FACTORS AFFECTING THE RESILIENCE OF COMMERCIAL BANKS IN VIETNAM

This study investigates the key factors that influence the resilience of commercial banks in Vietnam. In an increasingly volatile global economic landscape, resilience is a critical requirement for maintaining the stability and sustainable development of financial institutions. The research, which utilized a combination of qualitative and quantitative methods, aimed to systematize the theoretical foundation of bank resilience and identify the key factors affecting it. Data were collected from a survey of 300 individuals over a three-month period within the Vietnamese banking sector. The study employed a theoretical framework that integrated the dynamic capabilities theory and the organizational resilience paradox matrix to analyse how banks prepare for, respond to, and adapt to unexpected shocks. The findings indicate that bank resilience is a multifaceted concept, positively influenced by several factors: technological capacity and digital transformation, risk management capability, financial capacity, and organizational culture and adaptability. Based on these findings, the study provides practical recommendations to enhance the resilience of commercial banks in Vietnam, focusing on strengthening financial foundations, improving human resources, and accelerating digital transformation in a strategic and comprehensive manner.