{"id":301957,"date":"2025-07-11T22:32:21","date_gmt":"2025-07-11T22:32:21","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/stock-should-buy-techcombank-stock-2\/"},"modified":"2025-07-11T22:32:21","modified_gmt":"2025-07-11T22:32:21","slug":"stock-should-buy-techcombank-stock","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/stock-should-buy-techcombank-stock\/","title":{"rendered":"C\u00f3 N\u00ean Mua C\u1ed5 Phi\u1ebfu Techcombank: Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n v\u00e0 Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 2025"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":50,"featured_media":193159,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[39,45,44],"class_list":["post-301957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-platform","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option: B\u1ea1n C\u00f3 N\u00ean Mua C\u1ed5 Phi\u1ebfu Techcombank 2025 Kh\u00f4ng?","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: B\u1ea1n C\u00f3 N\u00ean Mua C\u1ed5 Phi\u1ebfu Techcombank 2025 Kh\u00f4ng?"},"description":"B\u1ea1n c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank? Kh\u00e1m ph\u00e1 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u, tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng 20% v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 v\u1edbi P\/E 8.5x t\u1eeb c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh c\u1ee7a Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"B\u1ea1n c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank? Kh\u00e1m ph\u00e1 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u, tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng 20% v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 v\u1edbi P\/E 8.5x t\u1eeb c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh c\u1ee7a Pocket Option."},"intro":"Trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam bi\u1ebfn \u0111\u1ed9ng v\u1edbi VN-Index t\u0103ng 12% k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2024, c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch to\u00e0n di\u1ec7n v\u1ec1 c\u1ed5 phi\u1ebfu TCB, t\u1eeb t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u1edbi ROE 19,2% \u0111\u1ebfn tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng 20% v\u00e0o n\u0103m 2025, gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf.","intro_source":{"label":"Intro","type":"text","formatted_value":"Trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam bi\u1ebfn \u0111\u1ed9ng v\u1edbi VN-Index t\u0103ng 12% k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2024, c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch to\u00e0n di\u1ec7n v\u1ec1 c\u1ed5 phi\u1ebfu TCB, t\u1eeb t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u1edbi ROE 19,2% \u0111\u1ebfn tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng 20% v\u00e0o n\u0103m 2025, gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u1ed5ng quan v\u1ec1 Techcombank v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank (m\u00e3 ch\u1ee9ng kho\u00e1n: TCB) l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 1993 v\u00e0 hi\u1ec7n c\u00f3 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 170.000 t\u1ef7 VND. V\u1edbi h\u01a1n 30 n\u0103m ho\u1ea1t \u0111\u1ed9ng, Techcombank \u0111\u00e3 x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf v\u1eefng ch\u1eafc trong Top 3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t, \u0111\u1eb7c bi\u1ec7t d\u1eabn \u0111\u1ea7u trong ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng cao c\u1ea5p v\u1edbi 2,5 tri\u1ec7u kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 v\u00e0 25.000 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1eeba v\u00e0 l\u1edbn.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi \u0111\u01a1n gi\u1ea3n m\u00e0 c\u1ea7n ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee5 th\u1ec3. Techcombank kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng m\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch th\u1ef1c hi\u1ec7n qua k\u00eanh \u0111i\u1ec7n t\u1eed, t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf Vi\u1ec7t Nam ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd v\u1edbi d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP 6,5% v\u00e0o n\u0103m 2025, c\u00e1c chuy\u00ean gia t\u1eeb Pocket Option v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf nh\u01b0 JP Morgan v\u00e0 Goldman Sachs \u0111\u00e1nh gi\u00e1 cao ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 15-20% cho c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 m\u1ea1nh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh r\u00f5 r\u00e0ng nh\u01b0 Techcombank.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh<\/th><th>Th\u00f4ng tin (Q3\/2024)<\/th><\/tr><\/thead><tbody><tr><td>M\u00e3 ch\u1ee9ng kho\u00e1n<\/td><td>TCB<\/td><\/tr><tr><td>S\u00e0n ni\u00eam y\u1ebft<\/td><td>HOSE<\/td><\/tr><tr><td>Ng\u00e0y ni\u00eam y\u1ebft<\/td><td>04\/06\/2018<\/td><\/tr><tr><td>V\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng<\/td><td>170.326 t\u1ef7 VND (10\/2024)<\/td><\/tr><tr><td>ROE<\/td><td>19,2% (2023)<\/td><\/tr><tr><td>Gi\u00e1 hi\u1ec7n t\u1ea1i<\/td><td>48.500 VND<\/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 t\u00e0i ch\u00ednh Techcombank 2024: C\u01a1 s\u1edf d\u1eef li\u1ec7u cho c\u00e2u h\u1ecfi c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank,\" c\u1ea7n ph\u00e2n t\u00edch c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i d\u1ef1a tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh Q3\/2024 m\u1edbi nh\u1ea5t. Trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, Techcombank th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i v\u1edbi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 19.245 t\u1ef7 VND, t\u0103ng 16,8% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn n\u1ed5i b\u1eadt v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank duy tr\u00ec t\u1ef7 l\u1ec7 L\u1ee3i nhu\u1eadn tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (ROE) \u1edf m\u1ee9c 19,2%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 15%. T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL) c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd \u1edf m\u1ee9c 1,2%, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi y\u00eau c\u1ea7u c\u1ee7a NHNN l\u00e0 3% v\u00e0 m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 1,8%. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro ti\u00ean ti\u1ebfn m\u00e0 ng\u00e2n h\u00e0ng \u0111ang tri\u1ec3n khai.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh<\/th><th>Techcombank<\/th><th>Trung b\u00ecnh ng\u00e0nh<\/th><th>L\u1ee3i th\u1ebf c\u1ea1nh tranh<\/th><\/tr><\/thead><tbody><tr><td>ROE<\/td><td>19,2%<\/td><td>15%<\/td><td>+4,2%<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL)<\/td><td>1,2%<\/td><td>1,8%<\/td><td>+0,6%<\/td><\/tr><tr><td>NIM (Bi\u00ean l\u00e3i r\u00f2ng)<\/td><td>4,7%<\/td><td>3,8%<\/td><td>+0,9%<\/td><\/tr><tr><td>CIR (T\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp)<\/td><td>28,3%<\/td><td>40,5%<\/td><td>+12,2%<\/td><\/tr><tr><td>CASA<\/td><td>46,2%<\/td><td>21,3%<\/td><td>+24,9%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1eeb Pocket Option \u0111\u00e1nh gi\u00e1 r\u1eb1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a Techcombank r\u1ea5t t\u1ed1t, v\u1edbi c\u1ea5u tr\u00fac v\u1ed1n m\u1ea1nh (CAR 15,2%) v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh khi xem x\u00e9t c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB cho danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1eb7c bi\u1ec7t, chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o c\u00e1c m\u1ea3ng phi t\u00edn d\u1ee5ng gi\u00fap Techcombank \u0111\u1ea1t t\u1ef7 l\u1ec7 thu nh\u1eadp phi l\u00e3i\/thu nh\u1eadp t\u1ed5ng c\u1ed9ng l\u00e0 33,5%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh ch\u1ec9 19,7%. \u0110i\u1ec1u n\u00e0y t\u1ea1o n\u1ec1n t\u1ea3ng cho t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng d\u00e0i h\u1ea1n, gi\u1ea3m s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o 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'>V\u1ecb th\u1ebf c\u1ea1nh tranh v\u00e0 5 l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Techcombank<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB,\" m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh l\u00e0 v\u1ecb th\u1ebf c\u1ea1nh tranh \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Techcombank trong ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/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'>D\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch th\u1ef1c hi\u1ec7n qua k\u00eanh \u0111i\u1ec7n t\u1eed, ti\u1ebft ki\u1ec7m 1.250 t\u1ef7 VND chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng h\u00e0ng n\u0103m<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u1edbi 14 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c bao g\u1ed3m T\u1eadp \u0111o\u00e0n Masan, Vingroup v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 CASA (t\u00e0i kho\u1ea3n thanh to\u00e1n ti\u1ebft ki\u1ec7m) \u0111\u1ea1t 46,2%, cao nh\u1ea5t trong ng\u00e0nh, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1ed1n xu\u1ed1ng 2,9% (th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 0,8%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng thu nh\u1eadp cao v\u1edbi 2,5 tri\u1ec7u kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3, chi\u1ebfm 83% t\u1ed5ng ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro ti\u00ean ti\u1ebfn theo ti\u00eau chu\u1ea9n Basel III, d\u1eabn \u0111\u1ebfn t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p ch\u1ec9 1,2% (th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 0,6%)<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank l\u00e0 \u0111\u01a1n v\u1ecb ti\u00ean phong trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain v\u00e0o ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, v\u1edbi h\u01a1n 35 tri\u1ec7u giao d\u1ecbch thanh to\u00e1n \u0111\u01b0\u1ee3c x\u1eed l\u00fd qua n\u1ec1n t\u1ea3ng n\u00e0y h\u00e0ng th\u00e1ng. \u1ee8ng d\u1ee5ng ng\u00e2n h\u00e0ng s\u1ed1 Techcombank Mobile \u0111\u1ea1t 4,8\/5 sao tr\u00ean App Store, cao nh\u1ea5t trong c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, v\u1edbi 5,8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1eeb Pocket Option l\u01b0u \u00fd r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m s\u1ed1 v\u00e0 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng thu nh\u1eadp cao \u0111\u00e3 gi\u00fap Techcombank x\u00e2y d\u1ef1ng l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng, v\u1edbi chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 35% v\u00e0 t\u1ef7 l\u1ec7 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng cao nh\u1ea5t \u0111\u1ea1t 94,3%.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c kinh doanh \"D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng\" t\u1ea1o l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u00f4 h\u00ecnh kinh doanh \"D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng\" c\u1ee7a Techcombank kh\u00f4ng ch\u1ec9 t\u1eadp trung v\u00e0o vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m m\u00e0 c\u00f2n cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho t\u1eebng giai \u0111o\u1ea1n c\u1ee7a cu\u1ed9c s\u1ed1ng kh\u00e1ch h\u00e0ng. Chi\u1ebfn l\u01b0\u1ee3c n\u00e0y \u0111\u00e3 gi\u00fap ng\u00e2n h\u00e0ng t\u0103ng Gi\u00e1 tr\u1ecb v\u00f2ng \u0111\u1eddi kh\u00e1ch h\u00e0ng l\u00ean 2,3 l\u1ea7n trong 5 n\u0103m qua.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c \u0111\u00e1o<\/th><th>L\u1ee3i \u00edch c\u1ee5 th\u1ec3<\/th><th>K\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/th><\/tr><\/thead><tbody><tr><td>T\u1eadp trung v\u00e0o ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 v\u00e0 SME<\/td><td>NIM cao h\u01a1n (4,7%), chi ph\u00ed t\u00edn d\u1ee5ng th\u1ea5p h\u01a1n (0,4%)<\/td><td>Thu nh\u1eadp trung b\u00ecnh kh\u00e1ch h\u00e0ng t\u0103ng 23% h\u00e0ng n\u0103m<\/td><\/tr><tr><td>Ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi n\u1ec1n t\u1ea3ng blockchain<\/td><td>Gi\u1ea3m 62% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, t\u0103ng 84% tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/td><td>95% giao d\u1ecbch qua k\u00eanh s\u1ed1, CIR gi\u1ea3m xu\u1ed1ng 28,3%<\/td><\/tr><tr><td>T\u0103ng t\u1ef7 l\u1ec7 thu nh\u1eadp phi t\u00edn d\u1ee5ng<\/td><td>\u0110a d\u1ea1ng h\u00f3a ngu\u1ed3n thu, gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t<\/td><td>33,5% thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng phi t\u00edn d\u1ee5ng<\/td><\/tr><tr><td>H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh v\u1edbi 14 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c<\/td><td>B\u00e1n ch\u00e9o 4,2 s\u1ea3n ph\u1ea9m\/kh\u00e1ch h\u00e0ng<\/td><td>T\u0103ng 28% doanh thu ph\u00ed d\u1ecbch v\u1ee5<\/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 k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu TCB: Xu h\u01b0\u1edbng gi\u00e1 v\u00e0 \u0111i\u1ec3m mua l\u00fd t\u01b0\u1edfng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" t\u1eeb g\u00f3c \u0111\u1ed9 th\u1eddi \u0111i\u1ec3m mua ph\u00f9 h\u1ee3p, ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u00f3ng vai tr\u00f2 quy\u1ebft \u0111\u1ecbnh, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn v\u00e0 trung h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo ph\u00e2n t\u00edch m\u1edbi nh\u1ea5t t\u1eeb c\u00e1c chuy\u00ean gia Pocket Option, c\u1ed5 phi\u1ebfu TCB \u0111ang h\u00ecnh th\u00e0nh xu h\u01b0\u1edbng t\u0103ng d\u00e0i h\u1ea1n tr\u00ean bi\u1ec3u \u0111\u1ed3 tu\u1ea7n v\u1edbi m\u00f4 h\u00ecnh \"Cup and Handle\" r\u00f5 r\u00e0ng. M\u1ee9c h\u1ed7 tr\u1ee3 m\u1ea1nh c\u1ee7a TCB n\u1eb1m trong kho\u1ea3ng 42.500-43.800 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi Fibonacci 0,382), trong khi kh\u00e1ng c\u1ef1 quan tr\u1ecdng l\u00e0 55.200-57.600 VND (\u0111\u1ec9nh l\u1ecbch s\u1eed thi\u1ebft l\u1eadp v\u00e0o th\u00e1ng 5\/2024).<\/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'>RSI(14) \u0111\u1ea1t 63,5 \u0111i\u1ec3m, ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 mua (&gt;70), cho th\u1ea5y c\u00f2n d\u01b0 \u0111\u1ecba t\u0103ng gi\u00e1<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD \u0111\u00e3 c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u t\u1eeb ng\u00e0y 12\/09\/2024, t\u1ea1o t\u00edn hi\u1ec7u mua m\u1ea1nh<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MA50 \u0111\u00e3 c\u1eaft l\u00ean tr\u00ean MA200 t\u1eeb th\u00e1ng 8\/2024, t\u1ea1o \"Golden Cross\" - t\u00edn hi\u1ec7u xu h\u01b0\u1edbng t\u0103ng d\u00e0i h\u1ea1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh 10 phi\u00ean \u0111\u1ea1t 8,3 tri\u1ec7u \u0111\u01a1n v\u1ecb\/phi\u00ean, t\u0103ng 26% so v\u1edbi trung b\u00ecnh 30 phi\u00ean<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt, \u0111i\u1ec3m mua l\u00fd t\u01b0\u1edfng cho TCB l\u00e0 khi gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng 42.500-43.800 VND, v\u1edbi m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n 52.000 VND (+20%) v\u00e0 m\u1ee5c ti\u00eau trung h\u1ea1n 57.600 VND (+34%). Tuy nhi\u00ean, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean \u0111\u1eb7t l\u1ec7nh c\u1eaft l\u1ed7 n\u1ebfu gi\u00e1 ph\u00e1 v\u1ee1 d\u01b0\u1edbi 40.500 VND (-6,5% t\u1eeb m\u1ee9c h\u1ed7 tr\u1ee3).<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng n\u0103m 2025 v\u00e0 c\u00e1c r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ea7n l\u01b0u \u00fd<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi xem x\u00e9t c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank, vi\u1ec7c \u0111\u00e1nh gi\u00e1 chi ti\u1ebft tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng v\u00e0 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh cho quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>5 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u1eeb Pocket Option v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, Techcombank c\u00f3 5 y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i c\u1ee5 th\u1ec3 \u0111\u1ec3 duy tr\u00ec \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd trong n\u0103m 2025:<\/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'>Th\u1ecb ph\u1ea7n t\u00edn d\u1ee5ng SME ch\u1ec9 chi\u1ebfm 11,3% (so v\u1edbi 25% c\u1ee7a VPBank), t\u1ea1o ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 13,7%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a gi\u00fap gi\u1ea3m 62% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, CIR d\u1ef1 ki\u1ebfn gi\u1ea3m t\u1eeb 28,3% xu\u1ed1ng 26% v\u00e0o n\u0103m 2025<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kinh t\u1ebf Vi\u1ec7t Nam d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP 6,5% v\u00e0o n\u0103m 2025, th\u00fac \u0111\u1ea9y nhu c\u1ea7u t\u00edn d\u1ee5ng t\u0103ng 15-16%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam ch\u1ec9 \u0111\u1ea1t 64% (so v\u1edbi 85% t\u1ea1i Th\u00e1i Lan), d\u01b0 \u0111\u1ecba t\u0103ng th\u00eam 21%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ea7ng l\u1edbp trung l\u01b0u Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn t\u0103ng t\u1eeb 25% l\u00ean 45% d\u00e2n s\u1ed1 v\u00e0o n\u0103m 2030, t\u1ea1o nhu c\u1ea7u l\u1edbn cho d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng cao c\u1ea5p<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>D\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u Q3\/2024<\/th><th>2024<\/th><th>2025<\/th><th>2026<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn<\/td><td>16,8%<\/td><td>20,2%<\/td><td>22,4%<\/td><\/tr><tr><td>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td><td>13,5%<\/td><td>15,8%<\/td><td>17,2%<\/td><\/tr><tr><td>NIM<\/td><td>4,7%<\/td><td>4,8%<\/td><td>4,9%<\/td><\/tr><tr><td>Thu nh\u1eadp phi t\u00edn d\u1ee5ng\/T\u1ed5ng thu nh\u1eadp<\/td><td>33,5%<\/td><td>35,8%<\/td><td>38,2%<\/td><\/tr><tr><td>ROE<\/td><td>19,2%<\/td><td>20,5%<\/td><td>21,8%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tuy nhi\u00ean, c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi \u0111\u1ea7y \u0111\u1ee7 m\u00e0 kh\u00f4ng xem x\u00e9t chi ti\u1ebft c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0:<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>4 r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd<\/h3><\/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 c\u00e2n nh\u1eafc 4 r\u1ee7i ro ch\u00ednh khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB:<\/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'>C\u1ea1nh tranh gay g\u1eaft trong ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi MBBank v\u00e0 VPBank \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o c\u00f4ng ngh\u1ec7 (1.250 t\u1ef7 VND\/n\u0103m)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t: m\u1ed7i l\u1ea7n t\u0103ng 0,25% l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 gi\u1ea3m NIM 0,05-0,07%, \u1ea3nh h\u01b0\u1edfng l\u1ee3i nhu\u1eadn 1,2-1,5%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n: Techcombank c\u00f3 27,8% d\u01b0 n\u1ee3 li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n, cao h\u01a1n trung b\u00ecnh ng\u00e0nh 5,6%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro an ninh m\u1ea1ng: v\u1edbi 95% giao d\u1ecbch qua k\u00eanh s\u1ed1, m\u1ed7i gi\u1edd gi\u00e1n \u0111o\u1ea1n h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i 15-20 t\u1ef7 VND<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo c\u00e1c chuy\u00ean gia t\u1ea1i Pocket Option, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n \u0111\u00e1nh gi\u00e1 k\u1ef9 l\u01b0\u1ee1ng t\u00e1c \u0111\u1ed9ng c\u1ee7a t\u1eebng r\u1ee7i ro n\u00e0y \u0111\u1ebfn danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank. \u0110\u1eb7c bi\u1ec7t, theo d\u00f5i di\u1ec5n bi\u1ebfn chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t c\u1ee7a NHNN l\u00e0 r\u1ea5t quan tr\u1ecdng trong c\u00e1c qu\u00fd t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>So s\u00e1nh chi ti\u1ebft Techcombank v\u1edbi 3 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u kh\u00e1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB\" m\u1ed9t c\u00e1ch kh\u00e1ch quan v\u00e0 to\u00e0n di\u1ec7n, so s\u00e1nh Techcombank v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng ph\u00e2n kh\u00fac l\u00e0 b\u01b0\u1edbc ph\u00e2n t\u00edch b\u1eaft bu\u1ed9c.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecbnh gi\u00e1 (Q3\/2024)<\/th><th>Techcombank<\/th><th>VPBank<\/th><th>ACB<\/th><th>MBBank<\/th><\/tr><\/thead><tbody><tr><td>P\/E (TTM)<\/td><td>8,5x<\/td><td>9,2x<\/td><td>7,8x<\/td><td>7,5x<\/td><\/tr><tr><td>P\/B (hi\u1ec7n t\u1ea1i)<\/td><td>1,52x<\/td><td>1,34x<\/td><td>1,58x<\/td><td>1,43x<\/td><\/tr><tr><td>ROE (2023)<\/td><td>19,2%<\/td><td>16,5%<\/td><td>17,8%<\/td><td>18,5%<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u<\/td><td>1,2%<\/td><td>3,5%<\/td><td>1,5%<\/td><td>1,3%<\/td><\/tr><tr><td>CAR (Basel II)<\/td><td>15,2%<\/td><td>14,3%<\/td><td>13,5%<\/td><td>12,8%<\/td><\/tr><tr><td>NIM<\/td><td>4,7%<\/td><td>5,1%<\/td><td>4,2%<\/td><td>4,5%<\/td><\/tr><tr><td>CASA<\/td><td>46,2%<\/td><td>15,8%<\/td><td>22,4%<\/td><td>38,7%<\/td><\/tr><tr><td>CIR<\/td><td>28,3%<\/td><td>32,5%<\/td><td>36,8%<\/td><td>30,2%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1eeb b\u1ea3ng so s\u00e1nh chi ti\u1ebft tr\u00ean, c\u00f3 th\u1ec3 th\u1ea5y Techcombank n\u1ed5i b\u1eadt v\u1edbi 5 l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee5 th\u1ec3:<\/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'>ROE cao nh\u1ea5t (19,2%), v\u01b0\u1ee3t VPBank 2,7%, ACB 1,4% v\u00e0 MBBank 0,7%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p nh\u1ea5t (1,2%), t\u1ed1t h\u01a1n VPBank 2,3%, ACB 0,3% v\u00e0 MBBank 0,1%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) cao nh\u1ea5t (15,2%), cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi trung b\u00ecnh 13,5% c\u1ee7a 3 ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng (46,2%), cao h\u01a1n VPBank 30,4%, ACB 23,8% v\u00e0 MBBank 7,5%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CIR th\u1ea5p nh\u1ea5t (28,3%), hi\u1ec7u qu\u1ea3 h\u01a1n VPBank 4,2%, ACB 8,5% v\u00e0 MBBank 1,9%<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tuy nhi\u00ean, v\u1ec1 \u0111\u1ecbnh gi\u00e1 P\/E v\u00e0 P\/B, Techcombank kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn r\u1ebb nh\u1ea5t trong nh\u00f3m: P\/E c\u1ee7a TCB (8,5x) cao h\u01a1n ACB (7,8x) v\u00e0 MBBank (7,5x), nh\u01b0ng th\u1ea5p h\u01a1n VPBank (9,2x); P\/B c\u1ee7a TCB (1,52x) cao h\u01a1n VPBank (1,34x) v\u00e0 MBBank (1,43x), nh\u01b0ng th\u1ea5p h\u01a1n ACB (1,58x).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a chuy\u00ean gia Pocket Option, m\u1eb7c d\u00f9 \u0111\u1ecbnh gi\u00e1 c\u1ee7a TCB cao h\u01a1n m\u1ed9t s\u1ed1 \u0111\u1ed1i th\u1ee7, v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t tr\u1ed9i (NPL 1,2%) v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh (l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn t\u0103ng 20,2% v\u00e0o n\u0103m 2025), c\u1ed5 phi\u1ebfu TCB v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd v\u00e0 c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu TCB chi ti\u1ebft theo m\u1ee5c ti\u00eau<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank\" c\u1ea7n \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi c\u1ee5 th\u1ec3 theo t\u1eebng m\u1ee5c ti\u00eau v\u00e0 khung th\u1eddi gian \u0111\u1ea7u t\u01b0. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 chi ti\u1ebft c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ed5 phi\u1ebfu TCB:<\/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 3 n\u0103m)<\/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, Techcombank n\u1ed5i b\u1eadt l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u00ec 4 l\u00fd do ch\u00ednh:<\/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'>N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh m\u1ea1nh v\u1edbi CAR 15,2% v\u00e0 NPL 1,2%, ROE d\u1ef1 b\u00e1o t\u0103ng l\u00ean 21,8% v\u00e0o n\u0103m 2026<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch qua k\u00eanh \u0111i\u1ec7n t\u1eed v\u00e0 5,8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng h\u00e0ng th\u00e1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ea3 n\u0103ng duy tr\u00ec t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn k\u00e9p (CAGR) 20% trong giai \u0111o\u1ea1n 2024-2026 nh\u1edd m\u00f4 h\u00ecnh \"D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng\"<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ti\u1ec1m n\u0103ng t\u0103ng c\u1ed5 t\u1ee9c t\u1eeb 25% l\u00ean 40% trong 3 n\u0103m t\u1edbi khi CAR v\u01b0\u1ee3t xa y\u00eau c\u1ea7u (8%)<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n t\u1ed1i \u01b0u v\u1edbi TCB bao g\u1ed3m mua v\u00e0 gi\u1eef c\u1ed5 phi\u1ebfu, \u0111\u1ed3ng th\u1eddi t\u00edch l\u0169y th\u00eam trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh s\u00e2u (gi\u1ea3m 15-20% t\u1eeb \u0111\u1ec9nh). D\u1ef1a tr\u00ean m\u00f4 h\u00ecnh DCF (D\u00f2ng ti\u1ec1n chi\u1ebft kh\u1ea5u), gi\u00e1 m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n c\u1ee7a TCB c\u00f3 th\u1ec3 \u0111\u1ea1t 75.000-80.000 VND v\u00e0o n\u0103m 2026 (+65-75% t\u1eeb gi\u00e1 hi\u1ec7n t\u1ea1i).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chuy\u00ean gia t\u1eeb Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n n\u00ean ph\u00e2n b\u1ed5 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu TCB, v\u1edbi 70% v\u1ed1n \u0111\u1ea7u t\u01b0 \u1edf m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 30% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng mua th\u00eam trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh.<\/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 trung h\u1ea1n (6-24 th\u00e1ng)<\/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 trung h\u1ea1n, c\u00e2u h\u1ecfi c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng h\u01a1n, v\u1edbi chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3:<\/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'>Mua 50% t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh 42.500-43.800 VND (Fibonacci 0,382) v\u00e0 50% khi x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng (ph\u00e1 v\u1ee1 tr\u00ean 49.500 VND v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ch\u1ed1t l\u1eddi 30% khi \u0111\u1ea1t m\u1ee5c ti\u00eau 1 (52.000 VND, +20%), 40% khi \u0111\u1ea1t m\u1ee5c ti\u00eau 2 (57.600 VND, +34%), gi\u1eef l\u1ea1i 30% cho m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p trailing stop 8% \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1eb7t l\u1ec7nh c\u1eaft l\u1ed7 t\u1ea1i 40.500 VND (-6,5% t\u1eeb \u0111i\u1ec3m mua th\u1ea5p nh\u1ea5t) \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \"Advanced Chart\" v\u1edbi 86 ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt v\u00e0 m\u00f4 h\u00ecnh gi\u00e1, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c \u0111i\u1ec3m v\u00e0o v\u00e0 ra l\u00fd t\u01b0\u1edfng cho c\u1ed5 phi\u1ebfu TCB. H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o gi\u00e1 theo th\u1eddi gian th\u1ef1c s\u1ebd th\u00f4ng b\u00e1o khi TCB ch\u1ea1m c\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank v\u00e0o n\u0103m 2025?<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Sau khi ph\u00e2n t\u00edch to\u00e0n di\u1ec7n m\u1ecdi kh\u00eda c\u1ea1nh c\u1ee7a Techcombank d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1eadp nh\u1eadt \u0111\u1ebfn Q3\/2024, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e2u tr\u1ea3 l\u1eddi c\u00f3 c\u01a1 s\u1edf cho c\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank.\"<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank v\u1edbi ROE 19,2%, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p 1,2%, CASA d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng 46,2%, v\u00e0 chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a v\u01b0\u1ee3t tr\u1ed9i (95% giao d\u1ecbch qua k\u00eanh \u0111i\u1ec7n t\u1eed), \u0111ang cho th\u1ea5y ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh v\u1edbi d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn t\u0103ng 20,2% v\u00e0o n\u0103m 2025. \u0110\u1ecbnh gi\u00e1 P\/E 8,5x v\u00e0 P\/B 1,52x, d\u00f9 kh\u00f4ng r\u1ebb nh\u1ea5t trong ng\u00e0nh, v\u1eabn h\u1ea5p d\u1eabn so v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tuy nhi\u00ean, quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB ph\u1ee5 thu\u1ed9c v\u00e0o 3 y\u1ebfu t\u1ed1 ch\u00ednh cho t\u1eebng nh\u00e0 \u0111\u1ea7u t\u01b0:<\/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'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 3 n\u0103m): TCB l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng 65-75% v\u00e0o n\u0103m 2026, n\u00ean chi\u1ebfm 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 trung h\u1ea1n (6-24 th\u00e1ng): TCB c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c v\u1edbi m\u1ee5c ti\u00eau t\u0103ng 20-34%, nh\u01b0ng c\u1ea7n chi\u1ebfn l\u01b0\u1ee3c mua t\u1ea1i v\u00f9ng h\u1ed7 tr\u1ee3 42.500-43.800 VND ho\u1eb7c ph\u00e1 v\u1ee1 tr\u00ean 49.500 VND<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 6 th\u00e1ng): N\u00ean ch\u1edd t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt r\u00f5 r\u00e0ng, v\u1edbi khung th\u1eddi gian t\u1ed1i thi\u1ec3u 1-3 th\u00e1ng \u0111\u1ec3 c\u00f3 th\u1ec3 sinh l\u1eddi hi\u1ec7u qu\u1ea3 t\u1eeb TCB<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ebft lu\u1eadn cu\u1ed1i c\u00f9ng, Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean ph\u00e2n b\u1ed5 c\u1ed5 phi\u1ebfu TCB m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh, v\u1edbi t\u1ef7 tr\u1ecdng ph\u00f9 h\u1ee3p theo m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n, \u0111\u1ed3ng th\u1eddi theo d\u00f5i ch\u1eb7t ch\u1ebd c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng: (1) T\u00ecnh h\u00ecnh kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t, (2) K\u1ebft qu\u1ea3 kinh doanh h\u00e0ng qu\u00fd c\u1ee7a TCB, (3) Di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00e0 (4) C\u1ea1nh tranh trong ng\u00e2n h\u00e0ng s\u1ed1.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e2u h\u1ecfi \"c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB\" kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi \u0111\u00fang tuy\u1ec7t \u0111\u1ed1i cho m\u1ecdi ng\u01b0\u1eddi, m\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n. Tham kh\u1ea3o \u00fd ki\u1ebfn chuy\u00ean gia t\u00e0i ch\u00ednh t\u1eeb Pocket Option qua t\u00ednh n\u0103ng \"Expert Advisor\" \u0111\u1ec3 nh\u1eadn ph\u00e2n t\u00edch chi ti\u1ebft ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/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 Techcombank v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank (m\u00e3 ch\u1ee9ng kho\u00e1n: TCB) l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 1993 v\u00e0 hi\u1ec7n c\u00f3 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng 170.000 t\u1ef7 VND. V\u1edbi h\u01a1n 30 n\u0103m ho\u1ea1t \u0111\u1ed9ng, Techcombank \u0111\u00e3 x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf v\u1eefng ch\u1eafc trong Top 3 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t, \u0111\u1eb7c bi\u1ec7t d\u1eabn \u0111\u1ea7u trong ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng cao c\u1ea5p v\u1edbi 2,5 tri\u1ec7u kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 v\u00e0 25.000 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1eeba v\u00e0 l\u1edbn.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank&#8221; kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi \u0111\u01a1n gi\u1ea3n m\u00e0 c\u1ea7n ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee5 th\u1ec3. Techcombank kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng m\u00e0 l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch th\u1ef1c hi\u1ec7n qua k\u00eanh \u0111i\u1ec7n t\u1eed, t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/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 kinh t\u1ebf Vi\u1ec7t Nam ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd v\u1edbi d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP 6,5% v\u00e0o n\u0103m 2025, c\u00e1c chuy\u00ean gia t\u1eeb Pocket Option v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf nh\u01b0 JP Morgan v\u00e0 Goldman Sachs \u0111\u00e1nh gi\u00e1 cao ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 15-20% cho c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 m\u1ea1nh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh r\u00f5 r\u00e0ng nh\u01b0 Techcombank.<\/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>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh<\/th>\n<th>Th\u00f4ng tin (Q3\/2024)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>M\u00e3 ch\u1ee9ng kho\u00e1n<\/td>\n<td>TCB<\/td>\n<\/tr>\n<tr>\n<td>S\u00e0n ni\u00eam y\u1ebft<\/td>\n<td>HOSE<\/td>\n<\/tr>\n<tr>\n<td>Ng\u00e0y ni\u00eam y\u1ebft<\/td>\n<td>04\/06\/2018<\/td>\n<\/tr>\n<tr>\n<td>V\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng<\/td>\n<td>170.326 t\u1ef7 VND (10\/2024)<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>19,2% (2023)<\/td>\n<\/tr>\n<tr>\n<td>Gi\u00e1 hi\u1ec7n t\u1ea1i<\/td>\n<td>48.500 VND<\/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 t\u00e0i ch\u00ednh Techcombank 2024: C\u01a1 s\u1edf d\u1eef li\u1ec7u cho c\u00e2u h\u1ecfi c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank,&#8221; c\u1ea7n ph\u00e2n t\u00edch c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i d\u1ef1a tr\u00ean b\u00e1o c\u00e1o t\u00e0i ch\u00ednh Q3\/2024 m\u1edbi nh\u1ea5t. Trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m 2024, Techcombank th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i v\u1edbi l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 19.245 t\u1ef7 VND, t\u0103ng 16,8% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn n\u1ed5i b\u1eadt v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank duy tr\u00ec t\u1ef7 l\u1ec7 L\u1ee3i nhu\u1eadn tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (ROE) \u1edf m\u1ee9c 19,2%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 15%. T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL) c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd \u1edf m\u1ee9c 1,2%, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi y\u00eau c\u1ea7u c\u1ee7a NHNN l\u00e0 3% v\u00e0 m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 1,8%. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro ti\u00ean ti\u1ebfn m\u00e0 ng\u00e2n h\u00e0ng \u0111ang tri\u1ec3n khai.<\/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>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh ch\u00ednh<\/th>\n<th>Techcombank<\/th>\n<th>Trung b\u00ecnh ng\u00e0nh<\/th>\n<th>L\u1ee3i th\u1ebf c\u1ea1nh tranh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ROE<\/td>\n<td>19,2%<\/td>\n<td>15%<\/td>\n<td>+4,2%<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL)<\/td>\n<td>1,2%<\/td>\n<td>1,8%<\/td>\n<td>+0,6%<\/td>\n<\/tr>\n<tr>\n<td>NIM (Bi\u00ean l\u00e3i r\u00f2ng)<\/td>\n<td>4,7%<\/td>\n<td>3,8%<\/td>\n<td>+0,9%<\/td>\n<\/tr>\n<tr>\n<td>CIR (T\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp)<\/td>\n<td>28,3%<\/td>\n<td>40,5%<\/td>\n<td>+12,2%<\/td>\n<\/tr>\n<tr>\n<td>CASA<\/td>\n<td>46,2%<\/td>\n<td>21,3%<\/td>\n<td>+24,9%<\/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'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1eeb Pocket Option \u0111\u00e1nh gi\u00e1 r\u1eb1ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a Techcombank r\u1ea5t t\u1ed1t, v\u1edbi c\u1ea5u tr\u00fac v\u1ed1n m\u1ea1nh (CAR 15,2%) v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi v\u01b0\u1ee3t tr\u1ed9i. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh khi xem x\u00e9t c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB cho danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1eb7c bi\u1ec7t, chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o c\u00e1c m\u1ea3ng phi t\u00edn d\u1ee5ng gi\u00fap Techcombank \u0111\u1ea1t t\u1ef7 l\u1ec7 thu nh\u1eadp phi l\u00e3i\/thu nh\u1eadp t\u1ed5ng c\u1ed9ng l\u00e0 33,5%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh ch\u1ec9 19,7%. \u0110i\u1ec1u n\u00e0y t\u1ea1o n\u1ec1n t\u1ea3ng cho t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng d\u00e0i h\u1ea1n, gi\u1ea3m s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o 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'>V\u1ecb th\u1ebf c\u1ea1nh tranh v\u00e0 5 l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Techcombank<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB,&#8221; m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh l\u00e0 v\u1ecb th\u1ebf c\u1ea1nh tranh \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Techcombank trong ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/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'>D\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch th\u1ef1c hi\u1ec7n qua k\u00eanh \u0111i\u1ec7n t\u1eed, ti\u1ebft ki\u1ec7m 1.250 t\u1ef7 VND chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng h\u00e0ng n\u0103m<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u1edbi 14 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c bao g\u1ed3m T\u1eadp \u0111o\u00e0n Masan, Vingroup v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 CASA (t\u00e0i kho\u1ea3n thanh to\u00e1n ti\u1ebft ki\u1ec7m) \u0111\u1ea1t 46,2%, cao nh\u1ea5t trong ng\u00e0nh, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1ed1n xu\u1ed1ng 2,9% (th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 0,8%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng thu nh\u1eadp cao v\u1edbi 2,5 tri\u1ec7u kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3, chi\u1ebfm 83% t\u1ed5ng ti\u1ec1n g\u1eedi c\u00e1 nh\u00e2n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd r\u1ee7i ro ti\u00ean ti\u1ebfn theo ti\u00eau chu\u1ea9n Basel III, d\u1eabn \u0111\u1ebfn t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p ch\u1ec9 1,2% (th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 0,6%)<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank l\u00e0 \u0111\u01a1n v\u1ecb ti\u00ean phong trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain v\u00e0o ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, v\u1edbi h\u01a1n 35 tri\u1ec7u giao d\u1ecbch thanh to\u00e1n \u0111\u01b0\u1ee3c x\u1eed l\u00fd qua n\u1ec1n t\u1ea3ng n\u00e0y h\u00e0ng th\u00e1ng. \u1ee8ng d\u1ee5ng ng\u00e2n h\u00e0ng s\u1ed1 Techcombank Mobile \u0111\u1ea1t 4,8\/5 sao tr\u00ean App Store, cao nh\u1ea5t trong c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, v\u1edbi 5,8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1eeb Pocket Option l\u01b0u \u00fd r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m s\u1ed1 v\u00e0 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng thu nh\u1eadp cao \u0111\u00e3 gi\u00fap Techcombank x\u00e2y d\u1ef1ng l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng, v\u1edbi chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n trung b\u00ecnh ng\u00e0nh 35% v\u00e0 t\u1ef7 l\u1ec7 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng cao nh\u1ea5t \u0111\u1ea1t 94,3%.<\/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 kinh doanh &#8220;D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng&#8221; t\u1ea1o l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>M\u00f4 h\u00ecnh kinh doanh &#8220;D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng&#8221; c\u1ee7a Techcombank kh\u00f4ng ch\u1ec9 t\u1eadp trung v\u00e0o vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m m\u00e0 c\u00f2n cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho t\u1eebng giai \u0111o\u1ea1n c\u1ee7a cu\u1ed9c s\u1ed1ng kh\u00e1ch h\u00e0ng. Chi\u1ebfn l\u01b0\u1ee3c n\u00e0y \u0111\u00e3 gi\u00fap ng\u00e2n h\u00e0ng t\u0103ng Gi\u00e1 tr\u1ecb v\u00f2ng \u0111\u1eddi kh\u00e1ch h\u00e0ng l\u00ean 2,3 l\u1ea7n trong 5 n\u0103m qua.<\/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>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c \u0111\u00e1o<\/th>\n<th>L\u1ee3i \u00edch c\u1ee5 th\u1ec3<\/th>\n<th>K\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u1eadp trung v\u00e0o ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 v\u00e0 SME<\/td>\n<td>NIM cao h\u01a1n (4,7%), chi ph\u00ed t\u00edn d\u1ee5ng th\u1ea5p h\u01a1n (0,4%)<\/td>\n<td>Thu nh\u1eadp trung b\u00ecnh kh\u00e1ch h\u00e0ng t\u0103ng 23% h\u00e0ng n\u0103m<\/td>\n<\/tr>\n<tr>\n<td>Ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi n\u1ec1n t\u1ea3ng blockchain<\/td>\n<td>Gi\u1ea3m 62% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, t\u0103ng 84% tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/td>\n<td>95% giao d\u1ecbch qua k\u00eanh s\u1ed1, CIR gi\u1ea3m xu\u1ed1ng 28,3%<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng t\u1ef7 l\u1ec7 thu nh\u1eadp phi t\u00edn d\u1ee5ng<\/td>\n<td>\u0110a d\u1ea1ng h\u00f3a ngu\u1ed3n thu, gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o l\u00e3i su\u1ea5t<\/td>\n<td>33,5% thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng phi t\u00edn d\u1ee5ng<\/td>\n<\/tr>\n<tr>\n<td>H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh v\u1edbi 14 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c<\/td>\n<td>B\u00e1n ch\u00e9o 4,2 s\u1ea3n ph\u1ea9m\/kh\u00e1ch h\u00e0ng<\/td>\n<td>T\u0103ng 28% doanh thu ph\u00ed d\u1ecbch v\u1ee5<\/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 k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu TCB: Xu h\u01b0\u1edbng gi\u00e1 v\u00e0 \u0111i\u1ec3m mua l\u00fd t\u01b0\u1edfng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank&#8221; t\u1eeb g\u00f3c \u0111\u1ed9 th\u1eddi \u0111i\u1ec3m mua ph\u00f9 h\u1ee3p, ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u00f3ng vai tr\u00f2 quy\u1ebft \u0111\u1ecbnh, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn v\u00e0 trung h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo ph\u00e2n t\u00edch m\u1edbi nh\u1ea5t t\u1eeb c\u00e1c chuy\u00ean gia Pocket Option, c\u1ed5 phi\u1ebfu TCB \u0111ang h\u00ecnh th\u00e0nh xu h\u01b0\u1edbng t\u0103ng d\u00e0i h\u1ea1n tr\u00ean bi\u1ec3u \u0111\u1ed3 tu\u1ea7n v\u1edbi m\u00f4 h\u00ecnh &#8220;Cup and Handle&#8221; r\u00f5 r\u00e0ng. M\u1ee9c h\u1ed7 tr\u1ee3 m\u1ea1nh c\u1ee7a TCB n\u1eb1m trong kho\u1ea3ng 42.500-43.800 VND (t\u01b0\u01a1ng \u1ee9ng v\u1edbi Fibonacci 0,382), trong khi kh\u00e1ng c\u1ef1 quan tr\u1ecdng l\u00e0 55.200-57.600 VND (\u0111\u1ec9nh l\u1ecbch s\u1eed thi\u1ebft l\u1eadp v\u00e0o th\u00e1ng 5\/2024).<\/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'>RSI(14) \u0111\u1ea1t 63,5 \u0111i\u1ec3m, ch\u01b0a v\u00e0o v\u00f9ng qu\u00e1 mua (&gt;70), cho th\u1ea5y c\u00f2n d\u01b0 \u0111\u1ecba t\u0103ng gi\u00e1<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD \u0111\u00e3 c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u t\u1eeb ng\u00e0y 12\/09\/2024, t\u1ea1o t\u00edn hi\u1ec7u mua m\u1ea1nh<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MA50 \u0111\u00e3 c\u1eaft l\u00ean tr\u00ean MA200 t\u1eeb th\u00e1ng 8\/2024, t\u1ea1o &#8220;Golden Cross&#8221; &#8211; t\u00edn hi\u1ec7u xu h\u01b0\u1edbng t\u0103ng d\u00e0i h\u1ea1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh 10 phi\u00ean \u0111\u1ea1t 8,3 tri\u1ec7u \u0111\u01a1n v\u1ecb\/phi\u00ean, t\u0103ng 26% so v\u1edbi trung b\u00ecnh 30 phi\u00ean<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt, \u0111i\u1ec3m mua l\u00fd t\u01b0\u1edfng cho TCB l\u00e0 khi gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng 42.500-43.800 VND, v\u1edbi m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n 52.000 VND (+20%) v\u00e0 m\u1ee5c ti\u00eau trung h\u1ea1n 57.600 VND (+34%). Tuy nhi\u00ean, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean \u0111\u1eb7t l\u1ec7nh c\u1eaft l\u1ed7 n\u1ebfu gi\u00e1 ph\u00e1 v\u1ee1 d\u01b0\u1edbi 40.500 VND (-6,5% t\u1eeb m\u1ee9c h\u1ed7 tr\u1ee3).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng n\u0103m 2025 v\u00e0 c\u00e1c r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ea7n l\u01b0u \u00fd<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi xem x\u00e9t c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank, vi\u1ec7c \u0111\u00e1nh gi\u00e1 chi ti\u1ebft tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng v\u00e0 c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh cho quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>5 \u0111\u1ed9ng l\u1ef1c t\u0103ng tr\u01b0\u1edfng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf<\/h3>\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 d\u1eef li\u1ec7u t\u1eeb Pocket Option v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, Techcombank c\u00f3 5 y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i c\u1ee5 th\u1ec3 \u0111\u1ec3 duy tr\u00ec \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd trong n\u0103m 2025:<\/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'>Th\u1ecb ph\u1ea7n t\u00edn d\u1ee5ng SME ch\u1ec9 chi\u1ebfm 11,3% (so v\u1edbi 25% c\u1ee7a VPBank), t\u1ea1o ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 13,7%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a gi\u00fap gi\u1ea3m 62% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, CIR d\u1ef1 ki\u1ebfn gi\u1ea3m t\u1eeb 28,3% xu\u1ed1ng 26% v\u00e0o n\u0103m 2025<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kinh t\u1ebf Vi\u1ec7t Nam d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng GDP 6,5% v\u00e0o n\u0103m 2025, th\u00fac \u0111\u1ea9y nhu c\u1ea7u t\u00edn d\u1ee5ng t\u0103ng 15-16%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam ch\u1ec9 \u0111\u1ea1t 64% (so v\u1edbi 85% t\u1ea1i Th\u00e1i Lan), d\u01b0 \u0111\u1ecba t\u0103ng th\u00eam 21%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ea7ng l\u1edbp trung l\u01b0u Vi\u1ec7t Nam d\u1ef1 ki\u1ebfn t\u0103ng t\u1eeb 25% l\u00ean 45% d\u00e2n s\u1ed1 v\u00e0o n\u0103m 2030, t\u1ea1o nhu c\u1ea7u l\u1edbn cho d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng cao c\u1ea5p<\/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>D\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u Q3\/2024<\/th>\n<th>2024<\/th>\n<th>2025<\/th>\n<th>2026<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn<\/td>\n<td>16,8%<\/td>\n<td>20,2%<\/td>\n<td>22,4%<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td>\n<td>13,5%<\/td>\n<td>15,8%<\/td>\n<td>17,2%<\/td>\n<\/tr>\n<tr>\n<td>NIM<\/td>\n<td>4,7%<\/td>\n<td>4,8%<\/td>\n<td>4,9%<\/td>\n<\/tr>\n<tr>\n<td>Thu nh\u1eadp phi t\u00edn d\u1ee5ng\/T\u1ed5ng thu nh\u1eadp<\/td>\n<td>33,5%<\/td>\n<td>35,8%<\/td>\n<td>38,2%<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>19,2%<\/td>\n<td>20,5%<\/td>\n<td>21,8%<\/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'>Tuy nhi\u00ean, c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank&#8221; kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi \u0111\u1ea7y \u0111\u1ee7 m\u00e0 kh\u00f4ng xem x\u00e9t chi ti\u1ebft c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>4 r\u1ee7i ro c\u1ee5 th\u1ec3 c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd<\/h3>\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 c\u00e2n nh\u1eafc 4 r\u1ee7i ro ch\u00ednh khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB:<\/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'>C\u1ea1nh tranh gay g\u1eaft trong ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi MBBank v\u00e0 VPBank \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o c\u00f4ng ngh\u1ec7 (1.250 t\u1ef7 VND\/n\u0103m)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t: m\u1ed7i l\u1ea7n t\u0103ng 0,25% l\u00e3i su\u1ea5t c\u00f3 th\u1ec3 gi\u1ea3m NIM 0,05-0,07%, \u1ea3nh h\u01b0\u1edfng l\u1ee3i nhu\u1eadn 1,2-1,5%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n: Techcombank c\u00f3 27,8% d\u01b0 n\u1ee3 li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n, cao h\u01a1n trung b\u00ecnh ng\u00e0nh 5,6%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>R\u1ee7i ro an ninh m\u1ea1ng: v\u1edbi 95% giao d\u1ecbch qua k\u00eanh s\u1ed1, m\u1ed7i gi\u1edd gi\u00e1n \u0111o\u1ea1n h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i 15-20 t\u1ef7 VND<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo c\u00e1c chuy\u00ean gia t\u1ea1i Pocket Option, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n \u0111\u00e1nh gi\u00e1 k\u1ef9 l\u01b0\u1ee1ng t\u00e1c \u0111\u1ed9ng c\u1ee7a t\u1eebng r\u1ee7i ro n\u00e0y \u0111\u1ebfn danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank. \u0110\u1eb7c bi\u1ec7t, theo d\u00f5i di\u1ec5n bi\u1ebfn chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t c\u1ee7a NHNN l\u00e0 r\u1ea5t quan tr\u1ecdng trong c\u00e1c qu\u00fd t\u1edbi.<\/p>\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 Techcombank v\u1edbi 3 ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u kh\u00e1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB&#8221; m\u1ed9t c\u00e1ch kh\u00e1ch quan v\u00e0 to\u00e0n di\u1ec7n, so s\u00e1nh Techcombank v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng ph\u00e2n kh\u00fac l\u00e0 b\u01b0\u1edbc ph\u00e2n t\u00edch b\u1eaft bu\u1ed9c.<\/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>C\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecbnh gi\u00e1 (Q3\/2024)<\/th>\n<th>Techcombank<\/th>\n<th>VPBank<\/th>\n<th>ACB<\/th>\n<th>MBBank<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P\/E (TTM)<\/td>\n<td>8,5x<\/td>\n<td>9,2x<\/td>\n<td>7,8x<\/td>\n<td>7,5x<\/td>\n<\/tr>\n<tr>\n<td>P\/B (hi\u1ec7n t\u1ea1i)<\/td>\n<td>1,52x<\/td>\n<td>1,34x<\/td>\n<td>1,58x<\/td>\n<td>1,43x<\/td>\n<\/tr>\n<tr>\n<td>ROE (2023)<\/td>\n<td>19,2%<\/td>\n<td>16,5%<\/td>\n<td>17,8%<\/td>\n<td>18,5%<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u<\/td>\n<td>1,2%<\/td>\n<td>3,5%<\/td>\n<td>1,5%<\/td>\n<td>1,3%<\/td>\n<\/tr>\n<tr>\n<td>CAR (Basel II)<\/td>\n<td>15,2%<\/td>\n<td>14,3%<\/td>\n<td>13,5%<\/td>\n<td>12,8%<\/td>\n<\/tr>\n<tr>\n<td>NIM<\/td>\n<td>4,7%<\/td>\n<td>5,1%<\/td>\n<td>4,2%<\/td>\n<td>4,5%<\/td>\n<\/tr>\n<tr>\n<td>CASA<\/td>\n<td>46,2%<\/td>\n<td>15,8%<\/td>\n<td>22,4%<\/td>\n<td>38,7%<\/td>\n<\/tr>\n<tr>\n<td>CIR<\/td>\n<td>28,3%<\/td>\n<td>32,5%<\/td>\n<td>36,8%<\/td>\n<td>30,2%<\/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'>T\u1eeb b\u1ea3ng so s\u00e1nh chi ti\u1ebft tr\u00ean, c\u00f3 th\u1ec3 th\u1ea5y Techcombank n\u1ed5i b\u1eadt v\u1edbi 5 l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee5 th\u1ec3:<\/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'>ROE cao nh\u1ea5t (19,2%), v\u01b0\u1ee3t VPBank 2,7%, ACB 1,4% v\u00e0 MBBank 0,7%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p nh\u1ea5t (1,2%), t\u1ed1t h\u01a1n VPBank 2,3%, ACB 0,3% v\u00e0 MBBank 0,1%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n (CAR) cao nh\u1ea5t (15,2%), cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi trung b\u00ecnh 13,5% c\u1ee7a 3 ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng (46,2%), cao h\u01a1n VPBank 30,4%, ACB 23,8% v\u00e0 MBBank 7,5%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CIR th\u1ea5p nh\u1ea5t (28,3%), hi\u1ec7u qu\u1ea3 h\u01a1n VPBank 4,2%, ACB 8,5% v\u00e0 MBBank 1,9%<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tuy nhi\u00ean, v\u1ec1 \u0111\u1ecbnh gi\u00e1 P\/E v\u00e0 P\/B, Techcombank kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn r\u1ebb nh\u1ea5t trong nh\u00f3m: P\/E c\u1ee7a TCB (8,5x) cao h\u01a1n ACB (7,8x) v\u00e0 MBBank (7,5x), nh\u01b0ng th\u1ea5p h\u01a1n VPBank (9,2x); P\/B c\u1ee7a TCB (1,52x) cao h\u01a1n VPBank (1,34x) v\u00e0 MBBank (1,43x), nh\u01b0ng th\u1ea5p h\u01a1n ACB (1,58x).<\/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 chuy\u00ean gia Pocket Option, m\u1eb7c d\u00f9 \u0111\u1ecbnh gi\u00e1 c\u1ee7a TCB cao h\u01a1n m\u1ed9t s\u1ed1 \u0111\u1ed1i th\u1ee7, v\u1edbi ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t tr\u1ed9i (NPL 1,2%) v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh (l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn t\u0103ng 20,2% v\u00e0o n\u0103m 2025), c\u1ed5 phi\u1ebfu TCB v\u1eabn \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd v\u00e0 c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu TCB chi ti\u1ebft theo m\u1ee5c ti\u00eau<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank&#8221; c\u1ea7n \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi c\u1ee5 th\u1ec3 theo t\u1eebng m\u1ee5c ti\u00eau v\u00e0 khung th\u1eddi gian \u0111\u1ea7u t\u01b0. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 chi ti\u1ebft c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ed5 phi\u1ebfu TCB:<\/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 3 n\u0103m)<\/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, Techcombank n\u1ed5i b\u1eadt l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u00ec 4 l\u00fd do ch\u00ednh:<\/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'>N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh m\u1ea1nh v\u1edbi CAR 15,2% v\u00e0 NPL 1,2%, ROE d\u1ef1 b\u00e1o t\u0103ng l\u00ean 21,8% v\u00e0o n\u0103m 2026<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi 95% giao d\u1ecbch qua k\u00eanh \u0111i\u1ec7n t\u1eed v\u00e0 5,8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng h\u00e0ng th\u00e1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u1ea3 n\u0103ng duy tr\u00ec t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn k\u00e9p (CAGR) 20% trong giai \u0111o\u1ea1n 2024-2026 nh\u1edd m\u00f4 h\u00ecnh &#8220;D\u1eabn d\u1eaft b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng&#8221;<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ti\u1ec1m n\u0103ng t\u0103ng c\u1ed5 t\u1ee9c t\u1eeb 25% l\u00ean 40% trong 3 n\u0103m t\u1edbi khi CAR v\u01b0\u1ee3t xa y\u00eau c\u1ea7u (8%)<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n t\u1ed1i \u01b0u v\u1edbi TCB bao g\u1ed3m mua v\u00e0 gi\u1eef c\u1ed5 phi\u1ebfu, \u0111\u1ed3ng th\u1eddi t\u00edch l\u0169y th\u00eam trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh s\u00e2u (gi\u1ea3m 15-20% t\u1eeb \u0111\u1ec9nh). D\u1ef1a tr\u00ean m\u00f4 h\u00ecnh DCF (D\u00f2ng ti\u1ec1n chi\u1ebft kh\u1ea5u), gi\u00e1 m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n c\u1ee7a TCB c\u00f3 th\u1ec3 \u0111\u1ea1t 75.000-80.000 VND v\u00e0o n\u0103m 2026 (+65-75% t\u1eeb gi\u00e1 hi\u1ec7n t\u1ea1i).<\/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\u1eeb Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n n\u00ean ph\u00e2n b\u1ed5 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu TCB, v\u1edbi 70% v\u1ed1n \u0111\u1ea7u t\u01b0 \u1edf m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 30% c\u00f2n l\u1ea1i s\u1eb5n s\u00e0ng mua th\u00eam trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh.<\/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 trung h\u1ea1n (6-24 th\u00e1ng)<\/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 trung h\u1ea1n, c\u00e2u h\u1ecfi c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng h\u01a1n, v\u1edbi chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3:<\/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'>Mua 50% t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh 42.500-43.800 VND (Fibonacci 0,382) v\u00e0 50% khi x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng (ph\u00e1 v\u1ee1 tr\u00ean 49.500 VND v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ch\u1ed1t l\u1eddi 30% khi \u0111\u1ea1t m\u1ee5c ti\u00eau 1 (52.000 VND, +20%), 40% khi \u0111\u1ea1t m\u1ee5c ti\u00eau 2 (57.600 VND, +34%), gi\u1eef l\u1ea1i 30% cho m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p trailing stop 8% \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i nhu\u1eadn \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1eb7t l\u1ec7nh c\u1eaft l\u1ed7 t\u1ea1i 40.500 VND (-6,5% t\u1eeb \u0111i\u1ec3m mua th\u1ea5p nh\u1ea5t) \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt &#8220;Advanced Chart&#8221; v\u1edbi 86 ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt v\u00e0 m\u00f4 h\u00ecnh gi\u00e1, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c \u0111i\u1ec3m v\u00e0o v\u00e0 ra l\u00fd t\u01b0\u1edfng cho c\u1ed5 phi\u1ebfu TCB. H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o gi\u00e1 theo th\u1eddi gian th\u1ef1c s\u1ebd th\u00f4ng b\u00e1o khi TCB ch\u1ea1m c\u00e1c m\u1ee9c gi\u00e1 quan tr\u1ecdng.<\/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: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank v\u00e0o n\u0103m 2025?<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Sau khi ph\u00e2n t\u00edch to\u00e0n di\u1ec7n m\u1ecdi kh\u00eda c\u1ea1nh c\u1ee7a Techcombank d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1eadp nh\u1eadt \u0111\u1ebfn Q3\/2024, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e2u tr\u1ea3 l\u1eddi c\u00f3 c\u01a1 s\u1edf cho c\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Techcombank.&#8221;<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank v\u1edbi ROE 19,2%, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u th\u1ea5p 1,2%, CASA d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng 46,2%, v\u00e0 chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a v\u01b0\u1ee3t tr\u1ed9i (95% giao d\u1ecbch qua k\u00eanh \u0111i\u1ec7n t\u1eed), \u0111ang cho th\u1ea5y ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh v\u1edbi d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn t\u0103ng 20,2% v\u00e0o n\u0103m 2025. \u0110\u1ecbnh gi\u00e1 P\/E 8,5x v\u00e0 P\/B 1,52x, d\u00f9 kh\u00f4ng r\u1ebb nh\u1ea5t trong ng\u00e0nh, v\u1eabn h\u1ea5p d\u1eabn so v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tuy nhi\u00ean, quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB ph\u1ee5 thu\u1ed9c v\u00e0o 3 y\u1ebfu t\u1ed1 ch\u00ednh cho t\u1eebng nh\u00e0 \u0111\u1ea7u t\u01b0:<\/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'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 3 n\u0103m): TCB l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng 65-75% v\u00e0o n\u0103m 2026, n\u00ean chi\u1ebfm 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 trung h\u1ea1n (6-24 th\u00e1ng): TCB c\u00f3 tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c v\u1edbi m\u1ee5c ti\u00eau t\u0103ng 20-34%, nh\u01b0ng c\u1ea7n chi\u1ebfn l\u01b0\u1ee3c mua t\u1ea1i v\u00f9ng h\u1ed7 tr\u1ee3 42.500-43.800 VND ho\u1eb7c ph\u00e1 v\u1ee1 tr\u00ean 49.500 VND<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 6 th\u00e1ng): N\u00ean ch\u1edd t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt r\u00f5 r\u00e0ng, v\u1edbi khung th\u1eddi gian t\u1ed1i thi\u1ec3u 1-3 th\u00e1ng \u0111\u1ec3 c\u00f3 th\u1ec3 sinh l\u1eddi hi\u1ec7u qu\u1ea3 t\u1eeb TCB<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ebft lu\u1eadn cu\u1ed1i c\u00f9ng, Pocket Option khuy\u1ebfn ngh\u1ecb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean ph\u00e2n b\u1ed5 c\u1ed5 phi\u1ebfu TCB m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh, v\u1edbi t\u1ef7 tr\u1ecdng ph\u00f9 h\u1ee3p theo m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n, \u0111\u1ed3ng th\u1eddi theo d\u00f5i ch\u1eb7t ch\u1ebd c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng: (1) T\u00ecnh h\u00ecnh kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 ch\u00ednh s\u00e1ch l\u00e3i su\u1ea5t, (2) K\u1ebft qu\u1ea3 kinh doanh h\u00e0ng qu\u00fd c\u1ee7a TCB, (3) Di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n, v\u00e0 (4) C\u1ea1nh tranh trong ng\u00e2n h\u00e0ng s\u1ed1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e2u h\u1ecfi &#8220;c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu TCB&#8221; kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi \u0111\u00fang tuy\u1ec7t \u0111\u1ed1i cho m\u1ecdi ng\u01b0\u1eddi, m\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n. Tham kh\u1ea3o \u00fd ki\u1ebfn chuy\u00ean gia t\u00e0i ch\u00ednh t\u1eeb Pocket Option qua t\u00ednh n\u0103ng &#8220;Expert Advisor&#8221; \u0111\u1ec3 nh\u1eadn ph\u00e2n t\u00edch chi ti\u1ebft ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/p>\n<\/div>\n"},"faq":[{"question":"C\u1ed5 phi\u1ebfu Techcombank hi\u1ec7n c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd kh\u00f4ng?","answer":"D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 hi\u1ec7n t\u1ea1i, c\u1ed5 phi\u1ebfu Techcombank \u0111ang giao d\u1ecbch v\u1edbi P\/E l\u00e0 8.5x v\u00e0 P\/B l\u00e0 1.52x, cao h\u01a1n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u01b0 ACB (P\/E 7.8x) v\u00e0 MBBank (P\/E 7.5x), nh\u01b0ng th\u1ea5p h\u01a1n VPBank (P\/E 9.2x). V\u1edbi ROE l\u00e0 19.2% (cao nh\u1ea5t trong nh\u00f3m) v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn l\u00e0 20.2% v\u00e0o n\u0103m 2025, TCB v\u1eabn \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd. T\u1ef7 l\u1ec7 PEG (Price\/Earnings to Growth) c\u1ee7a TCB l\u00e0 0.42, th\u1ea5p h\u01a1n 1.0, cho th\u1ea5y c\u1ed5 phi\u1ebfu v\u1eabn c\u00f2n d\u01b0 \u0111\u1ecba \u0111\u1ec3 t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi."},{"question":"C\u00e1ch ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu TCB?","answer":"Ph\u00e2n t\u00edch TCB hi\u1ec7u qu\u1ea3 y\u00eau c\u1ea7u k\u1ebft h\u1ee3p 4 ph\u01b0\u01a1ng ph\u00e1p: (1) Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n - theo d\u00f5i ROE, NIM, t\u1ef7 l\u1ec7 NPL, CIR, CASA trong c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd; (2) Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt - s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh gi\u00e1, \u0111\u01b0\u1eddng MA50\/MA200, RSI, MACD v\u00e0 c\u00e1c ch\u1ec9 b\u00e1o Bollinger Bands; (3) Ph\u00e2n t\u00edch ng\u00e0nh - so s\u00e1nh v\u1edbi VPBank, ACB, MBBank \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ea1nh tranh; (4) Ph\u00e2n t\u00edch kinh t\u1ebf v\u0129 m\u00f4 - \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n\" t\u00edch h\u1ee3p c\u1ea3 4 ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, c\u1eadp nh\u1eadt theo th\u1eddi gian th\u1ef1c."},{"question":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Techcombank l\u00e0 khi b\u1ea1n \u0111\u00e3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 th\u1ecb tr\u01b0\u1eddng, ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu, v\u00e0 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c gi\u00e1 h\u1ee3p l\u00fd d\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng.","answer":"Th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua TCB l\u00e0 khi: (1) Gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh 42,500-43,800 VND (Fibonacci 0.382); (2) Sau khi c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 kinh doanh qu\u00fd v\u01b0\u1ee3t k\u1ef3 v\u1ecdng (th\u01b0\u1eddng v\u00e0o tu\u1ea7n 3-4 c\u1ee7a th\u00e1ng \u0111\u1ea7u ti\u00ean c\u1ee7a qu\u00fd); (3) Khi c\u00f3 c\u00e1c t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng: MACD c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u + RSI v\u01b0\u1ee3t 50 + kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch t\u0103ng 30% so v\u1edbi trung b\u00ecnh 20 phi\u00ean; (4) Sau c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng kh\u00f4ng li\u00ean quan \u0111\u1ebfn n\u1ec1n t\u1ea3ng c\u1ee7a Techcombank."},{"question":"Nh\u1eefng r\u1ee7i ro c\u1ee5 th\u1ec3 n\u00e0o c\u1ea7n l\u01b0u \u00fd \u0111\u1ed1i v\u1edbi Techcombank?","answer":"B\u1ed1n r\u1ee7i ro ch\u00ednh: (1) R\u1ee7i ro chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n - 27,8% d\u01b0 n\u1ee3 c\u1ee7a TCB li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u1ed7i khi gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m 5% c\u00f3 th\u1ec3 l\u00e0m t\u0103ng NPL l\u00ean 0,3-0,4%; (2) R\u1ee7i ro l\u00e3i su\u1ea5t - m\u1ed7i khi l\u00e3i su\u1ea5t t\u0103ng 0,25% c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m NIM t\u1eeb 0,05-0,07%, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn 1,2-1,5% l\u1ee3i nhu\u1eadn; (3) C\u1ea1nh tranh ng\u00e2n h\u00e0ng s\u1ed1 - VPBank v\u00e0 MBBank \u0111ang \u0111\u1ea7u t\u01b0 1.250 t\u1ef7 VND\/n\u0103m v\u00e0o c\u00f4ng ngh\u1ec7, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a TCB; (4) R\u1ee7i ro an ninh m\u1ea1ng - v\u1edbi 95% giao d\u1ecbch qua c\u00e1c k\u00eanh s\u1ed1, c\u00e1c s\u1ef1 c\u1ed1 an ninh c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i t\u00e0i ch\u00ednh v\u00e0 uy t\u00edn \u0111\u00e1ng k\u1ec3."},{"question":"C\u1ed5 phi\u1ebfu Techcombank c\u00f3 n\u00ean \u0111\u01b0\u1ee3c mua v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n kh\u00f4ng?","answer":"\u0110\u1ed1i v\u1edbi \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 3 n\u0103m), TCB \u0111\u01b0\u1ee3c coi l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u1edbi 4 l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3: (1) N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh m\u1ea1nh (CAR 15,2%, NPL 1,2%, ROE 19,2%); (2) V\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1; (3) L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng CAGR 20% cho giai \u0111o\u1ea1n 2024-2026; (4) Ti\u1ec1m n\u0103ng t\u0103ng c\u1ed5 t\u1ee9c t\u1eeb 25% l\u00ean 40%. Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u l\u00e0 ph\u00e2n b\u1ed5 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o TCB, mua 70% \u1edf m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 30% trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 75,000-80,000 VND v\u00e0o n\u0103m 2026 (+65-75%). Tuy nhi\u00ean, c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd di\u1ec5n bi\u1ebfn ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"C\u1ed5 phi\u1ebfu Techcombank hi\u1ec7n c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd kh\u00f4ng?","answer":"D\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 hi\u1ec7n t\u1ea1i, c\u1ed5 phi\u1ebfu Techcombank \u0111ang giao d\u1ecbch v\u1edbi P\/E l\u00e0 8.5x v\u00e0 P\/B l\u00e0 1.52x, cao h\u01a1n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u01b0 ACB (P\/E 7.8x) v\u00e0 MBBank (P\/E 7.5x), nh\u01b0ng th\u1ea5p h\u01a1n VPBank (P\/E 9.2x). V\u1edbi ROE l\u00e0 19.2% (cao nh\u1ea5t trong nh\u00f3m) v\u00e0 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn l\u00e0 20.2% v\u00e0o n\u0103m 2025, TCB v\u1eabn \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1ecbnh gi\u00e1 h\u1ee3p l\u00fd. T\u1ef7 l\u1ec7 PEG (Price\/Earnings to Growth) c\u1ee7a TCB l\u00e0 0.42, th\u1ea5p h\u01a1n 1.0, cho th\u1ea5y c\u1ed5 phi\u1ebfu v\u1eabn c\u00f2n d\u01b0 \u0111\u1ecba \u0111\u1ec3 t\u0103ng gi\u00e1 20-25% trong 12 th\u00e1ng t\u1edbi."},{"question":"C\u00e1ch ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 c\u1ed5 phi\u1ebfu TCB?","answer":"Ph\u00e2n t\u00edch TCB hi\u1ec7u qu\u1ea3 y\u00eau c\u1ea7u k\u1ebft h\u1ee3p 4 ph\u01b0\u01a1ng ph\u00e1p: (1) Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n - theo d\u00f5i ROE, NIM, t\u1ef7 l\u1ec7 NPL, CIR, CASA trong c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh h\u00e0ng qu\u00fd; (2) Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt - s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh gi\u00e1, \u0111\u01b0\u1eddng MA50\/MA200, RSI, MACD v\u00e0 c\u00e1c ch\u1ec9 b\u00e1o Bollinger Bands; (3) Ph\u00e2n t\u00edch ng\u00e0nh - so s\u00e1nh v\u1edbi VPBank, ACB, MBBank \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u1ecb th\u1ebf c\u1ea1nh tranh; (4) Ph\u00e2n t\u00edch kinh t\u1ebf v\u0129 m\u00f4 - \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u1ee7a l\u00e3i su\u1ea5t, t\u1ef7 gi\u00e1, ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \"Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n\" t\u00edch h\u1ee3p c\u1ea3 4 ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, c\u1eadp nh\u1eadt theo th\u1eddi gian th\u1ef1c."},{"question":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Techcombank l\u00e0 khi b\u1ea1n \u0111\u00e3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 th\u1ecb tr\u01b0\u1eddng, ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu, v\u00e0 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c gi\u00e1 h\u1ee3p l\u00fd d\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh v\u00e0 tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng.","answer":"Th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua TCB l\u00e0 khi: (1) Gi\u00e1 \u0111i\u1ec1u ch\u1ec9nh v\u1ec1 v\u00f9ng h\u1ed7 tr\u1ee3 m\u1ea1nh 42,500-43,800 VND (Fibonacci 0.382); (2) Sau khi c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 kinh doanh qu\u00fd v\u01b0\u1ee3t k\u1ef3 v\u1ecdng (th\u01b0\u1eddng v\u00e0o tu\u1ea7n 3-4 c\u1ee7a th\u00e1ng \u0111\u1ea7u ti\u00ean c\u1ee7a qu\u00fd); (3) Khi c\u00f3 c\u00e1c t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt x\u00e1c nh\u1eadn xu h\u01b0\u1edbng t\u0103ng: MACD c\u1eaft l\u00ean tr\u00ean \u0111\u01b0\u1eddng t\u00edn hi\u1ec7u + RSI v\u01b0\u1ee3t 50 + kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch t\u0103ng 30% so v\u1edbi trung b\u00ecnh 20 phi\u00ean; (4) Sau c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng kh\u00f4ng li\u00ean quan \u0111\u1ebfn n\u1ec1n t\u1ea3ng c\u1ee7a Techcombank."},{"question":"Nh\u1eefng r\u1ee7i ro c\u1ee5 th\u1ec3 n\u00e0o c\u1ea7n l\u01b0u \u00fd \u0111\u1ed1i v\u1edbi Techcombank?","answer":"B\u1ed1n r\u1ee7i ro ch\u00ednh: (1) R\u1ee7i ro chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n - 27,8% d\u01b0 n\u1ee3 c\u1ee7a TCB li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m\u1ed7i khi gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m 5% c\u00f3 th\u1ec3 l\u00e0m t\u0103ng NPL l\u00ean 0,3-0,4%; (2) R\u1ee7i ro l\u00e3i su\u1ea5t - m\u1ed7i khi l\u00e3i su\u1ea5t t\u0103ng 0,25% c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m NIM t\u1eeb 0,05-0,07%, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn 1,2-1,5% l\u1ee3i nhu\u1eadn; (3) C\u1ea1nh tranh ng\u00e2n h\u00e0ng s\u1ed1 - VPBank v\u00e0 MBBank \u0111ang \u0111\u1ea7u t\u01b0 1.250 t\u1ef7 VND\/n\u0103m v\u00e0o c\u00f4ng ngh\u1ec7, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m l\u1ee3i th\u1ebf c\u1ea1nh tranh c\u1ee7a TCB; (4) R\u1ee7i ro an ninh m\u1ea1ng - v\u1edbi 95% giao d\u1ecbch qua c\u00e1c k\u00eanh s\u1ed1, c\u00e1c s\u1ef1 c\u1ed1 an ninh c\u00f3 th\u1ec3 g\u00e2y thi\u1ec7t h\u1ea1i t\u00e0i ch\u00ednh v\u00e0 uy t\u00edn \u0111\u00e1ng k\u1ec3."},{"question":"C\u1ed5 phi\u1ebfu Techcombank c\u00f3 n\u00ean \u0111\u01b0\u1ee3c mua v\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n kh\u00f4ng?","answer":"\u0110\u1ed1i v\u1edbi \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (tr\u00ean 3 n\u0103m), TCB \u0111\u01b0\u1ee3c coi l\u00e0 l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn v\u1edbi 4 l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3: (1) N\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh m\u1ea1nh (CAR 15,2%, NPL 1,2%, ROE 19,2%); (2) V\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1; (3) L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng CAGR 20% cho giai \u0111o\u1ea1n 2024-2026; (4) Ti\u1ec1m n\u0103ng t\u0103ng c\u1ed5 t\u1ee9c t\u1eeb 25% l\u00ean 40%. Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u l\u00e0 ph\u00e2n b\u1ed5 7-10% danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0o TCB, mua 70% \u1edf m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 30% trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh, v\u1edbi m\u1ee5c ti\u00eau gi\u00e1 75,000-80,000 VND v\u00e0o n\u0103m 2026 (+65-75%). Tuy nhi\u00ean, c\u1ea7n theo d\u00f5i ch\u1eb7t ch\u1ebd di\u1ec5n bi\u1ebfn ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7."}]}},"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\u00f3 N\u00ean Mua C\u1ed5 Phi\u1ebfu Techcombank: Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n v\u00e0 Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 2025<\/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\/knowledge-base\/trading\/stock-should-buy-techcombank-stock\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3 N\u00ean Mua C\u1ed5 Phi\u1ebfu Techcombank: Ph\u00e2n T\u00edch To\u00e0n Di\u1ec7n v\u00e0 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