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April 3, 2026Banks and Bank SystemsOpen Access

Determinants of bank profitability in Vietnam: Integrating digital transformation, ESG, and market structure

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Authors

TNTuan Van Ngo

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Overview

Research analyzes bank profitability determinants in Vietnam, showing the impact of digital transformation and ESG on returns.

Key Points

  • The aim is to identify factors influencing bank profitability in Vietnam, focusing on digital transformation and ESG.
  • Analyzed 20 Vietnamese banks from 2015 to 2024
  • Used a dynamic panel framework with unit root and cointegration tests
  • Employed the Arellano-Bond GMM method for estimation
  • Assessed robustness through various econometric techniques including pooled OLS and fixed effects
  • Lagged return on equity (ROE) significantly affects profitability (≈ 0.42, p < 0.001)
  • Non-interest income and liquidity positively impact ROE (NII ≈ 0.21, LIQ ≈ 0.036)
  • Digital transformation and ESG efficiency contribute positively to profitability (≈ 0.041 and 0.057, respectively)
  • Higher capital adequacy ratios and operating expenses negatively affect ROE

Cite This Study

Tuan Van Ngo (2026) studied this question.

synapsesocial.com/papers/69cf588f5a333a82146097bdhttps://doi.org/10.21511/bbs.21(1).2026.20
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