Bank Ownership vs Credit Growth: Empirical Evidence from Vietnamese Commercial Banks

2021 ◽  
Vol 8 (11) ◽  
pp. 32-43
Author(s):  
Nam V. Nguyen ◽  
Ngoc T. Nguyen ◽  
Mai T.T. Ngo
Keyword(s):  
Growth Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Growth Management ◽  
Banking System ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Credit Growth ◽  
Bank Ownership ◽  
The Government

This paper is aimed at analyzing the relationship between bank ownership and credit growth of Vietnamese commercial banks. With the data of 20 commercial banks in period 2009-2018 period, the REM method is applied. The key findings are: First, credit growth rate of state-owned commercial banks in Vietnam is higher than of private commercial banks, which is opposite to the expected signal. The main reasons are (i) decision making of state-owned commercial banks on lending are backed by the government, which is more straight-forward than private banks; (ii) State Bank of Vietnam considers credit policy as one of the important monetary policy tools, of which state-owned commercial banks are the key drivers; (iii) state-owned commercial banks have stable and cheap funding sources, which create the good base for expanding credit with cheap interest rates. Second, asset size does not have any impact on credit growth. Credit growth rates are determined by the bank’s overall performance and maximum growth rate set by State Bank of Vietnam, not on assets. Third, the other bank-specific factors are statistically significant with credit growth, of which liquidity and ROA have the strongest influences. Recommendations for better credit growth management of commercial banks include: (i) State Bank of Vietnam and the Government to ensure soundness of the banking system, including applying the Basel II requirements to all banks; and establish more support packages in order to boost the lending activities of privately-owned banks. (ii) Commercial banks to reduce its non-performing loans in order to stimulate the growth in lending. Keywords: bank liquidity, bank ownership, credit growth, non-performing loans, ROA.

scholarly journals Information and Computer Technology (ICT) in Indian Banking System after Computerization

2020 ◽  
Vol 8 (4S) ◽  
pp. 62-64
Keyword(s):  
Growth Rate ◽  
Computer Technology ◽  
Banking Sector ◽  
Banking System ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Great Change ◽  
Maximum Profit ◽  
Information And Computer Technology ◽  
Economy System

In Indian economy system, banking sector has an important role and after computerization, there is a great change came in it. In India, Now there are a lot of branches of banks. At present, banking sectors face a tough competition. Maximum growth rate are shown by those banks which have maximum profit. By the use of various technologies, banks cost may become minimum and profit may become maximum. In this manuscript, the effect has been studied on the banks after computerization. The effects are analyzed after use of information and computer technology in Indian banking systems after computerization. The selected banks for this study are SBI, PNB and UBI.

scholarly journals Quantitative Easing in Accelerating the Economic Growth Rate – Indian Perspective

2019 ◽  
Vol 8 (12) ◽  
pp. 492-495
Keyword(s):  
Economic Growth ◽  
Growth Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Quantitative Easing ◽  
Indian Economy ◽  
Reserve Bank ◽  
The Government ◽  
To Come ◽  
Reserve Bank Of India

The present situation of Indian economy is worse. The GDP growth rate is 5% which is very low compared to last five years trend. After a record fell down of short-term interest rates of commercial banks (below one percent), the Reserve bank of India has turned to quantitative easing (QE) to hold up economic growth. It is used by the government to amplify the supply of money in the economy. It leads to an increase in lending by commercial banks and spending by customers subsequently. On the other hand, these policies will boomerang greatly on economy and leads to extraordinarily high levels of inflation. If commercial banks fail to afford excess reserves, it may direct to unhinge in the money market. Simply it jeopardizes the entire economic system. To come out from this, Reserve Bank of India injects a fixed quantity of money into the economy by massive and unprecedented purchasing of financial assets from commercial banks and private entities. This leads to an increase in banks reserves. Quantitative easing is not a new word to the economic world; it is most popular from the times of great recession in US economy. There has been an explode of research on QE and its effects. Past studies tremendously agree that QE helps in ease financial conditions and there is no reason to doubt that it supports economic growth. It is not only very powerful in times of financial crisis, but also has a momentous effect in normal times. By and large, this research paper focuses on finding the reasons behind the slowdown of growth rate of Indian economy and provides the likely solutions to come out from the crisis.

scholarly journals Relevance of Quantitative Easing Model to Heal the Sick Indian Economy

2019 ◽  
Vol 8 (3) ◽  
pp. 7555-7558
Keyword(s):  
Economic Growth ◽  
Growth Rate ◽  
Interest Rates ◽  
Commercial Banks ◽  
Quantitative Easing ◽  
Indian Economy ◽  
Reserve Bank ◽  
The Government ◽  
To Come ◽  
Reserve Bank Of India

The present situation of Indian economy is worse. The GDP growth rate is 5% which is very low compared to last five years trend. After a record fell down of short-term interest rates of commercial banks (below one percent), the Reserve bank of India has turned to quantitative easing (QE) to hold up economic growth. It is used by the government to amplify the supply of money in the economy. It leads to an increase in lending by commercial banks and spending by customers subsequently. On the other hand, these policies will boomerang greatly on economy and leads to extraordinarily high levels of inflation. If commercial banks fail to afford excess reserves, it may direct to unhinge in the money market. Simply it jeopardizes the entire economic system. To come out from this, Reserve Bank of India injects a fixed quantity of money into the economy by massive and unprecedented purchasing of financial assets from commercial banks and private entities. This leads to an increase in banks reserves. Quantitative easing is not a new word to the economic world; it is most popular from the times of great recession in US economy. There has been an explode of research on QE and its effects. Past studies tremendously agree that QE helps in ease financial conditions and there is no reason to doubt that it supports economic growth. It is not only very powerful in times of financial crisis, but also has a momentous effect in normal times. By and large, this research paper focuses on finding the reasons behind the slowdown of growth rate of Indian economy and provides the likely solutions to come out from the crisis.

A note on growth curves of rabbit lines selected on growth rate or litter size

1993 ◽  
Vol 57 (2) ◽  
pp. 332-334 ◽  
Author(s):  
A. Blasco ◽  
E. Gómez
Keyword(s):  
Growth Rate ◽  
Litter Size ◽  
Growth Curves ◽  
Live Weight ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Standard Errors ◽  
Adult Weight ◽  
Weight Growth ◽  
Using Data

Two synthetic lines of rabbits were used in the experiment. Line V, selected on litter size, and line R, selected on growth rate. Ninety-six animals were randomly collected from 48 litters, taking a male and a female each time. Richards and Gompertz growth curves were fitted. Sexual dimorphism appeared in the line V but not in the R. Values for b and k were similar in all curves. Maximum growth rate took place in weeks 7 to 8. A break due to weaning could be observed in weeks 4 to 5. Although there is a remarkable similarity of the values of all the parameters using data from the first 20 weeks only, the higher standard errors on adult weight would make 30 weeks the preferable time to take data for live-weight growth curves.

Reassessment of Maximum Growth Rates for C3 and C4 Crops

1978 ◽  
Vol 14 (1) ◽  
pp. 1-5 ◽  
Author(s):  
J. L. Monteith
Keyword(s):  
Growth Rate ◽  
Growth Rates ◽  
Growing Season ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Crop Growth ◽  
Close Inspection ◽  
Similar Difference ◽  
Photosynthetic Efficiencies

SUMMARYFigures for maximum crop growth rates, reviewed by Gifford (1974), suggest that the productivity of C3 and C4 species is almost indistinguishable. However, close inspection of these figures at source and correspondence with several authors revealed a number of errors. When all unreliable figures were discarded, the maximum growth rate for C3 stands fell in the range 34–39 g m−2 d−1 compared with 50–54 g m−2 d−1 for C4 stands. Maximum growth rates averaged over the whole growing season showed a similar difference: 13 g m−2 d−1 for C3 and 22 g m−2 d−1 for C4. These figures correspond to photosynthetic efficiencies of approximately 1·4 and 2·0%.

Interpretation of Experimental Data with Regard to the Activated Sludge Model No.1 and Calibration of the Model for Municipal Wastewater Treatment Plants

1992 ◽  
Vol 25 (6) ◽  
pp. 167-183 ◽  
Author(s):  
H. Siegrist ◽  
M. Tschui
Keyword(s):  
Experimental Data ◽  
Growth Rate ◽  
Activated Sludge ◽  
Municipal Wastewater ◽  
Wastewater Treatment Plants ◽  
Treatment Plant ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Municipal Wastewater Treatment ◽  
Activated Sludge Model

The wastewater of the municipal treatment plants Zürich-Werdhölzli (350000 population equivalents), Zürich-Glatt (110000), and Wattwil (20000) have been characterized with regard to the activated sludge model Nr.1 of the IAWPRC task group. Zürich-Glatt and Wattwil are partly nitrifying treatment plants and Zürich-Werdhölzli is fully nitrifying. The mixing characteristics of the aeration tanks at Werdhölzli and Glatt were determined with sodium bromide as a tracer. The experimental data were used to calibrate hydrolysis, heterotrophic growth and nitrification. Problems arising by calibrating hydrolysis of the paniculate material and by measuring oxygen consumption of heterotrophic and nitrifying microorganisms are discussed. For hydrolysis the experimental data indicate first-order kinetics. For nitrification a maximum growth rate of 0.40±0.07 d−1, corresponding to an observed growth rate of 0.26±0.04 d−1 was calculated at 10°C. The half velocity constant found for 12 and 20°C was 2 mg NH4-N/l. The calibrated model was verified with experimental dam of me Zürich-Werdhölzli treatment plant during ammonia shock load.

Dietary Protein Requirements of Fishes — A Reassessment

1987 ◽  
Vol 44 (11) ◽  
pp. 1995-2001 ◽  
Author(s):  
Stephen H. Bowen
Keyword(s):  
Growth Rate ◽  
Dietary Protein ◽  
Protein Concentration ◽  
Trophic Ecology ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Intake Rate ◽  
Protein Requirement ◽  
Fish Physiology ◽  
Protein Retention

It is widely believed that fishes require more dietary protein than other vertebrates. Many aspects of fish physiology, nutrition, and trophic ecology have been interpreted within the context of this high protein requirement. Here, fishes are compared with terrestrial homeotherms in terms of (1) protein requirement for maintenance, (2) relative protein concentration in the diet required for maximum growth rate, (3) protein intake rate required for maximum growth rate, (4) efficiency of protein retention in growth, and (5) weight of growth achieved per weight of protein ingested. The two animal groups compared differ only in relative protein concentration in the diet required for maximum growth rate. This difference is explained in terms of homeotherms' greater requirement for energy and does not reflect absolute differences in protein requirement. The remaining measures of protein requirement suggest that fishes and terrestrial homeotherms are remarkably similar in their use of protein as a nutritional resource. Reinterpretation of the role of protein in fish physiology, nutrition, and trophic ecology is perhaps in order.

Allometric scaling and taxonomic variation in nutrient utilization traits and maximum growth rate of phytoplankton

2012 ◽  
Vol 57 (2) ◽  
pp. 554-566 ◽  
Author(s):  
Kyle F. Edwards ◽  
Mridul K. Thomas ◽  
Christopher A. Klausmeier ◽  
Elena Litchman
Keyword(s):  
Growth Rate ◽  
Allometric Scaling ◽  
Maximum Growth ◽  
Nutrient Utilization ◽  
Maximum Growth Rate

Instability waves on the air–sea interface

1993 ◽  
Vol 248 ◽  
pp. 363-381 ◽  
Author(s):  
G. H. Wheless ◽  
G. T. Csanady
Keyword(s):  
Surface Tension ◽  
Growth Rate ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Surface Velocity ◽  
Instability Waves ◽  
Interface Surface ◽  
Fluid Properties ◽  
Compound Matrix Method ◽  
Order Of Magnitude

We used a compound matrix method to integrate the Orr–Sommerfeld equation in an investigation of short instability waves (λ < 6 cm) on the coupled shear flow at the air–sea interface under suddenly imposed wind (a gust model). The method is robust and fast, so that the effects of external variables on growth rate could easily be explored. As expected from past theoretical studies, the growth rate proved sensitive to air and water viscosity, and to the curvature of the air velocity profile very close to the interface. Surface tension had less influence, growth rate increasing somewhat with decreasing surface tension. Maximum growth rate and minimum wave speed nearly coincided for some combinations of fluid properties, but not for others.The most important new finding is that, contrary to some past order of magnitude estimates made on theoretical grounds, the eigenfunctions at these short wavelengths are confined to a distance of the order of the viscous wave boundary-layer thickness from the interface. Correspondingly, the perturbation vorticity is high, the streamwise surface velocity perturbation in typical cases being five times the orbital velocity of free waves on an undisturbed water surface. The instability waves should therefore be thought of as fundamentally different flow structures from free waves: given their high vorticity, they are akin to incipient turbulent eddies. They may also be expected to break at a much lower steepness than free waves.

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