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Using Tobit Model to Estimate the Impact of Factors on Business Efficiency of Vietnam Commercial Bankers

In: Global Changes and Sustainable Development in Asian Emerging Market Economies: Volume 2

Author

Listed:
  • Nguyen Thi Bich Vuong

    (Hanoi Technology Economics College)

  • Nguyen Phi Dat

    (Banking Academy)

Abstract

With its position as the “heart” of the economy, business activities of the banking system are always the top concern, especially for the system of joint-stock commercial banks—the type that is rated as the most effective. Vietnam is a developing country with competitive pressure and great challenges coming from its commitments to opening up and integrating, so assessing the business efficiency of the system of Vietnamese joint-stock commercial banks is very important. The chapter uses Tobit regression model to estimate the impact of factors on business efficiency of 30 Vietnamese joint-stock commercial banks during the 7-year period 2015–2021. The estimation results of Tobit regression model on the impact of factors on the bank’s business efficiency show that there are six influential factors—return on equity (ROE), return on asset (ROA), bad debt ratio (NPL), equity/asset ratio (VCSHTS), expense/income ratio (CPTN), and asset size (TTS)—and in which NPL, CPTN, and TTS have negative impact on the bank’s business efficiency, while the variables risk provision ratio (DPRR) and debt/total assets ratio (DNTTS) are not statistically significant.

Suggested Citation

  • Nguyen Thi Bich Vuong & Nguyen Phi Dat, 2024. "Using Tobit Model to Estimate the Impact of Factors on Business Efficiency of Vietnam Commercial Bankers," Springer Books, in: An Thinh Nguyen & Luc Hens (ed.), Global Changes and Sustainable Development in Asian Emerging Market Economies: Volume 2, chapter 0, pages 37-45, Springer.
    • Handle: RePEc:spr:sprchp:978-3-031-68842-3_3
    DOI: 10.1007/978-3-031-68842-3_3
    as

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