Determinants of Net Interest Margin in Commercial Banks in Viet Nam

This riveting study dives into the dynamics of net interest margin (NIM) within Vietnam’s commercial banking sector from 2007-2018, offering fresh perspectives by considering factors like mergers and foreign ownership ratios. Our findings unveil a positive correlation between NIM variables such as credit risk, risk aversion, loan-to-customer ratio, implicit rate, equity inflation. Conversely, takes hit with better management efficiency, during mergers, in times economic crises. Interestingly, GDP growth rate remain neutral, showing no influence on NIM.This is an Open Access article distributed under terms Creative Commons Attribution License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution, reproduction any medium provided original work properly cited.