Ha Thanh Doan

This study evaluates the capital adequacy ratio (CAR) of Vietnamese commercial banks. Simultaneously, we assessed the impact of corporate governance on the capital adequacy ratio of Vietnamese joint stock commercial banks. We used SGMM and Bayesian methods to estimate models employing data from 28 Vietnamese commercial banks between 2012 and 2023. The findings indicated that variables including previous period CAR, deposit ratio, loan loss reserve, economic growth, board size, the share of female board members and educational qualifications significantly enhance the CAR of Vietnamese commercial banks. On the other hand, CAR exhibits a negative and statistically significant correlation with bank profitability, size, leverage ratio, non-performing loans, and CPI. We have recommended many policy implications to safeguard capital inside the Vietnamese commercial banking sector based on research findings.

This study synthesized a cellulose-based aerogel from bagasse with activated carbon and tested its effectiveness for crude oil spill remediation. Scanning electron microscopy (SEM) analyzed the morphology of bagasse fibers and their integration within the aerogel. Brunauer-Emmett-Teller (BET) analysis revealed a surface area of 34.53 m²/g, a micropore volume of 0.040 cm³/g, and 96.4% porosity. The Barrett-Joyner-Halenda (BJH) plot showed predominantly mesoporous features with an average pore diameter of 28.2 Å. X-ray diffraction (XRD) indicated a crystalline structure with a 76.4% crystallinity index. Fourier-transform infrared (FTIR) spectroscopy confirmed the presence of functional groups. Thermogravimetric analysis (TGA) and differential scanning calorimetry (DSC) showed excellent thermal stability. The aerogel exhibited an oil adsorption capacity of 12.78 grams per gram in seawater, demonstrating its effectiveness in oil spill cleanup.

LLC “CPC “Business Perspectives” - publishing platform for academic journals