Balancing bank profits and nonperforming loans: a multiple objective programming approach

The recent operations research literature has witnessed an increasing trend of studies on banking efficiency, whereas nonperforming loans (NPLs) are often treated as undesirable output. A trending approach is to decompose the bank production into different processes or departments in charge of diffe...

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Vydáno v:	Annals of operations research Ročník 346; číslo 2; s. 839 - 860
Hlavní autoři:	Boubaker, Sabri, Le, Tu D. Q., Manita, Riadh, Ngo, Thanh
Médium:	Journal Article
Jazyk:	angličtina
Vydáno:	New York Springer US 01.03.2025 Springer Nature B.V
Témata:	Balancing Banks Business and Management Combinatorics Data envelopment analysis Decomposition Loans Maximization Nonperforming loans Operations Research/Decision Theory Optimization Original Research Profit maximization Profits Risk management Theory of Computation Non-performing loans minimization C24 Profit maximization G21 Data envelopment analysis (DEA) Multiple objective programming (MOP) L21 Vietnamese banks C61
ISSN:	0254-5330, 1572-9338
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Abstract	The recent operations research literature has witnessed an increasing trend of studies on banking efficiency, whereas nonperforming loans (NPLs) are often treated as undesirable output. A trending approach is to decompose the bank production into different processes or departments in charge of different inputs and outputs under the so-called network data envelopment analysis, in which a loan production department oversees both good and bad loans. This paper proposes a novel way to decompose the bank into two departments: one oversees profit maximization, and the other monitors NPLs minimization, making the bank’s main function multiple objective programming (MOP). We applied a MOP approach to examine the departmental and overall performance of 30 Vietnamese banks during 2019‒2021 and understand the factors that influence their performance. We found that the banks had their profit maximization performance improved. Still, NPLs minimization performance deteriorated during the examined period, indicating that the bad loans issue remains a threat to the industry. As such, balancing profits and NPLs is increasingly important for Vietnamese banks, with a focus on their risk management i.e., regarding the NPLs.
AbstractList	The recent operations research literature has witnessed an increasing trend of studies on banking efficiency, whereas nonperforming loans (NPLs) are often treated as undesirable output. A trending approach is to decompose the bank production into different processes or departments in charge of different inputs and outputs under the so-called network data envelopment analysis, in which a loan production department oversees both good and bad loans. This paper proposes a novel way to decompose the bank into two departments: one oversees profit maximization, and the other monitors NPLs minimization, making the bank’s main function multiple objective programming (MOP). We applied a MOP approach to examine the departmental and overall performance of 30 Vietnamese banks during 2019‒2021 and understand the factors that influence their performance. We found that the banks had their profit maximization performance improved. Still, NPLs minimization performance deteriorated during the examined period, indicating that the bad loans issue remains a threat to the industry. As such, balancing profits and NPLs is increasingly important for Vietnamese banks, with a focus on their risk management i.e., regarding the NPLs.
Author	Ngo, Thanh Boubaker, Sabri Manita, Riadh Le, Tu D. Q.
Author_xml	– sequence: 1 givenname: Sabri surname: Boubaker fullname: Boubaker, Sabri organization: EM Normandie Business School, Métis Lab, International School, Vietnam National University, Swansea University – sequence: 2 givenname: Tu D. Q. orcidid: 0000-0002-5629-5288 surname: Le fullname: Le, Tu D. Q. email: tuldq@uel.edu.vn organization: University of Economics and Law, Vietnam National University – sequence: 3 givenname: Riadh surname: Manita fullname: Manita, Riadh organization: NEOMA Business School – sequence: 4 givenname: Thanh surname: Ngo fullname: Ngo, Thanh organization: School of Aviation, Massey University, VNU University of Economics and Business
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Keywords	Non-performing loans minimization C24 Profit maximization G21 Data envelopment analysis (DEA) Multiple objective programming (MOP) L21 Vietnamese banks C61
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Snippet	The recent operations research literature has witnessed an increasing trend of studies on banking efficiency, whereas nonperforming loans (NPLs) are often...
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SubjectTerms	Balancing Banks Business and Management Combinatorics Data envelopment analysis Decomposition Loans Maximization Nonperforming loans Operations Research/Decision Theory Optimization Original Research Profit maximization Profits Risk management Theory of Computation
Title	Balancing bank profits and nonperforming loans: a multiple objective programming approach
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