{"id":11916,"date":"2026-05-02T19:14:56","date_gmt":"2026-05-02T12:14:56","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/02\/ket-qua-kinh-doanh-hdbank-va-vi-the-tai-chinh-ben-vung\/"},"modified":"2026-05-02T19:14:56","modified_gmt":"2026-05-02T12:14:56","slug":"ket-qua-kinh-doanh-hdbank-va-vi-the-tai-chinh-ben-vung","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/02\/ket-qua-kinh-doanh-hdbank-va-vi-the-tai-chinh-ben-vung\/","title":{"rendered":"K\u1ebft qu\u1ea3 kinh doanh HDBank v\u00e0 v\u1ecb th\u1ebf t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng"},"content":{"rendered":"
\n

K\u1ebft qu\u1ea3 kinh doanh HDBank trong qu\u00fd 1\/2026 \u0111\u00e3 t\u00e1i kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u00f4ng qua nh\u1eefng ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh \u1ea5n t\u01b0\u1ee3ng. V\u1edbi l\u1ee3i nhu\u1eadn \u0111\u1ea1t 6.107 t\u1ef7 \u0111\u1ed3ng, \u0111i c\u00f9ng c\u00e1c h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n v\u00e0 qu\u1ea3n tr\u1ecb thanh kho\u1ea3n \u1edf ng\u01b0\u1ee1ng cao, HDBank \u0111ang cho th\u1ea5y m\u1ed9t DNA doanh nghi\u1ec7p \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp d\u1ef1a tr\u00ean s\u1ef1 th\u1eadn tr\u1ecdng v\u00e0 kh\u1ea3 n\u0103ng t\u1ed1i \u01b0u h\u00f3a ngu\u1ed3n l\u1ef1c n\u1ed9i t\u1ea1i. Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf hi\u1ec7n nay, khi m\u00e0 c\u00e1c doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u bi\u1ebfn s\u1ed1 t\u1eeb vi\u1ec7c si\u1ebft ch\u1eb7t qu\u1ea3n l\u00fd thu\u1ebf \u0111\u1ebfn r\u1ee7i ro t\u1eeb nh\u1eefng \u0111\u1ecba ch\u1ec9 ma, s\u1ef1 minh b\u1ea1ch trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c \u0111\u1ecbnh ch\u1ebf ng\u00e2n h\u00e0ng nh\u01b0 HDBank tr\u1edf th\u00e0nh \u0111i\u1ec3m t\u1ef1a quan tr\u1ecdng cho s\u1ef1 v\u1eadn h\u00e0nh \u1ed5n \u0111\u1ecbnh c\u1ee7a d\u00f2ng v\u1ed1n trong n\u1ec1n kinh t\u1ebf.<\/p>\n

\n \"K\u1ebft
\u1ea2nh t\u1eeb ngu\u1ed3n: vietnamnet.vn<\/em><\/figcaption><\/figure>\n

H\u1ec7 s\u1ed1 CAR 16,2% v\u00e0 n\u1ec1n t\u1ea3ng v\u1ed1n an to\u00e0n<\/h2>\n

Vi\u1ec7c duy tr\u00ec h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR) \u1edf m\u1ee9c 16,16% l\u00e0 m\u1ed9t minh ch\u1ee9ng r\u00f5 n\u00e9t cho chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb r\u1ee7i ro ch\u1ee7 \u0111\u1ed9ng c\u1ee7a HDBank. Trong ng\u00e0nh ng\u00e2n h\u00e0ng, CAR kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t con s\u1ed1 k\u1ef9 thu\u1eadt ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu tr\u01b0\u1edbc nh\u1eefng c\u00fa s\u1ed1c th\u1ecb tr\u01b0\u1eddng, m\u00e0 c\u00f2n l\u00e0 th\u01b0\u1edbc \u0111o cho s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh th\u1ef1c s\u1ef1 c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c. V\u1edbi ch\u1ec9 s\u1ed1 n\u00e0y, HDBank \u0111\u00e3 v\u01b0\u1ee3t xa c\u00e1c ti\u00eau chu\u1ea9n kh\u1eaft khe, t\u1ea1o ra m\u1ed9t v\u00f9ng \u0111\u1ec7m an to\u00e0n gi\u00fap ng\u00e2n h\u00e0ng t\u1ef1 tin tri\u1ec3n khai c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu \u00e1p l\u1ef1c qu\u00e1 l\u1edbn t\u1eeb nh\u1eefng thay \u0111\u1ed5i b\u1ea5t l\u1ee3i c\u1ee7a m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf v\u0129 m\u00f4. S\u1ef1 \u1ed5n \u0111\u1ecbnh n\u00e0y c\u0169ng t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi t\u01b0 duy qu\u1ea3n tr\u1ecb t\u00e0i ch\u00ednh trong c\u00e1c doanh nghi\u1ec7p l\u1edbn, n\u01a1i m\u00e0 s\u1ef1 chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 v\u1ed1n gi\u00fap h\u1ecd tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro ph\u00e1p l\u00fd hay c\u00e1c s\u1ef1 c\u1ed1 li\u00ean quan \u0111\u1ebfn t\u00ecnh tr\u1ea1ng n\u1ee3 thu\u1ebf, v\u1ed1n l\u00e0 nh\u1eefng \u0111i\u1ec3m y\u1ebfu d\u1ec5 d\u1eabn \u0111\u1ebfn r\u1ee7i ro t\u1eeb nh\u1eefng \u0111\u1ecba ch\u1ec9 ma th\u01b0\u1eddng g\u1eb7p trong th\u1eddi gian qua.<\/p>\n

Ch\u1ec9 s\u1ed1 LDR 70% v\u00e0 chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb thanh kho\u1ea3n<\/h2>\n

M\u1ed9t y\u1ebfu t\u1ed1 \u0111\u00e1ng ch\u00fa \u00fd trong b\u1ee9c tranh kinh doanh qu\u00fd \u0111\u1ea7u n\u0103m 2026 ch\u00ednh l\u00e0 t\u1ef7 l\u1ec7 d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng tr\u00ean v\u1ed1n huy \u0111\u1ed9ng (LDR) \u0111\u1ea1t m\u1ee9c 70%. Trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, vi\u1ec7c ki\u1ec3m so\u00e1t t\u1ed1t t\u1ef7 l\u1ec7 LDR kh\u00f4ng ch\u1ec9 gi\u00fap ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a d\u00f2ng ti\u1ec1n m\u00e0 c\u00f2n cho th\u1ea5y n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb thanh kho\u1ea3n c\u1ef1c k\u1ef3 hi\u1ec7u qu\u1ea3. Khi d\u00f2ng ti\u1ec1n to\u00e0n c\u1ea7u d\u1ecbch chuy\u1ec3n m\u1ea1nh m\u1ebd t\u1eeb c\u00e1c k\u00eanh truy\u1ec1n th\u1ed1ng nh\u01b0 d\u1ea7u m\u1ecf sang l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 nh\u01b0 chip b\u00e1n d\u1eabn, s\u1ef1 linh ho\u1ea1t trong c\u1ea5u tr\u00fac b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n tr\u1edf th\u00e0nh ch\u00eca kh\u00f3a \u0111\u1ec3 ng\u00e2n h\u00e0ng th\u00edch nghi v\u1edbi k\u1ef7 nguy\u00ean m\u1edbi. HDBank \u0111\u00e3 ch\u1ecdn con \u0111\u01b0\u1eddng qu\u1ea3n tr\u1ecb b\u1ec1n v\u1eefng, n\u01a1i m\u00e0 m\u1ed7i \u0111\u1ed3ng v\u1ed1n huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u00fang m\u1ee5c ti\u00eau, \u0111\u1ea3m b\u1ea3o t\u00ednh thanh kho\u1ea3n cao nh\u1ea5t ngay c\u1ea3 khi c\u00e1c ng\u00e0nh ngh\u1ec1 s\u1ea3n xu\u1ea5t \u0111ang trong qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac ho\u1eb7c chu\u1ea9n b\u1ecb cho c\u00e1c b\u01b0\u1edbc ngo\u1eb7t l\u1edbn, v\u00ed d\u1ee5 nh\u01b0 s\u1ef1 chuy\u1ec3n d\u1ecbch n\u0103ng l\u01b0\u1ee3ng th\u00f4ng qua vi\u1ec7c b\u00e1n x\u0103ng E10 tr\u00ean to\u00e0n qu\u1ed1c.<\/p>\n

\u0110\u00e1nh gi\u00e1 t\u1eeb Moody\u2019s v\u00e0 t\u1ea7m nh\u00ecn qu\u1ea3n tr\u1ecb<\/h2>\n

Vi\u1ec7c Moody\u2019s \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 t\u00edch c\u1ef1c \u0111\u1ed1i v\u1edbi HDBank l\u00e0 m\u1ed9t k\u1ebft qu\u1ea3 t\u1ea5t y\u1ebfu t\u1eeb chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1eadn tr\u1ecdng nh\u01b0ng v\u1eabn duy tr\u00ec \u0111\u01b0\u1ee3c t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao. V\u1edbi ROE \u0111\u1ea1t 24,29%, ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 ch\u1ee9ng minh kh\u1ea3 n\u0103ng t\u1ea1o ra l\u1ee3i nhu\u1eadn xu\u1ea5t s\u1eafc tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu m\u00e0 c\u00f2n kh\u1eb3ng \u0111\u1ecbnh s\u1ef1 hi\u1ec7u qu\u1ea3 trong vi\u1ec7c v\u1eadn h\u00e0nh b\u1ed9 m\u00e1y. Nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, s\u1ef1 th\u00e0nh c\u00f4ng n\u00e0y kh\u00f4ng \u0111\u1ebfn t\u1eeb c\u00e1c gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf, m\u00e0 l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb r\u1ee7i ro ch\u1eb7t ch\u1ebd ngay t\u1eeb nh\u1eefng kh\u00e2u ki\u1ec3m so\u00e1t \u0111\u1ea7u v\u00e0o. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb, k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 1 c\u1ee7a HDBank ch\u00ednh l\u00e0 b\u00e0i h\u1ecdc v\u1ec1 vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t \u201cboardroom\u201d v\u1eefng ch\u00e3i, n\u01a1i c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf v\u00e0 m\u1ed9t t\u1ea7m nh\u00ecn d\u00e0i h\u1ea1n, kh\u00f4ng b\u1ecb chao \u0111\u1ea3o tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn \u0111\u1ed9ng nh\u1ea5t th\u1eddi c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: vietnamnet.vn<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

K\u1ebft qu\u1ea3 kinh doanh HDBank trong qu\u00fd 1\/2026 \u0111\u00e3 t\u00e1i kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u00f4ng qua nh\u1eefng ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh \u1ea5n t\u01b0\u1ee3ng. V\u1edbi l\u1ee3i nhu\u1eadn \u0111\u1ea1t 6.107 t\u1ef7 \u0111\u1ed3ng, \u0111i c\u00f9ng c\u00e1c h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n v\u00e0 qu\u1ea3n tr\u1ecb thanh kho\u1ea3n \u1edf ng\u01b0\u1ee1ng cao, HDBank \u0111ang […]<\/p>\n","protected":false},"author":1,"featured_media":11915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-11916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-doanh-nghiep-va-doanh-nhan"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=11916"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11916\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/11915"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=11916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=11916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=11916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}