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<p>This study investigates the impact of funding risk on bank stability across emerging economies in the Asia-Pacific region. Utilizing a panel dataset comprising 1,932 observations from 46 commercial banks over the period 2014–2024, the analysis employs the two-step System Generalized Method of Moments (S-GMM) estimator to address potential endogeneity concerns. The findings reveal that funding risk exerts a negative influence on bank stability, suggesting that a greater reliance on customer deposits as a primary source of funding enhances the resilience of commercial banks. Furthermore, the dummy variable representing Islamic banks (ISL) shows a negative association with bank stability, indicating that Islamic banks tend to be less stable compared to their conventional counterparts under similar operating conditions. Based on these results, the study offers policy recommendations to assist bank managers and regulators in strengthening the stability of the commercial banking sector in the region.</p>

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The effect of funding risk on commercial bank stability in emerging economies

  • 期刊论文

  • 发表日期：

    2026年4月1日

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  • Khuc The Anh,
  • Nguyen Duy Dat,
  • Bui Nam Khanh,
  • Bui Huong Giang,
  • Ton Duc Hung

摘要

This study investigates the impact of funding risk on bank stability across emerging economies in the Asia-Pacific region. Utilizing a panel dataset comprising 1,932 observations from 46 commercial banks over the period 2014–2024, the analysis employs the two-step System Generalized Method of Moments (S-GMM) estimator to address potential endogeneity concerns. The findings reveal that funding risk exerts a negative influence on bank stability, suggesting that a greater reliance on customer deposits as a primary source of funding enhances the resilience of commercial banks. Furthermore, the dummy variable representing Islamic banks (ISL) shows a negative association with bank stability, indicating that Islamic banks tend to be less stable compared to their conventional counterparts under similar operating conditions. Based on these results, the study offers policy recommendations to assist bank managers and regulators in strengthening the stability of the commercial banking sector in the region.