The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam
The aim of this study is to investigate the impact of non-performing loans on profitability and lending behavior, using an empirical framework that examines whether an increase of NPLs can lead banks to reduce their profitability and lending activity. To account for profit and lending persistence, t...
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University of Economics Ho Chi Minh City
2023
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| Truy cập trực tuyến: | http://jabes.ueh.edu.vn/Home/SearchArticle?article_Id=69a29499-5c82-40c9-bf55-df9e4b92dc4d http://scholar.dlu.edu.vn/thuvienso/handle/DLU123456789/115553 |
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oai:scholar.dlu.edu.vn:DLU123456789-1155532023-03-08T03:57:04Z The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam Nguyen, Thi Hong Vinh The aim of this study is to investigate the impact of non-performing loans on profitability and lending behavior, using an empirical framework that examines whether an increase of NPLs can lead banks to reduce their profitability and lending activity. To account for profit and lending persistence, the paper applies the Generalized Method of Moments technique for dynamic panels using bank-level data for 34 Vietnamese commercial banks over the period from 2005 to 2015. Throughout the whole sample, we find some evidence that the non-performing loan has a statistically significant negative effect on Vietnamese commercial banks profitability and lending behavior. The estimation results also show that other bank specific and macroeconomic determinants affect bank profitability and lending behavior significantly in the anticipated way. These findings will be helpful for bank managers and policy makers to improve the performance and lending behavior of Vietnamese commercial banks. 2023-03-08T03:57:04Z 2023-03-08T03:57:04Z 2017 Article 2615-9112 http://jabes.ueh.edu.vn/Home/SearchArticle?article_Id=69a29499-5c82-40c9-bf55-df9e4b92dc4d http://scholar.dlu.edu.vn/thuvienso/handle/DLU123456789/115553 10.24311/jabes/2017.24.3.06 en Journal of Asian Business and Economic Studies, Volume 24, Issue 03; p. 27-44 application/pdf University of Economics Ho Chi Minh City |
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Thư viện Trường Đại học Đà Lạt |
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Thư viện số |
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English |
| description |
The aim of this study is to investigate the impact of non-performing loans on profitability and lending behavior, using an empirical framework that examines whether an increase of NPLs can lead banks to reduce their profitability and lending activity. To account for profit and lending persistence, the paper applies the Generalized Method of Moments technique for dynamic panels using bank-level data for 34 Vietnamese commercial banks over the period from 2005 to 2015. Throughout the whole sample, we find some evidence that the non-performing loan has a statistically significant negative effect on Vietnamese commercial banks profitability and lending behavior. The estimation results also show that other bank specific and macroeconomic determinants affect bank profitability and lending behavior significantly in the anticipated way. These findings will be helpful for bank managers and policy makers to improve the performance and lending behavior of Vietnamese commercial banks. |
| format |
Article |
| author |
Nguyen, Thi Hong Vinh |
| spellingShingle |
Nguyen, Thi Hong Vinh The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| author_facet |
Nguyen, Thi Hong Vinh |
| author_sort |
Nguyen, Thi Hong Vinh |
| title |
The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| title_short |
The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| title_full |
The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| title_fullStr |
The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| title_full_unstemmed |
The impact of non-performing loans on bank profitability and lending behavior:Evidence from Vietnam |
| title_sort |
impact of non-performing loans on bank profitability and lending behavior:evidence from vietnam |
| publisher |
University of Economics Ho Chi Minh City |
| publishDate |
2023 |
| url |
http://jabes.ueh.edu.vn/Home/SearchArticle?article_Id=69a29499-5c82-40c9-bf55-df9e4b92dc4d http://scholar.dlu.edu.vn/thuvienso/handle/DLU123456789/115553 |
| _version_ |
1765278482095407104 |