Abstract
The banking system’s business activities, particularly those of joint-stock commercial banks, are of utmost concern due to their pivotal role in the economy. In Vietnam, a developing nation facing competitive pressures and challenges from its integration commitments, evaluating the efficiency of Vietnamese joint-stock commercial banks holds significant importance. This study employs the Tobit regression model to assess the impact of various factors on the business efficiency of 30 Vietnamese joint-stock commercial banks over a seven-year period from 2016 to 2022. The Tobit regression results reveal six key factors influencing the banks’ business efficiency, namely Return on Equity, Return on Assets, Non-Performing Loan ratio, Equity to Asset ratio, Expense to Income Ratio, and Asset size. Additionally, the risk provision ratio and debt-to-total assets ratio did not show statistical significance in the model. Keywords: Efficiency, commercial banks, Vietnam, Tobit regression
JEL classification: G21, L25, D22.
DOI: 10.63767/TCKT.37.2026.69.74
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Ban biên tập Tạp chí Kinh tế & Quản trị Kinh doanh
Phòng 514, Nhà điều hành, trường Đại học Kinh tế & Quản trị Kinh doanh
Địa chỉ: Phường Tân Thịnh, thành phố Thái Nguyên
Email: tapchikt-qtkd@tueba.edu.vn; Điện thoại: 0208.3903373
