CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE CASE OF COVID-19 PANDEMIC
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Published:
Mar 28, 2022
Keywords:
commercial bank, credit growth, the Covid-19 pandemic
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Abstract
This study evaluates credit growth and analyzes factors affecting credit growth of Vietnamese commercial banks in the context of the Covid-19 pandemic. The study uses financial statement data from 25 Vietnamese commercial banks during the period from the 1st quarter of 2018 to the 3rd quarter of 2021. The credit growth of the banks fluctuated and tended to decrease during the Covid-19 pandemic, especially from the beginning of 2021 to present when Vietnam faced significant outbreaks. The results from applying random effects model show that the Covid-19 pandemic had a negative impact on credit growth. In addition, financial capability
also negatively affected credit growth. In contrast, an increase of capital mobilization ability, profit rate, and profit margin led to the growth of credit.
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1.
Pham Q. CREDIT GROWTH OF VIETNAMESE COMMERCIAL BANKS IN THE CASE OF COVID-19 PANDEMIC. journal [Internet]. 28Mar.2022 [cited 25Apr.2024];12(46):12-9. Available from: https://journal.tvu.edu.vn/index.php/journal/article/view/856
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References
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trangchu/tk [Ngày truy cập: 10/1/2022].
[State Bank of Vietnam. Statistics of
credit outstanding to the economy.
https://www.sbv.gov.vn/webcenter/portal/vi/menu/
trangchu/tk [Accessed 10th January 2022]].
[3] Clair RT. Loan growth and loan quality: some preliminary evidence from Texas banks. Economic Review,
Federal Reserve Bank of Dallas, Third Quarter. 1992;
p.9–22.
[4] Guo K, Stepanyan V. Determinants of Bank Credit in
Emerging Market Economics. International Monetary
Fund Working Paper. 2011;11/51: 1–20.
[5] Graeve DF, Jonghe DO, Vennet R. The determinants
of pass - through of market conditions to bank retail
interest rates in Belgium. Brussels: National Bank of
Belgium. NBB Working Papers. 2004; 47.
[6] Gambacorta L. How do banks set interest rates?.
European Economic Review. 2004;52(5): 792–819.
[7] Hansen NJH, Sulla MO. Credit growth in Latin America: financial development or credit boom? Washington DC, America: International Monetary Fund;
2013.
[8] Tamirisa NT, Igan DO. Credit growth and bank
soundness in emerging europe. In: The Thirteenth
Dubrovnik Economic Conference, June 27 - 30, 2007,
Dubrovnik, Organized by the Croatian National Bank.
International Monetary Fund; 2007.
[9] Aydin B. Banking structure and credit growth in
Central and Eastern European countries. International
Monetary Fund Working Papers. 2008; 08/215.
[10] Trương Đông Lộc, Nguyễn Văn Thép. Các nhân tố
ảnh hưởng đến tăng trưởng tín dụng của các quỹ tín
dụng nhân dân ở khu vực Đồng bằng sông Cửu Long.
Tạp chí Khoa học Đại học Cần Thơ. 2014;105: 53–
61. [Truong Dong Loc, Nguyen Van Thep. Factors
affecting the credit risks of people’s credit funds in
the Mekong Delta. Can Tho University Journal of
Science. 2014;105: 53–61].
[11] Awdeh A. The determinants of credit growth
in Lebanon. International Business Research.
2017;10(2): 9–19.
[12] Baltagi BH, Baltagi BH. Econometric analysis of
panel data. Chichester: John Wiley & Sons; 2008;
4.
[13] Thái Duy. Tăng trưởng tín dụng cả năm 2021 có thể
lên 12%. https://thoibaotaichinhvietnam.vn/tangtruong-tin-dung-ca-nam-2021-co-the-len-12-
96054.html [Ngày truy cập: 20/12/2021]. [Thai Duy.
Credit growth for the whole year 2021 may reach
12%. https://thoibaotaichinhvietnam.vn/tang-truongtin-dung-ca-nam-2021-co-the-len-12-96054.html
[Accessed 20th December 2021]].
[14] Gujarati DN. Basic Econometrics. 4th ed. New York,
America: McGraw - Hill Irwin; 2004.
[15] Thu Hằng. Vì sao các ngân hàng ồ ạt tăng vốn
điều lệ. https://ndh.vn/ngan-hang/vi-sao-cac-nganhang-o-at-tang-von-dieu-le-1279872.html [Ngày
truy cập: 12/3/2022]. [Thu Hang. Why are banks
aggressively increasing their charter capital.
https://ndh.vn/ngan-hang/vi-sao-cac-ngan-hang-oat-tang-von-dieu-le-1279872.html [Accessed 12th
March 2022]].