Ấn phẩm:
Assessing the performance of Vietnam’s Banks in the era of free trade agreements
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The performance of banks is a great barometer of the sustainability of the economy,
particularly for emerging economies. In the expansion of its economy, over the last decade, Vietnam
has entered a series of free trade agreements, such as the European Union–Vietnam Free Trade
Agreement (EVFTA) in 2020. In that context, this study assesses the performance of Vietnam’s
banks in the period of 2020–2021 and explores the relationship between performance and various
demographic and environmental variables. This study utilizes data envelopment analysis with
two disposability concepts where desirable outputs (e.g., return on equity) are maximized while
undesirable outputs (e.g., non-performing loan ratio) are minimized. Subsequently, Tobit and
bootstrap truncated regression analyses are conducted for the testing of two hypotheses: (1) EVFTA’s
commitments, including the updating of the Fintech system, may be positively associated with bank’s
performance, and (2) Locations of banks, encumbered by heterogeneous levels of urban concentration
and real estate development in different regions, may be associated with the banks’ performance.
The findings are twofold: (1) While EVFTA can contribute to Vietnamese banks’ financial profit
performance through foreign trading and hedging activities, it may harm banks’ financial health
performance due to Fintech-originated bad debts and a lack of relevant regulations; and (2) Banks
in southern Vietnam outperform those in northern Vietnam in managing their credit risk by better
controlling of bad debts, which result primarily from the volatility of the real estate market and from
better positive externalities, in terms of economic, cultural, and political conditions.
Tác giả
Nguyen, Hoang
Ryu, Youngbok
Người hướng dẫn
Nơi xuất bản
Nhà xuất bản
Năm xuất bản
2022
ISSN tạp chí
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Từ khóa chủ đề
Economic development
Bộ sưu tập
URI
Tài liệu tham khảo
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Assessing the Performance of Vietnam.pdf
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