ASSESSING THE PERFORMANCE OF JOINT STOCK COMMERCIAL BANKS WITHOUT STATE CAPITAL IN VIETNAM: THE TRADITIONAL APPROACH

Abstract

The study aims to evaluate the performance of joint-stock commercial banks without Vietnamese state capital in the period 2018–2022, using the traditional approach - analyzing groups of financial indicators. The research results show an overall picture of the banks’ operations through groups of profitability indices (return on total assets, return on equity), safety indices (return on total assets, return on equity), safety indices (capital adequacy ratio, bad debt ratio), and liquidity indices (asset liquid reserve ratio and loan to total asset ratio). Based on the results, the authors propose some recommendations to improve the operational efficiency of joint-stock commercial banks without state capital in Vietnam.