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How Credit Portfolio Diversification Affects the Profitability of Vietnamese Commercial Banks
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Author(s): Huynh Viet Khai (Can Tho University, Vietnam), Phan Thi Anh Nguyet (Can Tho University, Vietnam), Phan Dinh Khoi (Can Tho University, Vietnam)and Chu Van Nam (Can Tho University, Vietnam)
Copyright: 2020
Pages: 19
Source title:
Corporate Governance Models and Applications in Developing Economies
Source Author(s)/Editor(s): Otuo Serebour Agyemang (University of Cape Coast, Ghana), Abraham Ansong (University of Cape Coast, Ghana)and Ben Kwame Agyei-Mensah (Solbridge International School of Business, South Korea)
DOI: 10.4018/978-1-5225-9607-3.ch012
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Abstract
This study analyzed the impact of credit portfolio diversification on the profitability by using the data of 20 Vietnam commercial banks from 2009 to 2015. The results from feasible generalized least squares (FGLS) estimation show that the strategy of diversifying the credit portfolio increased the profitability of commercial banks. In addition, the study also indicates that the positive correlation of the ratio of owners' equity, credit growth, liquidity, assets, inflation rate with the profitability while the increase in non-performing loan decreased the profitability of these commercial banks.
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