The article examines how the amount of money banks have affects how much profit they make in Vietnam. They looked at data from 22 banks over 8 years. They found that when banks have more money, they tend to make more profit. Also, banks with lower levels of bad loans and more income from things other than interest tend to be more profitable. Interestingly, smaller banks benefit more from having more money than larger banks. The study suggests that it's important for banks to have enough money and for the government to keep an eye on them to make sure they are doing well.