Research on the impact of loan portfolios on profitability of joint stock commercial banks

MINISTRY OF EDUCATION AND TRAINING UNIVERSITY OF ECONOMY HCMC. Ho Chi Minh City - TA THI NHI NHI RESEARCH IMPACT OF LOANS ON PROFIT OF VIETNAM JOINT STOCK COMMERCIAL BANKS Specialization: Finance-Banking Code: 60340201 MASTER THESIS OF ECONOMY Scientific instructor: Assoc.Prof.Dr. Tram Thi Xuan ...

Foreign banks will face lower risk due to their concentrated lending portfolio, which means they should pay attention to increasing the proportion of loans in some areas. On the other hand, allocating loans to only a few economic sectors seems to reduce the risk exposure for public banks. For the ...

Classifying the loan portfolio by credit extension helps the bank to manage the capital to meet it, thereby ensuring solvency because the bank is inherently exposed to risks due to the maturity difference. between assets and liabilities. 2.1.2.2 Classification according to loan collateral When ...

Lending is the basic activity of most banks, so the risk that is concentrated on the loan portfolio is also the most basic type of risk within a bank.” According to the Basel Committee definition, “risk A concentration is any single risk or group of risks that is likely to produce a loss ...

The pace of development of Vietnam's banking system and financial market is relatively fast, thereby significantly improving its financial depth. However, growth in quantity is not equivalent to growth in quality. The number of banks is large, but the size of most Vietnamese commercial banks is ...

- The loan portfolio of joint-stock commercial banks shows signs of potentially large concentrations of risk. These risks will turn into serious financial losses for banks once the economy turns unfavorable. This has been proven through the actual performance of Vietnamese banks in the ...

In addition, according to the Basel committee, when comparing the outstanding balance of an industry with the equity level of a bank at the same time, it will also assess the concentration of risk of the portfolio. The data on the annual reports of joint stock commercial banks show that at ...

It can be seen that Vietcombank's ratio of bad debt provision to total outstanding loans is the highest compared to some other banks, and has always been the leader in the period 2010-2014, showing caution in assessing loans. and make reasonable provisions. Besides, we also need to look at the ...

In general, through many empirical studies, the obtained results are quite consistent with the conclusion that the ratio of equity to total assets has a positive relationship with bank performance. This is consistent with the fact that banks with higher capital ratios have lower funding costs ...

- Specifically, the fixed effect estimate is verified by the F-test with the hypothesis H0 that all vi coefficients are zero (that is, there is no difference between subjects or different time points). ). Rejecting hypothesis H0 with a given significance level (eg 5% significance level) will show ...

Thus, in Vietnam, the more concentrated the structure of the loan portfolio , the higher the profit . However, the concentration of lending in a few industries also makes banks face a high risk of default if those industries have strong fluctuations. CONCLUSION CHAPTER 4 In this chapter, the ...

It should be seen that the lack of attention to loan portfolio management or the application of passive portfolio management that some commercial banks are doing at present cannot be appropriate and adaptive in future conditions. Because in the modern economy there are many unpredictable ...

- Transforming the accounting account system, accounting contents, accounting voucher regime and building all kinds of accounting reports and financial statements in accordance with the practices and standards of the international accounting system. . - The transformation of the accounting system ...

APPENDIX APPENDIX 1: Proportion of loan portfolio of large-scale banks in the period 2004-2014 Unit: % CTG 2004 2005 2006 2007 2008 2009 2010 2011 2012 two thousand and thirteen 2014 Commerce 21.63% 31.98% 35.39% 21.13% 18.74% 21.10% 11.55% 11.75% 29.13% 28.49% 28.72% Agriculture and Forestry ...

APPENDIX 2: Proportion of outstanding loans of the group of medium-sized banks in the period 2004-2014 Unit: % MSB 2004 2005 2006 2007 2008 2009 2010 2011   two thousand and thirteen 2014 Commerce 0.00% 0.00% 21.65% 18.88% 0.00% 0.00% 22.90% 19.96% 16.31% 8.13% 0.00% Agriculture and Forestry 0.00% ...

Education and training 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.46% 2.42% 0.00% Real estate consulting and business 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.17% 14.47% 0.00% Restaurants and hotels 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Financial ...

ACB 2004 2005 2006 2007 2008 2009 2010 2011 2012 two thousand and thirteen 2014 Net interest income 49.72% 126.93% 112.74% 43.40% 64.35% 56.75% 75.85% 86.41% 117.76% 77.64% 78.69% Net profit/loss from service activities 23.91% 23.99% 20.38% 8.98% 14.31% 17.62% 15.05% 10.80% 12.04% 13.64% 11.47% Net ...

LIENVIET 2004 2005 2006 2007 2008 2009 2010 2011 2012 two thousand and thirteen 2014 Net interest income 0.00% 0.00% 0.00% 0.00% 73.54% 95.50% 105.25% 97.94% 106.17% 106.16% 108.42% Net profit/loss from service activities 0.00% 0.00% 0.00% 0.00% 0.02% 1.99% 5.36% -1.93% -6.24% -8.59% -14.50% Net ...

Net profit/loss from service activities 0.00% 0.00% 0.00% 0.39% 3.07% 8.62% 10.95% 3.88% 2.41% 5.57% 5.01% Net profit/loss from forex and gold trading 0.00% 0.00% 0.00% 12.13% 33.26% 10.19% 2.60% 1.91% 3.83% 6.01% 4.71% Net profit/loss from trading securities 0.00% 0.00% 0.00% 0.00% 0.64% 0.34% ...

Net profit/loss from service activities -41.09% 7.44% 6.52% 1.17% 0.76% 3.21% 4.07% 0.54% 0.40% 1.36% 0.60% Net profit/loss from forex and gold trading 0.00% 3.20% 12.22% 15.70% 29.64% 14.03% -2.28% -21.09% -8.85% -35.25% -21.40% Net profit/loss from trading securities 0.00% 0.00% 17.64% 19.28% ...

MSB 2010 115,336,083 6,327,589 185.634 0.0549 0.2342 0.0129 0.1681 MSB 2011 114,374,998 9,499,881 185,550 0.0831 0.1008 0.0069 0.1769 MSB 2012 109,923,376 9,090,031 185,153 0.0827 0.0244 0.002 0.1838 MSB two thousand and thirteen 107,114,882 9,412,546 184.894 0.0879 0.0357 0.003 0.1894 MSB 2014 ...