Abstract

This study empirically examines the impact of geographic expansion and income diversification on bank stability in Vietnam between 2006 and 2015 using the system generalized method of moments (GMM). The findings show that in general geographic expansion can enhance bank stability while income diversification per se does not. The results also indicate that state-owned commercial banks could only benefit from geographic expansion rather than from income diversification. However, foreign ownership tends to promote bank stability when pursuing both strategies. Our research has implications for bank supervisors, policy-makers, and bank managers.

中文翻译：

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地域扩张，收入多元化和银行稳定：越南的证据

摘要

这项研究使用系统广义矩（GMM）经验检验了2006年至2015年间地理区域扩张和收入多样化对越南银行稳定性的影响。研究结果表明，总体而言，地域扩张可以增强银行的稳定性，而收入多元化本身并不能。结果还表明，国有商业银行只能从地域扩张中受益，而不能从收入多元化中受益。但是，采用这两种策略时，外资所有权往往会促进银行的稳定。我们的研究对银行主管，政策制定者和银行经理有影响。