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Journal articles on the topic 'Joint-stock banks'

Author: Grafiati

Published: 28 July 2024

Last updated: 31 July 2025

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1

Hong, Nguyen Thi Phuong. "Factors affecting the financial reporting quality in commercial banks: Evidence in Vietnam." International Journal of Applied Economics, Finance and Accounting 19, no. 2 (2024): 271–83. http://dx.doi.org/10.33094/ijaefa.v19i2.1699.

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The research aims to investigate the factors affecting the financial reporting quality (FRQ) of Vietnam’s commercial banks. These factors include board size, board independence, bank size, operating time, and the bank’s profit. The data for this study were collected from financial reports and annual reports of Vietnamese joint-stock commercial banks for the period 2019-2022. The author made a comparison of 3 models-Pooled Ordinary Least Square (Pooled OLS), Rem Effects Model (REM), and Fixed Effects Model (FEM) to select the best model. The results indicated that FEM was the most appropriate m

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2

Trần, Tâm Thanh, and Lê Vũ Tường Vy. "Effects of banking scale and operating expenses to profit of joint stock commercial banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 2 (2021): first. http://dx.doi.org/10.32508/stdjelm.v5i2.733.

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The operation of the bank is an important economic activity, which has contributed significantly to the development of the national economy over the past years. Therefore, the efficiency in the business operations of joint stock commercial banks is a topic that needs to be addressed, as it directly affects the efficiency in providing capital to businesses, as well as the stability and development of the financial market. Determining the factors affecting the profitability of joint-stock commercial banks will help managers to operate the bank's operations more efficiently. The purpose of this p

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3

Fang, Xianming, and Yu Jiang. "Impact of the joint-stock reform of commercial banks on the effectiveness of monetary policy in China." Panoeconomicus 63, no. 3 (2016): 325–38. http://dx.doi.org/10.2298/pan1603325f.

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Over the past decade, the Chinese government has conducted the joint-stock reform of state-owned commercial banks. The joint-stock reform improves the marketization level of the ownership structure of commercial banks and consequently leads to impacts on the effectiveness of monetary policy. This paper first presents the impacting mechanisms of the joint-stock reform of commercial banks on the effectiveness of monetary policy and then constructs an empirical model to test those impacts. The empirical results show that the increasing degree of joint-stock reform of commercial banks enhances the

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4

YE, KANGWEI. "OFF-BALANCE SHEET ACTIVITIES AND BANK RISKS: AN INVESTIGATION OF THE LISTED COMMERCIAL BANKS IN CHINA (1999–2013)." Annals of Financial Economics 10, no. 01 (2015): 1550004. http://dx.doi.org/10.1142/s2010495215500049.

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Based on a broad set of 16 listed commercial banks in China during the period 1999–2013, this paper makes the empirical analysis of the relationship between the development of off-balance sheet (OBS) activities and the banks' overall risk, bankruptcy risk and credit risk. Innovation of this article is mainly reflected in: (1) Considering different types of risk variables, it gives a more comprehensive disclosure of the bank's risk characteristics. (2) Dividing the research object into joint-stock commercial banks and state-owned commercial banks, and get some new test results: The development

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Nguyen, Van Binh, Minh Viet Pham, Thi Hai Yen Doan, Thuc Quyen Doan, and Thi Hoai Thu Ho. "Research on Factors Affecting Credit Risk of Joint Stock Commercial Banks on Vietnam Stock Market." International Journal of Professional Business Review 8, no. 10 (2023): e03949. http://dx.doi.org/10.26668/businessreview/2023.v8i10.3949.

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Design/methodology/approach: The article aims at identifying factors affecting credit risk of commercial banks in Vietnam. The study uses data collected from financial statements of 15 typical joint stock commercial banks out of a total of 27 joint stock commercial banks listed on the Vietnam stock exchange from 2012 to 2022 with panel data of 15 joint stock commercial banks for the period 2012 - 2022. The banks in the research data are the those with the largest total assets in the banking system. After collecting and processing data, research sample includes 165 observations and the study us

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Trần, Tâm Thanh, and Vy Vũ Tường Lê. "Effects of quality of assets and credit loss provision expense to profit of joint stock commercial banks in Vietnam." Science & Technology Development Journal - Economics - Law and Management 5, no. 3 (2021): first. http://dx.doi.org/10.32508/stdjelm.v5i3.734.

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International economic integration is an inevitable trend and an objective requirement for any country in the current period of development. However, this process, in addition to creating certain advantages and opportunities for countries to participate in integration, also puts these countries in the face of difficulties and challenges. The roadmap for international economic integration puts the enterprises of developing countries in general, the system of joint stock commercial banks in particular, in the face of a new business environment with fierce competitive pressures and unbalanced com

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7

TranTrung, Tuan, and Anh Huu Nguyen. "Impact of accounting information systems on corporate performance: An application of agency theory." Corporate Governance and Organizational Behavior Review 7, no. 3, special issue (2023): 429–43. http://dx.doi.org/10.22495/cgobrv7i3sip17.

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Accounting information systems (AIS) provide appropriate information for managers to make decisions and improve corporate performance. When enterprises use appropriate AIS, enterprises can improve their corporate performance because the AIS can protect data, and assets, and generate useful information, thereby improving the decision-making process to achieve business goals (Akhter, 2022). Today, the need to apply appropriate AIS is increasing due to the influence of AIS on corporate performance (Al-Delawi & Ramo, 2020). This study is conducted to investigate AIS and the impact of AIS on th

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8

Lan Le, Phuong, and Hoa Thi Thanh Nguyen. "Effects of employee stock ownership plans on firm performance – evidence from listed commercial banks of Vietnam." Banks and Bank Systems 18, no. 2 (2023): 202–13. http://dx.doi.org/10.21511/bbs.18(2).2023.17.

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This study presents the effect of employee stock ownership plans on the firm performance of joint stock commercial banks in Vietnam. By using the Cobb-Douglas production function model and regression analysis model, combined with the use of financial statement data and Employee Stock Ownership Plan (ESOP) issuance reports of 18 banks listed on Ho Chi Minh and Hanoi stock exchanges from 2015 to 2019, it is found that ESOP had a positive impact on the performance of banks, but there was a lag of about two years. It can be seen that ESOP issuance has a positive effect on the financial ratios of j

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9

Linh, Vu Thuy. "Factors Affecting the Ability to Mobile Deposits of Joint Stock Commercial Banks." Nurture 19, no. 2 (2025): 20–38. https://doi.org/10.55951/nurture.v19i2.1001.

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Purpose: This study shows the level of influence of factors on the ability to mobilize deposits of joint stock commercial banks through survey and analysis of data recovery of 37 joint stock commercial banks in Vietnam. Design/methodology/approach: The article uses two basic research methods including: qualitative and quantitative research. In which, the qualitative method is a synthesis of research works related to the article, thereby determining the research hypothesis. The quantitative method is implemented on the basis of building a scale for 8 factors affecting the ability to mobilize de

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10

D’Amato, Antonio, and Angela Gallo. "Bank institutional setting and risk-taking: the missing role of directors’ education and turnover." Corporate Governance: The International Journal of Business in Society 19, no. 4 (2019): 774–805. http://dx.doi.org/10.1108/cg-01-2019-0013.

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Purpose This paper aims to analyze the relationship between bank institutional setting and risk-taking by exploring whether board education and turnover are drivers of the risk propensity of cooperative banks compared to joint-stock banks. Design/methodology/approach Based on a comprehensive data set of Italian banks over the 2011-2017 period, this paper examines whether these board characteristics affect the risk propensity of cooperative and joint-stock banks. Bank risk is measured by the Z-index, profit volatility and the ratio of non-performing loans to total gross loans. Findings The find

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11

Li, Keping. "Study on the Impact of Net Interest Margin on Income Diversification of A-Share Listed Commercial Banks." Transactions on Economics, Business and Management Research 14 (December 23, 2024): 587–90. https://doi.org/10.62051/pnfn0t92.

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This paper, based on quarterly data from listed commercial banks in China, constructs a two-way fixed-effects panel model to analyze the impact of quarterly net interest margin on income structure diversification. Sub-sample analyses are conducted for state-owned banks, joint-stock banks, urban banks, and banks of different sizes. The results show that a decline in NIM significantly promotes income structure diversification, prompting banks to increase non-interest income such as fees, commissions, and investment income to cope with the pressure of reduced interest income. The responses to thi

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12

Thu Thuy, Nguyen. "Human resource management at joint stock commercial banks in Vietnam in the context of digital transformation." International Journal of Management Studies and Social Science Research 07, no. 03 (2025): 71–77. https://doi.org/10.56293/ijmsssr.2025.5608.

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This study aims to analyze the impact of some factors on human resource development in some joint stock commercial banks in Vietnam in the context of digital transformation. Survey data were collected from 330 employees working at joint stock commercial banks in Vietnam. The study used Cronbach's Alpha testing method, exploratory factor analysis method and multiple regression analysis. The estimation results show that leadership's viewpoint, training and capacity building, salary and benefits, working environment and awareness of digital transformation are 5 important factors affecting human r

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13

Nguyen, Ha Hong. "Improving employee job satisfaction: The case of commercial banks strategy." Corporate and Business Strategy Review 5, no. 4 (2024): 134–39. http://dx.doi.org/10.22495/cbsrv5i4art12.

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The objective is to find out the factors that affect the job satisfaction of employees at commercial banks in the Mekong Delta by collecting preliminary data from 260 employees at six commercial banks in the Mekong Delta: Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank), Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV), Asia Commercial Joint Stock Bank (ACB), Saigon Thuong Tin Commercial Joint Stock Bank (Sacombank) and Vietnam Bank for Agriculture and Rural Development (A

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14

Lizunov, Pavel V. "NATIONALIZATION OF JOINT STOCK COMMERCIAL BANKS OF PETROGRAD." Ural Historical Journal 66, no. 1 (2020): 45–53. http://dx.doi.org/10.30759/1728-9718-2020-1(66)-45-53.

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15

BARNES, VICTORIA, and LUCY NEWTON. "Constructing Corporate Identity before the Corporation: Fashioning the Face of the First English Joint Stock Banking Companies through Portraiture." Enterprise & Society 18, no. 3 (2017): 678–720. http://dx.doi.org/10.1017/eso.2016.90.

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This article considers how the joint-stock banks established trust within the local marketplace. We undertake a new investigation of pictures of senior bank management. Building on the expansion of the art market in the nineteenth century, joint-stock banks used portraits as a public and visual mechanism to commemorate their successes and accomplishments. Portraiture, as a well-established art form, provided enterprises with a historical legacy that for many did not, as yet, exist. Through the use of portraiture, banks attempted to solidify their identity and add to the sitter’s social standin

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16

Nguyen, Thanh Loan, and Vu Thi Ha Dr. "Competition Profile Matrix of Vietnam Maritime Commercial Joint Stock Bank." Journal of Economics, Finance and Management Studies 06, no. 10 (2023): 4801–5. https://doi.org/10.5281/zenodo.8420927.

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Applying the competitive profile matrix to analyze the competitiveness of commercial banks plays an important role due to the benefits it brings to bank managers in the process of forming strategies competition of banks. This article was conducted to build a competitive profile matrix of Vietnam Maritime Commercial Joint Stock Bank to clearly indicate the strengths and weaknesses of the bank compared to other banks with similar resources and models. Operations as well as business methods. To construct the competitive profile matrix, the three-step theory is applied. Combined with that, the que

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17

Li, Jialu. "The impact of interest rate liberalization on the liquidity risk of commercial banks." BCP Business & Management 46 (June 8, 2023): 247–59. http://dx.doi.org/10.54691/bcpbm.v46i.5103.

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This paper selects quarterly data of 10 commercial banks in China (including 5 large state-owned commercial banks and 5 joint-stock commercial banks) for the 10 years from 2011 to 2020 for the study, and constructs a mixed cross-sectional regression model through multiple covariance test and heteroskedasticity test to empirically analyze the relationship between interest rate marketization and liquidity risk of commercial banks in China, and draws the following conclusions: First,interest rate First, the market-oriented reform will greatly increase the liquidity risk level of commercial banks.

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18

Yan, Yue, and WenHan Zhu. "A Study on the Correlation of Systematic Risk of China's Listed Banks." Journal of Economics, Finance and Accounting Studies 4, no. 1 (2022): 547–58. http://dx.doi.org/10.32996/jefas.2022.4.1.33.

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In this paper, the DCC-GARCH model is used to study the dynamic correlation of systemic risk of 13 listed state-owned and joint-stock banks in China. The results show that: (1) there is a positive risk dynamic correlation among the four major state-owned banks in China, and the risk dynamic correlation between industrial and Commercial Bank of China and China Construction Bank is the closest during the sample period, and they are roughly the same with the other banks, so it is necessary to strengthen risk prevention for these banks; (2) there is a positive dynamic correlation between the syste

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19

Uyen Ngan, Tran Mong. "Relationship between Foreign Exchange Rate and Stock Price of Commercial Joint Stock Banks: Evidence from Vietnam." International Journal of Economics and Finance 8, no. 7 (2016): 193. http://dx.doi.org/10.5539/ijef.v8n7p193.

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The relationship between foreign exchange rate and stock price is one popular topic that is interested by not only board managers of banks but also stock investors. By using data about foreign exchange rate between Vietnam Dong (VND) and United State Dollar (USD), stock prices data of nine commercial joint stock banks in Vietnam from the first day of 2013 to the last day of 2015, this paper try to answer the question “Does foreign exchange rate impact on stock price and vice verse?”. Applying Dickey Fuller test and Var Granger Causality test for the time series data, the results show that ther

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20

Thi, Thu Quynh Do, Nguyet Doan Thi, and Tung Duong Thanh. "The Structure and Performance Relationship in Banking System." American Based Research Journal 10, no. 01 (2021): 145–63. https://doi.org/10.5281/zenodo.4572809.

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<em>Banking system is a crucial factor that controls capital flows in the economy and contributes to promote economic and social development of the nation. In more than sixty years of construction and development of four state-commercial banks, thirty joint-stock commercial banks, joint-venture banks and banks with 100% foreign capital, the banking system in Vietnam is gradually developing a perfect structure.</em>

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Moiseev, S. "Private central banks." Voprosy Ekonomiki, no. 7 (July 20, 2017): 24–41. http://dx.doi.org/10.32609/0042-8736-2017-7-24-41.

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All the first central banks were established in the form of private joint-stock companies. After World War II the majority of them were nationalized. However the small group of central banks continues to remain in private property. Though their financial activities do not differ from other central banks, private property has an essential influence on corporate governance.

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Tran, Van Thao. "FACTORS AFFECTING BAD DEBT RATIO AT JOINT STOCK COMMERCIAL BANKS IN VIETNAM." TRA VINH UNIVERSITY JOURNAL OF SCIENCE; ISSN: 2815-6072; E-ISSN: 2815-6099 11, no. 47 (2022): 21–28. http://dx.doi.org/10.35382/tvujs.1.47.2022.918.

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This study analyzes factors affecting bad debt ratio at joint-stock commercial banks in Vietnam. The research collected data from reports of 26 Vietnamese joint-stock commercial banks operating continuously from 2010 to 2020. The research results show the bank size and ratio, bad debt in the previous year, and provision for credit risks had a positive effect on the bad debt ratio of banks. At the same time, the research results show that the inflation rate, unemployment rate, and exchange rate negatively affect the bad debt ratio of banks. In addition, the research results show that GDP growth

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23

Wei, Ying, Jiaming Zhu, and Qingling Liu. "Quantitative Analysis of the Profitability of China’s Commercial Banks Based on Factor Analysis." Finance and Market 6, no. 1 (2021): 57. http://dx.doi.org/10.18686/fm.v6i1.3265.

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The profitability of a commercial bank is an important factor to measure its comprehensive development level. Taking the 2019 annual data of China’s 16 listed commercial banks as a research sample, the factor analysis method is used to empirically analyze the profitability of each bank, extract four public factors, and calculate the comprehensive score of each bank’s profitability. The research results show that the non-performing loan ratio and risk of joint-stock banks are higher, and the capital adequacy ratio is lower. The comprehensive profitability and anti-risk ability of state-owned ba

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Vo Xuan, Vinh, and Mai Tran Thi Phuong. "Profitability and Risk in Relation to Income Diversification of Vietnamese Commercial Banking System." Journal of Asian Business and Economic Studies 23, no. 02 (2016): 61–76. http://dx.doi.org/10.24311/jabes/2016.23.2.05.

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Employing a panel data set including 37 joint-stock commercial banks covering the period from 2006 to 2013, this paper investigates the impact of income diversification on bank risk and returns. Our results show that increased income diversification results in higher rates of bank returns. However, when risk is considered, the increased income diversification leads to lower risk-adjusted returns. Empirical evidence also shows that the income diversification is not beneficial to joint-stock commercial banks in Vietnam.

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Niraula, Ganesh Prasad. "Effects of Government's Policy in Stock Price: A Case of Nepse." Jambura Science of Management 4, no. 1 (2022): 60–67. http://dx.doi.org/10.37479/jsm.v4i1.11903.

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The purpose of this study is to find out the relationship of government's policy on the price movement of Nepal stock exchange (NEPSE). This study followed a case study research design, because it offers a deeper perspective and clearer understanding of the stock price movement of Nepalese joint venture banks. The sample size of this study consists of five joint venture commercial Banks, economic analysis and survey reports conducted by central bank of Nepal (Nepal Rastra Bank).The judgmental sampling method has been applied for selection of joint venture banks. The study was totally based on

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Doan, Ha Thanh, Anh Hoang Le, and Thu Doan. "Corporate governance and capital safety at Vietnamese joint stock commercial banks." Economics and Finance Letters 12, no. 2 (2025): 231–50. https://doi.org/10.18488/29.v12i2.4185.

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This study evaluates the capital adequacy ratio (CAR) of Vietnamese commercial banks. Simultaneously, we assessed the impact of corporate governance on the capital adequacy ratio of Vietnamese joint stock commercial banks. We used SGMM and Bayesian methods to estimate models employing data from 28 Vietnamese commercial banks between 2012 and 2023. The findings indicated that variables including previous period CAR, deposit ratio, loan loss reserve, economic growth, board size, the share of female board members and educational qualifications significantly enhance the CAR of Vietnamese commercia

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Urokboyeva, Farzuna Akhmadjonovna. "Assessment of the investment attractiveness of private joint-stock commercial banks." Multidisciplinary Journal of Science and Technology 5, no. 4 (2025): 1020–25. https://doi.org/10.5281/zenodo.15298893.

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This article studies scientific views on assessing the investment attractiveness of private commercial banks using the CAMELS method, assesses the investment attractiveness of private commercial banks operating in Uzbekistan, and analyzes the results.

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Rathnayake, Dilesha Nawadali, Yang Bai, Pierre Axel Louembé, and Li Qi. "Interest Rate Liberalization and Commercial Bank Performance: New Evidence From Chinese A-Share Banks." SAGE Open 12, no. 2 (2022): 215824402210966. http://dx.doi.org/10.1177/21582440221096648.

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Abundant literature infers the negative incidence of financial liberalization in the banking sector. As interest rate marketization is a reality in China, we empirically investigate the determinants of commercial banks’ financial performance using 10 listed Chinese commercial banks for 1999 to 2019. Our findings suggest that net interest margin (NIM), non-performing loans (NPL), and asset size (LnAsset) are the key drivers of profitability in Chinese banks. Interestingly, for the sample of city banks observed, we find that bank performance is strongly driven by sound management of the assets a

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HICKSON, CHARLES R., and JOHN D. TURNER. "The Trading of Unlimited Liability Bank Shares in Nineteenth-Century Ireland: The Bagehot Hypothesis." Journal of Economic History 63, no. 4 (2003): 931–58. http://dx.doi.org/10.1017/s0022050703002493.

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In the mid-1820s, banks became the first businesses in Great Britain and Ireland to be allowed to form freely on an unlimited liability joint-stock basis. Walter Bagehot warned that their shares would ultimately be owned by widows, orphans, and other impecunious individuals. Another hypothesis is that the governing bodies of these banks, constrained by special legal restrictions on share trading, acted effectively to prevent such shares being transferred to the less wealthy. We test both conjectures using the archives of an Irish joint-stock bank. The results do not support Bagehot's hypothesi

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Nguyễn, Thị Như Quỳnh, and Ngọc Trâm Nguyễn. "Liquidity and stock price volatility: Evidence from joint stock commercial banks in Vietnam." Tạp chí Khoa học và Đào tạo Ngân hàng, no. 259 (December 2023): 25–36. http://dx.doi.org/10.59276/tckhdt.2023.12.2572.

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Stock price is considered the top priority factor in attracting the attention of investors when investing in the stock market. In developed markets, changes in liquidity can help predict future changes in price volatility. The paper was conducted with the aim of analyzing the impact of banking liquidity on the stock price volatility of commercial banks listed on the Vietnam stock market. With a data sample of 27 commercial banks in the period from 2012 to 2022. By regressing panel data through system- GMM estimation (SGMM), the research results show that banking liquidity (LIQ) and bank size (

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Bidabad, Bijan. "Joint stock company with variable capital (JSCVC)." International Journal of Law and Management 56, no. 4 (2014): 302–10. http://dx.doi.org/10.1108/ijlma-09-2012-0031.

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Purpose – The purpose of this paper is to propose joint stock company with variable capital (JSCVC), as financial sharing funds and banks necessitate that their capital and number of shareholders be instantaneously variable. Legal personality and accounts clearing of this type of corporations are different from conventional companies. Design/methodology/approach – JSCVC is a corporation in which capital and shares of shareholders vary by new entrance or withdrawal of shareholders at any point of time. Findings – Interest rate-based calculations were removed and Rastin Sharing Accounting was ap

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Zhang, Junzhi, and Lei Chen. "Evaluating the Systemic Importance of China’s Banks via Adjacency Information Entropy." Discrete Dynamics in Nature and Society 2022 (April 15, 2022): 1–12. http://dx.doi.org/10.1155/2022/6979176.

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Information entropy can be utilized to assess the complexity of the Banking System and the uncertainty of association information between banks. Based on information entropy and the balance sheet data of 167 banks from 2011 to 2020, we proposed a centrality indicator based on Adjacency Information Entropy, then applied it to directed weighted and directed unweighted interbank networks to identify banks with systemically important status, and compared the results with those of traditional centrality indicators. The outcomes show that the results of centrality indicator based on Adjacency Inform

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Li, Renyu, Li Li, and Peijiang Zou. "Credit risk shocks and banking efficiency: a study based on a bootstrap-DEA model with nonperforming loans as bad output." Journal of Economic Studies 48, no. 1 (2020): 1–19. http://dx.doi.org/10.1108/jes-08-2019-0395.

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PurposeThis paper investigates the impact of credit risk shocks on the evolution of banking efficiency in China.Design/methodology/approachThis paper introduces credit risk as a bad output into a bootstrap data envelopment analysis (bootstrap-DEA) model.FindingsDuring a credit risk shock, the efficiency levels of both state-owned commercial banks and joint-stock commercial banks are significantly higher than those of urban/rural commercial banks, and the efficiency differences between these banks further increase during a period of economic slowdown. This paper also finds that the efficiencies

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Nguyen, Hang Thi Hai, and Minh Vu Thao Nguyen. "Evaluating the operating efficiency of joint-stock commercial banks in Viet Nam through the restructuring period." Journal of Eastern European and Central Asian Research (JEECAR) 9, no. 3 (2022): 399–408. http://dx.doi.org/10.15549/jeecar.v9i3.815.

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This article assesses the performance of joint-stock commercial banks in Vietnam throughout a two-phase restructuring project according to Decision No. 254 / QD-TTg and No. 1058 / QD-TTg of the Prime Minister. The data is mainly collected from consolidated financial statements and annual reports of 31 joint-stock commercial banks from the period of 2011–2020. The study approaches data envelopment analysis measurement – DEA and Tobit censored regression models - to evaluate operational efficiency. The results illustrate that banks utilize their input resources effectively with an average techni

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Ha, Man, Christopher Gan, Cuong Nguyen, and Patricia Anthony. "Self-Organising (Kohonen) Maps for the Vietnam Banking Industry." Journal of Risk and Financial Management 14, no. 10 (2021): 485. http://dx.doi.org/10.3390/jrfm14100485.

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This is the first study to use the self-organisation (Kohonen) map technique, an artificial neural network based on a non-supervised learning algorithm, to categorise Vietnamese banks into super-class groups. Drawing on unbalanced yearly data from 2008 to 2017, this study identifies two super-class groups (one and two). While group one consists of joint stock banks, group two consists of commercial state and joint stock banks. Using the non-structural indicator, the Lerner index, to capture market power, and the data enveloped analysis technique to measure bank performance, our result shows si

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Ha, Man, Christopher Gan, Cuong Nguyen, and Patricia Anthony. "Self-Organising (Kohonen) Maps for the Vietnam Banking Industry." Journal of Risk and Financial Management 14, no. 10 (2021): 485. http://dx.doi.org/10.3390/jrfm14100485.

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This is the first study to use the self-organisation (Kohonen) map technique, an artificial neural network based on a non-supervised learning algorithm, to categorise Vietnamese banks into super-class groups. Drawing on unbalanced yearly data from 2008 to 2017, this study identifies two super-class groups (one and two). While group one consists of joint stock banks, group two consists of commercial state and joint stock banks. Using the non-structural indicator, the Lerner index, to capture market power, and the data enveloped analysis technique to measure bank performance, our result shows si

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Xie, Yuchi, Qizhen Ye, and Raofeng Guo. "Bank behavior due to a buildup in Chinese nonperforming loans." PLOS ONE 18, no. 12 (2023): e0295667. http://dx.doi.org/10.1371/journal.pone.0295667.

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We study 33 Chinese banks from December 2009 to December 2020 to examine the moral hazard behavior of Chinese banks from the perspective of nonperforming loans (NPLs). The results show that banks with low returns are more likely to engage in risk-taking behavior and have a high number of NPLs. The government could adopt regulations that would help joint stock banks to be more prudential and encourage city and rural banks to take more risks.

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Liu, Hao, and Weilun Huang. "Sustainable Financing and Financial Risk Management of Financial Institutions—Case Study on Chinese Banks." Sustainability 14, no. 15 (2022): 9786. http://dx.doi.org/10.3390/su14159786.

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This study examines the relationship between sustainable financing and financial risk management of Chinese financial institutions, using data from Chinese banks. Financial risk management is a comprehensive measure of operating performance, asset quality and capital adequacy ratio. The structural vector auto-regression model determines the relationship between two variables. The positive shock of sustainable financing business negatively impacts the financial risk management of banks. In contrast, positive shock of banks’ financial risk management positively affects sustainable financing. Fur

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Guo, Lei, Sanggyun Na, Xianhua Tan, Pengfei Gui, and Congchong Liu. "Evolution of the Efficiency of Nationwide Commercial Banks in China Based on an SBM-Undesirable Model and DEA Window Analysis." Mathematical Problems in Engineering 2020 (May 15, 2020): 1–12. http://dx.doi.org/10.1155/2020/4682790.

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In recent years, Chinese economic development has slowed down and competition in the financial industry has become increasingly fierce. The purpose of this paper is to study the efficiency characteristics of China’s banking industry in the new environment and provide suggestions for banks to improve efficiency. This paper uses a data envelopment analysis (DEA) SBM-undesirable model and window analysis to measure the technical efficiency of 13 nationwide commercial banks in China during the period from 2008 to 2017. Furthermore, the convergence characteristics of bank technical efficiency are e

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Lesmana, Ihwan Satria, Listiawati Listiawati, and Abdul Bahits. "EFFECT OF EXCHANGE RATES AND INTEREST RATES ON STOCK PRICES ON CONVENTIONAL BANKS." Indonesian Journal of Economy, Business, Entrepreneuship and Finance 2, no. 1 (2022): 37–48. https://doi.org/10.53067/ijebef.v2i1.46.

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One of the benchmarks in investing is the ease of obtaining information about the development of stock prices on the stock exchange. The information obtained is what is needed for investors who will invest, some information can be used as a reference for investing in the capital market including, interest rate inflation, exchange rates, price fluctuations, trading volume, important information on issuers and others.This study aims to determine how the effect of exchange rates and interest rates together on stock prices in conventional banks listed on the IDX for the 2016-2020 period.This resea

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Trinh, Trung Quoc, and Thuy Thu Pham. "Operational Risk Management under Basel II - The Case of An Binh Joint Stock Bank." Science and Technology Development Journal 19, no. 4 (2016): 108–26. http://dx.doi.org/10.32508/stdj.v19i4.775.

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In order to enhance commercial banks’ safety in financial services, Basel Committee on Banking Supervision issued a framework on operational risk management under Basel II. In an ever riskier business environment, it is necessary for Vietnam’s commercial banks to increase their competencies in risk management, especially in operational risk management. This is to ensure a sustainable development for banks in the local market and in the global market as well. In recent years, Vietnam’s commercial banks have developed systems for operational risk management. Therefore, the performance assessment

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Lambo, Irwan Adam, Septyana Prasetianingrum, and Yana Ameliana. "Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas pada Bank Umum yang Terdaftar di Bursa Efek Indonesia." Prosiding Seminar Nasional Forum Manajemen Indonesia - e-ISSN 3026-4499 1 (November 22, 2023): 897–904. http://dx.doi.org/10.47747/snfmi.v1i.1564.

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This research aims to determine the influence of Non-Performing Loans, Capital Adequacy Ratio, Loan to Deposit Ratio, and Operational Costs on Operational Income on the Profitability of Commercial Banks listed on the Indonesia Stock Exchange. The data used is quantitative and qualitative data. The research population is several commercial banking companies listed on the Indonesia Stock Exchange in 2018 - 2022, both with status as Government Banks, National Private Banks and Joint Stock Banks operating in Indonesia. The samples taken were 7 commercial banks listed in BEI. The analytical method

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Nam, Vu Quynh, Dinh Tran Ngoc Huy, and Nguyen Tien Dung. "Suggested Risk Policies from Comparison of 2 Groups of Vietnam Banks - Previous SOE Banks and Private Banks During Post-Low Inflation Period 2015-2020." Revista Gestão Inovação e Tecnologias 11, no. 2 (2021): 531–46. http://dx.doi.org/10.47059/revistageintec.v11i2.1685.

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As fast growth of Vietnam banks going with risk policies, We categorize listed banks on Vietnam stock exchange into 2 groups: Previous SOEs banks (including Vietcombank and Vietinbank) and Previous Private banks (including SHB, EIB and ACB). Authors then use combination of quantitative methods (statistics, calculation formulas) and qualitative methods including synthesis, inductive and explanatory methods. The research findings tell us that In groups of banks (SOEs previously) VCB and CTG we find out: G and Risk free rate (Rf) have higher impacts on beta CAPM, for internal factors. While In gr

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Gráda, Cormac Ó. "The last major Irish bank failure before 2008." Financial History Review 19, no. 2 (2012): 199–217. http://dx.doi.org/10.1017/s096856501100028x.

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Until 2008, Ireland's banks had a solid reputation. Its two long-established banks could trace their origins back to the beginnings of joint-stock banking in 1825. Few banks of consequence had failed in the interim. The last such failure, the focus of this article, was that of the Munster Bank in 1885. That event tells us much about the history of Irish banking before recent events.

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Fu, Ziyue, and Qinyao Zhang. "Impact of Lower Interest Rates on Bank Share Prices: The Case of Joint-stock Banks and State-controlled Banks." SHS Web of Conferences 218 (2025): 04007. https://doi.org/10.1051/shsconf/202521804007.

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The banking sector plays the role of an important intermediary connecting the supply and demand sides of the capital, and its stable profitability makes it an important component of dividend stocks. Changes in interest rates are a crucial factor affecting the share price of bank stocks. Against the backdrop of the current global interest rate cuts, this study aims to research the influence of interest rate changes on bank stock prices. This study collects information on share price changes and interest rate changes of eight domestic banks in China over five years from 2020 to 2024 and analyses

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Zhao, Chen. "The Impact of Financial Technology on the Operational Efficiency of Traditional Commercial Banks." BCP Business & Management 15 (December 30, 2021): 306–16. http://dx.doi.org/10.54691/bcpbm.v15i.289.

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This paper uses the annual report data of 16 traditional commercial banks from 2015 to 2019, uses DEA-Malmquist index method, selects fixed assets, number of employees and operating expenses as input variables, and selects net profit and deposit loan ratio as output variables to do an empirical research on the impact of financial technology on the operating efficiency of traditional commercial banks. The results show that: commercial banks generally adapt to the changes in the financial market brought by the rapid development of financial technology, and use financial technology to improve the

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Zhao, Lingqi. "A Study on the Impact of Non-Interest Income on Commercial Banks Performance." Advances in Economics, Management and Political Sciences 53, no. 1 (2023): 85–92. http://dx.doi.org/10.54254/2754-1169/53/20230800.

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With an upsurge of interest rate marketisation and internet finance, the role of commercial bank revenue in China's non-interest sector is turning more significant in terms of the bank's operating performance. From 2017 through 2021, the study explores the relationship between non-interest revenue and operating performance in business banks. Simultaneously, the article explores the various degrees of influence of three forms of non-interest revenue on operating performance and compares non-interest income variances on operating performance amongst banks with different equity natures. The empir

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Banafsyah Imanda Safa, Diana Oktavia Kholimah Wati, Vidinia Nuansa Citra, Felisya Natalia Purwanto, and Maria Yovita R. Pandin. "Hubungan Antara Risiko Sistematis, Tingkat Suku Bunga, dan Return Saham dalam Portofolio Investasi." JOURNAL OF ADMINISTRATIVE AND SOCIAL SCIENCE 6, no. 2 (2025): 322–33. https://doi.org/10.55606/jass.v6i2.2091.

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This study aims to examine the impact of systematic risk and interest rates on the stock returns of state-owned banks (Bank BUMN) listed on the Indonesia Stock Exchange during the period 2021–2023. Using a multiple linear regression approach, the study finds that neither systematic risk nor interest rates have a significant partial or joint effect on the stock returns of Bank BUMN. These findings indicate that in the context of the Indonesian stock market—particularly the state-owned banking sector—these factors may not necessarily be the primary determinants in shaping stock returns. The impl

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Pham Hoang, An, and Loan Vo Thi Kim. "Factors affecting net interest margin of joint-stock commercial banks in Vietnam." Journal of Asian Business and Economic Studies 24, no. 01 (2017): 92–103. http://dx.doi.org/10.24311/jsabes/2017.24.1.01.

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This study analyzes factors affecting net interest margin of joint-stock commercial banks in Vietnam. The paper uses the secondary data of 26 banks with 182 observations for the period of 2008–2014 and applies the panel data regression method. The empirical results indicate that lending scale, credit risk, capitalization, and in-terest rate have positive impacts on net interest margin. In contrast, managerial efficiency has a negative effect on net interest margin. However, bank size and loan to deposit ratio are statistically insig-nificant to net interest margin.

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Game, Chantal S., Lisa M. Cullen, and Alistair M. Brown. "The rise of financial accountability in British joint stock banks: 1825 to 1845." Financial History Review 27, no. 2 (2020): 234–55. http://dx.doi.org/10.1017/s0968565020000086.

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This study explores parliamentary reforms related to the financial accountability of banks following the 1825–6 and 1836–7 financial crises in England. An appraisal of nineteenth-century parliamentary Hansard transcripts reveals early banking legislative pursuits. The study observes the laissez-faire and interventionist approaches towards the banking enactments of 1826, 1833 and 1844 that underpin the transformation of financial accountability during this era. The Bank Notes Act 1826 imposed financial accountability on the Bank of England by requiring the mandatory disclosure of notes issued.

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