| dc.description.abstract | The study analyzed the efficiency of 25 Vietnamese commercial banks between 2016
and 2020. This study combined Data Envelopment Analysis (DEA) application and the
Malmquist Index approach to evaluate the efficiency. The author used data from the
consolidated financial statements to conduct a study according to the DEA model with
Variable Return to Scale (VRS) assumptions. This study selected 3 inputs (Fixed assets,
Operating expense, Customer deposit) and 3 outputs (Investment Security, Customer loans,
Operating income) in the intermediary approach direction. Research results showed that
scale efficiency is higher than technical efficiency (DEAVRS). State-owned banks (SOCBs)
were more efficient than joint-stock banks (JSCBs) during the study period. 2020 is the
year banks have reduced operational efficiency due to the impact of Covid-19. Based on
research, parties should have policies to improve efficiency such as improving technical
and technological quality, reducing dependence on interest income, diversifying products
and services, etc. The solutions contribute to increasing the operational efficiency of
Vietnam's banking industry and increasing competitiveness. The study also has some
limitations and suggestions to overcome in future similar research papers | en_US |
