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

Author

Listed:
  • Trịnh Thị Phan Lan
  • Hoàng Thị Lan Anh
  • Nguyen Thi Phi Nga

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.

Suggested Citation

  • Trịnh Thị Phan Lan & Hoàng Thị Lan Anh & Nguyen Thi Phi Nga, 2024. "Determinant Influencing Non-Performing Loans: A Story of Vietnamese Commercial Banks," SPAST Reports, SPAST Foundation, vol. 1(6).
    • Handle: RePEc:bps:jspath:v:1:y:2024:i:6:id:5040
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    File URL: https://spast.org/article/view/5040/427
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