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VOL. 8, ISSUE 1 (2026)
Solutions to enhance financial capacity at Nam a Commercial Joint Stock Bank
Authors
Dr. Nguyen Thi Ngoc Diem, Tran Thi Thu Trinh
Abstract
This study focuses on assessing the financial
capacity of a commercial bank through key indicator groups related to capital,
income, profitability, asset quality, and liquidity, using Nam A Commercial
Joint Stock Bank (Nam A Bank) as a case study. Based on an analysis and
comparison of Nam A Bank’s financial capacity with several peer joint-stock
commercial banks of similar size during the period 2019 - 2024, the study
identifies both the strengths and weaknesses of Nam A Bank’s financial
performance. The results indicate that Nam A Bank has recorded notable
improvements, particularly in capital adequacy, profitability efficiency, and
asset quality. However, the bank continues to face several constraints,
including relatively limited capital scale compared with competitors, high
dependence on credit activities, cost efficiency challenges, liquidity reserve
levels, and especially interest rate risk. These findings provide an important
foundation for proposing solutions to enhance Nam A Bank’s financial capacity
in the context of digital transformation.
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Pages:26-34
How to cite this article:
Dr. Nguyen Thi Ngoc Diem, Tran Thi Thu Trinh "Solutions to enhance financial capacity at Nam a Commercial Joint Stock Bank". International Journal of Management and Commerce, Vol 8, Issue 1, 2026, Pages 26-34
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