scholarly journals Ownership complexity and loan quality: Evidence for listed commercial banks in Vietnam

2021 ◽  
pp. 47-51
Author(s):  
Phan Hoang Long Phan
Keyword(s):  
Commercial Banks ◽  
Positive Impact ◽  
Bank Loan ◽  
Government Ownership ◽  
Loan Portfolio ◽  
Bank Ownership ◽  
Loan Quality ◽  
The Relationship ◽  
Dispersion Calculation

This paper examines the relationship among aspects of bank ownership complexity, including ownership dispersion and type, and the quality of bank loan portfolio. The data used for analysis is an unbalanced panel consisting of 13 listed commercial banks in Vietnam for the period of 2010 - 2019. The non-performing loan (NPL) ratio is used as an indicator of loan quality. The results showed that ownership dispersion, calculation based on the Herfindahl–Hirschman Index of large shareholding, improves the loan quality. Foreign ownership is also found to have positive impact on the loan quality. However, there is no relationship established between government ownership and loan quality.

scholarly journals The Effect of Multiple Large Shareholders on Banks’ Profitability and Risk

2021 ◽  
Vol 13 (4) ◽  
pp. 1888
Author(s):  
Maria Gaia Soana ◽  
Laura Barbieri ◽  
Andrea Lippi ◽  
Simone Rossi
Keyword(s):  
Corporate Governance ◽  
Commercial Banks ◽  
Banking Sector ◽  
Positive Impact ◽  
Corporate Structure ◽  
Academic Literature ◽  
Large Shareholders ◽  
Bank Ownership ◽  
Institutional Shareholders

The wide-ranging academic literature on corporate governance in the banking sector includes only a few studies on bank ownership and, specifically, on the comparative power of shareholders within the corporate structure. This paper reports an investigation into the presence of multiple large shareholders and their influence on profitability and risk in the long-term, considering a sample of 697 U.S. and European listed commercial banks from 2008 to 2018. It was found that the number of large and institutional shareholders has a positive impact on profitability, but no effect on risk. However, long-term ownership by multiple large shareholders contributes to decreasing risk in banks.

Trends and problems of retail Bank lending in modern conditions on the example of «Sberbank of Russia»

2020 ◽  
pp. 156-165
Author(s):  
В.В. Мандрон ◽  
А.Ю. Ефименко ◽  
Д.Г. Свиридов
Keyword(s):  
National Economy ◽  
Positive Impact ◽  
Banking System ◽  
Bank Lending ◽  
Real Income ◽  
Real Estate Market ◽  
The State ◽  
Loan Portfolio ◽  
Effective Development

Эффективное развитие механизмов кредитования физических лиц оказывает положительное влияние не только на рынок недвижимости, автомобильную промышленность, потребительский рынок, но и на темпы развития банковской системы, что значительно влияет на рост национальной экономики и улучшает качество жизни населения РФ. Исследование посвящено ключевым тенденциям и проблемам функционирования рынка розничного кредитования в современных условиях. Определены главные проблемы, которые оказывают существенное влияние на организацию рынка розничного кредитования, его объемы и качество. Проведен анализ данных отражающих состояние рынка розничного кредитования на современном этапе. На состояние данного сегмента кредитного рынка оказывает влияние как общее экономическое состояние государства, курс денежно-кредитной политики Банка России, уровень реальных доходов населения, а также форс-мажорные ситуации. В статье дается оценка объема, состава и структуры кредитного портфеля одного из крупнейших финансово-кредитных институтов страны – ПАО «Сбербанк России». Особое внимание уделено кредитованию физических лиц в разрезе отдельных форм и видов кредитных инструментов, отражается связь состояния национальной экономики и качества кредитного портфеля банка. Effective development of mechanisms for lending to individuals has a positive impact not only on the real estate market, automotive industry, consumer market, but the pace of development of the banking system, which greatly affects the growth of the national economy and improves the quality of life of the Russian population. The research is devoted to the key trends and problems of functioning of the retail lending market in modern conditions. The main problems that have a significant impact on the organization of the retail lending market, its volume and quality are identified. The analysis of data reflecting the state of the retail lending market at the present stage is carried out. The state of this segment of the credit market is influenced by the General economic state of the state, the rate of monetary policy of the Bank of Russia, the level of real income of the population, as well as force majeure situations. The article provides an assessment of the volume, composition and structure of the loan portfolio of one of the largest financial and credit institutions in the country-PJSC Sberbank of Russia. Special attention is paid to lending to individuals in the context of individual forms and types of credit instruments, reflecting the relationship between the state of the national economy and the quality of the Bank's loan portfolio.

scholarly journals THE INFLUENCE OF SUPPLIER FAIRNESS PERCEPTION AND TRUST ON THE RELATIONSHIP QUALITY OF AGRICULTURAL PRODUCT SUPPLY CHAIN

2021 ◽  
Author(s):  
YU-LING SUN ◽  
ZE-YU ZHU ◽  
HUI YANG
Keyword(s):  
Supply Chain ◽  
Relationship Quality ◽  
Positive Impact ◽  
Agricultural Product ◽  
Direct Impact ◽  
Fairness Perception ◽  
Supply Chain Relationships ◽  
The Relationship ◽  
Agricultural Supply

Suppliers are important members of the agricultural product supply chain, and their behavior decisions may have a certain impact on the sustainable development of the agricultural product supply chain. From the perspective of agricultural product supplier trust, this paper studies the direct impact of agricultural product supplier trust on relationship quality and the indirect impact of supplier fairness perception on relationship quality. Based on the survey data of agricultural product suppliers, this paper uses the structural equation model method for empirical analysis. The analysis results show that fairness perception and trust perception have a significant positive impact on the quality of agricultural supply chain relationships, among which trust perception has a positive direct impact on the quality of agricultural supply chain relationships, while fairness perception has indirect influence on the quality of agricultural supply chain relationships through trust. In addition, information sharing, price satisfaction, income level and environmental certainty have a significant positive impact on suppliers’ fairness perception. Therefore, sellers comprehensively consider the fairness perception and trust perception of suppliers, which will help improve the relationship quality of the supply chain.

scholarly journals An Evaluation of Relationship between Foreign Direct Investment and Economic Growth in Vietnam

2014 ◽  
Vol 220 ◽  
pp. 79-96
Author(s):  
Anh Phạm Thị Hoàng ◽  
Thu Lê Hà
Keyword(s):  
Economic Growth ◽  
Foreign Direct Investment ◽  
Direct Investment ◽  
Significant Contribution ◽  
Foreign Capital ◽  
Positive Impact ◽  
National Economic ◽  
Investment Law ◽  
The Relationship

Foreign direct investment (FDI) is an essential source of capital in the gross investment conducive to national economic growth, including the case of Vietnam. Since the 1987 Foreign Investment Law, the country has attracted a large amount of foreign capital, which makes a significant contribution to economic development. This research employs a VAR model to analyze the relationship between FDI and Vietnam’s economic growth. The results suggest that FDI has a positive impact on the latter and vice versa. The research also finds that FDI stimulates export and improves the quality of human resources and technology - important prerequisites for the economic growth.

scholarly journals International Evidence on the Determinants of Domestic Sovereign Debt Bank Holdings

2019 ◽  
Vol 58 (2-3) ◽  
pp. 143-160
Author(s):  
Dimitris K. Chronopoulos ◽  
George Dotsis ◽  
Nikolaos T. Milonas
Keyword(s):  
Sovereign Debt ◽  
Home Bias ◽  
Government Ownership ◽  
Government Bonds ◽  
Bank Ownership ◽  
Specific Factors ◽  
Quality Of Governance ◽  
Domestic Banks ◽  
Country Specific

Abstract In this paper, we examine the determinants of bank holdings of domestic sovereign debt with a panel dataset of 295 banks in 35 countries between 2002 and 2013. The findings indicate that the structure of bank ownership (domestic, foreign, or government ownership), the quality of governance, and the level of financial development of the countries in which banks operate all determine the level of home bias. Specifically, we find that domestic banks tend to hold more domestic sovereign debt relative to their foreign counterparts. We also provide evidence that home bias is even stronger when the domestic bank is controlled by its government. Moreover, home bias increases when government bonds are more risky, home governments are less effective, and when banking systems are less financially developed. Overall, we find that banks’ home bias in holding sovereign debt is an international phenomenon that is determined by both bank- and country-specific factors.

scholarly journals Bank risk profile and horizons in financing investment projects: a case study of selected banks in Uzbekistan

2021 ◽  
Vol 7 (5) ◽  
pp. 38-42
Author(s):  
Rustam Sultanov ◽  
Umidjon Duskobilov
Keyword(s):  
Method Of Moments ◽  
Commercial Banks ◽  
Positive Impact ◽  
Risk Profile ◽  
Bank Risk ◽  
Investment Activity ◽  
Investment Projects ◽  
Generalised Method Of Moments ◽  
The Relationship

The article presents the results of risk analysis in financing investment projects. In the example of three commercial banks, the relationship between the factors causing risks and the dynamics of the volume of financing of investment projects was modelled using the two-step generalised method of moments - 2SGMM. According to the results of econometric analysis, among the factors, risk assets, risk profile, interest income and investment activity of banks have a significant positive impact on the dynamics of investment loans.

scholarly journals Value Creation in the Listed Banks: Do Governance Matter?

2020 ◽  
Vol 21 (2) ◽  
pp. 917-930
Author(s):  
Abdul Mongid ◽  
R. R Iramani ◽  
Muazaroh Muazaroh
Keyword(s):  
Value Creation ◽  
Commercial Banks ◽  
Financial Stability ◽  
Positive Impact ◽  
Prudential Supervision ◽  
Negative Effect ◽  
Governance Practice ◽  
Bank Governance ◽  
And Performance ◽  
The Relationship

We assess the relationship between bank governance practice (GCG), efficiency, capital and risk on value creation in a sample of Indonesia commercial banks using the balance panel methodology. Our results suggest that GCG has a positive impact on value creation and performance. We also find that higher interest margin eventually becomes more profitable, better capitalized and that higher capital levels tend to have a neutral or negative effect on value creation. Efficiency levels are positive to value creation. These results are generally confirmed by a series of robustness tests. The findings convey potentially important implications for bank prudential supervision and underline the importance of attaining better governance to support sustainability and financial stability objectives.

scholarly journals State Ownership and Risk-Taking Behaviour: Evidence from Malaysia’s Banking Industry

2020 ◽  
Vol 15 ◽  
pp. 65-94
Author(s):  
Ai-Xin Lee ◽  
Chee-Wooi Hooy
Keyword(s):  
Corporate Governance ◽  
Board Of Directors ◽  
Significant Role ◽  
Risk Taking ◽  
Commercial Banks ◽  
Banking Industry ◽  
State Ownership ◽  
Government Ownership ◽  
Corporate Governance Mechanisms ◽  
The Relationship

This study investigates state ownership on risk-taking behaviour in Malaysia’s banking industry. Using the panel of Malaysian commercial banks, this paper examines whether banks’ risk-taking is affected by Malaysian government ownership through the five largest investment arms of Malaysia (GLICs). The findings show that state-owned banks exhibit higher risk-taking behaviour compared to the private-owned banks in terms of loans. There is evidence that a higher degree of state ownership has a more significant impact on banks’ risk-taking behaviour. We also investigate the relationship with corporate governance mechanisms. The findings suggest that the composition of board of directors somehow plays a significant role in the governance of banks.

scholarly journals Governance and Tax Revenue in Asean Countries

2015 ◽  
Vol 6 (2) ◽  
pp. 76-88
Author(s):  
Makmun Syadullah
Keyword(s):  
Law Enforcement ◽  
Positive Impact ◽  
Descriptive Analysis ◽  
Political Stability ◽  
Tax Revenue ◽  
Negative Effects ◽  
Asean Countries ◽  
And Control ◽  
The Relationship

Tax revenue is influenced by many factors. Existing studies reveal that political stability, level of corruption, quality of the policy, income per capita, share of agriculture to the GDP, and market openness are some of the factors influencing tax revenue. This study aims to analyze the influence of governance by using some indicators, such as political stability, government effectiveness, quality of regulation, law enforcement accountability and control on corruption in tax area through empirical analysis of ASEAN countries. Descriptive analysis and causality methods are employed in this study. causality method is used to determine the relationship between observed variables using panel regression. The results of the study indicate that the controlon corruption, voice and accountability and political stability variables have significant negative effects on the tax ratio, while rule of law and quality of regulatory variables have positive impact on the tax ratio.

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