations in collected data.
5. STRUCTURE OF THE TOPIC
In addition to the introduction and conclusion, the thesis consists of 3 chapters, including:
Chapter 1: Theoretical basis of factors affecting the profitability of commercial banks
Chapter 2: Factors affecting the profitability of Vietnamese joint stock commercial banks in the period 2007 - 2012
Chapter 3: Solutions to control factors affecting the profitability of Vietnamese joint stock banks.
6. PRACTICAL SIGNIFICANCE
The purpose of this study is to identify the factors affecting the profitability of Vietnamese joint stock commercial banks in the period 2007-2012. The study helps readers interested in the field of banking activities, basic mechanisms, important factors affecting the profitability of Vietnamese joint stock commercial banks. This not only allows responsible managers, members of the banking industry to evaluate and build a healthy bank, but this knowledge is also important for policy makers to design safe and effective management rules in the banking sector, thereby minimizing negative impacts on the profitability of banks.