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Các chiến lược ứng phó của ngân hàng thương mại Việt Nam để duy trì khả năng sinh lời trong thời kỳ covid-19
Các chiến lược ứng phó của ngân hàng thương mại Việt Nam để duy trì khả năng sinh lời trong thời kỳ covid-19
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Date
2023
Authors
Phạm Thị Hồng Vân, Phạm Tuấn Anh, Đỗ Duy Kiên
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Research Projects
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Abstract
his research aims to evaluate the response strategy of commercial banks during the COVID-19 period. Data were collected quarterly from 2018Q1 to 2021Q3 of 28 Vietnamese commercial banks listed on the stock market. The methods of estimating fixed effects and random effects are applied to the model with interacting variables. The research results found evidence of the strategy of scale, the strategy of capital structure, and the rate of provisioning for credit risks affecting the profitability of commercial banks during the COVID-19 period. An interesting finding in this study is that the high provisioning strategy for credit during the COVID-19 period reduced commercial banks' profits but was offset by the interaction effect of high provisioning with a net income ratio. In addition, the research also found that economic growth during the COVID-19 period was a stimulus to increase profitability for commercial banks
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Keywords
response policy,
commercial bank,
impact of COVID-19