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Risk and Income Diversification in the Vietnamese Banking System

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  • Thi Canh Nguyen
  • Dinh Vinh Vo
  • Van Chien Nguyen

Abstract

The study sheds light on the impacts of income diversification on risks of the Vietnamese banking industry. By analyzing a broad set of 32 local commercial banks during the period from 2005 to 2012, we find the evidence that bank with high non-interest income present lower risk than those with mainly interest income. Considering size effects, the results are also mostly accurate for large banks. However, for small banks, the impacts of income diversification are not confirmed clearly. In addition, the paper investigates two samples: listed and unlisted banks. The results also indicate the positive effects of the diversification on banking risks of these categories.

Suggested Citation

  • Thi Canh Nguyen & Dinh Vinh Vo & Van Chien Nguyen, 2015. "Risk and Income Diversification in the Vietnamese Banking System," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 5(1), pages 1-7.
    • Handle: RePEc:spt:apfiba:v:5:y:2015:i:1:f:5_1_7
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    Cited by:

    1. Helmi Hamdi & Abdelaziz Hakimi & Khemais Zaghdoudi, 2017. "Diversification, bank performance and risk: have Tunisian banks adopted the new business model?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 3(1), pages 1-25, December.
    2. Muhammad Farhan Basheer & Waeibrorheem Waemustafa & Mohamad Helmi Bin Hidthiir & Saira Ghulam Hassan, 2021. "Explaining the endogeneity between the credit risk, liquidity risk, and off-balance sheet activities in commercial banks: a case of South Asian economies," International Journal of Monetary Economics and Finance, Inderscience Enterprises Ltd, vol. 14(2), pages 166-187.

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