Do Bank Funding Diversity and Bank Lending Affect Net Interest Margins? Evidence From Asia Markets Before and During the Covid-19 Pandemic

Autor:	Khoa Dang Duong, Hoi Vu Le, Duy Nhat Vu, Ai Ngoc Nhan Le
Jazyk:	angličtina
Rok vydání:	2023
Předmět:	History of scholarship and learning. The humanities AZ20-999 Social Sciences
Zdroj:	SAGE Open, Vol 13 (2023)
Druh dokumentu:	article
ISSN:	2158-2440 21582440
DOI:	10.1177/21582440231214044
Popis:	This paper investigates how bank funding diversity and lending affect bank performance, especially during the Covid-19 pandemic. We employ the Generalized Method of Moments to analyze unbalanced panels of commercial banks in China, Taiwan, and Vietnam. The empirical results show that a percentage increase in bank funding diversity and bank lending in the sample negatively affects profitability. In contrast, the results are mixed in each country due to different market microstructures. While holding diversified funding strengthens bank profitability during the pandemic, increasing lending activities dampers the bank’s performance. Finally, this research has important implications for bank managers and regulators to develop sustainable banking performance in emerging markets, especially during pandemics.
Databáze:	Directory of Open Access Journals
Externí odkaz:	https://doaj.org/article/590eb4a4dbf748f4aaa030640d73d4da Zobrazit plný text záznamu View record in DOAJ Plný text ve formátu PDF Plný text ve formátu HTML
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