Determinant Influencing Non-Performing Loans: A Story of Vietnamese Commercial Banks

Trịnh Thị Phan Lan (), Hoàng Thị Lan Anh () and Nguyen Thi Phi Nga ()

SPAST Reports, 2024, vol. 1, issue 6

Abstract: This study aims to analyze the factors influencing non-performing loans (NPLs) in commercial banks during the period 2016-2022. The study utilized a sample of 16 joint-stock commercial banks in Vietnam. The authors employed three regression models: Pooled OLS, Fixed Effects Model (FEM), and Random Effects Model (REM), ultimately selecting REM as the most appropriate model. The results show that out of 5 variables, GDP and bank size have a negative impact on bad debt ratio. However, credit growth rate, credit loss provision and loan to total assets ratio have the same direction on NLPs.

Keywords: Finance; Fintech; Loans; Behaviour; Commercial banks; Bad Debt; non-performing loans (search for similar items in EconPapers)
Date: 2024
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