Joint-stock Commercial Banks Research Articles

Asset Management at Military Commercial Joint Stock Bank

Asset Management at Military Commercial Joint Stock Bank

Research the Impact of Online Marketing on Customers Perceived Value of Vietnamese Joint Stock Commercial Banks

Research the impact of online marketing on customer perceived value at Joint Stock Commercial Banks (JSCBs) is a significant and highly applicable topic in marketing and management business. The analysis and conclusions from this study can provide valuable information about how online marketing influences customer perceptions and the value they place on their banking experience. This will help businesses better understand how to interact with customers, optimize their marketing strategies, and improve customer relationships to increase business efficiency. The authors have proposed a theoretical model and scale based on a comprehensive study of published documents. Through qualitative research and in-depth interviews with experts, an official research model and scale have been formed, including six variables (five independent variables and one dependent variable) with 33 observed variables. Conducting quantitative research with a sample size of N = 355, the model has been determined to suggest five independent variables with 28 observed variables and one dependent variable with 5 observed variables (through Cronbach's Alpha and EFA coefficients), and the model adjusted model with five independent variables with 27 observations and one dependent variable with 05 observed variables. The study has determined the impact of online marketing on customer perceived value at Vietnamese joint stock commercial banks, arranged in descending order of influence: ((1) Online Communication; (2) Online Customer Service; (3) Online Offer; (4) Online retail Pricing, and (5) Online Distribution.

Determinant Influencing Non-Performing Loans: A Story of Vietnamese Commercial Banks

This study aims to analyze the factors influencing non-performing loans (NPLs) in commercial banks during the period 2016-2022. The study utilized a sample of 16 joint-stock commercial banks in Vietnam. The authors employed three regression models: Pooled OLS, Fixed Effects Model (FEM), and Random Effects Model (REM), ultimately selecting REM as the most appropriate model. The results show that out of 5 variables, GDP and bank size have a negative impact on bad debt ratio. However, credit growth rate, credit loss provision and loan to total assets ratio have the same direction on NLPs.

Creating a Factoring Service Specifically Designed for Small and Medium Enterprises at Pro Credit Bank in Kosovo

Over the course of ten years, Kosovo has implemented policy reforms and worked on establishing a diverse market economy. As a result, small and medium enterprises (SMEs) in Kosovo have experienced significant growth and have played a crucial role in generating employment opportunities, boosting the country's GDP, and increasing the volume of exports. Nevertheless, small and medium-sized enterprises (SMEs) have encountered obstacles in their path to growth as a result of their limited management expertise and financial means, as well as the unpredictability of the business landscape. Consequently, small and medium-sized enterprises (SMEs) frequently encounter challenges during their business activities. The creation of new financial services is of utmost importance, particularly for joint-stock commercial banks in Kosovo, as they face less competition compared to state-owned commercial banks. This need arises from Kosovo's integration and economic development requirements, particularly in the banking sector. Furthermore, factoring is a financial instrument that fulfills the criteria of both commercial banks and small and medium-sized enterprises (SMEs). This study aims to propose the implementation of factoring services as a highly efficient and valuable short-term financial instrument for small and medium enterprises (SMEs) in Kosovo. Additionally, it highlights the significance of factoring services for commercial banks in the region. The primary goal of the first chapter is to provide an introduction to factoring services, as well as a clarification of the conditions necessary for their development. The second chapter provides an overview of the current global factoring industry and the specific market conditions in Kosovo, in order to gain insight into the general conditions for the development of factoring services for Kosovo-based factors. The Kosovo factoring market is currently in its early stages of development. There are significant opportunities for the growth of this service in Kosovo, particularly for pioneers introducing it to the market. Unfortunately, PRO CREDIT BANK was unable to capitalize on being the first to enter the market. Despite the benefits of PRO CREDIT BANK in accessing reliable and high-growth external sources of the Kosovo economy, The small and medium-sized enterprises (SMEs) in Kosovo have had a significant growth rate of 3.8%. PRO Loans Bank has a strong track record of providing financial services to SMEs, which are its main customers. The bank has also established successful partnerships with international and global organizations to get additional capital for loans.

Factors Influencing the Effectiveness of Internal Control in Joint Stock Commercial Banks in Thai Nguyen Province

Purpose: This research explores the factors influencing the effectiveness of internal control in joint stock commercial banks in Thai Nguyen province. Design/Methodology/Approach: Adopting a cross-sectional quantitative design, the study employed a bilingual questionnaire. It facilitated data collection via an offline in-person and online platform from a diverse set of professional respondents in Vietnam. The analysis utilized regression in SPSS, applied to a robust dataset of 230 valid observations, ensuring a representative understanding of the research phenomena within the unique sociocultural context. Findings: This research revealed a significant positive relationship between Control Activities (CA), Control Environment (CE), Information and Communication (I&C), Monitoring (MO), Risk Assessment (RA), Group benefit (GB), Goverment support (GOS) and the effectiveness of Internal Control (EIC). Research Limitations/Implications: Despite the rich insights, the study has limitations that future research can address. For instance, the study employed a cross-sectional design, limiting its ability to capture changes over time. Moreover, the research context was limited to Thainguyen a province in VIetnam, suggesting additional studies were needed in other cultural and economic contexts. Practical Implications: The study provides actionable insights for bank to enhance the effectiveness of Internal Control. Originality/Value: This study significantly contributes to the literature by exploring the intricate relationships among CA, CE, I&C, MO, RA, GB, GOS and EIC in an emerging economy context, providing a nuanced understanding of these dynamics.

Determinants of Liquidity Risk in Vietnamese Commercial Banks

Liquidity risk, which tends to compound other risks such as credit and market risks, has become one of the principal risks in banks. Thus, this study examined the determinants of liquidity risk measured by the loan deposit ratio (LDR). The sample included 30 commercial banks in Vietnam based on secondary data coverage from 2017-2021. Descriptive statistics were used to determine the general situation of the banks' assets, liabilities, and business performance. The random effects model (REM) was chosen to determine factors affecting liquidity risk. The results show the huge gap in the business performance of the four state-owned banks and the rest of the joint-stock commercial banks, and the state-owned banks always accounted for over 50% of the total credit, assets, and deposits of the whole banking system. The average banks’ credit and profit growth rates were around 17% and 30%, respectively, and the bad debt ratio was about 2%. Increasing a bank’s credit growth rate and profitability would push up its liquidity risk. On the other hand, holding several liquid securities that banks could sell immediately to meet solvency requirements and maintaining a high capital adequacy ratio (CAR) would reduce their liquidity risk. These findings are valuable to the banks in understanding how to minimize liquidity risk, such as controlling the credit growth rate and CAR, setting appropriate profit targets, and investing in liquid securities. Additionally, by conducting monetary policies, the State Bank should regulate market liquidity and bank liquidity for the safe operation of the financial system.

An analysis of the non-financial motivation system of JSB “Almazergienbank” in order to increase the efficiency of personnel work

This article considers the system of non-financial motivation of personnel of Joint-Stock Commercial Bank “Almazergienbank”, a large regional bank by asset size, registered in the territory of the Republic of Sakha (Yakutia). The key business lines are servicing corporate clients, municipal organizations and projects, attracting deposits and lending to individuals and legal entities. The relevance of this topic is due to the fact that in the conditions of fierce competition between organizations it is necessary to find ways to increase the productivity of employees. Improving the incentive system can be one of such ways. The purpose of the study is to determine the involvement of employees in the system of non-material motivation and to develop recommendations for improving the incentive system in the context of increasing the efficiency of work in the context of competition in the banking market. Intangible incentive, being a significant tool, allows to save resources and at the same time increase productivity and satisfaction of employees. The methodological basis of the research was a survey of bank employees, an analysis of the obtained data and the existing system of nonfinancial incentives. It was revealed that the most popular option for assessing the intangible incentive system among the respondents is the indicator “8”, which indicates incomplete satisfaction with the existing system. As a result of the study, recommendations were developed to improve the personnel incentive system in order to increase the efficiency of work in the competitive conditions of the banking market.

The Impact of Technological Innovation on The Performance of Joint Stock Commercial Banks

This paper focus review the liturature of topic the impact of technological innovation on the performance of joint stock commercial banks. With bibliometrics method, this research study 273 articles, and were categorized into three main types: qualitative research, quantitative research, and mixed methods. Notably, qualitative research significantly outnumbered quantitative research and mixed methods. The research trends in this area focus on technological innovation in the financial and banking industry, the influence of technological innovation on the banking sector, and the adaptability and technology transformation of banks in the digital age.

Does Fintech Investment in Commercial Banks Improve Business Performance? -- Based on the Empirical Test of 42 Listed Commercial Banks in China from 2010 to 2022

Does Fintech Investment in Commercial Banks Improve Business Performance? -- Based on the Empirical Test of 42 Listed Commercial Banks in China from 2010 to 2022

Research on the Coordination of Bank Capital Adequacy Ratio and Monetary Policy

Capital adequacy ratio and monetary policy are important control measures of financial supervisory authority and monetary authority, respectively. The effective coordination of the two has greatly affected the effectiveness of monetary policy. The article selects the annual data of 16 listed commercial banks in China from 2003 to 2018, and studies the impact of capital adequacy ratio on monetary policy transmission by constructor. listed commercial banks in China from 2003 to 2018, and studies the impact of capital adequacy ratio on monetary policy transmission by constructing a panel regression model. The results show that large state-owned commercial banks play a major role in bank credit channels for monetary policy, and banks with higher capital adequacy ratios are more likely to have a higher capital adequacy ratio. The results show that large state-owned commercial banks play a major role in bank credit channels for monetary policy, and banks with higher capital adequacy ratios are more vulnerable to monetary policy shocks. In addition, the external capital constraint of minimum capital adequacy will cause a multiplier effect when monetary policy is transmitted through credit channels. The multiplier effect produced by joint-stock commercial banks is much smaller than that of large state-owned banks. The multiplier effect produced by joint-stock commercial banks is much smaller than that of large state-owned banks. Therefore, financial supervisory departments must fully consider the interference caused by the capital adequacy ratio on monetary policy, strengthen policy coordination, and unblock the transmission mechanism of Therefore, financial supervision departments must fully consider the interference caused by the capital adequacy ratio on monetary policy, strengthen policy coordination, and unblock the transmission mechanism of monetary policy.

Nghiên cứu thực nghiệm các yếu tố tác động đến rủi ro phá sản của ngân hàng thương mại cổ phần tại Việt Nam

The research aims to identify the factors affecting the bankruptcy risk of the joint-stock commercial banks (JSCB) in Vietnam in the period 2010-2021. The research uses regression methods for panel data with a sample of 30 commercial banks, using secondary data collected from audited financial statements of banks. Through the system GMM (SGMM) method for panel data, the results show the operating expenses (OE), inflation (INF) have the impact on the bankruptcy risk. In addition, the combining research results after the robustness check of R language and SGMM also show that the size of commercial banks (SIZE) and return on assets (ROA) have an opposite impact on the risk of bankruptcy. These suggest important policy implications for commercial banks in Vietnam in controlling bankruptcy risks, ensuring to curb the uncertainty of the commercial banks in Vietnam.

Financial Openness, Bank Systematic Risk, and Macroprudential Supervision

International experiences have underscored the dual implications of financial openness. Given China’s unique circumstances and its escalating level of financial openness, it is crucial to assess potential impacts on the country’s bank systemic risk. This paper uses the quarterly data of 37 listed banks in China from 2010 to 2022 to explore the relationship between financial openness and systemic risk of the banking system, the mechanism of action, and the moderating effect of macroprudential policy on the two. The findings indicate an inverted “U”-shaped correlation between financial openness and bank systemic risk. On one side of this shape, financial openness primarily exacerbates funding mismatch, thereby increasing the systemic risk of banks. Conversely, on the other side, it primarily alleviates systemic risk by optimizing capital management. Moreover, with the help of macroprudential supervision, the inverted “U”-shaped relationship between financial openness and bank systemic risk leads to a lower level of systemic risk and, at the same time, promotes the early arrival of the inverted “U”-shaped inflection point between financial openness and bank systemic risk. Notably, the impact of financial openness on the systemic risk of joint-stock commercial banks, urban commercial banks, and rural commercial banks is more significant. The above research results provide a regulatory reference for effectively preventing and resolving systemic risk while achieving high-quality openness to the outside world. In deepening financial openness, the banking industry needs to pay attention to the funding mismatch and the efficiency of capital management and implement differential risk supervision and prevention mechanisms for banks with different ownership, which is conducive to the reduction of bank systematic risk.

Improving employee job satisfaction: The case of commercial banks strategy

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 (Agribank) according to the random sampling method. The authors inherited the research of Smith et al. (1969), Luddy (2005) and Kim Dung (2005) at the same time, applying multivariate regression models for this study. Research results have found five factors that affect job satisfaction: working conditions, salary and benefits, leadership concerns, relationships with colleagues and training and advancement opportunities. From the research results, the authors have proposed solutions to further improve the job satisfaction of employees at commercial banks in the Mekong Delta, thereby contributing to improving the business efficiency of the Mekong Delta commercial bank system in the coming time.

Ngân hàng với tăng trưởng xanh: Kinh nghiệm quốc tế- định hướng cho BIDV và gợi ý cho ngân hàng thương mại Việt Nam

In the context of climate change and environmental pollution becoming increasingly serious due to human economic activities, green growth has recently become a topic that has received a lot of attention from both policymakers and scientists. In recent years, the Government has proactively introduced many policies and legal documents aimed at applying climate change according to commitments in the 2021 United Nations Framework Convention on Climate Change (COP26) on reducing net emissions to zero by 2050, reducing greenhouse gas emissions by 30% by 2030. In particular, the banking sector is considered to have an extremely important role in promoting green growth, towards a sustainable and environmentally friendly economy. This paper presents the theoretical basis of green growth and the role of the banking system in green growth as well as highlights international experiences from Germany and China on green growth in the banking sector. On that basis, this paper proposes some orientations for the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) in particular and commercial banks in Vietnam in general to contribute to promoting green growth and sustainable finance in Vietnam

Sources of Financial Support for Small and Medium-sized Enterprises: the Case of the Sakha Republic (Yakutia)

The article reviews small and medium-sized businesses in the Sakha Republic (Yakutia), and their role and significance in the economy of the republic. The purpose of the study was to determine the available financial opportunities for the development and support of small and medium-sized businesses in the Sakha Republic (Yakutia). The system of available sources of financial support in the region was considered, including government programs to support small and medium-sized businesses, subsidies, grants aimed at supporting their activities, preferential bank loan programs and microloans for small and medium-sized businesses. An analysis of available financial sources showed their limitations and inaccessibility for most small and medium-sized enterprises that do not have sufficient collateral, bank guarantees and sureties. Most of the representatives of small and medium-sized enterprises in the republic do not have timely accessible information about the proposed sources of financial support from government authorities. At the same time, not all enterprises cope with filling out the required documentation to receive financial support. The work provides a comparative analysis of preferential interest rates and loan terms for small and medium-sized businesses that have official programs in the Sakha Republic (Yakutia). For this purpose, the official partner banks of the Microcredit Company of the Entrepreneurship Development Fund of the Sakha Republic (Yakutia) were selected: VTB Bank PJSC (Public Joint Stock Company), AKB (Joint Stock Commercial Bank) “Almazergienbank” Joint Stock Company (JSC) and Joint Stock Company (JSC) “Asian-Pacific Bank”. As a result of the analysis, the work identified the most effective sources of financial support for small and medium-sized enterprises in the Sakha Republic (Yakutia). The work provides examples of successful projects that have received financial support in the republic. Based on the study, recommendations were proposed for improving the system of financial support for small and medium-sized businesses in the Sakha Republic (Yakutia).

Tác động của chuyển đổi số tới khả năng chống chịu của các ngân hàng thương mại Việt Nam

The purpose of this study is to examine the impact of digital transformation measured by digital intensity and transformation management intensity on dimensions of organizational resilience, including situational awareness, management of keystone vulnerabilities, and adaptive capacities in Vietnamese commercial banks. This study surveyed 412 employees from 17 Vietnamese joint stock commercial banks from January 2022 to May 2022 and employed structural equation modeling (SEM). The results showed that digital intensity and transformation management intensity positively impacted all dimensions of organizational resilience. These findings provide several practical implications for Vietnamese commercial banks.

Research on Strategic Transformation and Management Innovation of China Merchants Bank

This paper will study China Merchants Bank, the first joint-stock commercial bank wholly owned by corporate legal persons in China, and its 36 years of operation and development in Shekou, Shenzhen, a pioneering city in China, in the environment of Chinas reform and opening up, in the era of Chinas rapid economic take-off. To study its growth process from a small bank with a capital of only 100-million-yuan, one branch, and more than 30 employees to an international banking group with more than 1,800 branches and 100,000 employees, which British magazine Banker announced as the 11th bank in the world in 2022 and won the title of Best Employer for 14 consecutive years. Explore the key factors in the success process of a bank or even an enterprise and deduce the most valuable leadership genes for the enterprise and the team in order to help more people find the direction to develop their leadership and the password to run an enterprise or manage a team effectively.

Research on Factors Affecting Credit Risk of Joint Stock Commercial Banks on Vietnam Stock Market

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 uses E-view software in quantitative analysis to build a regression model to determine the relationship and level of influence of Internal factors to credit risk of listed joint stock commercial banks.
 
 Findings: Research results indicate that factors affecting credit risk of listed joint stock commercial banks include: Ratio of equity to total assets, capital structure of the bank, and operational performance of the banks.
 
 Research, Practical & Social impications: These results confirm the importance of taking into account micro finance factors when making financing. Understanding the impact of these factors and relationships contributes to decision and risk management.
 
 Originality/value: In order to limit credit risk it is necessary to focus on: Ensuring reasonable equity; Stricter control over loan capital; Optimal use of resources.

A study on the operational performance of Chinese commercial banks considering time lag effects: A dynamic three-stage time-lag cross-efficiency model

In the multi-period and multi-stage operational process of banks, fixed assets, deposits, and non-performing loans (NPLs) are elements with time lag effects. Not or only considering one time-lag element could result in biased efficiency evaluation results. Therefore, this study proposes a dynamic three-stage time-lag range directional measure (RDM) cross-efficiency model that considers three types of time-lag elements simultaneously to assess the operational performance of banks more accurately and comprehensively. Moreover, the proposed model takes into account the following factors: non-oriented, cross-efficiency, negative data, and undesirable elements. This study conducts in-depth research on the operational performance of Chinese commercial banks and obtains the following observations. (1) The change degrees of different types of banks influenced by the different time-lag elements were inconsistent. (2) Three time-lag elements significantly influenced the operational performance of four types of banks, which was most significant for state-owned commercial banks. (3) All banks were assessed as inefficient during 2017–2021, and the highest average efficiency was found in the capital allocation stage, while the profitability stage ranked at the bottom. (4) Rural and joint-stock commercial banks had the best performance in all sub-stages, while state-owned commercial banks had the worst performance.

Competition Profile Matrix of Vietnam Maritime Commercial Joint Stock Bank

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 questionnaire survey method was used twice. The first time is to identify the 10 most important factors affecting the competitiveness of commercial banks in general. The second time is to determine the weight and level of influence of the factors. The research results of the article show the competitive profile matrix of Vietnam Maritime Commercial Joint Stock Bank in comparison with four other banks VIB, TPbank, OCD and BacAbank.