- 권한신청
- P-ISSN1738-3110
- E-ISSN2093-7717
- SCOPUS
Income Distribution and Factors Affecting the Bank's Stability
Income Distribution and Factors Affecting the Bank's Stability
DO, Du Kim (Thai Nguyen University of Economics and Business Administration)
NGUYEN, Anh Thi Lan (Faculty of Economics, Tay Bac University)
- 다운로드 수
- 조회수
Abstract
Purpose: Research on banking sustainability plays an important role in helping banks understand the level of risk in different types of companies. Therefore, this study was conducted to determine the factors affecting the sustainability of Joint Stock Commercia l Banks in Vietnam. Research design, data and methodology: The following theories, the factors affecting the bank's sustainability include: Business model diversification (income diversification), bank size, loan ratio, and net interest margin. Data was collected from Joint Stock Commercial banks in Vietnam from 2015 to 2019. With GLS model on panel data with banks listed on Vietnam stock exchange. Results: The analysis results show that net interest income has a positive impact on the sustainable business results of banks through the rate of return on total assets (ROA). The non-interest income hasn't impact on bank stability. From this result, there aren't positive signs of income diversification in banks. At the same time, with the obtained results, the study also provides a policy implication for banks. Conclusions: The study also provides some policy implications to improve the bank stability. Diversifying income in banks is necessary, but how to make it influential banks has not yet been done. Therefore, the adjustments in non-interest business activities need to be carefully considered by banks.
- keywords
- Bank Stability, Income Distribution, Business Model Diversification, Income Diversification
참고문헌
Abuzayed, B., Al-Fayoumi, N., & Molyneux, P. (2018). Diversification and bank stability in the GCC. Journal of International Financial Markets, Institutions, and Money, 57, 17-43.
Adusei, M. (2015). The impact of bank size and funding risk on bank stability. Cogent Economics & Finance, 3(1), 1111489.
Albaity, M., Mallek, R. S., & Noman, A. H. M. (2019). Competition and bank stability in the MENA region: The moderating effect of Islamic versus conventional banks. Emerging Markets Review, 38(1), 310-325.
Ghenimi, A., Chaibi, H., & Omri, M. A. B. (2017). The effects of liquidity risk and credit risk on bank stability: Evidence from the MENA region. Borsa Istanbul Review, 17(4), 238-248.
Goetz, M. R. (2018). Competition and bank stability. Journal of Financial Intermediation, 35(1), 57-69.
He, Y., & Feng, W. (2019). A study on the determinants of income distribution: Evidence from macroeconomics. Journal of Distribution Science, 17(1), 21-31.
Heffernan, S. (2005). Modern banking. John Wiley & Sons.
Hersugondo, H., Anjani, N., & Pamungkas, I. D. (2021). The Role of Non-Performing Asset, Capital, Adequacy and Insolvency Risk on Bank Performance: A Case Study in Indonesia. The Journal of Asian Finance, Economics and Business, 8(3), 319-329.
Hsieh, M. F., Chen, P. F., Lee, C. C., & Yang, S. J. (2013). How does diversification impact bank stability? The role of globalization, regulations, and governance environments. Asia‐Pacific Journal of Financial Studies, 42(5), 813-844.
Imran, K., & Nishat, M. (2013). Determinants of bank credit in Pakistan: A supply side approach. Economic Modelling, 35(1), 384-390.
Köhler, M. (2015). Which banks are more risky? The impact of business models on bank stability. Journal of Financial Stability, 16(1), 195-212.
Mergaerts, F., & Vander Vennet, R. (2016). Business models and bank performance: A long-term perspective. Journal of Financial Stability, 22(1), 57-75.
Nguyen, D. N., Nguyen, D. D., & Nguyen, D. V. (2020). Distribution information safety and factors affecting the intention to use digital banking in Vietnam. Journal of Distribution Science, 18(6), 83-91.
Nguyen, T. T., Ho, H. H., Nguyen, D. V., Pham, A. C., & Nguyen, T. T. (2021). The Effects of Business Model on Bank's Stability. International Journal of Financial Studies, 9(3), 46.
Yip, A. W., & Bocken, N. M. (2018). Sustainable business model archetypes for the banking industry. Journal of cleaner production, 174(1), 150-169.
Růžičková, K., & Teplý, P. (2018). Determinants of bank fee income in the EU banking industry-does market concentration matter?. Prague economic papers, 27(1), 3-20.
Trivedi, S. R. (2015). Banking innovations and new income streams: impact on banks' performance. Vikalpa, 40(1), 28-41.
Usman, H. (2016). Islamic religiosity scale, and its applied on the relationship between religiosity and selection of Islamic bank. Journal of Distribution Science, 14(2), 23-32.
- 다운로드 수
- 조회수
- 0KCI 피인용수
- 0WOS 피인용수