{ "id": 74694, "date": "2026-04-22T08:58:09", "date_gmt": "2026-04-22T01:58:09", "guid": { "rendered": "https:\/\/hbbgroup.net\/giai-ma-cong-thuc-tang-truong-226-cua-techcombank\/" }, "modified": "2026-04-22T08:58:09", "modified_gmt": "2026-04-22T01:58:09", "slug": "giai-ma-cong-thuc-tang-truong-226-cua-techcombank", "status": "publish", "type": "post", "link": "https:\/\/hbbgroup.net\/en_us\/giai-ma-cong-thuc-tang-truong-226-cua-techcombank\/", "title": { "rendered": "Gi\u1ea3i m\u00e3 \u2018c\u00f4ng th\u1ee9c\u2019 t\u0103ng tr\u01b0\u1edfng 22,6% c\u1ee7a Techcombank" }, "content": { "rendered": "
\n

B\u1ea3n l\u0129nh c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng d\u1eabn d\u1eaft \u0111\u01b0\u1ee3c Techcombank kh\u1eb3ng \u0111\u1ecbnh ngay trong qu\u00fd \u0111\u1ea7u n\u0103m 2026 v\u1edbi t\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng ch\u1ea1m m\u1ed1c 13,7 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng. Con s\u1ed1 t\u0103ng tr\u01b0\u1edfng 17,8% so v\u1edbi c\u00f9ng k\u1ef3 kh\u00f4ng ch\u1ec9 cho th\u1ea5y \u0111\u00e0 b\u1ee9t ph\u00e1 \u1ed5n \u0111\u1ecbnh c\u1ee7a c\u00e1c m\u1ea3ng kinh doanh c\u1ed1t l\u00f5i m\u00e0 c\u00f2n l\u00e0 b\u1ec7 ph\u00f3ng \u0111\u01b0a l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 8,9 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng – m\u1ee9c cao k\u1ef7 l\u1ee5c trong qu\u00fd 1 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

\u0110i c\u00f9ng hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh, s\u1ee9c h\u00fat th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a Techcombank v\u00e0 h\u1ec7 sinh th\u00e1i ti\u1ebfp t\u1ee5c mang \u0111\u1ebfn nh\u1eefng gi\u00e1 tr\u1ecb v\u00e0 tr\u1ea3i nghi\u1ec7m v\u01b0\u1ee3t tr\u1ed9i cho kh\u00e1ch h\u00e0ng. \u0110\u00e1ng ch\u00fa \u00fd, “ADN s\u1ed1” ng\u00e0y c\u00e0ng th\u1ec3 hi\u1ec7n r\u00f5 n\u00e9t khi c\u00f3 t\u1edbi h\u01a1n 63% kh\u00e1ch h\u00e0ng b\u00e1n l\u1ebb m\u1edbi \u0111\u01b0\u1ee3c thu h\u00fat qua k\u00eanh tr\u1ef1c tuy\u1ebfn, minh ch\u1ee9ng cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 to\u00e0n di\u1ec7n. S\u1ef1 tin t\u01b0\u1edfng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng c\u00f2n \u0111\u01b0\u1ee3c c\u1ee5 th\u1ec3 h\u00f3a qua 1,4 t\u1ec9 giao d\u1ecbch \u0111i\u1ec7n t\u1eed, t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng 27,3% so v\u1edbi c\u00f9ng k\u1ef3. V\u1edbi th\u1ecb ph\u1ea7n \u00e1p \u0111\u1ea3o 15,8% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch \u0111\u1ebfn, Techcombank ti\u1ebfp t\u1ee5c b\u1ea3o v\u1ec7 v\u1eefng ch\u1eafc ng\u00f4i v\u01b0\u01a1ng v\u1ec1 quy m\u00f4 giao d\u1ecbch tr\u00ean k\u00eanh s\u1ed1, kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf s\u1ed1 1 v\u1ec1 digital banking.<\/p>\n

\n

\"Gi\u1ea3i<\/p>

<\/figcaption><\/figure>\n

\u00d4ng Jens Lottner<\/a> – T\u1ed5ng gi\u00e1m \u0111\u1ed1c Techcombank chia s\u1ebb: “K\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Techcombank trong qu\u00fd 1\/2026 ghi nh\u1eadn nh\u1eefng di\u1ec5n bi\u1ebfn t\u00edch c\u1ef1c trong b\u1ed1i c\u1ea3nh kinh t\u1ebf v\u0129 m\u00f4 nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng. Vi\u00ea\u0323c \u0111a da\u0323ng ho\u0301a ngu\u00f4\u0300n v\u00f4\u0301n la\u0300 m\u00f4\u0323t trong nh\u1eefng chi\u00ea\u0301n l\u01b0\u01a1\u0323c tro\u0323ng t\u00e2m khi chu\u0301ng t\u00f4i h\u01b0\u01a1\u0301ng t\u01a1\u0301i n\u00e2ng cao n\u00ea\u0300n ta\u0309ng thanh khoa\u0309n v\u01b0\u0303ng ch\u0103\u0301c, va\u0300 h\u1ed7 tr\u1ee3 cho t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng da\u0300i ha\u0323n. Ng\u00e2n h\u00e0ng c\u0169ng k\u00fd k\u1ebft th\u1ecfa thu\u1eadn t\u00e0i tr\u1ee3 tr\u1ecb gi\u00e1 200 tri\u1ec7u Euro v\u1edbi Ng\u00e2n h\u00e0ng \u0110\u1ea7u t\u01b0 ch\u00e2u \u00c2u (EIB), nh\u1eb1m m\u1edf r\u1ed9ng ngu\u1ed3n v\u1ed1n t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ef1 \u00e1n xanh, \u0111\u1ecbnh v\u1ecb vai tr\u00f2 ti\u00ean phong trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng v\u00e0 c\u1ee7ng c\u1ed1 cam k\u1ebft c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh c\u1ee7a Vi\u1ec7t Nam.<\/i><\/p>\n

D\u00f9 b\u1ea5t \u1ed5n kinh t\u1ebf to\u00e0n c\u1ea7u gia t\u0103ng, Techcombank \u0111ang \u1edf v\u1ecb th\u1ebf thu\u1eadn l\u1ee3i \u0111\u1ec3 th\u00edch \u1ee9ng v\u1edbi m\u00f4i tr\u01b0\u1eddng thay \u0111\u1ed5i v\u00e0 kh\u1edfi \u0111\u1ed9ng chi\u1ebfn l\u01b0\u1ee3c 5 n\u0103m ti\u1ebfp theo. Tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c t\u1eadp trung v\u00e0o t\u0103ng c\u01b0\u1eddng s\u1ef1 ph\u1ed1i h\u1ee3p trong h\u1ec7 sinh th\u00e1i, \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u00e0nh m\u1ed9t t\u1ed5 ch\u1ee9c d\u1ef1a tr\u00ean tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), \u0111\u1ed3ng th\u1eddi tr\u1edf th\u00e0nh \u0111\u1ed1i t\u00e1c v\u1eefng m\u1ea1nh cho s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam<\/i>“.<\/p>\n

Nh\u1eefng “\u0111\u1ed9ng l\u1ef1c” t\u0103ng tr\u01b0\u1edfng b\u1ee9t ph\u00e1 <\/b><\/h2>\n

\u0110i\u1ec3m nh\u1ea5n \u0111\u00e1ng ch\u00fa \u00fd nh\u1ea5t trong b\u1ee9c tranh t\u00e0i ch\u00ednh c\u1ee7a Techcombank \u1edf qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2026 ch\u00ednh l\u00e0 s\u1ef1 c\u1ed9ng h\u01b0\u1edfng m\u1ea1nh m\u1ebd t\u1eeb c\u00e1c d\u00f2ng thu nh\u1eadp c\u1ed1t l\u00f5i. <\/p>\n

Thu nh\u1eadp l\u00e3i thu\u1ea7n (NII) \u0111\u1ea1t 9,5 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng, t\u0103ng 14,6% so v\u1edbi c\u00f9ng k\u1ef3. M\u1eb7c d\u00f9 chi ph\u00ed v\u1ed1n gia t\u0103ng v\u00e0 c\u1ea1nh tranh huy \u0111\u1ed9ng k\u00e9o bi\u00ean l\u00e3i thu\u1ea7n (NIM) trong qu\u00fd gi\u1ea3m xu\u1ed1ng 3,1% nh\u01b0ng NIM tr\u01b0\u1ee3t 12 th\u00e1ng v\u1eabn duy tr\u00ec \u1ed5n \u0111\u1ecbnh \u1edf m\u1ee9c 3,7%.<\/p>\n

Trong khi thu nh\u1eadp l\u00e3i thu\u1ea7n duy tr\u00ec \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh, m\u1ea3ng thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 (NFI) \u0111\u00e3 th\u1ef1c s\u1ef1 b\u00f9ng n\u1ed5 khi thi\u1ebft l\u1eadp \u0111\u1ec9nh cao l\u1ecbch s\u1eed m\u1edbi v\u1edbi 3.6 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. S\u1ef1 t\u0103ng tr\u01b0\u1edfng th\u1ea7n t\u1ed1c g\u1ea7n 47% c\u1ee7a m\u1ea3ng d\u1ecbch v\u1ee5 l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n \u0111\u00e3 ch\u00edn mu\u1ed3i. <\/p>\n

Theo \u0111\u00f3, \u1edf m\u1ea3ng thanh to\u00e1n, thu t\u1eeb th\u01b0 t\u00edn d\u1ee5ng (LC), ti\u1ec1n m\u1eb7t v\u00e0 thanh to\u00e1n \u0111\u1ea1t 1,6 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng, t\u0103ng m\u1ea1nh 158,6% so v\u1edbi c\u00f9ng k\u1ef3. K\u00ea\u0301t qua\u0309 t\u00edch c\u1ef1c n\u00e0y pha\u0309n a\u0301nh xu h\u01b0\u01a1\u0301ng phu\u0323c h\u00f4\u0300i li\u00ean t\u1ee5c k\u1ec3 t\u01b0\u0300 quy\u0301 4\/2025, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi vi\u1ec7c tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i m\u1edbi v\u00e0 n\u00e2ng c\u1ea5p, c\u1ea3i ti\u1ebfn s\u1ea3n ph\u1ea9m. <\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, thu ph\u00ed d\u1ecbch v\u1ee5 th\u1ebb \u0111\u1ea1t 442,5 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 15,4% so v\u1edbi c\u00f9ng k\u1ef3, ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 t\u1eeb c\u00e1c gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u1edd v\u1eady, m\u1ea3ng th\u1ebb duy tr\u00ec m\u1ee9c \u0111\u1ed9 s\u1eed d\u1ee5ng cao khi \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p s\u00e2u v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng, t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng v\u00e0 h\u1ec7 sinh th\u00e1i \u0111\u1ed1i t\u00e1c, qua \u0111\u00f3 gia t\u0103ng chi ti\u00eau \u0111a k\u00eanh v\u00e0 t\u1ea7n su\u1ea5t giao d\u1ecbch.<\/p>\n

Kh\u00f4ng ch\u1ec9 v\u1eady, thu t\u1eeb d\u1ecbch v\u1ee5 ngo\u1ea1i h\u1ed1i \u0111\u1ea1t 349,3 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 25,4% so v\u1edbi c\u00f9ng k\u1ef3, ghi nh\u1eadn qu\u00fd t\u0103ng tr\u01b0\u1edfng th\u1ee9 b\u1ea3y li\u00ean ti\u1ebfp v\u00e0 ti\u1ebfp t\u1ee5c \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong c\u01a1 c\u1ea5u thu nh\u1eadp. <\/p>\n

\u0110\u1eb7c bi\u1ec7t, thu t\u1eeb ph\u00ed d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, bao g\u1ed3m sa\u0309n ph\u00e2\u0309m h\u1ee3p t\u00e1c b\u1ea3o hi\u1ec3m (bancassurance) v\u00e0 di\u0323ch vu\u0323 b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty con, \u0111\u1ea1t 429,2 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 103,4% so v\u1edbi c\u00f9ng k\u1ef3. Qua \u0111\u00f3, ph\u1ea3n \u00e1nh s\u1ef1 t\u0103ng t\u1ed1c m\u1ea1nh m\u1ebd c\u1ee7a m\u1ea3ng b\u1ea3o hi\u1ec3m, khi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c tri\u1ec3n khai to\u00e0n di\u1ec7n ngay t\u1eeb \u0111\u1ea7u n\u0103m 2026.<\/p>\n

Song h\u00e0nh v\u1edbi \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng doanh thu, Techcombank ti\u1ebfp t\u1ee5c duy tr\u00ec hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh v\u00e0 k\u1ef7 lu\u1eadt qu\u1ea3n tr\u1ecb r\u1ee7i ro. Chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u1edf m\u1ee9c 3,87 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng, t\u0103ng 17,8% so v\u1edbi c\u00f9ng k\u1ef3 nh\u01b0ng gi\u1ea3m 19,8% so v\u1edbi qu\u00fd tr\u01b0\u1edbc, cho th\u1ea5y n\u1ed7 l\u1ef1c ki\u1ec3m so\u00e1t chi ph\u00ed b\u00e1m s\u00e1t \u0111\u1ecbnh h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c. Nh\u1edd \u0111\u00f3, t\u1ef7 l\u1ec7 chi ph\u00ed\/thu nh\u1eadp (CIR) \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n xu\u1ed1ng c\u00f2n 28,3%.<\/p>\n

Trong khi \u0111\u00f3, chi ph\u00ed d\u1ef1 ph\u00f2ng ghi nh\u1eadn 935,3 t\u1ec9 \u0111\u1ed3ng, gi\u1ea3m 14,2% so v\u1edbi c\u00f9ng k\u1ef3. Chi ph\u00ed t\u00edn d\u1ee5ng (tr\u01b0\u1ee3t 12 th\u00e1ng) duy tr\u00ec \u1ed5n \u0111\u1ecbnh \u1edf m\u1ee9c 0,6% v\u00e0 \u1edf m\u1ee9c th\u1ea5p 0,4% sau thu h\u1ed3i t\u1eeb n\u1ee3 \u0111\u00e3 x\u1eed l\u00fd b\u1eb1ng d\u1ef1 ph\u00f2ng, ph\u1ea3n \u00e1nh ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd.<\/p>\n

\n

\"Gi\u1ea3i<\/p>

<\/figcaption><\/figure>\n

Xoay tr\u1ee5c danh m\u1ee5c: Khi s\u1ef1 th\u1eadn tr\u1ecdng \u0111i \u0111\u00f4i v\u1edbi hi\u1ec7u qu\u1ea3 <\/b><\/h2>\n

Kh\u00e9p l\u1ea1i qu\u00fd \u0111\u1ea7u n\u0103m 2026, Techcombank ti\u1ebfp t\u1ee5c kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u v\u1edbi t\u1ed5ng t\u00e0i s\u1ea3n ch\u1ea1m ng\u01b0\u1ee1ng 1,19 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng. Tr\u00ean c\u01a1 s\u1edf ng\u00e2n h\u00e0ng ri\u00eang l\u1ebb, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u0111\u1ea1t 2,89% so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

Trong h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, Techcombank \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t cu\u1ed9c “xoay tr\u1ee5c” danh m\u1ee5c \u0111\u1ea7y \u1ea5n t\u01b0\u1ee3ng. T\u00e2m \u0111i\u1ec3m c\u1ee7a s\u1ef1 ch\u00fa \u00fd \u0111\u1ed5 d\u1ed3n v\u00e0o vi\u1ec7c l\u1ea7n \u0111\u1ea7u ti\u00ean trong l\u1ecbch s\u1eed, t\u1ef7 tr\u1ecdng d\u01b0 n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng k\u00e9o gi\u1ea3m xu\u1ed1ng d\u01b0\u1edbi ng\u01b0\u1ee1ng 30% (\u0111\u1ea1t 28,9%), minh ch\u1ee9ng cho cam k\u1ebft \u0111a d\u1ea1ng h\u00f3a t\u00e0i s\u1ea3n r\u1ee7i ro v\u00e0 h\u01b0\u1edbng t\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng. <\/p>\n

Thay th\u1ebf v\u00e0o \u0111\u00f3, m\u1ea3ng b\u00e1n l\u1ebb v\u00e0 SME \u0111\u00e3 b\u1ee9t ph\u00e1 tr\u1edf th\u00e0nh “\u0111\u1ed9ng c\u01a1 k\u00e9p” th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u1edbi m\u1ee9c t\u0103ng 33% so v\u1edbi c\u00f9ng k\u1ef3 v\u00e0 t\u0103ng 6% so v\u1edbi \u0111\u1ea7u n\u0103m, \u0111\u1ea1t 395,3 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng. H\u01a1n n\u1eefa, d\u00f2ng v\u1ed1n c\u1ee7a Techcombank c\u0169ng \u0111ang ch\u1ea3y m\u1ea1nh v\u00e0o c\u00e1c huy\u1ebft m\u1ea1ch c\u1ee7a n\u1ec1n kinh t\u1ebf khi d\u01b0 n\u1ee3 l\u0129nh v\u1ef1c x\u00e2y d\u1ef1ng t\u0103ng v\u1ecdt 72%, t\u1eadp trung v\u00e0o c\u00e1c d\u1ef1 \u00e1n h\u1ea1 t\u1ea7ng tr\u1ecdng \u0111i\u1ec3m, c\u00f9ng s\u1ef1 kh\u1edfi s\u1eafc t\u1ea1i c\u00e1c m\u1ea3ng FMCG, logistics v\u00e0 vi\u1ec5n th\u00f4ng. <\/p>\n

\u0110\u1eb7c bi\u1ec7t, ph\u00e2n kh\u00fac cho vay t\u00edn ch\u1ea5p ghi nh\u1eadn con s\u1ed1 t\u0103ng tr\u01b0\u1edfng \u0111\u1ed9t ph\u00e1 159,1% so v\u1edbi c\u00f9ng k\u1ef3 v\u00e0 14,4% so v\u1edbi \u0111\u1ea7u n\u0103m, cho th\u1ea5y hi\u1ec7u qu\u1ea3 v\u01b0\u1ee3t tr\u1ed9i t\u1eeb c\u00e1c m\u00f4 h\u00ecnh ph\u00ea duy\u1ec7t t\u1ef1 \u0111\u1ed9ng v\u00e0 kh\u1ea3 n\u0103ng th\u1ea5u hi\u1ec3u nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng. B\u00ean c\u1ea1nh \u0111\u00f3, cho vay mua nh\u00e0 v\u00e0 cho vay k\u00fd qu\u1ef9 l\u1ea7n l\u01b0\u1ee3t t\u0103ng 6,4% v\u00e0 2,0% so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

Tr\u00ean ph\u01b0\u01a1ng di\u1ec7n huy \u0111\u1ed9ng, ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng d\u00e0nh cho Techcombank ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 v\u1edbi t\u1ed5ng ti\u1ec1n g\u1eedi \u0111\u1ea1t 651 ngh\u00ecn t\u1ec9 \u0111\u1ed3ng, t\u0103ng 14,2% so v\u1edbi \u0111\u1ea7u n\u0103m. D\u00f9 m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cao khi\u1ebfn m\u1ed9t b\u1ed9 ph\u1eadn kh\u00e1ch h\u00e0ng d\u1ecbch chuy\u1ec3n d\u00f2ng ti\u1ec1n sang c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 k\u1ef3 h\u1ea1n, nh\u01b0ng t\u1ef7 l\u1ec7 CASA (bao g\u1ed3m Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng) v\u1eabn duy tr\u00ec \u1edf m\u1ee9c cao 37,9%. \u0110\u00e2y ch\u00ednh l\u00e0 “ngu\u1ed3n nhi\u00ean li\u1ec7u” gi\u00e1 r\u1ebb quan tr\u1ecdng, gi\u00fap ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed v\u1ed1n v\u00e0 s\u1eb5n s\u00e0ng cho nh\u1eefng m\u1ee5c ti\u00eau b\u1ee9t ph\u00e1 trong c\u00e1c qu\u00fd ti\u1ebfp theo.<\/p>\n

Thanh kho\u1ea3n \u1ed5n \u0111\u1ecbnh, b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng d\u00e0y l\u00ean<\/b><\/h2>\n

Gi\u1eefa \u00e1p l\u1ef1c l\u00e3i su\u1ea5t v\u00e0 r\u1ee7i ro b\u00ean ngo\u00e0i gia t\u0103ng, Techcombank v\u1eabn cho th\u1ea5y “s\u1ee9c \u0111\u1ec1 kh\u00e1ng” v\u1eefng v\u00e0ng khi ti\u1ebfp t\u1ee5c duy tr\u00ec n\u1ec1n t\u1ea3ng thanh kho\u1ea3n v\u1eefng ch\u1eafc. T\u00ednh \u0111\u1ebfn 31.3.2026, t\u1ef7 l\u1ec7 cho vay tr\u00ean huy \u0111\u1ed9ng (LDR) \u1edf m\u1ee9c 80,5%, trong khi t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng v\u1ed1n ng\u1eafn h\u1ea1n cho vay trung v\u00e0 d\u00e0i h\u1ea1n l\u00e0 26,9% – \u0111\u1ec1u n\u1eb1m trong gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

Song song \u0111\u00f3, t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) theo Basel II \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean 15,2%, c\u1ea3i thi\u1ec7n so v\u1edbi m\u1ee9c 14,6% cu\u1ed1i n\u0103m 2025. \u0110i\u1ec1u n\u00e0y ti\u1ebfp t\u1ee5c kh\u1eb3ng \u0111\u1ecbnh n\u1ec1n t\u1ea3ng v\u1ed1n v\u1eefng ch\u1eafc v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u c\u1ee7a Techcombank.<\/p>\n

Ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m \u1edf m\u1ee9c \u01b0u vi\u1ec7t v\u1edbi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u duy tr\u00ec t\u1ea1i ng\u01b0\u1ee1ng 1,16%. M\u1ee9c t\u0103ng nh\u1eb9 so v\u1edbi cu\u1ed1i n\u0103m tr\u01b0\u1edbc l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a vi\u1ec7c t\u00e1i c\u01a1 c\u1ea5u danh m\u1ee5c m\u1ed9t c\u00e1ch ch\u1ecdn l\u1ecdc, h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau n\u00e2ng cao hi\u1ec7u qu\u1ea3 s\u1eed d\u1ee5ng v\u1ed1n v\u00e0 gia t\u0103ng t\u1ef7 su\u1ea5t sinh l\u1eddi.<\/p>\n

\u0110\u00e1ng ch\u00fa \u00fd, t\u1ef7 l\u1ec7 bao ph\u1ee7 n\u1ee3 x\u1ea5u ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1, \u0111\u1ea1t 129,3%, cho th\u1ea5y b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng ng\u00e0y c\u00e0ng d\u00e0y h\u01a1n, ph\u1ea3n \u00e1nh c\u00e1ch ti\u1ebfp c\u1eadn th\u1eadn tr\u1ecdng trong qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/p>\n<\/p><\/div>", "protected": false }, "excerpt": { "rendered": "

B\u1ea3n l\u0129nh c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng d\u1eabn d\u1eaft \u0111\u01b0\u1ee3c Techcombank kh\u1eb3ng \u0111\u1ecbnh ngay trong qu\u00fd \u0111\u1ea7u n\u0103m 2026 v\u1edbi t\u1ed5ng […]<\/p>", "protected": false }, "author": 5, "featured_media": 74695, "comment_status": "open", "ping_status": "open", "sticky": false, "template": "", "format": "standard", "meta": { "_acf_changed": false, "footnotes": "" }, "categories": [ 94 ], "tags": [], "class_list": [ "post-74694", "post", "type-post", "status-publish", "format-standard", "has-post-thumbnail", "hentry", "category-tin-tuc-trong-nuoc" ], "acf": [], "_links": { "self": [ { "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/posts\/74694", "targetHints": { "allow": [ "GET" ] } } ], "collection": [ { "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/posts" } ], "about": [ { "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/types\/post" } ], "author": [ { "embeddable": true, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/users\/5" } ], "replies": [ { "embeddable": true, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/comments?post=74694" } ], "version-history": [ { "count": 0, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/posts\/74694\/revisions" } ], "wp:featuredmedia": [ { "embeddable": true, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/media\/74695" } ], "wp:attachment": [ { "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/media?parent=74694" } ], "wp:term": [ { "taxonomy": "category", "embeddable": true, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/categories?post=74694" }, { "taxonomy": "post_tag", "embeddable": true, "href": "https:\/\/hbbgroup.net\/en_us\/wp-json\/wp\/v2\/tags?post=74694" } ], "curies": [ { "name": "wp", "href": "https:\/\/api.w.org\/{rel}", "templated": true } ] } }