摘要： The study sheds light on the impacts of income diversification on risks of the Vietnamese banking industry. By analyzing a broad set of 32 local commercial banks during the period from 2005 to 2012, we find the evidence that bank with high non-interest income present lower risk than those with mainly interest income. Considering size effects, the results are also mostly accurate for large banks. However, for small banks, the impacts of income diversification are not confirmed clearly. In addition, the paper investigates two samples: listed and unlisted banks. The results also indicate the positive effects of the diversification on banking risks of these categories.
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