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This research has focused on the assessment the impacts business diversification can have on the operational efficiency of commercial banks on the basis of regression of array data of 24 Vietnamese commercial banks in the period 2010 - 2020. The findings signify the important benefits of diversification in banking. By diversifying business activities, it is possible for banks to assert their position in the market, improve competitiveness, and thereby have many opportunities to find new incomes from non-traditional activities. Diversification is also a way for banks to limit risks and improve operational efficiency. This is reflected in the fact that the diversification index has positive influences on the bank’s operating efficiency both before and after risk adjustment. On the basis of research results, the author gives some policy implications.
Rocznik
Tom
Strony
55--61
Opis fizyczny
Bibliogr. 20 poz., tab.
Twórcy
autor
- Faculty of Business Administration Hanoi University of Industry, No.298, Cau Dien Street, Bac Tu Liem District, Hanoi, Viet Nam
Bibliografia
- 1. Amidu, M., & Wolfe, S. (2013). Does bank competition and diversification lead to greater stability? Evidence from emerging markets. Review of Development Finance, 3(3), 152-166.
- 2. Baele, L., De Jonghe, O., & Vander Vennet, R. (2007). Does the stock market value bank diversification?. Journal of Banking & Finance, 31(7), 1999-2023.
- 3. Berger, A.N., 1995(a). The profit - structure relationship in banking: Tests of market- power and efficient-structure hypotheses. Journal of Money, Credit, and Banking, 27, 404-431.
- 4. Berger, A. N., Hasan, I., & Zhou, M. (2010). The effects of focus versus diversification on bank performance: Evidence from Chinese banks. Journal of Banking & Finance, 34(7), 1417-1435.
- 5. Boyd, J. H., & Graham, S. L. (1988). The profitability and risk effects of allowing bank holding. Federal Reserve Bank of Minneapolis. Quarterly Review-Federal Reserve Bank of Minneapolis, 12(2), 3.
- 6. Casu et al. (2015), “Introduction to banking”, 2nd Ed. London: Prentice Hall Financial Times.
- 7. Chiorazzo, V., Milani, C., & Salvini, F. (2008). Income diversification and bank performance: Evidence from Italian banks. Journal of financial services research, 33(3), 181-203.
- 8. DeYoung, R., & Roland, K. P. (2001). Product mix and earnings volatility at commercial banks: Evidence from a degree of total leverage model. Journal of Financial Intermediation, 10(1), 54-84.
- 9. Doumpos, M., Gaganis, C., & Pasiouras, F. (2016). Bank diversification and overall financial strength: International evidence. Financial Markets, Institutions & Instruments, 25(3), 169-213.
- 10. Ho Thi Hong Minh & Nguyen Thi Canh (2015), Income diversification and factors affecting profitability of Vietnamese commercial banks. Journal of Technology-banking, 106 – 107, 13 – 24.
- 11. Hughes, J. P., & Mester, L. J. (2008). Efficiency in banking: theory, practice, and evidence.
- 12. Laeven Luc & Ross Levine(2005). Is there a diversification discount in financial conglomerates? Journal of Financial Economics, 85(2), 331-367
- 13. Lepetit, L., Nys, E., Rous, P., & Tarazi, A. (2008). Bank income structure and risk: An empirical analysis of European banks. Journal of banking & finance, 32(8), 1452-1467.
- 14. Le Long Hau & Pham Xuan Quynh (2016). Impact of income diversity on business performance of Vietnamese commercial banks. Journal of Banking technology, (124), 11-15.
- 15. Meslier, C., Tacneng, R., & Tarazi, A. (2014). Is bank income diversification beneficial? Evidence from an emerging economy. Journal of International Financial Markets, Institutions and Money, 31, 97-126.
- 16. Mercieca, S., Schaeck, K., & Wolfe, S. (2007). Small European banks: Benefits from diversification?. Journal of Banking & Finance, 31(7), 1975-1998.
- 17. Montgomery, C. A. (1994). Corporate diversificaton. Journal of economic perspectives, 8(3), 163-178.
- 18. Sanya Sarah và Simon Wolfe (2011). Can bank in emerging economies benefit from revenue diversification? Journal of Financial services Research, 40(1-2), 79-101
- 19. Porter, M. E. (1989). From competitive advantage to corporate strategy. In Readings in strategic management (pp. 234-255). Palgrave, London.
- 20. Vo Xuan Vinh, Nguyen Trung Thong (2015), Impact of credit portfolio diversification on profitability and risk of Vietnamese commercial banks. Journal of Economics and Development, 216(II), 87-95.
Uwagi
1. Preface
2. Session: International Conference on Research in Management and Technovation
Typ dokumentu
Bibliografia
Identyfikator YADDA
bwmeta1.element.baztech-464e6a08-4a62-4316-ae26-9993bdb950c8