{"id":15947,"date":"2026-05-20T10:40:01","date_gmt":"2026-05-20T03:40:01","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/20\/loi-nhuan-tich-luy-cua-ngan-hang-va-bai-toan-can-doi-nguon-von\/"},"modified":"2026-05-20T10:40:01","modified_gmt":"2026-05-20T03:40:01","slug":"loi-nhuan-tich-luy-cua-ngan-hang-va-bai-toan-can-doi-nguon-von","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/20\/loi-nhuan-tich-luy-cua-ngan-hang-va-bai-toan-can-doi-nguon-von\/","title":{"rendered":"L\u1ee3i nhu\u1eadn t\u00edch l\u0169y c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 b\u00e0i to\u00e1n c\u00e2n \u0111\u1ed1i ngu\u1ed3n v\u1ed1n"},"content":{"rendered":"
\n

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang s\u1edf h\u1eefu kh\u1ed1i l\u1ee3i nhu\u1eadn t\u00edch l\u0169y l\u00ean t\u1edbi g\u1ea7n 550.000 t\u1ef7 \u0111\u1ed3ng, kh\u1eb3ng \u0111\u1ecbnh m\u1ed9t “b\u1ed9 \u0111\u1ec7m v\u1ed1n” v\u1eefng ch\u1eafc trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng. Vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t ngu\u1ed3n l\u1ee3i nhu\u1eadn ch\u01b0a ph\u00e2n ph\u1ed1i d\u1ed3i d\u00e0o kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 con s\u1ed1 n\u1eb1m tr\u00ean b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n, m\u00e0 c\u00f2n l\u00e0 th\u01b0\u1edbc \u0111o n\u0103ng l\u1ef1c t\u1ef1 ch\u1ee7 v\u00e0 d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a t\u1eebng nh\u00e0 b\u0103ng. Trong khi \u00e1p l\u1ef1c sinh t\u1ed3n t\u1ea1i c\u00e1c ng\u00e0nh s\u1ea3n xu\u1ea5t, \u0111i\u1ec3n h\u00ecnh nh\u01b0 \u00e1p l\u1ef1c sinh t\u1ed3n trong ng\u00e0nh xe \u0111i\u1ec7n khi\u1ebfn c\u00e1c CEO ph\u1ea3i thay \u0111\u1ed5i<\/a>, bu\u1ed9c doanh nghi\u1ec7p ph\u1ea3i xoay x\u1edf v\u1edbi b\u00e0i to\u00e1n d\u00f2ng ti\u1ec1n th\u00ec \u1edf kh\u1ed1i ng\u00e2n h\u00e0ng, s\u1ef1 t\u00edch l\u0169y n\u00e0y l\u1ea1i tr\u1edf th\u00e0nh n\u1ec1n t\u1ea3ng \u0111\u1ec3 c\u1ee7ng c\u1ed1 s\u1ee9c m\u1ea1nh n\u1ed9i t\u1ea1i.<\/p>\n

\n \"L\u1ee3i
\u1ea2nh t\u1eeb ngu\u1ed3n: cafebiz.vn<\/em><\/figcaption><\/figure>\n

B\u1ea3n ch\u1ea5t c\u1ee7a l\u1ee3i nhu\u1eadn t\u00edch l\u0169y trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng<\/h2>\n

Th\u1ed1ng k\u00ea t\u1eeb b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a 27 ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft cho th\u1ea5y con s\u1ed1 l\u1ee3i nhu\u1eadn ch\u01b0a ph\u00e2n ph\u1ed1i l\u0169y k\u1ebf \u0111\u00e3 ch\u1ea1m ng\u01b0\u1ee1ng 547.198 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 15% so v\u1edbi cu\u1ed1i n\u0103m 2025. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 ph\u1ea7n “c\u1ee7a \u0111\u1ec3 d\u00e0nh” sau nh\u1eefng n\u0103m th\u00e1ng kinh doanh hi\u1ec7u qu\u1ea3, m\u00e0 c\u00f2n l\u00e0 ngu\u1ed3n l\u1ef1c \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng b\u1ed5 sung v\u1ed1n \u0111i\u1ec1u l\u1ec7, \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n an to\u00e0n v\u1ed1n kh\u1eaft khe theo chu\u1ea9n Basel. Nh\u00ecn s\u00e2u v\u00e0o b\u1ea3n ch\u1ea5t, vi\u1ec7c gi\u1eef l\u1ea1i l\u1ee3i nhu\u1eadn cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong vi\u1ec7c m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng ho\u1eb7c x\u1eed l\u00fd c\u00e1c r\u1ee7i ro ph\u00e1t sinh, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1ch m\u1ed9t qu\u1ed1c gia ph\u1ea3i t\u00ednh to\u00e1n b\u00e0i to\u00e1n c\u00e2n \u0111\u1ed1i ng\u00e2n s\u00e1ch qu\u1ed1c gia<\/a> \u0111\u1ec3 duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh b\u1ec1n v\u1eefng.<\/p>\n

Vietcombank v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong chi\u1ebfn l\u01b0\u1ee3c v\u1ed1n<\/h2>\n

Vietcombank ti\u1ebfp t\u1ee5c kh\u1eb3ng \u0111\u1ecbnh vai tr\u00f2 “anh c\u1ea3” v\u1edbi quy m\u00f4 l\u1ee3i nhu\u1eadn ch\u01b0a ph\u00e2n ph\u1ed1i l\u00ean t\u1edbi 97.279 t\u1ef7 \u0111\u1ed3ng t\u00ednh \u0111\u1ebfn cu\u1ed1i qu\u00fd I\/2026. M\u1eb7c d\u00f9 li\u00ean t\u1ee5c duy tr\u00ec hi\u1ec7u qu\u1ea3 kinh doanh cao nh\u1ea5t h\u1ec7 th\u1ed1ng, ng\u00e2n h\u00e0ng n\u00e0y v\u1eabn gi\u1eef ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c th\u1eadn tr\u1ecdng. Ch\u00ednh s\u1ef1 th\u1eadn tr\u1ecdng n\u00e0y \u0111\u00e3 t\u1ea1o n\u00ean m\u1ed9t “b\u1ed9 \u0111\u1ec7m v\u1ed1n” d\u00e0y \u0111\u1eb7c, gi\u00fap Vietcombank kh\u00f4ng ch\u1ec9 \u0111\u1ee9ng v\u1eefng tr\u01b0\u1edbc nh\u1eefng bi\u1ebfn s\u1ed1 th\u1ecb tr\u01b0\u1eddng m\u00e0 c\u00f2n c\u00f3 d\u01b0 \u0111\u1ecba l\u1edbn \u0111\u1ec3 th\u1ef1c thi c\u00e1c k\u1ebf ho\u1ea1ch t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 trong t\u01b0\u01a1ng lai. Kho\u1ea3ng c\u00e1ch gi\u1eefa Vietcombank v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb b\u00e1m \u0111u\u1ed5i v\u1eabn l\u00e0 m\u1ed9t minh ch\u1ee9ng r\u00f5 n\u00e9t cho chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb r\u1ee7i ro g\u1eafn li\u1ec1n v\u1edbi t\u0103ng tr\u01b0\u1edfng th\u1eadn tr\u1ecdng.<\/p>\n

S\u1ef1 ph\u00e2n h\u00f3a trong ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/h2>\n

N\u1ebfu Vietcombank \u0111\u1ea1i di\u1ec7n cho s\u1ef1 t\u00edch l\u0169y th\u1eadn tr\u1ecdng, th\u00ec Techcombank l\u1ea1i mang \u0111\u1ebfn m\u1ed9t g\u00f3c nh\u00ecn kh\u00e1c v\u1edbi k\u1ebf ho\u1ea1ch chi tr\u1ea3 c\u1ed5 t\u1ee9c l\u00ean t\u1edbi 67% trong n\u0103m 2026. \u0110\u00e2y l\u00e0 m\u1ee9c chi tr\u1ea3 cao nh\u1ea5t to\u00e0n ng\u00e0nh, k\u1ebft h\u1ee3p c\u1ea3 ti\u1ec1n m\u1eb7t v\u00e0 c\u1ed5 phi\u1ebfu. Vi\u1ec7c th\u1ef1c hi\u1ec7n k\u1ebf ho\u1ea1ch n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kho l\u1ee3i nhu\u1eadn t\u00edch l\u0169y c\u1ee7a Techcombank s\u1ebd gi\u1ea3m xu\u1ed1ng \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 \u0111\u1ed5i l\u1ea1i s\u1ef1 gia t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 l\u00ean m\u1ee9c h\u01a1n 113.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u00e2y l\u00e0 n\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c nh\u1eb1m t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c th\u1ef1c thi c\u00e1c m\u1ee5c ti\u00eau kinh doanh l\u1edbn h\u01a1n trong t\u01b0\u01a1ng lai.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 VietinBank v\u1edbi 67.132 t\u1ef7 \u0111\u1ed3ng, VPBank v\u1edbi 52.158 t\u1ef7 \u0111\u1ed3ng v\u00e0 BIDV v\u1edbi 51.588 t\u1ef7 \u0111\u1ed3ng c\u0169ng \u0111ang duy tr\u00ec quy m\u00f4 l\u1ee3i nhu\u1eadn gi\u1eef l\u1ea1i v\u01b0\u1ee3t m\u1ed1c 50.000 t\u1ef7 \u0111\u1ed3ng. \u0110\u00e1ng ch\u00fa \u00fd, MB ghi nh\u1eadn t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng v\u1edbi 23% ch\u1ec9 trong m\u1ed9t qu\u00fd, \u0111\u1ea1t m\u1ee9c 40.061 t\u1ef7 \u0111\u1ed3ng. S\u1ef1 linh ho\u1ea1t trong ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c, v\u1edbi c\u00e1c t\u1ef7 l\u1ec7 chi tr\u1ea3 t\u1eeb 16% \u0111\u1ebfn 30% t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nh\u01b0 LPBank, ACB hay TPBank, cho th\u1ea5y m\u1ed9t xu h\u01b0\u1edbng chung: c\u00e1c ng\u00e2n h\u00e0ng \u0111ang n\u1ed7 l\u1ef1c c\u00e2n b\u1eb1ng gi\u1eefa quy\u1ec1n l\u1ee3i c\u1ed5 \u0111\u00f4ng v\u00e0 nhu c\u1ea7u gi\u1eef l\u1ea1i ngu\u1ed3n l\u1ef1c \u0111\u1ec3 gia t\u0103ng quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

Nh\u00ecn v\u00e0o b\u1ee9c tranh t\u1ed5ng th\u1ec3, vi\u1ec7c qu\u1ea3n tr\u1ecb kh\u1ed1i l\u1ee3i nhu\u1eadn t\u00edch l\u0169y g\u1ea7n 550.000 t\u1ef7 \u0111\u1ed3ng n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 c\u00e2u chuy\u1ec7n n\u1ed9i b\u1ed9 c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n ph\u1ea3n \u00e1nh n\u0103ng l\u1ef1c d\u1ef1 b\u00e1o v\u00e0 th\u00edch \u1ee9ng c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh tr\u01b0\u1edbc nh\u1eefng \u00e1p l\u1ef1c chung c\u1ee7a n\u1ec1n kinh t\u1ebf. M\u1ed7i quy\u1ebft \u0111\u1ecbnh chia c\u1ed5 t\u1ee9c hay gi\u1eef l\u1ea1i v\u1ed1n \u0111\u1ec1u l\u00e0 nh\u1eefng qu\u00e2n c\u1edd quan tr\u1ecdng tr\u00ean b\u00e0n c\u1edd t\u00e0i ch\u00ednh, quy\u1ebft \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ee7a c\u00e1c nh\u00e0 b\u0103ng trong giai \u0111o\u1ea1n t\u1edbi.<\/p>\n

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

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang s\u1edf h\u1eefu kh\u1ed1i l\u1ee3i nhu\u1eadn t\u00edch l\u0169y l\u00ean t\u1edbi g\u1ea7n 550.000 t\u1ef7 \u0111\u1ed3ng, kh\u1eb3ng \u0111\u1ecbnh m\u1ed9t “b\u1ed9 \u0111\u1ec7m v\u1ed1n” v\u1eefng ch\u1eafc trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng. Vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t ngu\u1ed3n l\u1ee3i nhu\u1eadn ch\u01b0a ph\u00e2n ph\u1ed1i d\u1ed3i d\u00e0o kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 con […]<\/p>\n","protected":false},"author":1,"featured_media":15945,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-15947","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\/15947","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=15947"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/15947\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/15945"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=15947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=15947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=15947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}