THE IMPACT OF THE COVID-19 PANDEMIC ON THE PROFITABILITY OF LARGE COMMERICAL BANKS IN THE REPUBLIC OF NORTH MACEDONIA

The purpose of this study is to investigate the impact of the current Covid-19 pandemic on profitability ratios of large commercial banks in the Republic of North Macedonia. By using data over the period 2004 – 2020, ten profitability indicators are examined. These indicators are investigated by comparing their values before and during the Covid-19 pandemic. Overall, the study reveals a preliminary evidence that large commercial banks are affected by the Covid-19 pandemic. So far, profitability of large banks has not changed significantly due to Covid-19 and they keep satisfactory profitability levels. However, this impact should be investigated furthermore in next studies because the current pandemic has long-term effects.

Analyzing factors affecting the performance of Vietnam’s commerical banks in the era of international financial integration

The paper researches on factors affecting the performance of Vietnam‟s commercial banks in the integration period of 2005 – 2011, using Stochastic Frontier Panel Data (SFA) method. The results suggest that the performance of Vietnam‟s commercial banks are determined by two main groups of factors, which are subjective and objective. The former includes market share, liquidity risk, foreign holding ratio and bank size while the latter consists of GNP, and inflation. Determinants of the performance of Vietnam‟s commercial banks are foreign holding ratio, banking size and market share.

Study on the Effect Factors of Non-Perormance Loan Ratio of Chinese Commerical Banks

Non-performance loan ratio is one of the important assessment criteria of the security of credit assets. It is also an important financial indicator to evaluate the general strength of commercial banks. Using principal component analysis method and statistical software SPSS16.0 and based on the non-performance loan ratio and relative data of some commercial banks in China in 2007, this paper provided a principal component analysis model for the non-performance loan ratio of China’s commercial banks. The factors that affect the non-performance loan ratio were refined in this paper. Finally, the characteristics of effect factors of each bank were analyzed and compared in detail.