Human Capital and Bank Performance: Does Size Matter?

Quynh Nguyen Thi Nhu ()
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Quynh Nguyen Thi Nhu: Faculty of Finance, Ho Chi Minh University of Banking, No. 36 Ton That Dam Street, Sai Gon Ward, Ho Chi Minh City 700000, Vietnam

JRFM, 2025, vol. 18, issue 8, 1-16

Abstract: This study was conducted to examine the moderating effect of size on the impact of human capital on bank performance, using data from 26 commercial banks in Vietnam from 2008 to 2023 through panel data regression methods. The results indicate that bank size and human capital are important resources for commercial banks to increase their performance, which is consistent with the resource-based view and economies of scale theory. However, bank size fails to exhibit a significant moderating effect on the impact of human capital on the bank performance in Vietnam. This phenomenon can be explained by the relatively limited influence of size effects on human capital, coupled with the fact that the majority of Vietnamese commercial banks place significant strategic emphasis on human capital development within their operational frameworks. In addition, this study highlights the impact of some internal factors and the macroeconomic conditions on bank performance. From these empirical findings, this paper recommends several critical policies.

Keywords: human capital; bank size; bank performance; Vietnamese commercial banks (search for similar items in EconPapers)
JEL-codes: C E F2 F3 G (search for similar items in EconPapers)
Date: 2025
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