The impact of competitiveness factors on business performance of joint stock commercial banks in Ho Chi Minh City - 20

218



Estimate

Q21

<---

Ability to organize human resources

.738

Q22

<---

Ability to organize human resources

.779

Q23

<---

Ability to organize human resources

.743

Q24

<---

Ability to organize human resources

.814

Q25

<---

Ability to organize human resources

.790

Q27

<---

Customer response

.701

Q28

<---

Customer response

.765

Q29

<---

Customer response

.806

Q38

<---

Competition

.646

Q40

<---

Suitable for business environment

.614

Q42

<---

Suitable for business environment

.838

Q43

<---

Suitable for business environment

.878

Q44

<---

Suitable for business environment

.821

Q17

<---

Ability to organize human resources

.670

Q12

<---

Ability_Courage

.735

Q35

<---

Competition

.895

Q36

<---

Competition

.865

Q37

<---

Competition

.800

Q33

<---

Relationship quality

.591

Q32

<---

Relationship quality

.545

Q34

<---

Relationship quality

.741

Q14

<---

Ability_Courage

.675

Q48

<---

Ability to innovate products and services

.819

Q47

<---

Ability to innovate products and services

.852

Q46

<---

Ability to innovate products and services

.830

Q45

<---

Ability to innovate products and services

.727

Q64

<---

Business results of commercial banks

.809

Q65

<---

Business results of commercial banks

.862

Q66

<---

Business results of commercial banks

.729

Q63

<---

Business results of commercial banks

.803

Q62

<---

Business results of commercial banks

.807

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The impact of competitiveness factors on business performance of joint stock commercial banks in Ho Chi Minh City - 20


Covariances: (Group number 1 - Default model)



Estimate

SE

CR

P

Financial_ability

<-->

Ability to innovate products and services

.357

.057

6,278

***

Service organization ability

<-->

Ability to innovate products and services

.395

.053

7,515

***

Service organization ability

<-->

Risk management ability

.456

.056

8,118

***

Financial_ability

<-->

Service organization ability

.405

.058

6,990

***

Risk management ability

<-->

Ability to innovate products and services

.441

.056

7,840

***

Financial_ability

<-->

Risk management ability

.379

.058

6,519

***

Financial_ability

<-->

Management ability

.399

.059

6.812

***

Management ability

<-->

Marketing_capabilities

.339

.048

7,045

***

Ability to change new products

<-->

Marketing_capabilities

.414

.054

7,727

***

219



Estimate

SE

CR

P

DV







Risk management ability

<-->

Marketing_capabilities

.362

.049

7,418

***

Service organization ability

<-->

Marketing_capabilities

.330

.046

7,199

***

Management ability

<-->

Ability to innovate products and services

.408

.055

7,386

***

Service organization ability

<-->

Management ability

.326

.048

6.810

***

Risk management ability

<-->

Management ability

.362

.051

7,047

***

Financial_ability

<-->

Marketing_capabilities

.326

.050

6.510

***

Marketing_capabilities

<-->

Business results of commercial banks

.301

.042

7,226

***

Management ability

<-->

Business results of commercial banks

.285

.043

6,684

***

Financial_ability

<-->

Business results of commercial banks

.392

.054

7,246

***

Ability to innovate products and services

<-->

Business results of commercial banks

.354

.047

7,472

***

Service organization ability

<-->

Business results of commercial banks

.351

.046

7,599

***

Risk management ability

<-->

Business results of commercial banks

.392

.049

7,925

***


Correlations: (Group number 1 - Default model)



Estimate

Financial_ability

<-->

Ability to innovate products and services

.510

Service organization ability

<-->

Ability to innovate products and services

.658

Service organization ability

<-->

Risk management ability

.756

Financial_ability

<-->

Service organization ability

.601

Risk management ability

<-->

Ability to innovate products and services

.703

Financial_ability

<-->

Risk management ability

.538

Financial_ability

<-->

Management ability

.652

Management ability

<-->

Marketing_capabilities

.809

Ability to innovate products and services

<-->

Marketing_capabilities

.865

Risk management ability

<-->

Marketing_capabilities

.753

Service organization ability

<-->

Marketing_capabilities

.716

Management ability

<-->

Ability to innovate products and services

.747

Service organization ability

<-->

Management ability

.620

Risk management ability

<-->

Management ability

.659

Financial_ability

<-->

Marketing_capabilities

.607

Marketing_capabilities

<-->

Business results of commercial banks

.717

Management ability

<-->

Business results of commercial banks

.595

Financial_ability

<-->

Business results of commercial banks

.638

Ability to innovate products and services

<-->

Business results of commercial banks

.647

Service organization ability

<-->

Business results of commercial banks

.668

Risk management ability

<-->

Business results of commercial banks

.713

Model Fit Summary

220


CMIN

Model

NPAR

CMIN

DF

P

CMIN/DF

Default model

124

1804.129

1052

.000

1,715

Saturated model

1176

.000

0



Independence model

48

10924.917

1128

.000

9,685

RMR, GFI

Model

RMR

GFI

AGFI

PGFI

Default model

.062

.809

.786

.723

Saturated model

.000

1,000



Independence model

.455

.118

.080

.113

Baseline Comparisons

Model

NFI

Delta1

RFI

rho1

IFI

Delta2

TLI

rho2

CFI

Default model

.835

.823

.924

.918

.923

Saturated model

1,000


1,000


1,000

Independence model

.000

.000

.000

.000

.000

RMSEA

Model

RMSEA

LO 90

HI 90

PCLOSE

Default model

.047

.044

.051

.874

Independence model

.165

.162

.168

.000

221


9. SEM results of theoretical model


222


Notes for Model (Default model)

Computation of degrees of freedom (Default model)

Number of distinct sample moments:

1176

Number of distinct parameters to be estimated:

124

Degrees of freedom (1176 - 124):

1052

Result (Default model) Minimum was achieved Chi-square = 1804.129 Degrees of freedom = 1052 Probability level = .000


Regression Weights: (Group number 1 - Default model)


Estimate

SE

CR

P

Ability_Courage

<---

Management ability

1,000




Ability to organize human resources

<---

Management ability

1.124

.116

9,694

***

Relationship quality

<---

Marketing_capabilities

1,009

.130

7,782

***

Customer response

<---

Marketing_capabilities

1,000




Competition

<---

Marketing_capabilities

1,284

.125

10,278

***

Suitable for business environment

<---

Marketing_capabilities

.877

.102

8,611

***

Business results of commercial banks

<---

Risk management ability

.270

.080

3,368

***

Business results of commercial banks

<---

Service organization ability

.074

.075

.986

.024

Business results of commercial banks

<---

Ability to innovate products and services

.068

.102

.669

.053

Business results of commercial banks

<---

Financial_ability

.237

.060

3,980

***

Business results of commercial banks

<---

Marketing_capabilities

.350

.181

1,934

.003

Business results of commercial banks

<---

Management ability

.164

.103

1,592

.011

Q05

<---

Financial_ability

.799

.074

10,797

***

Q04

<---

Financial_ability

.902

.080

11,217

***

Q03

<---

Financial_ability

.844

.072

11,736

***

Q02

<---

Financial_ability

1,000




Q56

<---

Service organization ability

1,139

.078

14,517

***

Q55

<---

Service organization ability

1.175

.074

15,849

***

Q54

<---

Service organization ability

1,120

.077

14,549

***

Q53

<---

Service organization ability

1,000




Q61

<---

Risk management ability

1.011

.075

13,484

***

Q59

<---

Risk management ability

1,020

.071

14,462

***

Q58

<---

Risk management ability

1,022

.072

14,110

***

Q57

<---

Risk management ability

1,000




Q06

<---

Ability_Courage

1,000




Q09

<---

Ability_Courage

.953

.085

11,254

***

Q10

<---

Ability_Courage

1,138

.096

11,859

***

Q11

<---

Ability_Courage

.942

.083

11,316

***

223



Estimate

SE

CR

P

Q19

<---

Ability to organize human resources

1,000




Q21

<---

Ability to organize human resources

1,012

.083

12,168

***

Q22

<---

Ability to organize human resources

1,080

.084

12,783

***

Q23

<---

Ability to organize human resources

.992

.081

12,246

***

Q24

<---

Ability to organize human resources

1,055

.079

13,294

***

Q25

<---

Ability to organize human resources

1,042

.080

12,951

***

Q27

<---

Customer response

1,000




Q28

<---

Customer response

1,277

.107

11,936

***

Q29

<---

Customer response

1,184

.095

12,406

***

Q38

<---

Competition

.706

.054

13,045

***

Q40

<---

Suitable for business environment

1,000




Q42

<---

Suitable for business environment

1,402

.120

11,647

***

Q43

<---

Suitable for business environment

1,428

.119

11,979

***

Q44

<---

Suitable for business environment

1,365

.119

11,501

***

Q17

<---

Ability to organize human resources

.893

.080

11,116

***

Q12

<---

Ability_Courage

.957

.083

11,564

***

Q35

<---

Competition

1,000




Q36

<---

Competition

.948

.046

20,717

***

Q37

<---

Competition

.899

.050

18,135

***

Q33

<---

Relationship quality

1,033

.103

10,009

***

Q32

<---

Relationship quality

1,000




Q34

<---

Relationship quality

1,263

.146

8,678

***

Q14

<---

Ability_Courage

.906

.084

10,743

***

Q48

<---

Ability to innovate products and services

1,033

.073

14,244

***

Q47

<---

Ability to innovate products and services

1,137

.077

14,821

***

Q46

<---

Ability to innovate products and services

1.103

.076

14,438

***

Q45

<---

Ability to innovate products and services

1,000




Q64

<---

Business results of commercial banks

1,388

.098

14,184

***

Q65

<---

Business results of commercial banks

1,329

.088

15,124

***

Q66

<---

Business results of commercial banks

1,000




Q63

<---

Business results of commercial banks

1.201

.085

14,085

***

Q62

<---

Business results of commercial banks

1,304

.092

14,150

***



Standardized Regression Weights: (Group number 1 - Default model)


Estimate

Ability_Courage

<---

Management ability

.898

Ability to organize human resources

<---

Management ability

.933

Relationship quality

<---

Marketing_capabilities

.910

Customer response

<---

Marketing_capabilities

.838

224



Estimate

Competition

<---

Marketing_capabilities

.779

Suitable for business environment

<---

Marketing_capabilities

.841

Business results of commercial banks

<---

Risk management ability

.310

Business results of commercial banks

<---

Service organization ability

.081

Business results of commercial banks

<---

Ability to innovate products and services

.078

Business results of commercial banks

<---

Financial_ability

.304

Business results of commercial banks

<---

Marketing_capabilities

.307

Business results of commercial banks

<---

Management ability

.164

Q05

<---

Financial_ability

.670

Q04

<---

Financial_ability

.699

Q03

<---

Financial_ability

.736

Q02

<---

Financial_ability

.734

Q56

<---

Service organization ability

.837

Q55

<---

Service organization ability

.921

Q54

<---

Service organization ability

.839

Q53

<---

Service organization ability

.717

Q61

<---

Risk management ability

.755

Q59

<---

Risk management ability

.805

Q58

<---

Risk management ability

.787

Q57

<---

Risk management ability

.761

Q06

<---

Ability_Courage

.673

Q09

<---

Ability_Courage

.712

Q10

<---

Ability_Courage

.757

Q11

<---

Ability_Courage

.716

Q19

<---

Ability to organize human resources

.688

Q21

<---

Ability to organize human resources

.738

Q22

<---

Ability to organize human resources

.779

Q23

<---

Ability to organize human resources

.743

Q24

<---

Ability to organize human resources

.814

Q25

<---

Ability to organize human resources

.790

Q27

<---

Customer response

.701

Q28

<---

Customer response

.765

Q29

<---

Customer response

.806

Q38

<---

Competition

.646

Q40

<---

Suitable for business environment

.614

Q42

<---

Suitable for business environment

.838

Q43

<---

Suitable for business environment

.878

Q44

<---

Suitable for business environment

.821

Q17

<---

Ability to organize human resources

.670

Q12

<---

Ability_Courage

.735

Q35

<---

Competition

.895

Q36

<---

Competition

.865

Q37

<---

Competition

.800

Q33

<---

Relationship quality

.591

225



Estimate

Q32

<---

Relationship quality

.545

Q34

<---

Relationship quality

.741

Q14

<---

Ability_Courage

.675

Q48

<---

Ability to innovate products and services

.819

Q47

<---

Ability to innovate products and services

.852

Q46

<---

Ability to innovate products and services

.830

Q45

<---

Ability to innovate products and services

.727

Q64

<---

Business results of commercial banks

.809

Q65

<---

Business results of commercial banks

.862

Q66

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