{"id":78701,"date":"2026-05-08T09:07:41","date_gmt":"2026-05-08T02:07:41","guid":{"rendered":"https:\/\/hbbgroup.net\/vi-sao-mot-so-ngan-hang-giam-manh-loi-nhuan\/"},"modified":"2026-05-08T09:07:41","modified_gmt":"2026-05-08T02:07:41","slug":"vi-sao-mot-so-ngan-hang-giam-manh-loi-nhuan","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/zh\/vi-sao-mot-so-ngan-hang-giam-manh-loi-nhuan\/","title":{"rendered":"V\u00ec sao m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng gi\u1ea3m m\u1ea1nh l\u1ee3i nhu\u1eadn?"},"content":{"rendered":"
\n

Trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m l\u1ee3i nhu\u1eadn, <\/a> SeABank l\u00e0 tr\u01b0\u1eddng h\u1ee3p g\u00e2y ch\u00fa \u00fd nh\u1ea5t khi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf qu\u00fd I ch\u1ec9 \u0111\u1ea1t 1.388 t\u1ef7 \u0111\u1ed3ng; ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n ghi nh\u1eadn kho\u1ea3n thu \u0111\u1ed9t bi\u1ebfn t\u1eeb th\u01b0\u01a1ng v\u1ee5 chuy\u1ec3n nh\u01b0\u1ee3ng C\u00f4ng ty T\u00e0i ch\u00ednh PTF nh\u01b0 c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. Khi y\u1ebfu t\u1ed1 b\u1ea5t th\u01b0\u1eddng kh\u00f4ng c\u00f2n, n\u1ec1n l\u1ee3i nhu\u1eadn l\u1eadp t\u1ee9c s\u1ee5t gi\u1ea3m \u0111\u00e1ng k\u1ec3. <\/p>\n

Ngo\u00e0i ra, \u00e1p l\u1ef1c chi ph\u00ed v\u1ed1n t\u0103ng c\u00f9ng v\u1edbi vi\u1ec7c \u0111\u1ea9y m\u1ea1nh tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng r\u1ee7i ro <\/a> c\u0169ng khi\u1ebfn hi\u1ec7u qu\u1ea3 kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng suy gi\u1ea3m. \u0110\u00e2y c\u0169ng l\u00e0 t\u00ecnh tr\u1ea1ng chung c\u1ee7a nhi\u1ec1u nh\u00e0 b\u0103ng trong b\u1ed1i c\u1ea3nh n\u1ee3 x\u1ea5u c\u00f3 d\u1ea5u hi\u1ec7u gia t\u0103ng tr\u1edf l\u1ea1i \u1edf m\u1ed9t s\u1ed1 nh\u00f3m kh\u00e1ch h\u00e0ng. <\/p>\n

Eximbank c\u0169ng ghi nh\u1eadn m\u1ee9c gi\u1ea3m khi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf qu\u00fd I ch\u1ec9 c\u00f2n 338 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m h\u01a1n 50% so v\u1edbi c\u00f9ng k\u1ef3. D\u00f9 thu nh\u1eadp l\u00e3i thu\u1ea7n v\u1eabn t\u0103ng g\u1ea7n 2%, nh\u01b0ng c\u00e1c ngu\u1ed3n thu ngo\u00e0i l\u00e3i l\u1ea1i s\u1ee5t gi\u1ea3m m\u1ea1nh. \u0110\u00e1ng ch\u00fa \u00fd, l\u00e3i thu\u1ea7n t\u1eeb d\u1ecbch v\u1ee5 gi\u1ea3m t\u1edbi 75%, ch\u1ec9 c\u00f2n 36 t\u1ef7 \u0111\u1ed3ng, trong khi ho\u1ea1t \u0111\u1ed9ng kinh doanh ngo\u1ea1i h\u1ed1i l\u1ed7 h\u01a1n 10 t\u1ef7 \u0111\u1ed3ng. <\/p>\n

T\u1ea1i \u0111\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean cu\u1ed1i th\u00e1ng 4, \u00f4ng Tr\u1ea7n T\u1ea5n L\u1ed9c – T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Eximbank – cho bi\u1ebft, b\u1ed1i c\u1ea3nh kinh t\u1ebf to\u00e0n c\u1ea7u \u0111ang c\u00f3 nhi\u1ec1u b\u1ea5t \u1ed5n, \u0111\u1eb7c bi\u1ec7t l\u00e0 xung \u0111\u1ed9t t\u1ea1i Trung \u0110\u00f4ng l\u00e0m gi\u00e1n \u0111o\u1ea1n chu\u1ed7i cung \u1ee9ng, \u0111\u1ea9y gi\u00e1 d\u1ea7u t\u0103ng v\u00e0 g\u00e2y \u00e1p l\u1ef1c l\u1ea1m ph\u00e1t. Nh\u1eefng bi\u1ebfn \u0111\u1ed9ng n\u00e0y t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng t\u1edbi ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng v\u00e0 k\u1ebft qu\u1ea3 kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. <\/p>\n

\n

\"V\u00ec <\/p>

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L\u1ee3i nhu\u1eadn m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u0111i l\u00f9i trong b\u1ed1i c\u1ea3nh kh\u00f3 kh\u0103n. <\/p>\n<\/figcaption><\/figure>\n

Sacombank c\u0169ng n\u1eb1m trong nh\u00f3m ng\u00e2n h\u00e0ng gi\u1ea3m m\u1ea1nh khi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf <\/a> gi\u1ea3m 42%, c\u00f2n 2.106 t\u1ef7 \u0111\u1ed3ng. Nguy\u00ean nh\u00e2n ch\u00ednh \u0111\u1ebfn t\u1eeb vi\u1ec7c chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u0103ng \u0111\u1ed9t bi\u1ebfn, t\u1eeb 195 t\u1ef7 \u0111\u1ed3ng l\u00ean 2.024 t\u1ef7 \u0111\u1ed3ng, t\u1ee9c g\u1ea5p h\u01a1n 10 l\u1ea7n so v\u1edbi c\u00f9ng k\u1ef3. M\u1eb7c d\u00f9 thu nh\u1eadp l\u00e3i thu\u1ea7n gi\u1ea3m 12%, xu\u1ed1ng 6.042 t\u1ef7 \u0111\u1ed3ng, c\u00e1c m\u1ea3ng ngo\u00e0i l\u00e3i v\u1eabn ghi nh\u1eadn t\u00edn hi\u1ec7u t\u00edch c\u1ef1c, \u0111\u1eb7c bi\u1ec7t l\u00e3i thu\u1ea7n t\u1eeb ho\u1ea1t \u0111\u1ed9ng kh\u00e1c chuy\u1ec3n t\u1eeb l\u1ed7 104 t\u1ef7 \u0111\u1ed3ng sang l\u00e3i 324 t\u1ef7 \u0111\u1ed3ng. Tuy nhi\u00ean, m\u1ee9c t\u0103ng n\u00e0y kh\u00f4ng \u0111\u1ee7 b\u00f9 \u0111\u1eafp chi ph\u00ed d\u1ef1 ph\u00f2ng t\u0103ng qu\u00e1 m\u1ea1nh, khi\u1ebfn l\u1ee3i nhu\u1eadn cu\u1ed1i c\u00f9ng quay \u0111\u1ea7u gi\u1ea3m. D\u00f9 v\u1eady, ng\u00e2n h\u00e0ng v\u1eabn ho\u00e0n th\u00e0nh kho\u1ea3ng 26% k\u1ebf ho\u1ea1ch l\u1ee3i nhu\u1eadn c\u1ea3 n\u0103m. <\/p>\n

LPBank c\u0169ng ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf gi\u1ea3m 11%, xu\u1ed1ng c\u00f2n 2.826 t\u1ef7 \u0111\u1ed3ng, d\u00f9 thu nh\u1eadp l\u00e3i thu\u1ea7n v\u1eabn t\u0103ng 18%. T\u1ea1i \u0111\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng v\u1eeba qua, l\u00e3nh \u0111\u1ea1o LPBank cho bi\u1ebft 2026 l\u00e0 n\u0103m ng\u00e2n h\u00e0ng ch\u1ee7 \u0111\u1ed9ng x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch kinh doanh theo h\u01b0\u1edbng th\u1eadn tr\u1ecdng h\u01a1n. <\/p>\n

\u00d4ng V\u0169 Qu\u1ed1c Kh\u00e1nh – T\u1ed5ng Gi\u00e1m \u0111\u1ed1c LPBank – cho bi\u1ebft, room t\u00edn d\u1ee5ng n\u0103m nay c\u1ee7a LPBank ch\u1ec9 \u1edf m\u1ee9c 11,7%, th\u1ea5p h\u01a1n k\u1ef3 v\u1ecdng, trong khi qu\u00fd I c\u00e1c ng\u00e2n h\u00e0ng b\u1ecb gi\u1edbi h\u1ea1n ch\u1ec9 \u0111\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng kho\u1ea3ng 25% h\u1ea1n m\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p. \u0110i\u1ec1u n\u00e0y khi\u1ebfn d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng kh\u00f4ng c\u00f2n qu\u00e1 l\u1edbn. <\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u00e1p l\u1ef1c l\u00e3i su\u1ea5t huy \u0111\u1ed9ng t\u0103ng trong giai \u0111o\u1ea1n \u0111\u1ea7u n\u0103m c\u0169ng khi\u1ebfn bi\u00ean l\u1ee3i nhu\u1eadn (NIM) b\u1ecb thu h\u1eb9p. <\/p>\n

Theo \u00f4ng Kh\u00e1nh, d\u00f9 LPBank v\u1eabn c\u00f3 l\u1ee3i th\u1ebf v\u1ec1 n\u1ec1n t\u1ea3ng s\u1ed1 v\u00e0 m\u1ea1ng l\u01b0\u1edbi r\u1ed9ng, nh\u01b0ng bi\u00ean l\u1ee3i nhu\u1eadn n\u0103m nay kh\u00f3 duy tr\u00ec nh\u01b0 n\u0103m 2025. \u0110\u1ed3ng th\u1eddi, ng\u00e2n h\u00e0ng c\u0169ng ch\u1ee7 \u0111\u1ed9ng t\u0103ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng \u0111\u1ec3 n\u00e2ng cao s\u1ee9c ch\u1ed1ng ch\u1ecbu tr\u01b0\u1edbc bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng. <\/p>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"

Trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m l\u1ee3i nhu\u1eadn, SeABank l\u00e0 tr\u01b0\u1eddng h\u1ee3p g\u00e2y ch\u00fa \u00fd nh\u1ea5t khi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc […]<\/p>","protected":false},"author":5,"featured_media":78703,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[221],"tags":[],"class_list":["post-78701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chung-khoan"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/78701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/comments?post=78701"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/posts\/78701\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media\/78703"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/media?parent=78701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/categories?post=78701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/zh\/wp-json\/wp\/v2\/tags?post=78701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}