Improving financial ability of the Vietnam joint stock commercial banks after merger

Abstract

After the merger, under the supervision of the central bank, most banks have taken the initiative in developing the
plan to restructure the bank in a comprehensive manner in finance, operations, bank management. However, the
indicator reflecting the performance of commercial banks after the merger has not really significant changes: the
ratio of net interest income in the sample are reduced through the year and at very low. This shows the merger of
the banks have not created a positive effect on business performance, the banks have not made full use of new
inputs and to generate the best outputs. This articles about the financial ability improvement of commercial banks
after the merger Vietnam following research on the financial situation after the merger of 04 commercial banks
including Saigon- Hanoi commercial Bank (SHB), Saigon Commercial Bank (SCB) and Public Vietnam Bank
(PVcombank), Hanoi Development Bank (HD Bank)