FACTORS AFFECTING THE NET INTEREST MARGIN OF VIETNAMESE COMMERCIAL BANKS

Abstract

This study analyzes the factors affecting net interest margin (NIM) of 30 commercial banks in Vietnam in the period 2012-2020 through the system generalized moment regression model (SGMM). Commercial banks are divided into two groups: listed banks and unlisted banks on the stock market. Factors affecting the NIM of group 1 banks include operating costs, bank loans, and inflation. Meanwhile, the factors affecting the NIM of group 2 banks are bank capital, operating costs, bank loans, and GDP growth.