| dc.description.abstract | Pursuing the purpose of having a study on bank performance in Vietnam in
order to have a picture on bank performance in recent years, this research has been
conducted by applying CAMEL model for the assessment process regarding to the
regulation of the state bank of Vietnam. For achieving aim of the research, 9 commercial
banks are used for evaluation based on their competitive position, positive ranking and
size which include: Vietinbank, BIDV, Vietcombank, MBbank, Sacombank, ACB,
Techcombank, SHB and Eximbank. Secondary data or bank annual financial report is the
main source of information used for analyzing bank performance. Moreover, this
research also uses group ranking and regression analysis to show which bank performs
better compared to its competitors and identify which factors (variables) of CAMEL
model have a significant impact on bank ROA & ROE. Based on the results from the
analyzing process, this research has showed that: firstly for each assessed component of
CAMEL model, each bank has been holding a specific ranking based on the quality and
ability of generating return. Potential problems are mostly related to some specific banks
regarding to 2 main components: assets quality and liquidity. Secondly, by combining 5
components, the overall performance of commercial banks has showed that MBB has
been holding the first position which has implied the suitable strategy that MBB applied
in order to balance operation based on 5 CAMEL components while the lowest rank is
belong BIDV which also need to be considered. Finally, according to regression results,
variables that have a significant impact on bank ROA are ICG, fixed assets to equity and
loans to total assets while significant variables for ROE are ICG, loan to total assets and
CAR.
Taking them all into consideration, despite the fact that banking industry has
somewhat improved and developed steadily, it’s still a long way for completing the
process of restructuring and strengthening banking sector with the adjustment and
application of the international standard. | en_US |
