Start
October 23, 2020 - 2:00 pm
End
October 23, 2020 - 3:00 pm
Address
H.301, 1A Hoang Dieu, Phu Nhuan View mapRetail loans and factors effecting profitability of Vietnamese listed banks
Student: Đinh Việt Linh, VNP 24
Supervisor: Dr. Phạm Phú Quốc
Abstract:
This study investigates the impact of retail lending section development in business structure and other determinants of profitability and on listed bank profitability between 2008 and 2018.
The findings provide several implications for policy-makers and bank managers. This suggests state-owned commercial banks should be approached by more customers with caution and attracted strategy. First, the interest rate policy should be rational while continuously implementing it as a key competitive strategy. Second, banks should manage credit risks, liquidity risk, and other risks effectively with regards to costs associated. In addition to the continuing effort to fully implementing BASEL II system, banks should develop and manage an effective risk management strategy in a cost-effective way. Third, commercial banks should pay more attention for R&D activities that incorporate more technology advancement into their lending and risk assessing process for retail customers. Finally, commercial banks should diversify their market segments and services.