The Impact of Ownership on Net Interest Margin of Commercial Bank in Vietnam

摘要

This study analyses the impact of the Ownership on Net Interest Margin of commercial banks in Vietnam. The panel data regression method is applied to analyse the second data of 26 banks together with 234 observations during the period of 2008 to 2016. The empirical results firstly indicates that lending scale, operating cost, liquidity risk, equity ratio have a positive and significant effect on net interest margin of the commercial banks in Vietnam. Secondly, Credit Risk has no significant relationship with net interest margin. Finally, there is no significant difference in the net interest margins of state-owned commercial banks and those of joint-stock commercial banks in Vietnam.