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Please use this identifier to cite or link to this item: https://digital.lib.ueh.edu.vn/handle/UEH/55159
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dc.contributor.authorNguyen Thi Canh-
dc.contributor.otherNguyen Thi Diem Hien-
dc.date.accessioned2017-09-14T11:02:05Z-
dc.date.available2017-09-14T11:02:05Z-
dc.date.issued2015-
dc.identifier.issn1859 -1124-
dc.identifier.urihttp://digital.lib.ueh.edu.vn/handle/UEH/55159-
dc.identifier.urihttp://jabes.ueh.edu.vn/Home/SearchArticle?article_Id=609e755d-e6b4-4905-b6e9-ba4eaa3e21f4-
dc.description.abstractThis paper employs CAMELS rating system to evaluate the performance and soundness of Vietnam’s commercial banks. Based on the analysis of data from financial statements of the banks in the years 2005/2008–2013, the research results show that the total assets and equity capital of Vietnam’s commercial banks have increased, but their efficiency is not yet high and tends to gradually decrease. The expense-to-revenue ratio was higher than 80% while the return on assets (ROA) ratio remained around 1% and had a tendency to sharply fall to 0.77% and 0.56% in 2012 and 2013 respectively. The return on equity (ROE) ratio, in addition, fell steadily in 2012 (7.42%) and 2013 (5.84%). The findings also indicate that profitability of state-owned commercial banks is higher than that of private joint-stock ones. Additionally, risk degree was high because of a high bad debt (around 4%) and low liquidity (around 90% of loan-to-deposit ratio). In addition to its analysis, the research offers sevaral recommendations that aim at improving banking efficiency and mitigating risk as for Vietnam’s commercial banks.-
dc.formatPortable Document Format (PDF)-
dc.publisherTrường Đại học Kinh tế Tp. Hồ Chí Minh-
dc.relation.ispartofJournal of Economic Development-
dc.relation.ispartofseriesJED, Vol.22(2)-
dc.subjectCAMELS-
dc.subjectVietnam’s commercial bank-
dc.subjectState owned commercial bank-
dc.subjectPrivate joint-stock commercial bank-
dc.titleReality of Vietnam’s commercial bank performance and soundness-
dc.typeJournal Article-
dc.relation.referenceBrown, C., & Davis, K.(2008). Capital management in mutual financial institutions. Journal of Banking & Finance, 33(3), 443–455.-
dc.relation.referenceDash,M., & Das, A. (2013). Performance appraisal of Indian banks using CAMELS Rating. The IUP Journal of Bank Management, 12(2), 31–42.-
dc.relation.referenceDIV. (2014). Financial statements and annual reports fromVietnam’s commercial banks (in Vietnamese). Hanoi, Vietnam: DepositInsurance of Vietnam.-
dc.relation.referenceEvans, O., & Associates(2000). Macroprudential indicators offinancial system soundness. Washington, D. C.: The International MonetaryFund.-
dc.relation.referenceHilbers, P., Krueger, R., & Moretti, M. (2000). New tools for assessing financial systemsoundness. IMF-Finance & Development,57(3).-
dc.relation.referenceSBV.(2013). Circulars No. 02/2013/TT-NHNN on classification of assets, levels andmethods of setting up of risk provisions, and use of provisions against creditrisks in the banking acitivity of credit institutions, foreign banks’ branches (in Vietnamese). Retrieved fromhttp://lawfirm.vn/?a=doc&id=2730-
dc.relation.referenceSBV. (2014). Annual statement of 2009, 2010, 2011, 2012,and 2013 (in Vietnamese). Retrieved Oct. 15, 2014 fromhttp://www.sbv.gov.vn/-
dc.identifier.doihttp://doi.org/10.24311/jed/2015.22.2.07-
dc.format.firstpage48-
dc.format.lastpage69-
item.cerifentitytypePublications-
item.fulltextOnly abstracts-
item.grantfulltextnone-
item.openairecristypehttp://purl.org/coar/resource_type/c_18cf-
item.openairetypeJournal Article-
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