Publisher :  Timeline Publication Pvt. Ltd , .ISSN : 2349 - 5219

International Journal of Innovation and Research in Educational Sciences

Relationship Between the Profitability from Credit Activity and the Non-Performing Loan Ratio of Commercial Bank in Vietnam During Covid-19 Period

Hits: 396
Select Volume / Issue:
Year:
2022
Type of Publication:
Article
Keywords:
Asset Size, Covid-19, Net Interest Margin, Non-Performing Loan Ratio
Authors:
  • Dang, Dr. Thi Lan Phuong
  • Vu, Dr. Ngoc Diep
  • Phung, Dr. Viet Ha
  • Le, Dr. Thanh Huyen
  • Vu, Ms. Quynh Anh
  • Pham, Ms. Thi Phuong
Journal:
IJIRES
Volume:
9
Number:
6
Pages:
233-244
Month:
November
ISSN:
2349-5219
BibTex:
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.

Our Journals

  • International Journal of Electronics Communication and Computer Engg.
    ISSN(Online): 2249 - 071X ,www.ijecce.org
  • International Journal of Engineering Innovations and Research
    ISSN(Online) : 2277 – 5668 , www.ijeir.org
  • International Journal of Agriculture Innovations and Research
    (ISSN(Online) : 2319 – 1473) , www.ijair.org
  • International Journal of Applied Science and Mathematics
    www.ijasm.org
  • International Journal of Artificial Intelligence and Mechatronics
    ISSN(Online) : 2320 – 5121 , www.ijaim.org
  • International Journal of Research in Agricultural Sciences
    ISSN (Online) : 2348 – 3997 , www.ijras.org
  • International Journal of Innovation in Science and Mathematics
    ISSN(Online): 2347 – 9051 , www.ijism.org
  • International Journal of Innovation and Research in Educational Sciences
    ISSN : 2349 - 5219 , www.ijires.org
  • International Journal of Research And Innovations in Earth Science
    ISSN( Online) : 2394-1375 , www.ijries.org