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Article history: Received November 26 2019 Received in revised format November 28 2019 Accepted January 2 2020 Available online January 5 2020 Profit always be the top priority of banking operation over the years. Commercial banks maximize the net interest margin by charging more interests to the borrowers and offering lower interests to the depositors. Their aggressive lending strategies can sometimes result in credit risk, moral hazard and non-performing loans. Some studies found that non-performing loans have negative impact on the bank’s profitability; some argued otherwise. This paper aims at investigating the impact of non-performing loans on the ability to make profit of Vietnamese commercial banks in the period of 2008 to 2017 and draws a conclusion as well as recommendations to mitigate the risk. by the authors; licensee Growing Science, Canada 20 © 20

The effect of non-performing loans on profitability of commercial banks: Case of Vietnam