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Impacts of Diversification on Operational Efficiency of Vietnam Commercial Bank

Anh Tran Thi Lan

Annals of Computer Science and Information Systems

2021

Vol. 28

55--61

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.