• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.11
• /
• pp.219-229
• /
• 2020

The study investigates the factors affecting the profitability of listed commercial banks in Vietnam. Survey data for this research were collected from 10 Vietnamese listed commercial banks for the period from 2008 to 2018. In the study, we have built a model of econometric regression with the dependent variable being listed commercial banks' profitability results measured through ROA. The research methods used include descriptive statistics, IV regression and OLS regression analysis, and the authors carried out the model verification with Stata 14 software. The results showed that operating efficiency, loans size, retail loans ratio, state ownership, inflation rate, and GDP growth are factors that have a positive impact on profitability On the other hand, variables such as capital size, credit risk, liquidity risk, bank size, and revenue diversification are statistically insignificant; hence, these variables are not statistically adequate to indicate the influence of those independent variables to banks' profitability. The findings of this study suggest that the quality of assets should be considered in the context that bad debt risks come from lending heavily to the real estate sector. Meeting Basel II's capital compliance requirements is relatively difficult for small listed commercial banks compared to bigger listed commercial banks in Vietnam.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.9
• /
• pp.19-30
• /
• 2020

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, small- and medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, small- and medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.5
• /
• pp.785-793
• /
• 2021

The purpose of the research is to assess the factors affecting the liquidity of the commercial banks that are conducting mergers and acquisitions activities in Vietnam during the 2008-2018 period. This study employs samples based on 2-component data sets with cross-section and time-series data collected from the annual report of the State Bank and the audited acquisitions financial statements of nine commercial banks engaged in mergers and acquisitions activities. To carry out the research objectives, the authors conducted quantitative analysis through the Pooled OLS, REM, FEM and GMM models. The results shown that: (i) bank liquidity is positively affected by liquidity lagged, the return on equity (ROE) and economic growth; negatively affected by bank size, non-performing loan, short-run loan to deposit ratio; (ii) there is not enough evidence to conclude about the relationship between net profit margin, equity-to-assets ratio and inflation rate to bank liquidity; (iii) notably, we found evidence that, after the mergers and acquisitions, the liquidity of Vietnamese commercial banks decreased. The findings of this study suggest that bank managers take a more comprehensive view of the results of mergers and acquisitions and implications for banks to improve liquidity in the post-merger and acquisitions conditions.

• The Journal of Asian Finance, Economics and Business
• /
• v.8 no.1
• /
• pp.873-880
• /
• 2021

The purpose of this study is to investigate the impact of internal control on credit risk of joint stock commercial banks in Vietnam from 2007 to 2018. Furthermore, we specify bank-specific characteristics and macroeconomic conditions, and analyze how these factors affect credit risk of banks: the number of board members, the number of board members with banking or finance background as ratio of total board members, loans to total assets ratio, loans to deposit ratio, the number of days between the year-end and the publication of the financial statements, and the use of top four auditing firms proxy for five elements of internal control. By using the dataset of 30 Vietnamese joint stock commercial banks and Bayesian linear regression via Random-walk Metropolis Hastings algorithm, the results of this study show that five elements of internal control have a impact on bank credit risk, namely, control environment, risk assessment, control activities, information and communication, and monitoring activities. For factors of banks' characteristics, bank size and financial leverage have a negative impact on banks' credit risk, and bank age has a positive effect. For macroeconomic factors, inflation has a positive impact and economic growth has a negative impact on banks' credit risk.

• Journal of Distribution Science
• /
• v.20 no.9
• /
• pp.23-28
• /
• 2022

Purpose: Research on banking sustainability plays an important role in helping banks understand the level of risk in different types of companies. Therefore, this study was conducted to determine the factors affecting the sustainability of Joint Stock Commercia l Banks in Vietnam. Research design, data and methodology: The following theories, the factors affecting the bank's sustainability include: Business model diversification (income diversification), bank size, loan ratio, and net interest margin. Data was collected from Joint Stock Commercial banks in Vietnam from 2015 to 2019. With GLS model on panel data with banks listed on Vietnam stock exchange. Results: The analysis results show that net interest income has a positive impact on the sustainable business results of banks through the rate of return on total assets (ROA). The non-interest income hasn't impact on bank stability. From this result, there aren't positive signs of income diversification in banks. At the same time, with the obtained results, the study also provides a policy implication for banks. Conclusions: The study also provides some policy implications to improve the bank stability. Diversifying income in banks is necessary, but how to make it influential banks has not yet been done. Therefore, the adjustments in non-interest business activities need to be carefully considered by banks.

• Journal of Conservation Science
• /
• v.32 no.2
• /
• pp.261-271
• /
• 2016

We have investigated relationship between particle characteristics of oyster shell powder pigments and their performance such as workability and durability. Three types of the powder which have different particle size and shape(spherical, elliptical, columnar and irregular) distributions were made for this study and we evaluated spreadability and uniformity for workability, and adhesion and surface hardness for durability of painted films by each powder paints. As a result, we found out that the workability and durability of the paints were influenced by the particle shape distribution more than the particle size distribution. The durability, especially, was enhanced as the ratio of columnar particles in the powders was increased. This result verifying the important factor affecting the durability can be base data for selecting oyster shell white paint and assessing its quality for conservation and restoration of Dancheong, as well as to produce high quality traditional paints.

• Journal of KIISE:Computing Practices and Letters
• /
• v.15 no.5
• /
• pp.350-354
• /
• 2009

To optimize the performance of software programs, it is important to know certain hardware parameters such as the CPU speed, the cache size, the number of TLB entries, and the parameters of the memory subsystem. There exist several ways to obtain the values of various hardware parameters. Firstly. the values can be taken from the hardware manual. Secondly, the parameters can be obtained by calling functions provided by the operating systems. Finally, hardware detection programs can find the desired values. Such programs are usually executed on PC or server systems and report the CPU speed, the cache size, the number of TLB entries, and so on. However, they do not sufficiently detect the parameters of one of the most important parts of the computer concerning performance, namely the memory bank layout in the memory subsystem. In this paper, we present an algorithm to detect the memory bank parameters. We run an implementation of our algorithm on various embedded systems and compare the detected values with the real hardware parameters. The results show that the presented algorithm detects the cache size, the number of TLB entries, and the memory bank layout with high accuracy.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.12
• /
• pp.85-93
• /
• 2020

This study aimed to explore the impact of macroeconomic (Real GDP growth (GDPG), Inflation rate (INF)) and bank -specific variables (profitability (ROA), capital adequacy (CADEQ), non-performing loans (NPL), deposit growth (DEPG)) on the liquidity (lIQ) of 13 listed Jordanian commercial banks for the period 2011-2018. Panel data analysis, Pooled least square, fixed effects model and random effects model, Lagrange multiplier test, and Hausman test were used. The random effects model output shows that, macroeconomic variables have a significant impact on Jordanian commercial banks liquidity since inflation has a positive impact while GDPG has a negative impact on banks (LIQ). On the other hand among the bank-specific variables capital adequacy and deposit growth have a positive significant impact on banks (LIQ), while (NPL) and (SIZE) have a negative significant impact on Jordanian commercial banks liquidity. But ROA has a negative insignificant impact on (LIQ). The findings of the study suggest that commercial banks departments need to pay attention to the economic and internal variables of banks in order to maintain acceptable levels of liquidity.

• Journal of the Korea Institute of Military Science and Technology
• /
• v.16 no.3
• /
• pp.285-294
• /
• 2013

In this paper, we present a tunable BPF with a novel structure. The filter is very useful to optimization of low frequency filter performance, because the fiilter has air-coils and tuning screws. This filter also has the merits of light weight and small size in comparison with conventional tunable filter at low frequency. This type filters are especially suitable for switched filter bank due to tuning structure. We designed 4 channel filter bank with two SP4Ts and 4 BPFs using novel structure. Tuning processes were subsequently executed. We obtained satisfactory performances as a result; consequently, the validity of our proposal was proved.

• Korean Journal of Cognitive Science
• /
• v.26 no.4
• /
• pp.377-392
• /
• 2015

Korean semantic role labeling (SRL) is usually performed by a machine learning and requires a lot of corpus. However, the Korean PropBank used in Korean SRL system is less than PropBank. It leads to a low performance. Therefore, we expand the annotated corpus and verb frames for Korean SRL system to expand the Korean PropBank corpus. Most of the SRL system have a domain-dependent performance so, the performance may decrease if domain was changed. In this paper, we use the domain adaptation technique to reduce decreasing performance with the existing corpus and the small size of new domain corpus. We apply the domain adaptation technique to Structural SVM and Deep Neural Network. The experimental result show the effectiveness of the domain adaptation technique.