{"id":301137,"date":"2025-07-10T22:02:09","date_gmt":"2025-07-10T22:02:09","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/mr-chen-2\/"},"modified":"2025-07-10T22:02:09","modified_gmt":"2025-07-10T22:02:09","slug":"mr-chen","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/interesting\/reviews\/mr-chen\/","title":{"rendered":"C\u1ed5 phi\u1ebfu MB Bank: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 2025 cho nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":45,"featured_media":220118,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[28,45,44],"class_list":["post-301137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-investment","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option: Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n C\u1ed5 Phi\u1ebfu MB Bank N\u0103m 2025","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n C\u1ed5 Phi\u1ebfu MB Bank N\u0103m 2025"},"description":"C\u1ed5 phi\u1ebfu MB Bank - Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1edbi d\u1eef li\u1ec7u c\u1eadp nh\u1eadt v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 l\u1ee3i nhu\u1eadn cao t\u1eeb Pocket Option, gi\u00fap t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n v\u00e0o n\u0103m 2025","description_source":{"label":"Description","type":"textarea","formatted_value":"C\u1ed5 phi\u1ebfu MB Bank - Ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1edbi d\u1eef li\u1ec7u c\u1eadp nh\u1eadt v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 l\u1ee3i nhu\u1eadn cao t\u1eeb Pocket Option, gi\u00fap t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n v\u00e0o n\u0103m 2025"},"intro":"C\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 t\u0103ng 27,8% trong 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, v\u01b0\u1ee3t tr\u1ed9i h\u01a1n VN-Index 15%. V\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 120.000 t\u1ef7 VND, Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i (MBB) \u0111ang kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf trong top 5 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 kinh t\u1ebf v\u0129 m\u00f4 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank, \u0111\u01b0a ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf v\u00e0 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng, gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh trong b\u1ed1i c\u1ea3nh kinh t\u1ebf Vi\u1ec7t Nam n\u0103m 2025.","intro_source":{"label":"Intro","type":"text","formatted_value":"C\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 t\u0103ng 27,8% trong 10 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, v\u01b0\u1ee3t tr\u1ed9i h\u01a1n VN-Index 15%. V\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 120.000 t\u1ef7 VND, Ng\u00e2n h\u00e0ng Qu\u00e2n \u0111\u1ed9i (MBB) \u0111ang kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf trong top 5 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 kinh t\u1ebf v\u0129 m\u00f4 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank, \u0111\u01b0a ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf v\u00e0 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng, gi\u00fap b\u1ea1n x\u00e2y d\u1ef1ng quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh trong b\u1ed1i c\u1ea3nh kinh t\u1ebf Vi\u1ec7t Nam n\u0103m 2025."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u1ed5ng quan v\u1ec1 c\u1ed5 phi\u1ebfu MB Bank v\u00e0 v\u1ecb th\u1ebf hi\u1ec7n t\u1ea1i tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu MB Bank (m\u00e3: MBB) thu\u1ed9c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Qu\u00e2n \u0111\u1ed9i, m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 1994 v\u00e0 ni\u00eam y\u1ebft tr\u00ean HOSE t\u1eeb n\u0103m 2011. T\u00ednh \u0111\u1ebfn th\u00e1ng 10 n\u0103m 2024, MB Bank x\u1ebfp th\u1ee9 4 v\u1ec1 t\u1ed5ng t\u00e0i s\u1ea3n (780.000 t\u1ef7 VND) v\u00e0 th\u1ee9 5 v\u1ec1 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (95.000 t\u1ef7 VND) trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t gi\u1ea3m v\u00e0 nhu c\u1ea7u t\u00edn d\u1ee5ng m\u1ea1nh m\u1ebd, c\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u01b0\u1ee3t tr\u1ed9i v\u1edbi t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao h\u01a1n 22,5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. \u0110\u1eb7c bi\u1ec7t, MB Bank l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt ng\u00e2n h\u00e0ng duy tr\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u d\u01b0\u1edbi 1,2% gi\u1eefa \u00e1p l\u1ef1c gia t\u0103ng n\u1ee3 x\u1ea5u trong to\u00e0n ng\u00e0nh.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo d\u1eef li\u1ec7u nghi\u00ean c\u1ee9u m\u1edbi nh\u1ea5t t\u1eeb Pocket Option, c\u1ed5 phi\u1ebfu MB Bank c\u00f3 t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m k\u00e9p (CAGR) l\u00ean t\u1edbi 32,8% trong 5 n\u0103m qua, cao h\u01a1n 18,3% so v\u1edbi trung b\u00ecnh ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 b\u1eb1ng ch\u1ee9ng r\u00f5 r\u00e0ng v\u1ec1 chi\u1ebfn l\u01b0\u1ee3c kinh doanh hi\u1ec7u qu\u1ea3 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro xu\u1ea5t s\u1eafc c\u1ee7a ban l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1<\/th><th>Gi\u00e1 tr\u1ecb (10\/2024)<\/th><th>So v\u1edbi trung b\u00ecnh ng\u00e0nh<\/th><th>Xu h\u01b0\u1edbng<\/th><\/tr><\/thead><tbody><tr><td>V\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng<\/td><td>120.000 t\u1ef7 VND<\/td><td>Cao h\u01a1n 35%<\/td><td>T\u0103ng<\/td><\/tr><tr><td>P\/E<\/td><td>8.5<\/td><td>Th\u1ea5p h\u01a1n 10%<\/td><td>\u1ed4n \u0111\u1ecbnh<\/td><\/tr><tr><td>ROE<\/td><td>22%<\/td><td>Cao h\u01a1n 25%<\/td><td>T\u0103ng<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL)<\/td><td>1.2%<\/td><td>Th\u1ea5p h\u01a1n 30%<\/td><td>Gi\u1ea3m<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u1ed5 phi\u1ebfu MB Bank: T\u1eeb b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u1ebfn d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu MB Bank n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c ph\u00e2n t\u00edch b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd 3\/2024. D\u1eef li\u1ec7u cho th\u1ea5y MB Bank \u0111\u1ea1t l\u1ee3i nhu\u1eadn 17.200 t\u1ef7 VND trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m, t\u0103ng 30,2% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2023. \u0110\u00e1ng ch\u00fa \u00fd, thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 \u0111\u1ea1t 6.800 t\u1ef7 VND, t\u0103ng 42,3%, ph\u1ea3n \u00e1nh th\u00e0nh c\u00f4ng trong chi\u1ebfn l\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh n\u1ed5i b\u1eadt v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Hi\u1ec7n t\u1ea1i, MB Bank \u0111\u1ea1t ROE 22% - cao nh\u1ea5t trong nh\u00f3m Big5 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. \u0110i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 duy tr\u00ec t\u1ef7 l\u1ec7 n\u00e0y trong 12 qu\u00fd li\u00ean ti\u1ebfp, th\u1ec3 hi\u1ec7n s\u1ef1 \u1ed5n \u0111\u1ecbnh trong m\u00f4 h\u00ecnh kinh doanh. T\u1ef7 l\u1ec7 CASA (t\u00e0i kho\u1ea3n thanh to\u00e1n ti\u1ebft ki\u1ec7m) \u0111\u1ea1t 41,8% - cao nh\u1ea5t trong ng\u00e0nh, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1ed1n v\u00e0 t\u0103ng bi\u00ean l\u00e3i r\u00f2ng (NIM) l\u00ean 5,8%.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>N\u0103m<\/th><th>L\u1ee3i nhu\u1eadn (t\u1ef7 VND)<\/th><th>T\u0103ng tr\u01b0\u1edfng (%)<\/th><th>ROE (%)<\/th><th>NIM (%)<\/th><th>CASA (%)<\/th><\/tr><\/thead><tbody><tr><td>2020<\/td><td>8.500<\/td><td>6.5<\/td><td>19.1<\/td><td>4.3<\/td><td>34.2<\/td><\/tr><tr><td>2021<\/td><td>12.400<\/td><td>45.9<\/td><td>23.5<\/td><td>5.1<\/td><td>38.7<\/td><\/tr><tr><td>2022<\/td><td>16.500<\/td><td>33.1<\/td><td>24.2<\/td><td>5.4<\/td><td>40.2<\/td><\/tr><tr><td>2023<\/td><td>22.300<\/td><td>35.2<\/td><td>25.1<\/td><td>5.8<\/td><td>41.5<\/td><\/tr><tr><td>2024 (d\u1ef1 ki\u1ebfn)<\/td><td>28.500<\/td><td>27.8<\/td><td>23.8<\/td><td>5.6<\/td><td>41.8<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1edbi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u ch\u1ec9 1,2% v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng (LLR) l\u00ean t\u1edbi 178% - cao th\u1ee9 hai trong ng\u00e0nh ng\u00e2n h\u00e0ng, MB Bank \u0111\u00e3 t\u1ea1o ra m\u1ed9t l\u1edbp \u0111\u1ec7m v\u1eefng ch\u1eafc ch\u1ed1ng l\u1ea1i c\u00e1c r\u1ee7i ro t\u00edn d\u1ee5ng ti\u1ec1m \u1ea9n. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u th\u00e1ch th\u1ee9c v\u00e0o n\u0103m 2025.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chuy\u00ean gia t\u1ea1i Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng MB Bank l\u00e0 ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 94% giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh s\u1ed1, gi\u00fap gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng 32% trong 3 n\u0103m qua. \u1ee8ng d\u1ee5ng MBBank hi\u1ec7n c\u00f3 12,7 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng (MAU), t\u0103ng 28% so v\u1edbi n\u0103m 2023, mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u01b0\u1ee3t tr\u1ed9i v\u1ec1 chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu MB Bank: M\u00f4 h\u00ecnh gi\u00e1 v\u00e0 d\u1ef1 b\u00e1o xu h\u01b0\u1edbng 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt c\u1ee7a c\u1ed5 phi\u1ebfu MB Bank t\u1eeb th\u00e1ng 6\/2024 \u0111\u1ebfn nay cho th\u1ea5y xu h\u01b0\u1edbng t\u0103ng r\u00f5 r\u1ec7t v\u1edbi \u0111\u01b0\u1eddng gi\u00e1 n\u1eb1m tr\u00ean c\u1ea3 \u0111\u01b0\u1eddng MA50 v\u00e0 MA200. Quan tr\u1ecdng h\u01a1n, kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh 10 phi\u00ean \u0111\u1ea1t 4,7 tri\u1ec7u c\u1ed5 phi\u1ebfu\/phi\u00ean, cao h\u01a1n 34% so v\u1edbi trung b\u00ecnh 3 th\u00e1ng tr\u01b0\u1edbc, x\u00e1c nh\u1eadn s\u1ee9c m\u1ea1nh c\u1ee7a xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Ph\u00e2n t\u00edch m\u00f4 h\u00ecnh gi\u00e1 v\u00e0 c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3-kh\u00e1ng c\u1ef1 quan tr\u1ecdng<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 ho\u00e0n th\u00e0nh m\u00f4 h\u00ecnh \"c\u1ed1c v\u00e0 tay c\u1ea7m\" v\u00e0o th\u00e1ng 9\/2024 sau 5 th\u00e1ng h\u00ecnh th\u00e0nh. S\u1ef1 b\u1ee9t ph\u00e1 x\u1ea3y ra \u1edf m\u1ee9c 30.500 VND v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch g\u1ea5p 2,8 l\u1ea7n trung b\u00ecnh, g\u1eedi t\u00edn hi\u1ec7u mua m\u1ea1nh. M\u00f4 h\u00ecnh n\u00e0y th\u01b0\u1eddng c\u00f3 \u0111\u1ed9 tin c\u1eady cao, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 d\u1ef1 ki\u1ebfn l\u00e0 38.200 VND (t\u0103ng 25% t\u1eeb \u0111i\u1ec3m b\u1ee9t ph\u00e1).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch Fibonacci cho th\u1ea5y c\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng h\u1ed7 tr\u1ee3 0.382 t\u1ea1i 27.800 VND v\u00e0o th\u00e1ng 10\/2024 v\u00e0 \u0111\u00e3 ph\u1ea3n \u1ee9ng t\u00edch c\u1ef1c, th\u1ec3 hi\u1ec7n s\u1ee9c m\u1ea1nh c\u1ee7a xu h\u01b0\u1edbng t\u0103ng. Theo c\u00e1c chuy\u00ean gia Pocket Option, \u0111\u00e2y l\u00e0 \u0111i\u1ec3m v\u00e0o l\u00fd t\u01b0\u1edfng v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro\/l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn 1:3.5 cho chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 trung h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh: 26.800 - 27.200 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi Fibonacci 0.5)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng h\u1ed7 tr\u1ee3 trung b\u00ecnh: 27.900 - 28.200 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi MA50)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 g\u1ea7n: 32.400 - 32.800 VND (\u0111\u1ec9nh th\u00e1ng 9\/2024)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 m\u1ea1nh: 35.800 - 36.200 VND (m\u1ee5c ti\u00eau k\u1ef9 thu\u1eadt c\u1ee7a m\u00f4 h\u00ecnh)<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ch\u1ec9 b\u00e1o RSI(14) hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 62.5 - v\u00f9ng trung l\u1eadp nh\u01b0ng nghi\u00eang v\u1ec1 t\u00edch c\u1ef1c, ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 mua (&gt;70). MACD n\u1eb1m tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u v\u00e0 h\u00ecnh th\u00e0nh histogram t\u0103ng, x\u00e1c nh\u1eadn \u0111\u1ed9ng l\u1ef1c t\u0103ng ng\u1eafn h\u1ea1n. \u0110\u00e1ng ch\u00fa \u00fd, d\u1ea3i Bollinger \u0111ang m\u1edf r\u1ed9ng v\u1edbi gi\u00e1 ti\u1ebfn g\u1ea7n d\u1ea3i tr\u00ean, th\u01b0\u1eddng b\u00e1o hi\u1ec7u m\u1ed9t xu h\u01b0\u1edbng t\u0103ng m\u1ea1nh s\u1eafp x\u1ea3y ra.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt<\/th><th>Gi\u00e1 tr\u1ecb (10\/2024)<\/th><th>T\u00edn hi\u1ec7u<\/th><th>\u0110\u1ed9 tin c\u1eady (%)<\/th><\/tr><\/thead><tbody><tr><td>RSI (14)<\/td><td>62.5<\/td><td>T\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td><td>75<\/td><\/tr><tr><td>MACD<\/td><td>+0.35<\/td><td>Mua<\/td><td>82<\/td><\/tr><tr><td>Bollinger Bands<\/td><td>Gi\u00e1 g\u1ea7n d\u1ea3i tr\u00ean<\/td><td>Theo d\u00f5i b\u1ee9t ph\u00e1<\/td><td>70<\/td><\/tr><tr><td>MA 50\/200<\/td><td>Golden Cross (t\u1eeb 8\/2024)<\/td><td>Mua d\u00e0i h\u1ea1n<\/td><td>88<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tri\u1ec3n v\u1ecdng c\u1ee7a c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025 ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh m\u1ebd b\u1edfi 5 y\u1ebfu t\u1ed1 v\u0129 m\u00f4 ch\u00ednh c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam. Th\u1ee9 nh\u1ea5t, GDP d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng 6,5% v\u00e0o n\u0103m 2025, cao h\u01a1n m\u1ee9c 6,0% c\u1ee7a n\u0103m 2024, t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng v\u00e0 c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ee9 hai, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a NHNN \u0111ang c\u00f3 xu h\u01b0\u1edbng n\u1edbi l\u1ecfng v\u1edbi 3 l\u1ea7n c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t ch\u1ee7 ch\u1ed1t t\u1eeb qu\u00fd 4\/2023, d\u1ef1 ki\u1ebfn gi\u1ea3m th\u00eam 0,5-1% v\u00e0o n\u0103m 2025. \u0110i\u1ec1u n\u00e0y tr\u1ef1c ti\u1ebfp gi\u00fap MB Bank gi\u1ea3m chi ph\u00ed v\u1ed1n v\u00e0 t\u0103ng bi\u00ean l\u00e3i r\u00f2ng th\u00eam 0,3-0,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1.800-2.200 t\u1ef7 VND l\u1ee3i nhu\u1eadn b\u1ed5 sung.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: NHNN \u0111\u00e3 ph\u00ea duy\u1ec7t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng 16% cho MB Bank v\u00e0o n\u0103m 2025, cao h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh 14%, ph\u1ea3n \u00e1nh s\u1ef1 tin t\u01b0\u1edfng c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 gi\u00e1 USD\/VND: D\u1ef1 b\u00e1o t\u0103ng 2-3% v\u00e0o n\u0103m 2025 do \u00e1p l\u1ef1c t\u1eeb USD m\u1ea1nh l\u00ean, nh\u01b0ng MB Bank c\u00f3 v\u1ecb th\u1ebf ngo\u1ea1i t\u1ec7 h\u01a1i d\u01b0\u01a1ng n\u00ean s\u1ebd h\u01b0\u1edfng l\u1ee3i kho\u1ea3ng 350-420 t\u1ef7 VND<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ch\u01b0\u01a1ng tr\u00ecnh IPO doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc: K\u1ebf ho\u1ea1ch IPO 5 t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0o n\u0103m 2025 s\u1ebd t\u1ea1o c\u01a1 h\u1ed9i cho MB Bank m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh doanh nghi\u1ec7p, d\u1ef1 ki\u1ebfn \u0111\u00f3ng g\u00f3p th\u00eam 600-800 t\u1ef7 VND v\u00e0o thu nh\u1eadp d\u1ecbch v\u1ee5<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Y\u1ebfu t\u1ed1 v\u0129 m\u00f4<\/th><th>D\u1ef1 b\u00e1o 2025<\/th><th>T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank<\/th><th>M\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng tr\u01b0\u1edfng GDP<\/td><td>6.5%<\/td><td>T\u00edch c\u1ef1c: T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 22%<\/td><td>Cao<\/td><\/tr><tr><td>L\u1ea1m ph\u00e1t<\/td><td>3.8%<\/td><td>Trung l\u1eadp: V\u1eabn trong t\u1ea7m ki\u1ec3m so\u00e1t<\/td><td>Trung b\u00ecnh<\/td><\/tr><tr><td>L\u00e3i su\u1ea5t ch\u00ednh s\u00e1ch<\/td><td>Gi\u1ea3m 0.5-1%<\/td><td>T\u00edch c\u1ef1c: T\u0103ng NIM 0.3-0.4%<\/td><td>Cao<\/td><\/tr><tr><td>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td><td>16% (ri\u00eang MB)<\/td><td>T\u00edch c\u1ef1c: V\u01b0\u1ee3t tr\u1ed9i ng\u00e0nh (14%)<\/td><td>R\u1ea5t cao<\/td><\/tr><tr><td>T\u1ef7 gi\u00e1 USD\/VND<\/td><td>T\u0103ng 2-3%<\/td><td>H\u01a1i t\u00edch c\u1ef1c: +350-420 t\u1ef7 l\u1ee3i nhu\u1eadn<\/td><td>Th\u1ea5p<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo ph\u00e2n t\u00edch c\u1ee7a Pocket Option, y\u1ebfu t\u1ed1 v\u0129 m\u00f4 quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN n\u00e2ng h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00ean 16% cho MB Bank v\u00e0o qu\u00fd 1\/2025. \u0110i\u1ec1u n\u00e0y s\u1ebd t\u1ea1o l\u1ee3i th\u1ebf \u0111\u1eb7c bi\u1ec7t cho ng\u00e2n h\u00e0ng trong vi\u1ec7c m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, \u0111\u1eb7c bi\u1ec7t \u1edf c\u00e1c ph\u00e2n kh\u00fac c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao nh\u01b0 b\u00e1n l\u1ebb v\u00e0 SME.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu MB Bank theo ph\u00e2n \u0111o\u1ea1n th\u1eddi gian v\u00e0 kh\u1ea9u v\u1ecb r\u1ee7i ro<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 v\u0129 m\u00f4, ch\u00fang t\u00f4i \u0111\u1ec1 xu\u1ea5t chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 chi ti\u1ebft cho c\u1ed5 phi\u1ebfu MB Bank cho 4 nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi khung th\u1eddi gian v\u00e0 kh\u1ea9u v\u1ecb r\u1ee7i ro kh\u00e1c nhau. M\u1ed7i chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi c\u00e1c ng\u01b0\u1ee1ng mua-b\u00e1n c\u1ee5 th\u1ec3 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 2 n\u0103m) v\u1edbi c\u1ed5 phi\u1ebfu MB Bank<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, c\u1ed5 phi\u1ebfu MB Bank l\u00e0 m\u1ed9t kho\u1ea3n n\u1eafm gi\u1eef c\u1ed1t l\u00f5i trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 ng\u00e0nh ng\u00e2n h\u00e0ng. Ph\u01b0\u01a1ng ph\u00e1p trung b\u00ecnh gi\u00e1 (DCA) k\u1ebft h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \"mua v\u00e0 theo d\u00f5i \u0111i\u1ec1u ki\u1ec7n\" s\u1ebd mang l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1i \u01b0u, v\u1edbi m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng k\u00e9p 18-22% m\u1ed7i n\u0103m (bao g\u1ed3m c\u1ed5 t\u1ee9c).<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng h\u1ee3p l\u00fd: 5-8% t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 15% ngay c\u1ea3 trong \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i nh\u1ea5t<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m mua t\u1ed1i \u01b0u: T\u00edch l\u0169y t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh (26.800-27.200 VND) ho\u1eb7c khi P\/B &lt; 1.7 l\u1ea7n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m c\u00e2n nh\u1eafc b\u00e1n: Khi ROE gi\u1ea3m d\u01b0\u1edbi 18% trong 2 qu\u00fd li\u00ean ti\u1ebfp ho\u1eb7c khi P\/B &gt; 2.5 l\u1ea7n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m t\u00e1i \u0111\u00e1nh gi\u00e1: Theo d\u00f5i s\u00e1t sao b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ef7 l\u1ec7 NPL, t\u1ef7 l\u1ec7 CASA v\u00e0 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp phi l\u00e3i<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n n\u00ean ph\u00e2n b\u1ed5 60% v\u1ed1n d\u1ef1 \u0111\u1ecbnh cho c\u1ed5 phi\u1ebfu MB Bank ngay trong qu\u00fd 4\/2024 \u1edf m\u1ee9c gi\u00e1 28.000-30.000 VND, 20% khi c\u00f3 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 27.000 VND, v\u00e0 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Lo\u1ea1i nh\u00e0 \u0111\u1ea7u t\u01b0<\/th><th>Khung th\u1eddi gian<\/th><th>Chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3<\/th><th>Qu\u1ea3n l\u00fd r\u1ee7i ro<\/th><th>M\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn<\/th><\/tr><\/thead><tbody><tr><td>D\u00e0i h\u1ea1n<\/td><td>2-5 n\u0103m<\/td><td>DCA + Mua d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb c\u01a1 b\u1ea3n<\/td><td>Ph\u00e2n b\u1ed5 danh m\u1ee5c h\u1ee3p l\u00fd, t\u1ed1i \u0111a 8%<\/td><td>18-22%\/n\u0103m<\/td><\/tr><tr><td>Trung h\u1ea1n<\/td><td>6-18 th\u00e1ng<\/td><td>Mua t\u1ea1i h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt + d\u1ef1a tr\u00ean s\u1ef1 ki\u1ec7n<\/td><td>C\u1eaft l\u1ed7 \u0111\u1ed9ng 12-15% d\u01b0\u1edbi gi\u00e1 mua<\/td><td>25-35% m\u1ed7i chu k\u1ef3<\/td><\/tr><tr><td>Ng\u1eafn h\u1ea1n<\/td><td>1-3 th\u00e1ng<\/td><td>B\u1ee9t ph\u00e1 + \u0111\u1ed9ng l\u01b0\u1ee3ng + th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng<\/td><td>C\u1eaft l\u1ed7 c\u1ee9ng 5-7%, R:R = 1:2.5<\/td><td>12-18% m\u1ed7i giao d\u1ecbch<\/td><\/tr><tr><td>Giao d\u1ecbch xoay v\u00f2ng<\/td><td>5-20 ng\u00e0y<\/td><td>H\u00e0nh \u0111\u1ed9ng gi\u00e1 + kh\u1ed1i l\u01b0\u1ee3ng + MA<\/td><td>C\u1eaft l\u1ed7 d\u01b0\u1edbi \u0111i\u1ec3m xoay, ch\u1ed1t l\u1eddi t\u1ea1i R1\/R2<\/td><td>5-10% m\u1ed7i l\u1ea7n xoay<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>So s\u00e1nh chi ti\u1ebft c\u1ed5 phi\u1ebfu MB Bank v\u1edbi 5 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1ecbnh v\u1ecb ch\u00ednh x\u00e1c c\u1ed5 phi\u1ebfu MB Bank, c\u1ea7n \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh so s\u00e1nh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp. So v\u1edbi 4 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u kh\u00e1c (VCB, TCB, ACB, VPB), MB Bank th\u1ec3 hi\u1ec7n nhi\u1ec1u \u0111i\u1ec3m m\u1ea1nh n\u1ed5i b\u1eadt v\u1ec1 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, trong khi v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 \u1edf m\u1ee9c h\u1ea5p d\u1eabn.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1ec1 kh\u1ea3 n\u0103ng sinh l\u1eddi, ROE 22% c\u1ee7a MB Bank ch\u1ec9 th\u1ea5p h\u01a1n m\u1ed9t ch\u00fat so v\u1edbi VCB (22,5%) nh\u01b0ng v\u01b0\u1ee3t tr\u1ed9i so v\u1edbi TCB (20,8%), ACB (19,5%) v\u00e0 VPB (17,8%). \u0110\u00e1ng ch\u00fa \u00fd, MB Bank \u0111\u1ea1t ROE cao trong khi duy tr\u00ec t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) 12,2% - cao h\u01a1n 2,2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u, cho th\u1ea5y s\u1ef1 c\u00e2n b\u1eb1ng t\u1ed1t gi\u1eefa hi\u1ec7u qu\u1ea3 v\u00e0 an to\u00e0n.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1 (Q3\/2024)<\/th><th>MBB<\/th><th>VCB<\/th><th>TCB<\/th><th>ACB<\/th><th>VPB<\/th><\/tr><\/thead><tbody><tr><td>P\/E (TTM)<\/td><td>8.5<\/td><td>16.2<\/td><td>9.1<\/td><td>7.8<\/td><td>10.2<\/td><\/tr><tr><td>P\/B<\/td><td>1.9<\/td><td>3.5<\/td><td>1.7<\/td><td>1.6<\/td><td>1.8<\/td><\/tr><tr><td>ROE (%)<\/td><td>22.0<\/td><td>22.5<\/td><td>20.8<\/td><td>19.5<\/td><td>17.8<\/td><\/tr><tr><td>NIM (%)<\/td><td>5.8<\/td><td>3.6<\/td><td>5.2<\/td><td>4.3<\/td><td>8.7<\/td><\/tr><tr><td>CIR (%)<\/td><td>35.2<\/td><td>28.6<\/td><td>30.5<\/td><td>44.1<\/td><td>22.3<\/td><\/tr><tr><td>T\u0103ng tr\u01b0\u1edfng L\u1ee3i nhu\u1eadn Tr\u01b0\u1edbc Thu\u1ebf 3 n\u0103m CAGR (%)<\/td><td>37.4<\/td><td>24.2<\/td><td>28.5<\/td><td>22.7<\/td><td>31.9<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 NPL (%)<\/td><td>1.2<\/td><td>1.0<\/td><td>1.4<\/td><td>1.6<\/td><td>3.8<\/td><\/tr><tr><td>LLR (%)<\/td><td>178<\/td><td>210<\/td><td>145<\/td><td>112<\/td><td>65<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1ec1 \u0111\u1ecbnh gi\u00e1, c\u1ed5 phi\u1ebfu MB Bank \u0111ang giao d\u1ecbch \u1edf m\u1ee9c P\/E 8,5 l\u1ea7n v\u00e0 P\/B 1,9 l\u1ea7n - m\u1ee9c h\u1ea5p d\u1eabn x\u00e9t theo t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn (t\u1ef7 l\u1ec7 PEG = 0,23). So v\u1edbi VCB v\u1edbi P\/E 16,2 l\u1ea7n v\u00e0 P\/B 3,5 l\u1ea7n, c\u1ed5 phi\u1ebfu MB Bank v\u1eabn c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng v\u1ec1 \u0111\u1ecbnh gi\u00e1. T\u1ef7 l\u1ec7 P\/E c\u1ee7a MBB th\u1ea5p h\u01a1n 10,5% so v\u1edbi trung b\u00ecnh ng\u00e0nh (9,5 l\u1ea7n), trong khi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao h\u01a1n 37,4%.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Pocket Option, l\u1ee3i th\u1ebf quan tr\u1ecdng nh\u1ea5t c\u1ee7a MB Bank l\u00e0 t\u1ed1c \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu. Trong khi thu nh\u1eadp phi l\u00e3i ch\u1ec9 chi\u1ebfm 25-30% t\u1ed5ng thu nh\u1eadp \u1edf h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c, con s\u1ed1 n\u00e0y t\u1ea1i MB Bank \u0111\u00e3 \u0111\u1ea1t 38,2% trong qu\u00fd 3\/2024, gi\u00fap ng\u00e2n h\u00e0ng \u00edt b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t v\u00e0 chu k\u1ef3 t\u00edn d\u1ee5ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch r\u1ee7i ro v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n theo d\u00f5i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u00f9 c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n nh\u1eadn di\u1ec7n \u0111\u1ea7y \u0111\u1ee7 5 nh\u00f3m r\u1ee7i ro ch\u00ednh \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank trong giai \u0111o\u1ea1n 2025-2026. C\u00e1c ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 s\u1ebd gi\u00fap b\u1ea3o v\u1ec7 v\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0 t\u1eadn d\u1ee5ng c\u01a1 h\u1ed9i khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>R\u1ee7i ro l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank l\u00e0 kh\u1ea3 n\u0103ng suy gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n khi n\u1ec1n kinh t\u1ebf ch\u1eadm l\u1ea1i. M\u1eb7c d\u00f9 MB Bank hi\u1ec7n c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p (1,2%) v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng cao (178%), \u00e1p l\u1ef1c t\u1eeb c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023\/TT-NHNN c\u00f3 th\u1ec3 gia t\u0103ng v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025 khi th\u1eddi gian \u00e2n h\u1ea1n k\u1ebft th\u00fac, \u0111\u1eb7c bi\u1ec7t trong c\u00e1c ng\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 s\u1ea3n xu\u1ea5t.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ee9 hai l\u00e0 r\u1ee7i ro c\u1ea1nh tranh kh\u1ed1c li\u1ec7t t\u1eeb c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1. M\u1eb7c d\u00f9 MB Bank \u0111\u00e3 \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o c\u00f4ng ngh\u1ec7, s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c \u0111\u1ed1i th\u1ee7 m\u1edbi v\u1edbi m\u00f4 h\u00ecnh kinh doanh \u0111\u1ed9t ph\u00e1 c\u00f3 th\u1ec3 l\u00e0m x\u00f3i m\u00f2n th\u1ecb ph\u1ea7n trong ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng tr\u1ebb v\u00e0 am hi\u1ec3u c\u00f4ng ngh\u1ec7 - hi\u1ec7n l\u00e0 th\u1ebf m\u1ea1nh c\u1ee7a MB Bank.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro ch\u00ednh s\u00e1ch: Th\u00f4ng t\u01b0 06\/2023\/TT-NHNN v\u1ec1 gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 an to\u00e0n s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ea7y \u0111\u1ee7 t\u1eeb ng\u00e0y 1\/1\/2025, c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ed9t s\u1ed1 ph\u00e2n kh\u00fac c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u01b0 cho vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro l\u00e3i su\u1ea5t: N\u1ebfu Fed ti\u1ebfp t\u1ee5c duy tr\u00ec l\u00e3i su\u1ea5t cao v\u00e0o n\u0103m 2025, NHNN c\u00f3 th\u1ec3 bu\u1ed9c ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u1ef7 gi\u00e1, l\u00e0m t\u0103ng chi ph\u00ed v\u1ed1n v\u00e0 gi\u1ea3m NIM c\u1ee7a MB Bank \u01b0\u1edbc t\u00ednh 0,4-0,6%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro th\u1ecb tr\u01b0\u1eddng: Trong tr\u01b0\u1eddng h\u1ee3p VN-Index \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh 15-20%, c\u1ed5 phi\u1ebfu MB Bank c\u00f3 th\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, m\u1eb7c d\u00f9 n\u1ec1n t\u1ea3ng c\u01a1 b\u1ea3n v\u1eabn v\u1eefng ch\u1eafc<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Pocket Option, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd \u0111\u1ebfn t\u1ef7 l\u1ec7 NPL v\u00e0 t\u1ef7 l\u1ec7 CASA h\u00e0ng qu\u00fd c\u1ee7a MB Bank. N\u1ebfu NPL t\u0103ng tr\u00ean 1,5% ho\u1eb7c CASA gi\u1ea3m d\u01b0\u1edbi 38% trong 2 qu\u00fd li\u00ean ti\u1ebfp, \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 t\u00edn hi\u1ec7u c\u1ea3nh b\u00e1o \u0111\u1ec3 c\u00e2n nh\u1eafc gi\u1ea3m t\u1ef7 tr\u1ecdng c\u1ed5 phi\u1ebfu MB Bank trong danh m\u1ee5c.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: \u0110\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n v\u00e0 tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 v\u0129 m\u00f4, c\u1ed5 phi\u1ebfu MB Bank cho th\u1ea5y ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i trong giai \u0111o\u1ea1n 2025-2026. MB Bank \u0111\u00e3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc v\u1edbi 4 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng: t\u1ef7 l\u1ec7 CASA cao nh\u1ea5t trong ng\u00e0nh (41,8%), h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n (ng\u00e2n h\u00e0ng-ch\u1ee9ng kho\u00e1n-b\u1ea3o hi\u1ec3m), chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t (NPL 1,2%, LLR 178%).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1edbi P\/E hi\u1ec7n t\u1ea1i l\u00e0 8,5 l\u1ea7n v\u00e0 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn 22-25% v\u00e0o n\u0103m 2025, c\u1ed5 phi\u1ebfu MB Bank \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn (PEG 0,23). Ph\u00e2n t\u00edch so s\u00e1nh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1 cho th\u1ea5y v\u1eabn c\u00f2n d\u01b0 \u0111\u1ecba t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 35.800-36.200 VND v\u00e0o cu\u1ed1i n\u0103m 2025.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng trung h\u1ea1n v\u1edbi m\u00f4 h\u00ecnh \"c\u1ed1c v\u00e0 tay c\u1ea7m\" \u0111\u00e3 ho\u00e0n th\u00e0nh, trong khi c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 thu\u1eadn l\u1ee3i (t\u0103ng tr\u01b0\u1edfng GDP 6,5%, l\u00e3i su\u1ea5t gi\u1ea3m, h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng 16%) t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option \u0111\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu MB Bank l\u00e0 \"Mua t\u00edch c\u1ef1c\" cho \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u00e0 \"T\u00edch l\u0169y\" cho \u0111\u1ea7u t\u01b0 trung h\u1ea1n. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u l\u00e0 ph\u00e2n b\u1ed5 60% v\u1ed1n \u1edf m\u1ee9c gi\u00e1 28.000-30.000 VND trong qu\u00fd 4\/2024, 20% khi \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 27.000 VND, v\u00e0 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u00f9 c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eabn c\u1ea7n th\u1eadn tr\u1ecdng v\u1edbi c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 c\u1ea1nh tranh trong ng\u00e0nh. Theo d\u00f5i s\u00e1t sao b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ef7 l\u1ec7 NPL, t\u1ef7 l\u1ec7 CASA v\u00e0 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp phi l\u00e3i s\u1ebd gi\u00fap \u0111i\u1ec1u ch\u1ec9nh k\u1ecbp th\u1eddi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n v\u1edbi c\u1ed5 phi\u1ebfu MB Bank.<\/p><\/div>","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u1ed5ng quan v\u1ec1 c\u1ed5 phi\u1ebfu MB Bank v\u00e0 v\u1ecb th\u1ebf hi\u1ec7n t\u1ea1i tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu MB Bank (m\u00e3: MBB) thu\u1ed9c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Qu\u00e2n \u0111\u1ed9i, m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 1994 v\u00e0 ni\u00eam y\u1ebft tr\u00ean HOSE t\u1eeb n\u0103m 2011. T\u00ednh \u0111\u1ebfn th\u00e1ng 10 n\u0103m 2024, MB Bank x\u1ebfp th\u1ee9 4 v\u1ec1 t\u1ed5ng t\u00e0i s\u1ea3n (780.000 t\u1ef7 VND) v\u00e0 th\u1ee9 5 v\u1ec1 v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (95.000 t\u1ef7 VND) trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t gi\u1ea3m v\u00e0 nhu c\u1ea7u t\u00edn d\u1ee5ng m\u1ea1nh m\u1ebd, c\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u01b0\u1ee3t tr\u1ed9i v\u1edbi t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn cao h\u01a1n 22,5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. \u0110\u1eb7c bi\u1ec7t, MB Bank l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt ng\u00e2n h\u00e0ng duy tr\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u d\u01b0\u1edbi 1,2% gi\u1eefa \u00e1p l\u1ef1c gia t\u0103ng n\u1ee3 x\u1ea5u trong to\u00e0n ng\u00e0nh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo d\u1eef li\u1ec7u nghi\u00ean c\u1ee9u m\u1edbi nh\u1ea5t t\u1eeb Pocket Option, c\u1ed5 phi\u1ebfu MB Bank c\u00f3 t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m k\u00e9p (CAGR) l\u00ean t\u1edbi 32,8% trong 5 n\u0103m qua, cao h\u01a1n 18,3% so v\u1edbi trung b\u00ecnh ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 b\u1eb1ng ch\u1ee9ng r\u00f5 r\u00e0ng v\u1ec1 chi\u1ebfn l\u01b0\u1ee3c kinh doanh hi\u1ec7u qu\u1ea3 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro xu\u1ea5t s\u1eafc c\u1ee7a ban l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1<\/th>\n<th>Gi\u00e1 tr\u1ecb (10\/2024)<\/th>\n<th>So v\u1edbi trung b\u00ecnh ng\u00e0nh<\/th>\n<th>Xu h\u01b0\u1edbng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>V\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng<\/td>\n<td>120.000 t\u1ef7 VND<\/td>\n<td>Cao h\u01a1n 35%<\/td>\n<td>T\u0103ng<\/td>\n<\/tr>\n<tr>\n<td>P\/E<\/td>\n<td>8.5<\/td>\n<td>Th\u1ea5p h\u01a1n 10%<\/td>\n<td>\u1ed4n \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>22%<\/td>\n<td>Cao h\u01a1n 25%<\/td>\n<td>T\u0103ng<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL)<\/td>\n<td>1.2%<\/td>\n<td>Th\u1ea5p h\u01a1n 30%<\/td>\n<td>Gi\u1ea3m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u1ed5 phi\u1ebfu MB Bank: T\u1eeb b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u1ebfn d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu MB Bank n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c ph\u00e2n t\u00edch b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd 3\/2024. D\u1eef li\u1ec7u cho th\u1ea5y MB Bank \u0111\u1ea1t l\u1ee3i nhu\u1eadn 17.200 t\u1ef7 VND trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m, t\u0103ng 30,2% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2023. \u0110\u00e1ng ch\u00fa \u00fd, thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 \u0111\u1ea1t 6.800 t\u1ef7 VND, t\u0103ng 42,3%, ph\u1ea3n \u00e1nh th\u00e0nh c\u00f4ng trong chi\u1ebfn l\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh n\u1ed5i b\u1eadt v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Hi\u1ec7n t\u1ea1i, MB Bank \u0111\u1ea1t ROE 22% &#8211; cao nh\u1ea5t trong nh\u00f3m Big5 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam. \u0110i\u1ec1u \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e3 duy tr\u00ec t\u1ef7 l\u1ec7 n\u00e0y trong 12 qu\u00fd li\u00ean ti\u1ebfp, th\u1ec3 hi\u1ec7n s\u1ef1 \u1ed5n \u0111\u1ecbnh trong m\u00f4 h\u00ecnh kinh doanh. T\u1ef7 l\u1ec7 CASA (t\u00e0i kho\u1ea3n thanh to\u00e1n ti\u1ebft ki\u1ec7m) \u0111\u1ea1t 41,8% &#8211; cao nh\u1ea5t trong ng\u00e0nh, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1ed1n v\u00e0 t\u0103ng bi\u00ean l\u00e3i r\u00f2ng (NIM) l\u00ean 5,8%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>N\u0103m<\/th>\n<th>L\u1ee3i nhu\u1eadn (t\u1ef7 VND)<\/th>\n<th>T\u0103ng tr\u01b0\u1edfng (%)<\/th>\n<th>ROE (%)<\/th>\n<th>NIM (%)<\/th>\n<th>CASA (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2020<\/td>\n<td>8.500<\/td>\n<td>6.5<\/td>\n<td>19.1<\/td>\n<td>4.3<\/td>\n<td>34.2<\/td>\n<\/tr>\n<tr>\n<td>2021<\/td>\n<td>12.400<\/td>\n<td>45.9<\/td>\n<td>23.5<\/td>\n<td>5.1<\/td>\n<td>38.7<\/td>\n<\/tr>\n<tr>\n<td>2022<\/td>\n<td>16.500<\/td>\n<td>33.1<\/td>\n<td>24.2<\/td>\n<td>5.4<\/td>\n<td>40.2<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>22.300<\/td>\n<td>35.2<\/td>\n<td>25.1<\/td>\n<td>5.8<\/td>\n<td>41.5<\/td>\n<\/tr>\n<tr>\n<td>2024 (d\u1ef1 ki\u1ebfn)<\/td>\n<td>28.500<\/td>\n<td>27.8<\/td>\n<td>23.8<\/td>\n<td>5.6<\/td>\n<td>41.8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1edbi t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u ch\u1ec9 1,2% v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng (LLR) l\u00ean t\u1edbi 178% &#8211; cao th\u1ee9 hai trong ng\u00e0nh ng\u00e2n h\u00e0ng, MB Bank \u0111\u00e3 t\u1ea1o ra m\u1ed9t l\u1edbp \u0111\u1ec7m v\u1eefng ch\u1eafc ch\u1ed1ng l\u1ea1i c\u00e1c r\u1ee7i ro t\u00edn d\u1ee5ng ti\u1ec1m \u1ea9n. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong b\u1ed1i c\u1ea3nh n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u th\u00e1ch th\u1ee9c v\u00e0o n\u0103m 2025.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c chuy\u00ean gia t\u1ea1i Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng MB Bank l\u00e0 ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 94% giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh s\u1ed1, gi\u00fap gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng 32% trong 3 n\u0103m qua. \u1ee8ng d\u1ee5ng MBBank hi\u1ec7n c\u00f3 12,7 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng (MAU), t\u0103ng 28% so v\u1edbi n\u0103m 2023, mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u01b0\u1ee3t tr\u1ed9i v\u1ec1 chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu MB Bank: M\u00f4 h\u00ecnh gi\u00e1 v\u00e0 d\u1ef1 b\u00e1o xu h\u01b0\u1edbng 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt c\u1ee7a c\u1ed5 phi\u1ebfu MB Bank t\u1eeb th\u00e1ng 6\/2024 \u0111\u1ebfn nay cho th\u1ea5y xu h\u01b0\u1edbng t\u0103ng r\u00f5 r\u1ec7t v\u1edbi \u0111\u01b0\u1eddng gi\u00e1 n\u1eb1m tr\u00ean c\u1ea3 \u0111\u01b0\u1eddng MA50 v\u00e0 MA200. Quan tr\u1ecdng h\u01a1n, kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh 10 phi\u00ean \u0111\u1ea1t 4,7 tri\u1ec7u c\u1ed5 phi\u1ebfu\/phi\u00ean, cao h\u01a1n 34% so v\u1edbi trung b\u00ecnh 3 th\u00e1ng tr\u01b0\u1edbc, x\u00e1c nh\u1eadn s\u1ee9c m\u1ea1nh c\u1ee7a xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Ph\u00e2n t\u00edch m\u00f4 h\u00ecnh gi\u00e1 v\u00e0 c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3-kh\u00e1ng c\u1ef1 quan tr\u1ecdng<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 ho\u00e0n th\u00e0nh m\u00f4 h\u00ecnh &#8220;c\u1ed1c v\u00e0 tay c\u1ea7m&#8221; v\u00e0o th\u00e1ng 9\/2024 sau 5 th\u00e1ng h\u00ecnh th\u00e0nh. S\u1ef1 b\u1ee9t ph\u00e1 x\u1ea3y ra \u1edf m\u1ee9c 30.500 VND v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch g\u1ea5p 2,8 l\u1ea7n trung b\u00ecnh, g\u1eedi t\u00edn hi\u1ec7u mua m\u1ea1nh. M\u00f4 h\u00ecnh n\u00e0y th\u01b0\u1eddng c\u00f3 \u0111\u1ed9 tin c\u1eady cao, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 d\u1ef1 ki\u1ebfn l\u00e0 38.200 VND (t\u0103ng 25% t\u1eeb \u0111i\u1ec3m b\u1ee9t ph\u00e1).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch Fibonacci cho th\u1ea5y c\u1ed5 phi\u1ebfu MB Bank \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng h\u1ed7 tr\u1ee3 0.382 t\u1ea1i 27.800 VND v\u00e0o th\u00e1ng 10\/2024 v\u00e0 \u0111\u00e3 ph\u1ea3n \u1ee9ng t\u00edch c\u1ef1c, th\u1ec3 hi\u1ec7n s\u1ee9c m\u1ea1nh c\u1ee7a xu h\u01b0\u1edbng t\u0103ng. Theo c\u00e1c chuy\u00ean gia Pocket Option, \u0111\u00e2y l\u00e0 \u0111i\u1ec3m v\u00e0o l\u00fd t\u01b0\u1edfng v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro\/l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn 1:3.5 cho chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 trung h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh: 26.800 &#8211; 27.200 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi Fibonacci 0.5)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng h\u1ed7 tr\u1ee3 trung b\u00ecnh: 27.900 &#8211; 28.200 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi MA50)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 g\u1ea7n: 32.400 &#8211; 32.800 VND (\u0111\u1ec9nh th\u00e1ng 9\/2024)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 m\u1ea1nh: 35.800 &#8211; 36.200 VND (m\u1ee5c ti\u00eau k\u1ef9 thu\u1eadt c\u1ee7a m\u00f4 h\u00ecnh)<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ch\u1ec9 b\u00e1o RSI(14) hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 62.5 &#8211; v\u00f9ng trung l\u1eadp nh\u01b0ng nghi\u00eang v\u1ec1 t\u00edch c\u1ef1c, ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 mua (&gt;70). MACD n\u1eb1m tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u v\u00e0 h\u00ecnh th\u00e0nh histogram t\u0103ng, x\u00e1c nh\u1eadn \u0111\u1ed9ng l\u1ef1c t\u0103ng ng\u1eafn h\u1ea1n. \u0110\u00e1ng ch\u00fa \u00fd, d\u1ea3i Bollinger \u0111ang m\u1edf r\u1ed9ng v\u1edbi gi\u00e1 ti\u1ebfn g\u1ea7n d\u1ea3i tr\u00ean, th\u01b0\u1eddng b\u00e1o hi\u1ec7u m\u1ed9t xu h\u01b0\u1edbng t\u0103ng m\u1ea1nh s\u1eafp x\u1ea3y ra.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt<\/th>\n<th>Gi\u00e1 tr\u1ecb (10\/2024)<\/th>\n<th>T\u00edn hi\u1ec7u<\/th>\n<th>\u0110\u1ed9 tin c\u1eady (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RSI (14)<\/td>\n<td>62.5<\/td>\n<td>T\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td>\n<td>75<\/td>\n<\/tr>\n<tr>\n<td>MACD<\/td>\n<td>+0.35<\/td>\n<td>Mua<\/td>\n<td>82<\/td>\n<\/tr>\n<tr>\n<td>Bollinger Bands<\/td>\n<td>Gi\u00e1 g\u1ea7n d\u1ea3i tr\u00ean<\/td>\n<td>Theo d\u00f5i b\u1ee9t ph\u00e1<\/td>\n<td>70<\/td>\n<\/tr>\n<tr>\n<td>MA 50\/200<\/td>\n<td>Golden Cross (t\u1eeb 8\/2024)<\/td>\n<td>Mua d\u00e0i h\u1ea1n<\/td>\n<td>88<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tri\u1ec3n v\u1ecdng c\u1ee7a c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025 ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh m\u1ebd b\u1edfi 5 y\u1ebfu t\u1ed1 v\u0129 m\u00f4 ch\u00ednh c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam. Th\u1ee9 nh\u1ea5t, GDP d\u1ef1 ki\u1ebfn t\u0103ng tr\u01b0\u1edfng 6,5% v\u00e0o n\u0103m 2025, cao h\u01a1n m\u1ee9c 6,0% c\u1ee7a n\u0103m 2024, t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho m\u1edf r\u1ed9ng t\u00edn d\u1ee5ng v\u00e0 c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ee9 hai, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 c\u1ee7a NHNN \u0111ang c\u00f3 xu h\u01b0\u1edbng n\u1edbi l\u1ecfng v\u1edbi 3 l\u1ea7n c\u1eaft gi\u1ea3m l\u00e3i su\u1ea5t ch\u1ee7 ch\u1ed1t t\u1eeb qu\u00fd 4\/2023, d\u1ef1 ki\u1ebfn gi\u1ea3m th\u00eam 0,5-1% v\u00e0o n\u0103m 2025. \u0110i\u1ec1u n\u00e0y tr\u1ef1c ti\u1ebfp gi\u00fap MB Bank gi\u1ea3m chi ph\u00ed v\u1ed1n v\u00e0 t\u0103ng bi\u00ean l\u00e3i r\u00f2ng th\u00eam 0,3-0,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1.800-2.200 t\u1ef7 VND l\u1ee3i nhu\u1eadn b\u1ed5 sung.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: NHNN \u0111\u00e3 ph\u00ea duy\u1ec7t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng 16% cho MB Bank v\u00e0o n\u0103m 2025, cao h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh 14%, ph\u1ea3n \u00e1nh s\u1ef1 tin t\u01b0\u1edfng c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0o ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 gi\u00e1 USD\/VND: D\u1ef1 b\u00e1o t\u0103ng 2-3% v\u00e0o n\u0103m 2025 do \u00e1p l\u1ef1c t\u1eeb USD m\u1ea1nh l\u00ean, nh\u01b0ng MB Bank c\u00f3 v\u1ecb th\u1ebf ngo\u1ea1i t\u1ec7 h\u01a1i d\u01b0\u01a1ng n\u00ean s\u1ebd h\u01b0\u1edfng l\u1ee3i kho\u1ea3ng 350-420 t\u1ef7 VND<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ch\u01b0\u01a1ng tr\u00ecnh IPO doanh nghi\u1ec7p nh\u00e0 n\u01b0\u1edbc: K\u1ebf ho\u1ea1ch IPO 5 t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0o n\u0103m 2025 s\u1ebd t\u1ea1o c\u01a1 h\u1ed9i cho MB Bank m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh doanh nghi\u1ec7p, d\u1ef1 ki\u1ebfn \u0111\u00f3ng g\u00f3p th\u00eam 600-800 t\u1ef7 VND v\u00e0o thu nh\u1eadp d\u1ecbch v\u1ee5<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Y\u1ebfu t\u1ed1 v\u0129 m\u00f4<\/th>\n<th>D\u1ef1 b\u00e1o 2025<\/th>\n<th>T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB Bank<\/th>\n<th>M\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng GDP<\/td>\n<td>6.5%<\/td>\n<td>T\u00edch c\u1ef1c: T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 22%<\/td>\n<td>Cao<\/td>\n<\/tr>\n<tr>\n<td>L\u1ea1m ph\u00e1t<\/td>\n<td>3.8%<\/td>\n<td>Trung l\u1eadp: V\u1eabn trong t\u1ea7m ki\u1ec3m so\u00e1t<\/td>\n<td>Trung b\u00ecnh<\/td>\n<\/tr>\n<tr>\n<td>L\u00e3i su\u1ea5t ch\u00ednh s\u00e1ch<\/td>\n<td>Gi\u1ea3m 0.5-1%<\/td>\n<td>T\u00edch c\u1ef1c: T\u0103ng NIM 0.3-0.4%<\/td>\n<td>Cao<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td>\n<td>16% (ri\u00eang MB)<\/td>\n<td>T\u00edch c\u1ef1c: V\u01b0\u1ee3t tr\u1ed9i ng\u00e0nh (14%)<\/td>\n<td>R\u1ea5t cao<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 gi\u00e1 USD\/VND<\/td>\n<td>T\u0103ng 2-3%<\/td>\n<td>H\u01a1i t\u00edch c\u1ef1c: +350-420 t\u1ef7 l\u1ee3i nhu\u1eadn<\/td>\n<td>Th\u1ea5p<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo ph\u00e2n t\u00edch c\u1ee7a Pocket Option, y\u1ebfu t\u1ed1 v\u0129 m\u00f4 quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank l\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a NHNN n\u00e2ng h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00ean 16% cho MB Bank v\u00e0o qu\u00fd 1\/2025. \u0110i\u1ec1u n\u00e0y s\u1ebd t\u1ea1o l\u1ee3i th\u1ebf \u0111\u1eb7c bi\u1ec7t cho ng\u00e2n h\u00e0ng trong vi\u1ec7c m\u1edf r\u1ed9ng th\u1ecb ph\u1ea7n, \u0111\u1eb7c bi\u1ec7t \u1edf c\u00e1c ph\u00e2n kh\u00fac c\u00f3 bi\u00ean l\u1ee3i nhu\u1eadn cao nh\u01b0 b\u00e1n l\u1ebb v\u00e0 SME.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu MB Bank theo ph\u00e2n \u0111o\u1ea1n th\u1eddi gian v\u00e0 kh\u1ea9u v\u1ecb r\u1ee7i ro<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 v\u0129 m\u00f4, ch\u00fang t\u00f4i \u0111\u1ec1 xu\u1ea5t chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 chi ti\u1ebft cho c\u1ed5 phi\u1ebfu MB Bank cho 4 nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi khung th\u1eddi gian v\u00e0 kh\u1ea9u v\u1ecb r\u1ee7i ro kh\u00e1c nhau. M\u1ed7i chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1edbi c\u00e1c ng\u01b0\u1ee1ng mua-b\u00e1n c\u1ee5 th\u1ec3 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 2 n\u0103m) v\u1edbi c\u1ed5 phi\u1ebfu MB Bank<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, c\u1ed5 phi\u1ebfu MB Bank l\u00e0 m\u1ed9t kho\u1ea3n n\u1eafm gi\u1eef c\u1ed1t l\u00f5i trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 ng\u00e0nh ng\u00e2n h\u00e0ng. Ph\u01b0\u01a1ng ph\u00e1p trung b\u00ecnh gi\u00e1 (DCA) k\u1ebft h\u1ee3p v\u1edbi chi\u1ebfn l\u01b0\u1ee3c &#8220;mua v\u00e0 theo d\u00f5i \u0111i\u1ec1u ki\u1ec7n&#8221; s\u1ebd mang l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1i \u01b0u, v\u1edbi m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng k\u00e9p 18-22% m\u1ed7i n\u0103m (bao g\u1ed3m c\u1ed5 t\u1ee9c).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng h\u1ee3p l\u00fd: 5-8% t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 15% ngay c\u1ea3 trong \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i nh\u1ea5t<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m mua t\u1ed1i \u01b0u: T\u00edch l\u0169y t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh (26.800-27.200 VND) ho\u1eb7c khi P\/B &lt; 1.7 l\u1ea7n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m c\u00e2n nh\u1eafc b\u00e1n: Khi ROE gi\u1ea3m d\u01b0\u1edbi 18% trong 2 qu\u00fd li\u00ean ti\u1ebfp ho\u1eb7c khi P\/B &gt; 2.5 l\u1ea7n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110i\u1ec3m t\u00e1i \u0111\u00e1nh gi\u00e1: Theo d\u00f5i s\u00e1t sao b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ef7 l\u1ec7 NPL, t\u1ef7 l\u1ec7 CASA v\u00e0 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp phi l\u00e3i<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n n\u00ean ph\u00e2n b\u1ed5 60% v\u1ed1n d\u1ef1 \u0111\u1ecbnh cho c\u1ed5 phi\u1ebfu MB Bank ngay trong qu\u00fd 4\/2024 \u1edf m\u1ee9c gi\u00e1 28.000-30.000 VND, 20% khi c\u00f3 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 27.000 VND, v\u00e0 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Lo\u1ea1i nh\u00e0 \u0111\u1ea7u t\u01b0<\/th>\n<th>Khung th\u1eddi gian<\/th>\n<th>Chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3<\/th>\n<th>Qu\u1ea3n l\u00fd r\u1ee7i ro<\/th>\n<th>M\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>D\u00e0i h\u1ea1n<\/td>\n<td>2-5 n\u0103m<\/td>\n<td>DCA + Mua d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb c\u01a1 b\u1ea3n<\/td>\n<td>Ph\u00e2n b\u1ed5 danh m\u1ee5c h\u1ee3p l\u00fd, t\u1ed1i \u0111a 8%<\/td>\n<td>18-22%\/n\u0103m<\/td>\n<\/tr>\n<tr>\n<td>Trung h\u1ea1n<\/td>\n<td>6-18 th\u00e1ng<\/td>\n<td>Mua t\u1ea1i h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt + d\u1ef1a tr\u00ean s\u1ef1 ki\u1ec7n<\/td>\n<td>C\u1eaft l\u1ed7 \u0111\u1ed9ng 12-15% d\u01b0\u1edbi gi\u00e1 mua<\/td>\n<td>25-35% m\u1ed7i chu k\u1ef3<\/td>\n<\/tr>\n<tr>\n<td>Ng\u1eafn h\u1ea1n<\/td>\n<td>1-3 th\u00e1ng<\/td>\n<td>B\u1ee9t ph\u00e1 + \u0111\u1ed9ng l\u01b0\u1ee3ng + th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng<\/td>\n<td>C\u1eaft l\u1ed7 c\u1ee9ng 5-7%, R:R = 1:2.5<\/td>\n<td>12-18% m\u1ed7i giao d\u1ecbch<\/td>\n<\/tr>\n<tr>\n<td>Giao d\u1ecbch xoay v\u00f2ng<\/td>\n<td>5-20 ng\u00e0y<\/td>\n<td>H\u00e0nh \u0111\u1ed9ng gi\u00e1 + kh\u1ed1i l\u01b0\u1ee3ng + MA<\/td>\n<td>C\u1eaft l\u1ed7 d\u01b0\u1edbi \u0111i\u1ec3m xoay, ch\u1ed1t l\u1eddi t\u1ea1i R1\/R2<\/td>\n<td>5-10% m\u1ed7i l\u1ea7n xoay<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>So s\u00e1nh chi ti\u1ebft c\u1ed5 phi\u1ebfu MB Bank v\u1edbi 5 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1ecbnh v\u1ecb ch\u00ednh x\u00e1c c\u1ed5 phi\u1ebfu MB Bank, c\u1ea7n \u0111\u1eb7t trong b\u1ed1i c\u1ea3nh so s\u00e1nh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp. So v\u1edbi 4 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u kh\u00e1c (VCB, TCB, ACB, VPB), MB Bank th\u1ec3 hi\u1ec7n nhi\u1ec1u \u0111i\u1ec3m m\u1ea1nh n\u1ed5i b\u1eadt v\u1ec1 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, trong khi v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 \u1edf m\u1ee9c h\u1ea5p d\u1eabn.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1ec1 kh\u1ea3 n\u0103ng sinh l\u1eddi, ROE 22% c\u1ee7a MB Bank ch\u1ec9 th\u1ea5p h\u01a1n m\u1ed9t ch\u00fat so v\u1edbi VCB (22,5%) nh\u01b0ng v\u01b0\u1ee3t tr\u1ed9i so v\u1edbi TCB (20,8%), ACB (19,5%) v\u00e0 VPB (17,8%). \u0110\u00e1ng ch\u00fa \u00fd, MB Bank \u0111\u1ea1t ROE cao trong khi duy tr\u00ec t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) 12,2% &#8211; cao h\u01a1n 2,2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u, cho th\u1ea5y s\u1ef1 c\u00e2n b\u1eb1ng t\u1ed1t gi\u1eefa hi\u1ec7u qu\u1ea3 v\u00e0 an to\u00e0n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1 (Q3\/2024)<\/th>\n<th>MBB<\/th>\n<th>VCB<\/th>\n<th>TCB<\/th>\n<th>ACB<\/th>\n<th>VPB<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P\/E (TTM)<\/td>\n<td>8.5<\/td>\n<td>16.2<\/td>\n<td>9.1<\/td>\n<td>7.8<\/td>\n<td>10.2<\/td>\n<\/tr>\n<tr>\n<td>P\/B<\/td>\n<td>1.9<\/td>\n<td>3.5<\/td>\n<td>1.7<\/td>\n<td>1.6<\/td>\n<td>1.8<\/td>\n<\/tr>\n<tr>\n<td>ROE (%)<\/td>\n<td>22.0<\/td>\n<td>22.5<\/td>\n<td>20.8<\/td>\n<td>19.5<\/td>\n<td>17.8<\/td>\n<\/tr>\n<tr>\n<td>NIM (%)<\/td>\n<td>5.8<\/td>\n<td>3.6<\/td>\n<td>5.2<\/td>\n<td>4.3<\/td>\n<td>8.7<\/td>\n<\/tr>\n<tr>\n<td>CIR (%)<\/td>\n<td>35.2<\/td>\n<td>28.6<\/td>\n<td>30.5<\/td>\n<td>44.1<\/td>\n<td>22.3<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng L\u1ee3i nhu\u1eadn Tr\u01b0\u1edbc Thu\u1ebf 3 n\u0103m CAGR (%)<\/td>\n<td>37.4<\/td>\n<td>24.2<\/td>\n<td>28.5<\/td>\n<td>22.7<\/td>\n<td>31.9<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 NPL (%)<\/td>\n<td>1.2<\/td>\n<td>1.0<\/td>\n<td>1.4<\/td>\n<td>1.6<\/td>\n<td>3.8<\/td>\n<\/tr>\n<tr>\n<td>LLR (%)<\/td>\n<td>178<\/td>\n<td>210<\/td>\n<td>145<\/td>\n<td>112<\/td>\n<td>65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1ec1 \u0111\u1ecbnh gi\u00e1, c\u1ed5 phi\u1ebfu MB Bank \u0111ang giao d\u1ecbch \u1edf m\u1ee9c P\/E 8,5 l\u1ea7n v\u00e0 P\/B 1,9 l\u1ea7n &#8211; m\u1ee9c h\u1ea5p d\u1eabn x\u00e9t theo t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn (t\u1ef7 l\u1ec7 PEG = 0,23). So v\u1edbi VCB v\u1edbi P\/E 16,2 l\u1ea7n v\u00e0 P\/B 3,5 l\u1ea7n, c\u1ed5 phi\u1ebfu MB Bank v\u1eabn c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng v\u1ec1 \u0111\u1ecbnh gi\u00e1. T\u1ef7 l\u1ec7 P\/E c\u1ee7a MBB th\u1ea5p h\u01a1n 10,5% so v\u1edbi trung b\u00ecnh ng\u00e0nh (9,5 l\u1ea7n), trong khi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao h\u01a1n 37,4%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Pocket Option, l\u1ee3i th\u1ebf quan tr\u1ecdng nh\u1ea5t c\u1ee7a MB Bank l\u00e0 t\u1ed1c \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu. Trong khi thu nh\u1eadp phi l\u00e3i ch\u1ec9 chi\u1ebfm 25-30% t\u1ed5ng thu nh\u1eadp \u1edf h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c, con s\u1ed1 n\u00e0y t\u1ea1i MB Bank \u0111\u00e3 \u0111\u1ea1t 38,2% trong qu\u00fd 3\/2024, gi\u00fap ng\u00e2n h\u00e0ng \u00edt b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t v\u00e0 chu k\u1ef3 t\u00edn d\u1ee5ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch r\u1ee7i ro v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n theo d\u00f5i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u00f9 c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n nh\u1eadn di\u1ec7n \u0111\u1ea7y \u0111\u1ee7 5 nh\u00f3m r\u1ee7i ro ch\u00ednh \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank trong giai \u0111o\u1ea1n 2025-2026. C\u00e1c ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 s\u1ebd gi\u00fap b\u1ea3o v\u1ec7 v\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0 t\u1eadn d\u1ee5ng c\u01a1 h\u1ed9i khi th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>R\u1ee7i ro l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu MB Bank l\u00e0 kh\u1ea3 n\u0103ng suy gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n khi n\u1ec1n kinh t\u1ebf ch\u1eadm l\u1ea1i. M\u1eb7c d\u00f9 MB Bank hi\u1ec7n c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p (1,2%) v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng cao (178%), \u00e1p l\u1ef1c t\u1eeb c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023\/TT-NHNN c\u00f3 th\u1ec3 gia t\u0103ng v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025 khi th\u1eddi gian \u00e2n h\u1ea1n k\u1ebft th\u00fac, \u0111\u1eb7c bi\u1ec7t trong c\u00e1c ng\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 s\u1ea3n xu\u1ea5t.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ee9 hai l\u00e0 r\u1ee7i ro c\u1ea1nh tranh kh\u1ed1c li\u1ec7t t\u1eeb c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1. M\u1eb7c d\u00f9 MB Bank \u0111\u00e3 \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o c\u00f4ng ngh\u1ec7, s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c \u0111\u1ed1i th\u1ee7 m\u1edbi v\u1edbi m\u00f4 h\u00ecnh kinh doanh \u0111\u1ed9t ph\u00e1 c\u00f3 th\u1ec3 l\u00e0m x\u00f3i m\u00f2n th\u1ecb ph\u1ea7n trong ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng tr\u1ebb v\u00e0 am hi\u1ec3u c\u00f4ng ngh\u1ec7 &#8211; hi\u1ec7n l\u00e0 th\u1ebf m\u1ea1nh c\u1ee7a MB Bank.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro ch\u00ednh s\u00e1ch: Th\u00f4ng t\u01b0 06\/2023\/TT-NHNN v\u1ec1 gi\u1edbi h\u1ea1n v\u00e0 t\u1ef7 l\u1ec7 an to\u00e0n s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ea7y \u0111\u1ee7 t\u1eeb ng\u00e0y 1\/1\/2025, c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ed9t s\u1ed1 ph\u00e2n kh\u00fac c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u01b0 cho vay ti\u00eau d\u00f9ng kh\u00f4ng c\u00f3 t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro l\u00e3i su\u1ea5t: N\u1ebfu Fed ti\u1ebfp t\u1ee5c duy tr\u00ec l\u00e3i su\u1ea5t cao v\u00e0o n\u0103m 2025, NHNN c\u00f3 th\u1ec3 bu\u1ed9c ph\u1ea3i t\u0103ng l\u00e3i su\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u1ef7 gi\u00e1, l\u00e0m t\u0103ng chi ph\u00ed v\u1ed1n v\u00e0 gi\u1ea3m NIM c\u1ee7a MB Bank \u01b0\u1edbc t\u00ednh 0,4-0,6%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro th\u1ecb tr\u01b0\u1eddng: Trong tr\u01b0\u1eddng h\u1ee3p VN-Index \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh 15-20%, c\u1ed5 phi\u1ebfu MB Bank c\u00f3 th\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, m\u1eb7c d\u00f9 n\u1ec1n t\u1ea3ng c\u01a1 b\u1ea3n v\u1eabn v\u1eefng ch\u1eafc<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a Pocket Option, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd \u0111\u1ebfn t\u1ef7 l\u1ec7 NPL v\u00e0 t\u1ef7 l\u1ec7 CASA h\u00e0ng qu\u00fd c\u1ee7a MB Bank. N\u1ebfu NPL t\u0103ng tr\u00ean 1,5% ho\u1eb7c CASA gi\u1ea3m d\u01b0\u1edbi 38% trong 2 qu\u00fd li\u00ean ti\u1ebfp, \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0 t\u00edn hi\u1ec7u c\u1ea3nh b\u00e1o \u0111\u1ec3 c\u00e2n nh\u1eafc gi\u1ea3m t\u1ef7 tr\u1ecdng c\u1ed5 phi\u1ebfu MB Bank trong danh m\u1ee5c.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: \u0110\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n v\u00e0 tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu MB Bank n\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, k\u1ef9 thu\u1eadt v\u00e0 v\u0129 m\u00f4, c\u1ed5 phi\u1ebfu MB Bank cho th\u1ea5y ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i trong giai \u0111o\u1ea1n 2025-2026. MB Bank \u0111\u00e3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc v\u1edbi 4 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng: t\u1ef7 l\u1ec7 CASA cao nh\u1ea5t trong ng\u00e0nh (41,8%), h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n (ng\u00e2n h\u00e0ng-ch\u1ee9ng kho\u00e1n-b\u1ea3o hi\u1ec3m), chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t (NPL 1,2%, LLR 178%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1edbi P\/E hi\u1ec7n t\u1ea1i l\u00e0 8,5 l\u1ea7n v\u00e0 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn 22-25% v\u00e0o n\u0103m 2025, c\u1ed5 phi\u1ebfu MB Bank \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn (PEG 0,23). Ph\u00e2n t\u00edch so s\u00e1nh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1 cho th\u1ea5y v\u1eabn c\u00f2n d\u01b0 \u0111\u1ecba t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 35.800-36.200 VND v\u00e0o cu\u1ed1i n\u0103m 2025.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng trung h\u1ea1n v\u1edbi m\u00f4 h\u00ecnh &#8220;c\u1ed1c v\u00e0 tay c\u1ea7m&#8221; \u0111\u00e3 ho\u00e0n th\u00e0nh, trong khi c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 thu\u1eadn l\u1ee3i (t\u0103ng tr\u01b0\u1edfng GDP 6,5%, l\u00e3i su\u1ea5t gi\u1ea3m, h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng 16%) t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option \u0111\u00e1nh gi\u00e1 c\u1ed5 phi\u1ebfu MB Bank l\u00e0 &#8220;Mua t\u00edch c\u1ef1c&#8221; cho \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u00e0 &#8220;T\u00edch l\u0169y&#8221; cho \u0111\u1ea7u t\u01b0 trung h\u1ea1n. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ed1i \u01b0u l\u00e0 ph\u00e2n b\u1ed5 60% v\u1ed1n \u1edf m\u1ee9c gi\u00e1 28.000-30.000 VND trong qu\u00fd 4\/2024, 20% khi \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 27.000 VND, v\u00e0 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u00f9 c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eabn c\u1ea7n th\u1eadn tr\u1ecdng v\u1edbi c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 c\u1ea1nh tranh trong ng\u00e0nh. Theo d\u00f5i s\u00e1t sao b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1ef7 l\u1ec7 NPL, t\u1ef7 l\u1ec7 CASA v\u00e0 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp phi l\u00e3i s\u1ebd gi\u00fap \u0111i\u1ec1u ch\u1ec9nh k\u1ecbp th\u1eddi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0, t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n v\u1edbi c\u1ed5 phi\u1ebfu MB Bank.<\/p>\n<\/div>\n"},"faq":[{"question":"C\u1ed5 phi\u1ebfu MB c\u00f3 ph\u1ea3i l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1t cho n\u0103m 2025 kh\u00f4ng?","answer":"D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 hi\u1ec7n t\u1ea1i, c\u1ed5 phi\u1ebfu MB l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 ti\u1ec1m n\u0103ng cho n\u0103m 2025 v\u1edbi t\u1ef7 l\u1ec7 P\/E th\u1ea5p (8,5 l\u1ea7n) so v\u1edbi t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn t\u1eeb 22-25%. Ng\u00e2n h\u00e0ng MB c\u00f3 4 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng: t\u1ef7 l\u1ec7 CASA cao nh\u1ea5t trong ng\u00e0nh (41,8%), h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng (94% giao d\u1ecbch qua c\u00e1c k\u00eanh s\u1ed1), v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t (NPL 1,2%, LLR 178%). Tuy nhi\u00ean, c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd c\u00e1c di\u1ec5n bi\u1ebfn kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n khi c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023 \u0111\u00e1o h\u1ea1n v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025."},{"question":"Nh\u1eefng r\u1ee7i ro l\u1edbn nh\u1ea5t khi \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu MB l\u00e0 g\u00ec?","answer":"C\u00e1c r\u1ee7i ro ch\u00ednh v\u1edbi c\u1ed5 phi\u1ebfu MB bao g\u1ed3m: (1) \u00c1p l\u1ef1c t\u1eeb n\u1ee3 x\u1ea5u t\u1eeb c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023 s\u1ebd xu\u1ea5t hi\u1ec7n v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025; (2) C\u1ea1nh tranh kh\u1ed1c li\u1ec7t t\u1eeb c\u00e1c c\u00f4ng ty fintech v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 c\u00f3 th\u1ec3 l\u00e0m x\u00f3i m\u00f2n l\u1ee3i th\u1ebf c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i; (3) Th\u00f4ng t\u01b0 06\/2023 v\u1ec1 t\u1ef7 l\u1ec7 an to\u00e0n c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng \u1edf m\u1ed9t s\u1ed1 ph\u00e2n kh\u00fac c\u00f3 l\u1ee3i su\u1ea5t cao; (4) R\u1ee7i ro l\u00e3i su\u1ea5t n\u1ebfu Fed duy tr\u00ec ch\u00ednh s\u00e1ch th\u1eaft ch\u1eb7t k\u00e9o d\u00e0i, c\u00f3 th\u1ec3 gi\u1ea3m NIM t\u1eeb 0,4-0,6%; (5) \u00c1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i n\u1ebfu VN-Index \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh 15-20%, m\u1eb7c d\u00f9 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n v\u1eabn v\u1eefng ch\u1eafc."},{"question":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u00e1m s\u00e1t v\u00e0 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu MB?","answer":"\u0110\u1ec3 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu MB, t\u1eadp trung v\u00e0o 5 ch\u1ec9 s\u1ed1 quan tr\u1ecdng: (1) T\u1ef7 l\u1ec7 CASA (m\u1ee5c ti\u00eau >40%); (2) T\u1ef7 l\u1ec7 NPL v\u00e0 d\u1ef1 ph\u00f2ng (NPL <1.5%, LLR >150%); (3) T\u1ef7 l\u1ec7 thu nh\u1eadp ngo\u00e0i l\u00e3i (m\u1ee5c ti\u00eau >35%); (4) ROE v\u00e0 NIM (ROE >20%, NIM >5.5%); (5) T\u0103ng tr\u01b0\u1edfng ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng MB SmartBank (MAU >12 tri\u1ec7u). Ngo\u00e0i ra, theo d\u00f5i th\u00f4ng tin v\u1ec1 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng, chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh th\u00f4ng qua c\u00e1c b\u00e1o c\u00e1o h\u00e0ng qu\u00fd v\u00e0 cu\u1ed9c h\u1ecdp c\u1ed5 \u0111\u00f4ng. Pocket Option cung c\u1ea5p c\u00e1c b\u00e1o c\u00e1o ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1ec1 c\u1ed5 phi\u1ebfu MB, \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt h\u00e0ng qu\u00fd."},{"question":"Chi\u1ebfn l\u01b0\u1ee3c n\u00e0o ph\u00f9 h\u1ee3p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB?","answer":"Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi c\u1ed5 phi\u1ebfu MB l\u00e0 \"ph\u00e2n b\u1ed5 theo giai \u0111o\u1ea1n\" k\u1ebft h\u1ee3p v\u1edbi \"gi\u00e1m s\u00e1t \u0111i\u1ec1u ki\u1ec7n c\u01a1 b\u1ea3n\". C\u1ee5 th\u1ec3: (1) Ph\u00e2n b\u1ed5 60% v\u1ed1n trong kho\u1ea3ng 28,000-30,000 VND v\u00e0o Q4\/2024; (2) 20% khi \u0111i\u1ec1u ch\u1ec9nh xu\u1ed1ng 27,000 VND; (3) 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh; (4) Gi\u1edbi h\u1ea1n t\u1ef7 tr\u1ecdng \u1edf m\u1ee9c 5-8% t\u1ed5ng danh m\u1ee5c; (5) Xem x\u00e9t b\u00e1n khi ROE gi\u1ea3m d\u01b0\u1edbi 18% trong 2 qu\u00fd li\u00ean ti\u1ebfp ho\u1eb7c P\/B >2.5 l\u1ea7n; (6) \u0110\u00e1nh gi\u00e1 l\u1ea1i v\u1ecb th\u1ebf h\u00e0ng qu\u00fd d\u1ef1a tr\u00ean CASA, NPLs v\u00e0 thu nh\u1eadp phi l\u00e3i; (7) \u0110\u1eb7t m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn k\u00e9p 18-22% m\u1ed7i n\u0103m bao g\u1ed3m c\u1ed5 t\u1ee9c."},{"question":"Pocket Option cung c\u1ea5p nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0o \u0111\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu MB?","answer":"Pocket Option cung c\u1ea5p 5 c\u00f4ng c\u1ee5 chuy\u00ean bi\u1ec7t \u0111\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu MB: (1) B\u00e1o c\u00e1o ph\u00e2n t\u00edch h\u00e0ng qu\u00fd v\u1edbi c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 d\u1ef1 b\u00e1o 3 n\u0103m; (2) H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o k\u1ef9 thu\u1eadt theo th\u1eddi gian th\u1ef1c v\u1edbi 15 ch\u1ec9 b\u00e1o t\u00f9y ch\u1ec9nh; (3) C\u00f4ng c\u1ee5 so s\u00e1nh l\u1ee3i nhu\u1eadn v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1; (4) Ph\u00e2n t\u00edch r\u1ee7i ro danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c k\u1ecbch b\u1ea3n ki\u1ec3m tra s\u1ee9c ch\u1ecbu \u0111\u1ef1ng cho bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf v\u0129 m\u00f4; (5) B\u1ea3n \u0111\u1ed3 nhi\u1ec7t c\u1ee7a c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ee7a Ng\u00e2n h\u00e0ng MB so v\u1edbi trung b\u00ecnh ng\u00e0nh. Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng c\u00f2n c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 th\u1ecb tr\u01b0\u1eddng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB v\u00e0 t\u01b0 v\u1ea5n chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"C\u1ed5 phi\u1ebfu MB c\u00f3 ph\u1ea3i l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1t cho n\u0103m 2025 kh\u00f4ng?","answer":"D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 hi\u1ec7n t\u1ea1i, c\u1ed5 phi\u1ebfu MB l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 ti\u1ec1m n\u0103ng cho n\u0103m 2025 v\u1edbi t\u1ef7 l\u1ec7 P\/E th\u1ea5p (8,5 l\u1ea7n) so v\u1edbi t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn t\u1eeb 22-25%. Ng\u00e2n h\u00e0ng MB c\u00f3 4 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng: t\u1ef7 l\u1ec7 CASA cao nh\u1ea5t trong ng\u00e0nh (41,8%), h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng (94% giao d\u1ecbch qua c\u00e1c k\u00eanh s\u1ed1), v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t (NPL 1,2%, LLR 178%). Tuy nhi\u00ean, c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd c\u00e1c di\u1ec5n bi\u1ebfn kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n khi c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023 \u0111\u00e1o h\u1ea1n v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025."},{"question":"Nh\u1eefng r\u1ee7i ro l\u1edbn nh\u1ea5t khi \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu MB l\u00e0 g\u00ec?","answer":"C\u00e1c r\u1ee7i ro ch\u00ednh v\u1edbi c\u1ed5 phi\u1ebfu MB bao g\u1ed3m: (1) \u00c1p l\u1ef1c t\u1eeb n\u1ee3 x\u1ea5u t\u1eeb c\u00e1c kho\u1ea3n vay t\u00e1i c\u01a1 c\u1ea5u theo Th\u00f4ng t\u01b0 02\/2023 s\u1ebd xu\u1ea5t hi\u1ec7n v\u00e0o n\u1eeda cu\u1ed1i n\u0103m 2025; (2) C\u1ea1nh tranh kh\u1ed1c li\u1ec7t t\u1eeb c\u00e1c c\u00f4ng ty fintech v\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 c\u00f3 th\u1ec3 l\u00e0m x\u00f3i m\u00f2n l\u1ee3i th\u1ebf c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i; (3) Th\u00f4ng t\u01b0 06\/2023 v\u1ec1 t\u1ef7 l\u1ec7 an to\u00e0n c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf t\u0103ng tr\u01b0\u1edfng \u1edf m\u1ed9t s\u1ed1 ph\u00e2n kh\u00fac c\u00f3 l\u1ee3i su\u1ea5t cao; (4) R\u1ee7i ro l\u00e3i su\u1ea5t n\u1ebfu Fed duy tr\u00ec ch\u00ednh s\u00e1ch th\u1eaft ch\u1eb7t k\u00e9o d\u00e0i, c\u00f3 th\u1ec3 gi\u1ea3m NIM t\u1eeb 0,4-0,6%; (5) \u00c1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i n\u1ebfu VN-Index \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh 15-20%, m\u1eb7c d\u00f9 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n v\u1eabn v\u1eefng ch\u1eafc."},{"question":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u00e1m s\u00e1t v\u00e0 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu MB?","answer":"\u0110\u1ec3 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu MB, t\u1eadp trung v\u00e0o 5 ch\u1ec9 s\u1ed1 quan tr\u1ecdng: (1) T\u1ef7 l\u1ec7 CASA (m\u1ee5c ti\u00eau >40%); (2) T\u1ef7 l\u1ec7 NPL v\u00e0 d\u1ef1 ph\u00f2ng (NPL <1.5%, LLR >150%); (3) T\u1ef7 l\u1ec7 thu nh\u1eadp ngo\u00e0i l\u00e3i (m\u1ee5c ti\u00eau >35%); (4) ROE v\u00e0 NIM (ROE >20%, NIM >5.5%); (5) T\u0103ng tr\u01b0\u1edfng ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng MB SmartBank (MAU >12 tri\u1ec7u). Ngo\u00e0i ra, theo d\u00f5i th\u00f4ng tin v\u1ec1 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng, chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh th\u00f4ng qua c\u00e1c b\u00e1o c\u00e1o h\u00e0ng qu\u00fd v\u00e0 cu\u1ed9c h\u1ecdp c\u1ed5 \u0111\u00f4ng. Pocket Option cung c\u1ea5p c\u00e1c b\u00e1o c\u00e1o ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1ec1 c\u1ed5 phi\u1ebfu MB, \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt h\u00e0ng qu\u00fd."},{"question":"Chi\u1ebfn l\u01b0\u1ee3c n\u00e0o ph\u00f9 h\u1ee3p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB?","answer":"Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi c\u1ed5 phi\u1ebfu MB l\u00e0 \"ph\u00e2n b\u1ed5 theo giai \u0111o\u1ea1n\" k\u1ebft h\u1ee3p v\u1edbi \"gi\u00e1m s\u00e1t \u0111i\u1ec1u ki\u1ec7n c\u01a1 b\u1ea3n\". C\u1ee5 th\u1ec3: (1) Ph\u00e2n b\u1ed5 60% v\u1ed1n trong kho\u1ea3ng 28,000-30,000 VND v\u00e0o Q4\/2024; (2) 20% khi \u0111i\u1ec1u ch\u1ec9nh xu\u1ed1ng 27,000 VND; (3) 20% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng cho bi\u1ebfn \u0111\u1ed9ng m\u1ea1nh; (4) Gi\u1edbi h\u1ea1n t\u1ef7 tr\u1ecdng \u1edf m\u1ee9c 5-8% t\u1ed5ng danh m\u1ee5c; (5) Xem x\u00e9t b\u00e1n khi ROE gi\u1ea3m d\u01b0\u1edbi 18% trong 2 qu\u00fd li\u00ean ti\u1ebfp ho\u1eb7c P\/B >2.5 l\u1ea7n; (6) \u0110\u00e1nh gi\u00e1 l\u1ea1i v\u1ecb th\u1ebf h\u00e0ng qu\u00fd d\u1ef1a tr\u00ean CASA, NPLs v\u00e0 thu nh\u1eadp phi l\u00e3i; (7) \u0110\u1eb7t m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn k\u00e9p 18-22% m\u1ed7i n\u0103m bao g\u1ed3m c\u1ed5 t\u1ee9c."},{"question":"Pocket Option cung c\u1ea5p nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0o \u0111\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu MB?","answer":"Pocket Option cung c\u1ea5p 5 c\u00f4ng c\u1ee5 chuy\u00ean bi\u1ec7t \u0111\u1ec3 h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu MB: (1) B\u00e1o c\u00e1o ph\u00e2n t\u00edch h\u00e0ng qu\u00fd v\u1edbi c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 d\u1ef1 b\u00e1o 3 n\u0103m; (2) H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o k\u1ef9 thu\u1eadt theo th\u1eddi gian th\u1ef1c v\u1edbi 15 ch\u1ec9 b\u00e1o t\u00f9y ch\u1ec9nh; (3) C\u00f4ng c\u1ee5 so s\u00e1nh l\u1ee3i nhu\u1eadn v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1; (4) Ph\u00e2n t\u00edch r\u1ee7i ro danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u1edbi c\u00e1c k\u1ecbch b\u1ea3n ki\u1ec3m tra s\u1ee9c ch\u1ecbu \u0111\u1ef1ng cho bi\u1ebfn \u0111\u1ed9ng kinh t\u1ebf v\u0129 m\u00f4; (5) B\u1ea3n \u0111\u1ed3 nhi\u1ec7t c\u1ee7a c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ee7a Ng\u00e2n h\u00e0ng MB so v\u1edbi trung b\u00ecnh ng\u00e0nh. Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng c\u00f2n c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o ph\u00e2n t\u00edch chuy\u00ean s\u00e2u v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 th\u1ecb tr\u01b0\u1eddng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 phi\u1ebfu MB v\u00e0 t\u01b0 v\u1ea5n chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u1ed5 phi\u1ebfu MB Bank: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 2025 cho nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pocketoption.com\/blog\/vt\/interesting\/reviews\/mr-chen\/\" \/>\n<meta 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