| dc.description.abstract | This research investigates the determinants of 30 Vietnamese commercial banks'
performance through a comprehensive analysis of panel data employing fixed effects
models. Two key models were explored, focusing on Return on Assets (ROA) and
Return on Equity (ROE) as the dependent variables. The study considered various
internal and external factors, including capitalization, net interest margin, loan loss
provisions ratio, political risks, oil price shocks, and macroprudential regulations.
Notably, the findings revealed that political risks exerted a statistically significant
negative impact on both ROA and ROE, aligning with prior literature. Oil price shocks,
specifically oil demand shocks, exhibited a negative impact on ROA, while oil supply
shocks did not significantly affect either performance measure. Additionally,
macroprudential regulations displayed a positive impact on ROA. The study further
identified the significance of bank size, capitalization, net interest margin, and total
operating costs in influencing performance. The research contributes to the literature
on banking performance determinants in Vietnam, offering insights for policymakers,
practitioners, and scholars. However, limitations exist, including the reliance on
secondary data and a specific timeframe, warranting caution in generalizing the
findings. Recommendations for future research involve exploring additional variables,
employing primary data sources, and conducting cross-country comparisons for a more
nuanced understanding of banking dynamics | en_US |
