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November 18, 2025Open Access

The Effect of Credit Risk on the Profitability of Vietnamese Commercial Banks

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Authors

HHHoang Thi Thu Hien

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Overview

Analysis shows credit risk negatively affects profitability in Vietnamese banks, suggesting improved risk management is essential.

Key Points

  • Profitability is significantly affected by credit risk, especially during economic downturns.
  • Increased credit risk indicators, like non-performing loans, were linked to declining profits during the COVID-19 pandemic.
  • This observational analysis utilized secondary data from leading banks and the State Bank of Vietnam from 2015 to 2023.
  • The findings highlight the need for better credit risk management and technology integration among bankers.

Cite This Study

Hoang Thi Thu Hien (2025) studied this question.

synapsesocial.com/papers/6924fef9c0ce034ddc352077https://doi.org/10.5281/zenodo.17638845
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1THE EFFECT OF CREDIT RISK ON THE PROFITABILITY OF VIETNAMESE COMMERCIAL BANKS2025
  2. 2IMPACT OF CREDIT RISK MANAGEMENT ON PROFITABILITY OF COMMERCIAL BANKS: A CASE STUDY IN VIETNAM2024
  3. 3The Effect of Credit Risk on the Financial Performance of Commercial Banks in Vietnam2024 · 2 citations
  4. 4Impacts of Digital Transformation and Basel III Implementation on the Credit Risk Level of Vietnamese Commercial Banks2024 · 17 citations
  5. 5The Impact of Non-Performing Loans on the Profitability of Vietnamese Commercial Banks2026