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<p>To tackle declining public confidence, weak institutional frameworks, and inadequate bank regulations, ASEAN policymakers implemented reforms such as explicit deposit insurance, Basel III capital requirements, enhanced market discipline, and strategic mergers. These measures raise the question of whether robust institutional quality can empower depositors to monitor bank operations and improve financial stability. This study explores depositor responses to bank risk and the moderating role of institutional quality (IQ) in depositor discipline. Using a two-step System Generalized Method of Moments (SGMM) estimator, we analyze 90 publicly listed banks in five ASEAN countries—Indonesia, the Philippines, Malaysia, Thailand, and Vietnam—during 2006–2022. The findings highlight that IQ influences deposit growth more than deposit rates and amplifies depositor sensitivity to bank risk, particularly in deposit growth. Interestingly, IQ negatively impacts deposit growth even when banks improve their risk profile and moderately increases deposit rates when financial conditions weaken. This study provides novel insights into depositor behavior and institutional dynamics in the ASEAN region, a critical but under-researched area post-financial crises.</p>

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Institutional quality, bank risk and depositor discipline in ASEAN countries

  • 期刊论文

  • 发表日期：

    2025年9月8日

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  • Liem Nguyen,
  • Son Tran,
  • Dat Nguyen

摘要

To tackle declining public confidence, weak institutional frameworks, and inadequate bank regulations, ASEAN policymakers implemented reforms such as explicit deposit insurance, Basel III capital requirements, enhanced market discipline, and strategic mergers. These measures raise the question of whether robust institutional quality can empower depositors to monitor bank operations and improve financial stability. This study explores depositor responses to bank risk and the moderating role of institutional quality (IQ) in depositor discipline. Using a two-step System Generalized Method of Moments (SGMM) estimator, we analyze 90 publicly listed banks in five ASEAN countries—Indonesia, the Philippines, Malaysia, Thailand, and Vietnam—during 2006–2022. The findings highlight that IQ influences deposit growth more than deposit rates and amplifies depositor sensitivity to bank risk, particularly in deposit growth. Interestingly, IQ negatively impacts deposit growth even when banks improve their risk profile and moderately increases deposit rates when financial conditions weaken. This study provides novel insights into depositor behavior and institutional dynamics in the ASEAN region, a critical but under-researched area post-financial crises.