Article Sidebar
Views PDF: 210
Studying factors influencial to net interest margin of commercial banks In Vietnam
Main Article Content
Abstract
This paper used data panels collected from the consolidated financial statements of 25 commercial banks in Vietnam within the period 2011-2014. It also used Hausman-Breusch test and the Pagan Lagrangian multiplier to choose the best model accounting for those factors influential to net interest margin. The empirical results showed that credit risk and intangible interest payments have a positive and statistically significant relationship with net interest margin, which however has a statistically negative one with management quality. The research results are helpful to bankers in effectively operating activities in the current economic integration.
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Keywords
Net interest margin (NIM), commercial banks, Vietnam
References
Financial Economics Letters, 1(1), p. 53-57.
[2]. Hoàng Trung Khánh, Vũ Thị Đan Trà (2015), “Những nhân tố ảnh hưởng đến hệ số thu nhập lãi thuần (NIM) của các NHTM tại Việt Nam”, Tạp chí Kinh tế & Phát triển, (215), tr. 47-55.
[3]. Kasman, A., Tunc, G., Vardar, G., & Okan, B. (2010), “Consolidation and commercial bank net interest margins: Evidence from the old and new European Union members and candidate countries”, Economic Modelling, 27(3), p. 648-655.
[4]. Maudos, J., & De Guevara, J. F. (2004), “Factors explaining the interest margin in the banking sectors of the European Union”, Journal of Banking & Finance, 28(9), p. 2259-2281.
[5]. Sharma, P. & Gounder, N. (2011), “Determinants of bank net interest margins in a Small Island Developing Economy: Panel Evidence from Fiji”, Discussion Papers Finance, Griffi th Business School.
[6]. Tarus, D. K. & Chekol, Y. B. (2012), “Determinants of net interest margin in Kenyan commercial banks”, GSTF Business Review (GBR), 2(1), 26.
[7]. Nguyễn Kim Thu, Đỗ Thị Thanh Huyền (2014), “Phân tích các yếu tố ảnh hưởng đến thu nhập lãi cận biên của các NHTM Việt Nam”, Tạp chí Khoa học Đại học Quốc gia Hà Nội: Kinh tế và Kinh doanh, (4), tr. 55-65.
[8]. Zhou, K., Wong, M. C. (2008), “The determinants of net interest margins of commercial banks in mainland China”, Emerging Markets Finance & Trade, 5(44), p. 41-53.