Liability Management at Military Commercial Joint Stock Bank

Abstract

This article is conducted to analyze the liability management framework at the Military Commercial Joint Stock Bank. Data is collected from the annual report for the period 2019-2024 of the Military Commercial Joint Stock Bank. The research results show that the liability structure of the bank is not reasonable, the proportion of items is not commensurate with the role of each item. The proportion of deposit items tends to decrease. Interest expenses tend to increase. The research proposes a number of solutions for the Military Commercial Joint Stock Bank to improve the efficiency of liability management, emphasizing the role of human resource quality, liability management model and specific mechanisms for restructuring bank liability. The research results are reference documents for Vietnamese commercial banks in identifying, controlling and responding to risks in liability management in Vietnam.

Keywords: Liability management, Liability structure, MB

DOI: 10.7176/RJFA/16-9-06

Publication date: November 30^th 2025