@article{1949, author = "Dr. Thi Lan Phuong Dang and Dr. Ngoc Diep Vu and Dr. Viet Ha Phung and Dr. Thanh Huyen Le and Ms. Quynh Anh Vu and Ms. Thi Phuong Pham", abstract = "Based on the regression method according to the fixed and random effect models on the basis of the balance sheet data, the article studies the relationship between the profitability of credit activity and the non-performing loan ratio (NPL ratio) of Vietnamese commercial banks in the period from 2015 to 2021, the period affected by the Covid-19 epidemic. To achieve the research objective, the authors utilized the data of 15 commercial banks, ranging in size from small to large banks and the data account for about 70% of total assets, 70% of total charter capital and 85% of total outstanding loans of Vietnamese commercial banks. On that basis, the study shows that the net interest margin has a positive and statistically significant impact on NPL ratio in the context of covid-19. Meanwhile, a few other factors such as asset size and loan growth rate of commercial banks have a negative relationship and are statistically significant with the NPL ratio.", issn = "23495219", journal = "IJIRES", keywords = "Asset Size, Covid-19, Net Interest Margin, Non-Performing Loan Ratio", month = "November", number = "6", pages = "233-244", title = "{R}elationship {B}etween the {P}rofitability from {C}redit {A}ctivity and the {N}on-{P}erforming {L}oan {R}atio of {C}ommercial {B}ank in {V}ietnam {D}uring {C}ovid-19 {P}eriod", volume = "9", year = "2022", }