This page has only limited features, please log in for full access.

Unclaimed
Ngoc Nguyen

Basic Info

Basic Info is private.

Honors and Awards

The user has no records in this section


Career Timeline

The user has no records in this section.


Short Biography

The user biography is not available.
Following
Followers
Co Authors
The list of users this user is following is empty.
Following: 0 users

Feed

Journal article
Published: 28 August 2019 in Journal of Risk and Financial Management
Reads 0
Downloads 0

In the future, when the process of economic integration in the banking sector is more powerful, and competitive, diversifying revenue is an inevitable and objective trend to help the banks increase profits, minimize risks and improve their competitive position in the system. The research is on the relationship between revenue diversification, risk and bank performance using data from audited financial statements and annual reports of 26 commercial banks listed and unlisted in Vietnam during the period 2010–2018. The research method uses Generalized Method of Moment (GMM) modeling techniques to solve endogenous problems, variance and autocorrelation in the research model. Research results show that diversification negatively impacts profitability and the higher the diversification, the higher the risk of commercial banks. However, the more diversified listed banks, the more increased the bank’s stability. The banks show the weakness and lack of experience of the banking system in developing a reasonable profit transformation model. The revenue diversification of banks is currently passive and moves slowly. Interest income is still the motivation of bank development, boosting profit growth. Growth, as well as the contribution from service activities, is not commensurate with potentials; although there are many positive points, they are not enough to cover risks from net interest income activities.

ACS Style

Khanh Ngoc Nguyen; Ngoc Nguyen. Revenue Diversification, Risk and Bank Performance of Vietnamese Commercial Banks. Journal of Risk and Financial Management 2019, 12, 138 .

AMA Style

Khanh Ngoc Nguyen, Ngoc Nguyen. Revenue Diversification, Risk and Bank Performance of Vietnamese Commercial Banks. Journal of Risk and Financial Management. 2019; 12 (3):138.

Chicago/Turabian Style

Khanh Ngoc Nguyen; Ngoc Nguyen. 2019. "Revenue Diversification, Risk and Bank Performance of Vietnamese Commercial Banks." Journal of Risk and Financial Management 12, no. 3: 138.