Personal profile
Research overview
Linh's research primarily focuses on bank corporate culture, deposit insurance, and financial regulation. His overarching goal is to understand how financial institutions create societal value and how regulatory frameworks, including deposit insurance schemes, influence this process.
In addition to exploring the impact of bank culture on financial intermediation, covering areas such as lending, deposit-taking, and risk management, Linh is engaged in studying the welfare implications of deposit insurance. His work examines how deposit insurance systems affect financial stability, risk-taking behaviors, and depositor protection.
Linh’s research has been published in top journals, including the Journal of International Economics, Journal of Money, Credit and Banking, Review of Corporate Finance Studies, Journal of Financial Stability, and British Journal of Management. He currently serves as the editor of the Working Paper Series for the Centre for Responsible Banking and Finance of the University of St Andrews Business School, where he is also the Director of the MSc Banking and Finance Programme.
Biography
Linh is a Senior Lecturer in Banking and Finance at the University of St Andrews Business School. He has also held a visiting position at Fordham University, New York and Chuo University, Tokyo. Before transitioning to academia, he served as Head of Treasury at Saigonbank in Vietnam. Linh holds an MA with Distinction in Banking and Finance and a PhD in Banking from Bangor University.
Research interests
Bank culture and governance
Deposit insurance and social welfare
Financial regulation
Profile Keywords
Bank culture; deposit insurance; financial regulation
Teaching activity
- FI5308 Banks, the Economy & Society
- FI5439 Corporate Financial Management
Education/Academic qualification
Doctor of Philosophy, Three Essays on Bank Efficiency, Foreign Bank Entry and Competition, Bangor University
1 Mar 2004 → 1 Dec 2007
Award Date: 1 Jul 2008
External positions
Visiting Fellow, Chuo University
14 Jul 2025 → 1 Aug 2025
Visiting Fellow, Fordham University
1 Apr 2023 → 15 Jun 2023
External Examiner, Lancaster University
1 Jan 2015 → 1 Jan 2018
Fingerprint
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Collaborations and top research areas from the last five years
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Bank business model identification, evolution and outcomes: evidence for South Africa
Wilson, J. O. S., Nguyen, L., Sobiech, A. & Kgari, L., 5 Feb 2025, (E-pub ahead of print) In: South African Journal of Economics . Early View, 26 p.Research output: Contribution to journal › Article › peer-review
Open AccessFile -
Implicit guarantees and bank stability: evidence from a quasi-natural experiment
Sobiech, A. L., Kgari, L. M., Nguyen, L. & Wilson, J. O. S., 1 May 2025, In: Journal of International Economics. 155, 104094.Research output: Contribution to journal › Article › peer-review
Open AccessFile -
Bank business model identification, evolution and outcomes: evidence for South Africa
Wilson, J. O. S., Nguyen, L., Sobiech, A. & Kgari, L., 28 Mar 2024, Pretoria: South African Reserve Bank, 59 p. (South African Reserve Bank working papers; no. WP/24/06).Research output: Working paper
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Deposit insurance and credit union earnings opacity
Rempoutsika, L. M., Chronopoulos, D., Nguyen, L. & Wilson, J. O. S., 1 Nov 2024, In: British Accounting Review. 56, 6, 15 p., 101486.Research output: Contribution to journal › Article › peer-review
Open AccessFile -
Proximity to bank headquarters and branch efficiency: evidence from mortgage lending
Lim, I., Nguyen, D. D., Nguyen, L. & Wilson, J. O. S., 28 Mar 2024, (E-pub ahead of print) In: Journal of Money, Credit and Banking. 57, 6, p. 1465-1508 44 p.Research output: Contribution to journal › Article › peer-review
Open AccessFile
Activities
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Scottish Doctoral Colloquium
Nguyen, L. (Member of organising committee)
30 Apr 2026Activity: Participating in or organising an event types › Participation in or organising a conference
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Bank Ethics and Mortgage Lending to Minorities
Nguyen, L. (Speaker)
12 Feb 2026Activity: Talk or presentation types › Invited talk
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Deposit Insurance and Bank Stability: Evidence from Africa
Nguyen, L. (Speaker)
22 Jan 2026Activity: Talk or presentation types › Invited talk
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6th Conference on Contemporary Issues in Banking
Nguyen, L. (Member of organising committee)
10 Dec 2025 → 11 Dec 2025Activity: Participating in or organising an event types › Participation in or organising a conference
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International Workshop on Climate, Finance & Sustainability
Nguyen, L. (Member of organising committee)
4 Dec 2025 → 5 Dec 2025Activity: Participating in or organising an event types › Participation in or organising a workshop, seminar, course
Press/Media
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Proximity breeds bank branch efficiency
Lim, I., Nguyen, L. H., Nguyen, L. & Wilson, J. O. S.
1/11/23
1 item of Media coverage
Press/Media: Relating to Research
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How the corporate culture of banks affects their risk-taking behaviour
Nguyen, L. H., Nguyen, L. & Sila, V.
26/06/19
1 item of Media coverage
Press/Media: Relating to Research
Impacts
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Bank business model identification, evolution and outcomes: evidence for South Africa
Wilson, J. (Participant), Nguyen, L. (Participant), Sobiech, A. (Participant) & Kgari, L. M. (Participant)
Impact: Public Policy Impact