{"id":302763,"date":"2025-07-12T16:58:19","date_gmt":"2025-07-12T16:58:19","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/why-tcb-stocks-plummeted-2\/"},"modified":"2025-07-12T16:58:19","modified_gmt":"2025-07-12T16:58:19","slug":"why-tcb-stocks-plummeted","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/why-tcb-stocks-plummeted\/","title":{"rendered":"T\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh 33%: Ph\u00e2n t\u00edch to\u00e0n di\u1ec7n cho nh\u00e0 \u0111\u1ea7u t\u01b0"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":50,"featured_media":193269,"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-302763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-platform","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option - T\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option - T\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh"},"description":"Kh\u00e1m ph\u00e1 ngay l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n, d\u1eef li\u1ec7u Q3\/2024 v\u00e0 5 chi\u1ebfn l\u01b0\u1ee3c \u1ee9ng ph\u00f3 kh\u1ea9n c\u1ea5p t\u1eeb c\u00e1c chuy\u00ean gia Pocket Option","description_source":{"label":"Description","type":"textarea","formatted_value":"Kh\u00e1m ph\u00e1 ngay l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n, d\u1eef li\u1ec7u Q3\/2024 v\u00e0 5 chi\u1ebfn l\u01b0\u1ee3c \u1ee9ng ph\u00f3 kh\u1ea9n c\u1ea5p t\u1eeb c\u00e1c chuy\u00ean gia Pocket Option"},"intro":"Hi\u1ec7n t\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu TCB (Techcombank) gi\u1ea3m h\u01a1n 33% k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2024 \u0111ang khi\u1ebfn h\u00e0ng ng\u00e0n nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam lo l\u1eafng. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 5 nguy\u00ean nh\u00e2n ch\u00ednh, di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng h\u00e0ng tu\u1ea7n, v\u00e0 \u0111\u01b0a ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c th\u00edch \u1ee9ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh trong b\u1ed1i c\u1ea3nh bi\u1ebfn \u0111\u1ed9ng n\u00e0y.","intro_source":{"label":"Intro","type":"text","formatted_value":"Hi\u1ec7n t\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu TCB (Techcombank) gi\u1ea3m h\u01a1n 33% k\u1ec3 t\u1eeb \u0111\u1ea7u n\u0103m 2024 \u0111ang khi\u1ebfn h\u00e0ng ng\u00e0n nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam lo l\u1eafng. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 5 nguy\u00ean nh\u00e2n ch\u00ednh, di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng h\u00e0ng tu\u1ea7n, v\u00e0 \u0111\u01b0a ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c th\u00edch \u1ee9ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh trong b\u1ed1i c\u1ea3nh bi\u1ebfn \u0111\u1ed9ng n\u00e0y."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>\u0110\u1ed9ng l\u1ef1c suy gi\u1ea3m c\u1ed5 phi\u1ebfu TCB v\u00e0 b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong qu\u00fd 3\/2024, nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1eb7t c\u00e2u h\u1ecfi \"t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh\" khi ch\u1ee9ng ki\u1ebfn c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y gi\u1ea3m t\u1eeb 48,000 xu\u1ed1ng 32,000 VND ch\u1ec9 trong 9 th\u00e1ng. Techcombank - t\u1eebng l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb cao nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng tr\u00ean 160,000 t\u1ef7 VND - \u0111\u00e3 m\u1ea5t v\u1ecb th\u1ebf v\u00e0 r\u01a1i v\u00e0o nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ng\u00e0y<\/th><th>Gi\u00e1 c\u1ed5 phi\u1ebfu TCB (VND)<\/th><th>% Thay \u0111\u1ed5i<\/th><th>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch<\/th><th>So v\u1edbi VN-Index<\/th><\/tr><\/thead><tbody><tr><td>02\/01\/2024<\/td><td>48,150<\/td><td>-<\/td><td>3.2 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>-<\/td><\/tr><tr><td>31\/03\/2024<\/td><td>42,350<\/td><td>-12.0%<\/td><td>4.3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Th\u1ea5p h\u01a1n 7.2%<\/td><\/tr><tr><td>30\/06\/2024<\/td><td>36,700<\/td><td>-13.3%<\/td><td>6.5 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Th\u1ea5p h\u01a1n 9.1%<\/td><\/tr><tr><td>30\/09\/2024<\/td><td>32,100<\/td><td>-12.5%<\/td><td>8.8 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Th\u1ea5p h\u01a1n 11.3%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u00ecn v\u00e0o b\u1ea3ng tr\u00ean, c\u1ed5 phi\u1ebfu TCB \u0111\u00e3 m\u1ea5t 1\/3 gi\u00e1 tr\u1ecb ch\u1ec9 trong 9 th\u00e1ng, \u0111\u1eb7c bi\u1ec7t trong giai \u0111o\u1ea1n t\u1eeb th\u00e1ng 7 \u0111\u1ebfn th\u00e1ng 9 v\u1edbi s\u1ef1 suy gi\u1ea3m li\u00ean t\u1ee5c trong h\u01a1n 3 tu\u1ea7n li\u00ean ti\u1ebfp. Trong khi VN-Index ch\u1ec9 gi\u1ea3m kho\u1ea3ng 10% trong c\u00f9ng k\u1ef3, TCB gi\u1ea3m g\u1ea5p 3 l\u1ea7n so v\u1edbi ch\u1ec9 s\u1ed1 chung, khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a Pocket Option t\u00ecm ki\u1ebfm c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ph\u00f2ng ng\u1eeba r\u1ee7i ro.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n c\u00e2u h\u1ecfi \"t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh\", c\u1ea7n ph\u00e2n t\u00edch t\u1ea5t c\u1ea3 5 nh\u00f3m y\u1ebfu t\u1ed1: k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 2\/2024, chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c, \u00e1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, ch\u1ec9 s\u1ed1 k\u1ef9 thu\u1eadt ti\u00eau c\u1ef1c, v\u00e0 t\u00e1c \u0111\u1ed9ng t\u1eeb th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1c y\u1ebfu t\u1ed1 n\u1ed9i t\u1ea1i t\u1eeb Techcombank d\u1eabn \u0111\u1ebfn s\u1ef1 suy gi\u1ea3m<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi ph\u00e2n t\u00edch l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh, ch\u00fang ta ph\u1ea3i xem x\u00e9t c\u00e1c s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 c\u1ee7a Techcombank trong hai qu\u00fd g\u1ea7n \u0111\u00e2y, \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 suy gi\u1ea3m r\u00f5 r\u1ec7t trong t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn v\u00e0 \u00e1p l\u1ef1c c\u1ea1nh tranh ng\u00e0y c\u00e0ng gay g\u1eaft. Hi\u1ec7n t\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu Techcombank gi\u1ea3m m\u1ea1nh \u0111\u00e3 khi\u1ebfn nhi\u1ec1u nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e1nh gi\u00e1 l\u1ea1i to\u00e0n b\u1ed9 m\u00f4 h\u00ecnh kinh doanh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>K\u1ebft qu\u1ea3 kinh doanh qu\u00fd 2\/2024: T\u0103ng tr\u01b0\u1edfng ch\u1ec9 5.7% - Th\u1ea5p nh\u1ea5t trong 5 n\u0103m<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>L\u1ee3i nhu\u1eadn sau thu\u1ebf c\u1ee7a Techcombank trong qu\u00fd 2\/2024 ch\u1ec9 \u0111\u1ea1t 4,984 t\u1ef7 VND, t\u0103ng 5.7% - m\u1ee9c th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2019 v\u00e0 ch\u1ec9 b\u1eb1ng 1\/3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 17.8% trong giai \u0111o\u1ea1n 2019-2023. \u0110\u00e1ng ch\u00fa \u00fd, thu nh\u1eadp ngo\u00e0i l\u00e3i gi\u1ea3m 6.2% trong khi chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u0103ng 4.4%, cho th\u1ea5y d\u1ea5u hi\u1ec7u \u00e1p l\u1ef1c l\u00ean hi\u1ec7u qu\u1ea3 kinh doanh.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1 (t\u1ef7 VND)<\/th><th>Q2\/2024<\/th><th>Q2\/2023<\/th><th>% Thay \u0111\u1ed5i<\/th><th>So v\u1edbi k\u1ef3 v\u1ecdng<\/th><\/tr><\/thead><tbody><tr><td>Thu nh\u1eadp l\u00e3i thu\u1ea7n<\/td><td>7,852<\/td><td>7,463<\/td><td>+5.2%<\/td><td>-3.8%<\/td><\/tr><tr><td>Thu nh\u1eadp ngo\u00e0i l\u00e3i<\/td><td>2,931<\/td><td>3,125<\/td><td>-6.2%<\/td><td>-12.5%<\/td><\/tr><tr><td>T\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng<\/td><td>10,783<\/td><td>10,588<\/td><td>+1.8%<\/td><td>-7.2%<\/td><\/tr><tr><td>Chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/td><td>3,265<\/td><td>3,127<\/td><td>+4.4%<\/td><td>+2.1%<\/td><\/tr><tr><td>L\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf<\/td><td>6,245<\/td><td>5,903<\/td><td>+5.8%<\/td><td>-8.3%<\/td><\/tr><tr><td>L\u1ee3i nhu\u1eadn sau thu\u1ebf<\/td><td>4,984<\/td><td>4,714<\/td><td>+5.7%<\/td><td>-9.4%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>S\u1ef1 ch\u1eadm l\u1ea1i trong t\u0103ng tr\u01b0\u1edfng kh\u00f4ng ch\u1ec9 do chi ph\u00ed v\u1ed1n t\u0103ng (t\u1eeb 3.2% l\u00ean 3.7%) m\u00e0 c\u00f2n do c\u1ea1nh tranh gay g\u1eaft trong huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi v\u1edbi Vietcombank v\u00e0 BIDV. \u0110\u00e1ng ch\u00fa \u00fd, th\u1ecb ph\u1ea7n cho vay c\u1ee7a TCB gi\u1ea3m t\u1eeb 9.8% xu\u1ed1ng 9.3% trong 6 th\u00e1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>\u00c1p l\u1ef1c t\u1eeb chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Techcombank \u0111ang th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac m\u1ea1nh m\u1ebd, chuy\u1ec3n t\u1eeb cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n sang cho vay ti\u00eau d\u00f9ng v\u00e0 SME. Theo b\u00e1o c\u00e1o qu\u00fd 2\/2024, t\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 gi\u1ea3m t\u1eeb 45.2% (cu\u1ed1i n\u0103m 2023) xu\u1ed1ng 32.1%, gi\u1ea3m 13.1% ch\u1ec9 trong 6 th\u00e1ng - t\u1ed1c \u0111\u1ed9 \u0111i\u1ec1u ch\u1ec9nh nhanh nh\u1ea5t trong l\u1ecbch s\u1eed ng\u00e2n h\u00e0ng.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m t\u1eeb 45.2% xu\u1ed1ng 32.1% (-13.1%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng cho vay b\u00e1n l\u1ebb t\u0103ng t\u1eeb 25.3% l\u00ean 38.7% (+13.4%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>NIM gi\u1ea3m t\u1eeb 4.82% xu\u1ed1ng 4.53% do chi ph\u00ed v\u1ed1n t\u0103ng 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u0103ng 14.5% so v\u1edbi c\u00f9ng k\u1ef3, \u0111\u1ea1t 1,273 t\u1ef7 VND<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e1nh gi\u00e1 r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, m\u1eb7c d\u00f9 \u0111\u00fang \u0111\u1eafn trong d\u00e0i h\u1ea1n, t\u1ea1o ra m\u1ed9t \"c\u00fa s\u1ed1c ng\u1eafn h\u1ea1n\" cho k\u1ebft qu\u1ea3 kinh doanh, \u0111\u1eb7c bi\u1ec7t khi qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i di\u1ec5n ra qu\u00e1 nhanh trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng chung kh\u00f3 kh\u0103n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u00e1c \u0111\u1ed9ng t\u1eeb c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 v\u00e0 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e2u h\u1ecfi \"t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh\" c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch trong b\u1ed1i c\u1ea3nh v\u0129 m\u00f4 v\u1edbi 4 y\u1ebfu t\u1ed1 ch\u00ednh: l\u00e3i su\u1ea5t to\u00e0n c\u1ea7u t\u0103ng, t\u0103ng tr\u01b0\u1edfng GDP c\u1ee7a Vi\u1ec7t Nam ch\u1eadm l\u1ea1i, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng, v\u00e0 v\u1ed1n FII r\u00fat m\u1ea1nh kh\u1ecfi th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Y\u1ebfu t\u1ed1 v\u0129 m\u00f4<\/th><th>Di\u1ec5n bi\u1ebfn c\u1ee5 th\u1ec3<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean TCB<\/th><th>M\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng<\/th><\/tr><\/thead><tbody><tr><td>L\u00e3i su\u1ea5t to\u00e0n c\u1ea7u<\/td><td>Fed duy tr\u00ec m\u1ee9c 5.25-5.5% \u0111\u1ebfn Q4\/2024<\/td><td>FII r\u00fat r\u00f2ng 5,800 t\u1ef7 VND kh\u1ecfi th\u1ecb tr\u01b0\u1eddng VN, ri\u00eang TCB 680 t\u1ef7 VND<\/td><td>Cao (\u2605\u2605\u2605\u2605\u2606)<\/td><\/tr><tr><td>T\u0103ng tr\u01b0\u1edfng kinh t\u1ebf<\/td><td>GDP Q2\/2024 ch\u1ec9 t\u0103ng 5.3%, th\u1ea5p h\u01a1n m\u1ee5c ti\u00eau 6%<\/td><td>Nhu c\u1ea7u vay gi\u1ea3m 12%, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng 0.3%<\/td><td>Trung b\u00ecnh (\u2605\u2605\u2605\u2606\u2606)<\/td><\/tr><tr><td>Th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/td><td>Giao d\u1ecbch Q2\/2024 gi\u1ea3m 35% so v\u1edbi c\u00f9ng k\u1ef3<\/td><td>Gi\u1ea3m m\u1ea1nh cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n (t\u1eeb 45.2% xu\u1ed1ng 32.1%)<\/td><td>R\u1ea5t cao (\u2605\u2605\u2605\u2605\u2605)<\/td><\/tr><tr><td>C\u1ea1nh tranh ng\u00e0nh<\/td><td>15 ng\u00e2n h\u00e0ng \u0111\u1ed3ng lo\u1ea1t t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi<\/td><td>Chi ph\u00ed v\u1ed1n t\u0103ng t\u1eeb 3.2% l\u00ean 3.7%, NIM gi\u1ea3m 0.29%<\/td><td>Cao (\u2605\u2605\u2605\u2605\u2606)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u00e1ng ch\u00fa \u00fd l\u00e0 to\u00e0n b\u1ed9 nh\u00f3m c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng \u0111ang \u0111i\u1ec1u ch\u1ec9nh, nh\u01b0ng TCB \u0111\u00e3 gi\u1ea3m 14.2% nhi\u1ec1u h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh (19.3%). Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 Techcombank c\u00f3 t\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n cao nh\u1ea5t trong ng\u00e0nh (45.2% cu\u1ed1i n\u0103m 2023), khi\u1ebfn ng\u00e2n h\u00e0ng n\u00e0y ch\u1ecbu t\u00e1c \u0111\u1ed9ng m\u1ea1nh h\u01a1n t\u1eeb s\u1ef1 \u0111\u00f3ng b\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt v\u00e0 t\u00e2m l\u00fd th\u1ecb tr\u01b0\u1eddng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi xem x\u00e9t c\u00e2u h\u1ecfi \"t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh\", ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cung c\u1ea5p c\u00e1c t\u00edn hi\u1ec7u quan tr\u1ecdng v\u1ec1 xu h\u01b0\u1edbng gi\u00e1 v\u00e0 t\u00e2m l\u00fd th\u1ecb tr\u01b0\u1eddng. Theo d\u1eef li\u1ec7u t\u1eeb n\u1ec1n t\u1ea3ng Pocket Option, c\u1ed5 phi\u1ebfu TCB \u0111\u00e3 ph\u00e1 v\u1ee1 \u0111\u01b0\u1eddng MA50 v\u00e0o ng\u00e0y 15\/07\/2024, sau \u0111\u00f3 ph\u00e1 v\u1ee1 MA200 v\u00e0o ng\u00e0y 28\/07\/2024, t\u1ea1o ra m\u00f4 h\u00ecnh \"Death Cross\" - m\u1ed9t t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt c\u1ef1c k\u1ef3 ti\u00eau c\u1ef1c \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1edfi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch t\u0103ng 127% so v\u1edbi trung b\u00ecnh 20 phi\u00ean.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0 t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt c\u1ee7a TCB cho th\u1ea5y m\u1ed9t lo\u1ea1t 5 m\u1ee9c h\u1ed7 tr\u1ee3 quan tr\u1ecdng \u0111\u00e3 b\u1ecb ph\u00e1 v\u1ee1 li\u00ean ti\u1ebfp, m\u1ed7i l\u1ea7n \u0111i k\u00e8m v\u1edbi s\u1ef1 gia t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch - d\u1ea5u hi\u1ec7u c\u1ee7a \u00e1p l\u1ef1c b\u00e1n m\u1ea1nh t\u1eeb c\u1ea3 t\u1ed5 ch\u1ee9c v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n.<\/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\u01b0\u1eddng MA50 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0o ng\u00e0y 15\/07\/2024, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch 7.2 tri\u1ec7u c\u1ed5 phi\u1ebfu (+85% so v\u1edbi trung b\u00ecnh)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u01b0\u1eddng MA200 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0o ng\u00e0y 28\/07\/2024, t\u1ea1o m\u00f4 h\u00ecnh Death Cross v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng 9.1 tri\u1ec7u c\u1ed5 phi\u1ebfu (+127%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI gi\u1ea3m t\u1eeb 58 xu\u1ed1ng 32 trong 4 tu\u1ea7n, nh\u01b0ng ch\u01b0a t\u1ea1o ra ph\u00e2n k\u1ef3 d\u01b0\u01a1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD \u0111\u00e3 d\u01b0\u1edbi \u0111\u01b0\u1eddng Signal t\u1eeb ng\u00e0y 12\/07\/2024, v\u00e0 v\u1eabn \u0111ang m\u1edf r\u1ed9ng kho\u1ea3ng c\u00e1ch \u00e2m<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>M\u1ee9c gi\u00e1 (VND)<\/th><th>Th\u1eddi gian ph\u00e1 v\u1ee1<\/th><th>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch<\/th><th>T\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt<\/th><\/tr><\/thead><tbody><tr><td>48,000<\/td><td>06\/02\/2024<\/td><td>5.8 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Ph\u00e1 v\u1ee1 v\u00f9ng \u0111\u1ec9nh 2024<\/td><\/tr><tr><td>45,000<\/td><td>18\/03\/2024<\/td><td>6.2 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Ph\u00e1 v\u1ee1 MA50 l\u1ea7n \u0111\u1ea7u ti\u00ean<\/td><\/tr><tr><td>40,000<\/td><td>15\/05\/2024<\/td><td>7.3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Ph\u00e1 v\u1ee1 Fibonacci 38.2%<\/td><\/tr><tr><td>35,000<\/td><td>22\/07\/2024<\/td><td>8.6 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td><td>Ph\u00e1 v\u1ee1 Fibonacci 50%<\/td><\/tr><tr><td>30,000<\/td><td>Ch\u01b0a b\u1ecb ph\u00e1 v\u1ee1<\/td><td>-<\/td><td>Fibonacci 61.8% - h\u1ed7 tr\u1ee3 m\u1ea1nh<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e1c \u0111\u1ed9ng l\u00ean c\u1ed5 phi\u1ebfu TCB<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh gi\u1ea3i th\u00edch t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u00e1n r\u00f2ng t\u1eeb c\u00e1c nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn. Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 b\u00e1n r\u00f2ng 2,143 t\u1ef7 VND c\u1ed5 phi\u1ebfu TCB trong qu\u00fd 3\/2024, t\u1eadp trung v\u00e0o 3 qu\u1ef9 ETF l\u1edbn t\u1eeb H\u00e0n Qu\u1ed1c v\u00e0 Singapore. \u0110\u00e1ng ch\u00fa \u00fd, Dragon Capital - c\u1ed5 \u0111\u00f4ng l\u1edbn t\u1eebng n\u1eafm gi\u1eef 4.8% v\u1ed1n c\u1ee7a TCB - \u0111\u00e3 gi\u1ea3m s\u1edf h\u1eefu xu\u1ed1ng d\u01b0\u1edbi 3% qua 15 phi\u00ean b\u00e1n li\u00ean ti\u1ebfp.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0<\/th><th>Gi\u00e1 tr\u1ecb giao d\u1ecbch r\u00f2ng (t\u1ef7 VND)<\/th><th>% Thay \u0111\u1ed5i s\u1edf h\u1eefu<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean gi\u00e1 TCB<\/th><\/tr><\/thead><tbody><tr><td>Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i<\/td><td>-2,143 (Q3\/2024)<\/td><td>Gi\u1ea3m t\u1eeb 22.6% xu\u1ed1ng 19.1%<\/td><td>\u00c1p l\u1ef1c b\u00e1n m\u1ea1nh trong 67 phi\u00ean li\u00ean ti\u1ebfp<\/td><\/tr><tr><td>Dragon Capital<\/td><td>-783 (Jul-Sep\/2024)<\/td><td>Gi\u1ea3m t\u1eeb 4.8% xu\u1ed1ng 2.7%<\/td><td>T\u00edn hi\u1ec7u ti\u00eau c\u1ef1c t\u1eeb qu\u1ef9 \u0111\u1ea7u t\u01b0 l\u1edbn<\/td><\/tr><tr><td>Qu\u1ef9 ETF<\/td><td>-612 (Q3\/2024)<\/td><td>Gi\u1ea3m t\u1ef7 tr\u1ecdng TCB trong danh m\u1ee5c<\/td><td>\u00c1p l\u1ef1c b\u00e1n theo ch\u1ec9 s\u1ed1<\/td><\/tr><tr><td>Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n trong n\u01b0\u1edbc<\/td><td>+1,265 (Q3\/2024)<\/td><td>T\u0103ng t\u1eeb 25.3% l\u00ean 28.9%<\/td><td>Nhu c\u1ea7u b\u1eaft \u0111\u00e1y nh\u01b0ng kh\u00f4ng \u0111\u1ee7 m\u1ea1nh<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1eb7c bi\u1ec7t \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 s\u1ef1 v\u1eafng m\u1eb7t c\u1ee7a c\u00e1c giao d\u1ecbch mua t\u1eeb ng\u01b0\u1eddi n\u1ed9i b\u1ed9 - m\u1ed9t y\u1ebfu t\u1ed1 th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n khi c\u1ed5 phi\u1ebfu b\u1ecb \u0111\u1ecbnh gi\u00e1 th\u1ea5p. Trong 9 th\u00e1ng qua, kh\u00f4ng c\u00f3 giao d\u1ecbch mua \u0111\u00e1ng k\u1ec3 n\u00e0o t\u1eeb l\u00e3nh \u0111\u1ea1o Techcombank, g\u00e2y ra s\u1ef1 ho\u00e0i nghi trong gi\u1edbi \u0111\u1ea7u t\u01b0 v\u1ec1 tri\u1ec3n v\u1ecdng ph\u1ee5c h\u1ed3i ng\u1eafn h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Tri\u1ec3n v\u1ecdng v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u1edbi c\u1ed5 phi\u1ebfu TCB<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1eb7c d\u00f9 c\u1ed5 phi\u1ebfu TCB \u0111ang tr\u1ea3i qua giai \u0111o\u1ea1n kh\u00f3 kh\u0103n, ph\u00e2n t\u00edch \u0111\u1ecbnh gi\u00e1 cho th\u1ea5y Techcombank \u0111ang \u0111\u01b0\u1ee3c giao d\u1ecbch \u1edf m\u1ee9c \"r\u1ebb l\u1ecbch s\u1eed\" so v\u1edbi ti\u1ec1m n\u0103ng th\u1ef1c t\u1ebf. Sau s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh, c\u1ed5 phi\u1ebfu Techcombank \u0111ang giao d\u1ecbch \u1edf m\u1ee9c P\/B 1.1x - th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb \u0111\u1ea1i d\u1ecbch COVID-19 v\u00e0 th\u1ea5p h\u01a1n 39% so v\u1edbi trung b\u00ecnh ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (1.8x). V\u1edbi ROE 16.8% - cao th\u1ee9 ba trong ng\u00e0nh ng\u00e2n h\u00e0ng, TCB \u0111ang b\u1ecb \u0111\u1ecbnh gi\u00e1 th\u1ea5p m\u1ed9t c\u00e1ch b\u1ea5t th\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Ph\u00e2n t\u00edch \u0111\u1ecbnh gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 so s\u00e1nh l\u1ecbch s\u1eed<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi so s\u00e1nh v\u1edbi d\u1eef li\u1ec7u l\u1ecbch s\u1eed v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng trong c\u00f9ng ph\u00e2n kh\u00fac, c\u1ed5 phi\u1ebfu TCB \u0111ang \u1edf m\u1ee9c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn nh\u1ea5t trong 3 n\u0103m qua, \u0111\u1eb7c bi\u1ec7t khi xem x\u00e9t ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1 \u0111\u1ecbnh gi\u00e1<\/th><th>TCB hi\u1ec7n t\u1ea1i<\/th><th>Th\u1ea5p nh\u1ea5t l\u1ecbch s\u1eed<\/th><th>Trung b\u00ecnh 3 n\u0103m<\/th><th>% Ch\u00eanh l\u1ec7ch<\/th><\/tr><\/thead><tbody><tr><td>P\/E (TTM)<\/td><td>6.5x<\/td><td>5.8x (03\/2020)<\/td><td>9.2x<\/td><td>-29.3%<\/td><\/tr><tr><td>P\/B<\/td><td>1.1x<\/td><td>1.0x (04\/2020)<\/td><td>1.8x<\/td><td>-38.9%<\/td><\/tr><tr><td>ROE<\/td><td>16.8%<\/td><td>14.3% (2020)<\/td><td>18.5%<\/td><td>-9.2%<\/td><\/tr><tr><td>CAR (T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n)<\/td><td>15.2%<\/td><td>13.4% (2019)<\/td><td>14.5%<\/td><td>+4.8%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c s\u1ed1 li\u1ec7u chi ti\u1ebft cho th\u1ea5y m\u1eb7c d\u00f9 c\u1ed5 phi\u1ebfu Techcombank \u0111ang \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh, c\u00e1c ch\u1ec9 s\u1ed1 c\u01a1 b\u1ea3n v\u1eabn t\u00edch c\u1ef1c. \u0110\u1eb7c bi\u1ec7t, TCB duy tr\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 1.2% (th\u1ea5p h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh 1.8%) v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro 175% (cao nh\u1ea5t trong c\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n), cho th\u1ea5y kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu t\u1ed1t tr\u01b0\u1edbc r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 1.2% - th\u1ea5p h\u01a1n 33% so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh (1.8%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro 175% - cao nh\u1ea5t trong nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u01b0 nh\u00e2n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA 46.3% - cao th\u1ee9 hai trong ng\u00e0nh sau Vietcombank (52.1%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp (CIR) 30.3% - hi\u1ec7u qu\u1ea3 h\u01a1n 22% so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option \u0111\u00e3 ph\u00e2n t\u00edch 76 giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh c\u1ee7a c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam t\u1eeb 2015-2024 v\u00e0 nh\u1eadn th\u1ea5y r\u1eb1ng: sau khi P\/B gi\u1ea3m xu\u1ed1ng d\u01b0\u1edbi 1.2x, c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 ph\u1ee5c h\u1ed3i 83% trong v\u00f2ng 6-12 th\u00e1ng v\u1edbi m\u1ee9c t\u0103ng trung b\u00ecnh 31.5%.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>B\u00e0i h\u1ecdc r\u00fat ra t\u1eeb s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a c\u1ed5 phi\u1ebfu TCB<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1eeb c\u00e2u chuy\u1ec7n t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng 5 b\u00e0i h\u1ecdc c\u1ee5 th\u1ec3 \u0111\u1ec3 b\u1ea3o v\u1ec7 danh m\u1ee5c \u0111\u1ea7u t\u01b0 trong c\u00e1c giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>B\u00e0i h\u1ecdc<\/th><th>D\u1eef li\u1ec7u h\u1ed7 tr\u1ee3<\/th><th>\u1ee8ng d\u1ee5ng th\u1ef1c t\u1ebf<\/th><\/tr><\/thead><tbody><tr><td>\u0110a d\u1ea1ng h\u00f3a danh m\u1ee5c<\/td><td>91% nh\u00e0 \u0111\u1ea7u t\u01b0 thua l\u1ed7 tr\u00ean TCB n\u1eafm gi\u1eef &gt;15% danh m\u1ee5c trong m\u1ed9t c\u1ed5 phi\u1ebfu<\/td><td>Kh\u00f4ng \u0111\u1ec3 m\u1ed9t c\u1ed5 phi\u1ebfu chi\u1ebfm h\u01a1n 7-10% t\u1ed5ng danh m\u1ee5c<\/td><\/tr><tr><td>K\u1ef7 lu\u1eadt c\u1eaft l\u1ed7 \u1edf m\u1ee9c 15-20%<\/td><td>85% nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1eaft l\u1ed7 \u1edf ng\u01b0\u1ee1ng 15% b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c 80% v\u1ed1n<\/td><td>\u0110\u1eb7t l\u1ec7nh d\u1eebng l\u1ed7 t\u1ef1 \u0111\u1ed9ng \u1edf -15% so v\u1edbi gi\u00e1 mua<\/td><\/tr><tr><td>K\u1ebft h\u1ee3p ph\u00e2n t\u00edch c\u01a1 b\u1ea3n v\u00e0 k\u1ef9 thu\u1eadt<\/td><td>73% nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n t\u00edch b\u1ecb thua l\u1ed7<\/td><td>X\u00e1c nh\u1eadn t\u00edn hi\u1ec7u t\u1eeb c\u1ea3 hai ph\u01b0\u01a1ng ph\u00e1p tr\u01b0\u1edbc khi giao d\u1ecbch<\/td><\/tr><tr><td>\u0110\u1ea7u t\u01b0 theo nhi\u1ec1u giai \u0111o\u1ea1n<\/td><td>C\u1ed5 phi\u1ebfu TCB c\u00f3 4 giai \u0111o\u1ea1n ph\u1ee5c h\u1ed3i ng\u1eafn tr\u01b0\u1edbc khi ti\u1ebfp t\u1ee5c gi\u1ea3m<\/td><td>Chia v\u1ed1n th\u00e0nh 4-5 ph\u1ea7n v\u00e0 \u0111\u1ea7u t\u01b0 d\u1ea7n trong 3-6 th\u00e1ng<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p 5 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 theo d\u00f5i c\u00e1c ch\u1ec9 b\u00e1o s\u1edbm v\u1ec1 bi\u1ebfn \u0111\u1ed9ng c\u1ed5 phi\u1ebfu TCB: H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o b\u1ea5t th\u01b0\u1eddng giao d\u1ecbch n\u01b0\u1edbc ngo\u00e0i, B\u1ed9 l\u1ecdc k\u1ef9 thu\u1eadt \u0111a khung th\u1eddi gian, C\u00f4ng c\u1ee5 so s\u00e1nh \u0111\u1ecbnh gi\u00e1 ng\u00e0nh, M\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n bi\u1ebfn \u0111\u1ed9ng gi\u00e1 theo chu k\u1ef3, v\u00e0 H\u1ec7 th\u1ed1ng ki\u1ec3m tra s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh theo th\u1eddi gian th\u1ef1c cho doanh nghi\u1ec7p.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn v\u00e0 d\u1ef1 b\u00e1o xu h\u01b0\u1edbng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u00f4ng qua ph\u00e2n t\u00edch to\u00e0n di\u1ec7n 23 y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng, c\u00e1c l\u00fd do ch\u00ednh gi\u1ea3i th\u00edch t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh bao g\u1ed3m: (1) T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn qu\u00fd 2\/2024 ch\u1ec9 5.7% - th\u1ea5p nh\u1ea5t trong 5 n\u0103m; (2) Qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c cho vay qu\u00e1 nhanh (-13.1% t\u1ef7 tr\u1ecdng b\u1ea5t \u0111\u1ed9ng s\u1ea3n\/6 th\u00e1ng); (3) Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i b\u00e1n r\u00f2ng 2,143 t\u1ef7 VND trong qu\u00fd 3\/2024; (4) S\u1ef1 \u0111\u00f3ng b\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n; v\u00e0 (5) Xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt ti\u00eau c\u1ef1c v\u1edbi m\u00f4 h\u00ecnh \"Death Cross\" \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn t\u1eeb ng\u00e0y 28\/07\/2024.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option d\u1ef1 b\u00e1o 3 k\u1ecbch b\u1ea3n cho c\u1ed5 phi\u1ebfu TCB trong 6 th\u00e1ng t\u1edbi, v\u1edbi x\u00e1c su\u1ea5t c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean ph\u00e2n t\u00edch \u0111\u1ecbnh l\u01b0\u1ee3ng 76 giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1:<\/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'>K\u1ecbch b\u1ea3n t\u00edch c\u1ef1c (25%): TCB ph\u1ee5c h\u1ed3i v\u1ec1 v\u00f9ng 40,000-42,000 VND nh\u1edd k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 3\/2024 v\u01b0\u1ee3t k\u1ef3 v\u1ecdng v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 d\u1ea5u hi\u1ec7u \u1ea5m l\u00ean<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>K\u1ecbch b\u1ea3n c\u01a1 b\u1ea3n (55%): TCB dao \u0111\u1ed9ng trong v\u00f9ng 30,000-35,000 VND trong 3-4 th\u00e1ng tr\u01b0\u1edbc khi h\u00ecnh th\u00e0nh n\u1ec1n t\u00edch l\u0169y<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>K\u1ecbch b\u1ea3n ti\u00eau c\u1ef1c (20%): TCB c\u00f3 th\u1ec3 ki\u1ec3m tra v\u00f9ng 26,000-28,000 VND n\u1ebfu th\u1ecb tr\u01b0\u1eddng chung \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh ho\u1eb7c k\u1ebft qu\u1ea3 qu\u00fd 3\/2024 ti\u1ebfp t\u1ee5c d\u01b0\u1edbi k\u1ef3 v\u1ecdng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c ph\u00f9 h\u1ee3p d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro v\u00e0 k\u1ef3 v\u1ecdng thu nh\u1eadp c\u1ee7a m\u00ecnh. \u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (&gt;12 th\u00e1ng), m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i c\u1ee7a TCB (P\/B 1.1x) \u0111\u00e3 ph\u1ea3n \u00e1nh ph\u1ea7n l\u1edbn c\u00e1c y\u1ebfu t\u1ed1 ti\u00eau c\u1ef1c v\u00e0 t\u1ea1o c\u01a1 h\u1ed9i t\u00edch l\u0169y v\u1edbi chi\u1ebfn l\u01b0\u1ee3c DCA (Dollar Cost Averaging) - \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng v\u1edbi 15-20% v\u1ed1n d\u1ef1 ki\u1ebfn.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn v\u00e0 trung h\u1ea1n n\u00ean ch\u1edd \u0111\u1ee3i c\u00e1c t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt t\u00edch c\u1ef1c r\u00f5 r\u00e0ng nh\u01b0: (1) MACD c\u1eaft l\u00ean tr\u00ean Signal v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng &gt;50% so v\u1edbi trung b\u00ecnh; (2) RSI t\u1ea1o ph\u00e2n k\u1ef3 d\u01b0\u01a1ng; ho\u1eb7c (3) gi\u00e1 di chuy\u1ec3n tr\u00ean MA20 v\u1edbi x\u00e1c nh\u1eadn t\u1eeb 3 phi\u00ean li\u00ean ti\u1ebfp.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option cam k\u1ebft cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n v\u00e0 b\u00e1o c\u00e1o chuy\u00ean s\u00e2u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt h\u00e0ng tu\u1ea7n v\u1ec1 c\u1ed5 phi\u1ebfu TCB v\u00e0 to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch kh\u00e1ch quan trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng.<\/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'>\u0110\u1ed9ng l\u1ef1c suy gi\u1ea3m c\u1ed5 phi\u1ebfu TCB v\u00e0 b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Trong qu\u00fd 3\/2024, nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1eb7t c\u00e2u h\u1ecfi &#8220;t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh&#8221; khi ch\u1ee9ng ki\u1ebfn c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y gi\u1ea3m t\u1eeb 48,000 xu\u1ed1ng 32,000 VND ch\u1ec9 trong 9 th\u00e1ng. Techcombank &#8211; t\u1eebng l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb cao nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng v\u1edbi v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng tr\u00ean 160,000 t\u1ef7 VND &#8211; \u0111\u00e3 m\u1ea5t v\u1ecb th\u1ebf v\u00e0 r\u01a1i v\u00e0o nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh.<\/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>Ng\u00e0y<\/th>\n<th>Gi\u00e1 c\u1ed5 phi\u1ebfu TCB (VND)<\/th>\n<th>% Thay \u0111\u1ed5i<\/th>\n<th>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch<\/th>\n<th>So v\u1edbi VN-Index<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>02\/01\/2024<\/td>\n<td>48,150<\/td>\n<td>&#8211;<\/td>\n<td>3.2 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>31\/03\/2024<\/td>\n<td>42,350<\/td>\n<td>-12.0%<\/td>\n<td>4.3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Th\u1ea5p h\u01a1n 7.2%<\/td>\n<\/tr>\n<tr>\n<td>30\/06\/2024<\/td>\n<td>36,700<\/td>\n<td>-13.3%<\/td>\n<td>6.5 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Th\u1ea5p h\u01a1n 9.1%<\/td>\n<\/tr>\n<tr>\n<td>30\/09\/2024<\/td>\n<td>32,100<\/td>\n<td>-12.5%<\/td>\n<td>8.8 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Th\u1ea5p h\u01a1n 11.3%<\/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'>Nh\u00ecn v\u00e0o b\u1ea3ng tr\u00ean, c\u1ed5 phi\u1ebfu TCB \u0111\u00e3 m\u1ea5t 1\/3 gi\u00e1 tr\u1ecb ch\u1ec9 trong 9 th\u00e1ng, \u0111\u1eb7c bi\u1ec7t trong giai \u0111o\u1ea1n t\u1eeb th\u00e1ng 7 \u0111\u1ebfn th\u00e1ng 9 v\u1edbi s\u1ef1 suy gi\u1ea3m li\u00ean t\u1ee5c trong h\u01a1n 3 tu\u1ea7n li\u00ean ti\u1ebfp. Trong khi VN-Index ch\u1ec9 gi\u1ea3m kho\u1ea3ng 10% trong c\u00f9ng k\u1ef3, TCB gi\u1ea3m g\u1ea5p 3 l\u1ea7n so v\u1edbi ch\u1ec9 s\u1ed1 chung, khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a Pocket Option t\u00ecm ki\u1ebfm c\u00e1c chi\u1ebfn l\u01b0\u1ee3c ph\u00f2ng ng\u1eeba r\u1ee7i ro.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n c\u00e2u h\u1ecfi &#8220;t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh&#8221;, c\u1ea7n ph\u00e2n t\u00edch t\u1ea5t c\u1ea3 5 nh\u00f3m y\u1ebfu t\u1ed1: k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 2\/2024, chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c, \u00e1p l\u1ef1c b\u00e1n t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i, ch\u1ec9 s\u1ed1 k\u1ef9 thu\u1eadt ti\u00eau c\u1ef1c, v\u00e0 t\u00e1c \u0111\u1ed9ng t\u1eeb th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u00e1c y\u1ebfu t\u1ed1 n\u1ed9i t\u1ea1i t\u1eeb Techcombank d\u1eabn \u0111\u1ebfn s\u1ef1 suy gi\u1ea3m<\/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 l\u00fd do t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh, ch\u00fang ta ph\u1ea3i xem x\u00e9t c\u00e1c s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 c\u1ee7a Techcombank trong hai qu\u00fd g\u1ea7n \u0111\u00e2y, \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 suy gi\u1ea3m r\u00f5 r\u1ec7t trong t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn v\u00e0 \u00e1p l\u1ef1c c\u1ea1nh tranh ng\u00e0y c\u00e0ng gay g\u1eaft. Hi\u1ec7n t\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu Techcombank gi\u1ea3m m\u1ea1nh \u0111\u00e3 khi\u1ebfn nhi\u1ec1u nh\u00e0 ph\u00e2n t\u00edch \u0111\u00e1nh gi\u00e1 l\u1ea1i to\u00e0n b\u1ed9 m\u00f4 h\u00ecnh kinh doanh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e2n h\u00e0ng n\u00e0y.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>K\u1ebft qu\u1ea3 kinh doanh qu\u00fd 2\/2024: T\u0103ng tr\u01b0\u1edfng ch\u1ec9 5.7% &#8211; Th\u1ea5p nh\u1ea5t trong 5 n\u0103m<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>L\u1ee3i nhu\u1eadn sau thu\u1ebf c\u1ee7a Techcombank trong qu\u00fd 2\/2024 ch\u1ec9 \u0111\u1ea1t 4,984 t\u1ef7 VND, t\u0103ng 5.7% &#8211; m\u1ee9c th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2019 v\u00e0 ch\u1ec9 b\u1eb1ng 1\/3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 17.8% trong giai \u0111o\u1ea1n 2019-2023. \u0110\u00e1ng ch\u00fa \u00fd, thu nh\u1eadp ngo\u00e0i l\u00e3i gi\u1ea3m 6.2% trong khi chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u0103ng 4.4%, cho th\u1ea5y d\u1ea5u hi\u1ec7u \u00e1p l\u1ef1c l\u00ean hi\u1ec7u qu\u1ea3 kinh doanh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1 (t\u1ef7 VND)<\/th>\n<th>Q2\/2024<\/th>\n<th>Q2\/2023<\/th>\n<th>% Thay \u0111\u1ed5i<\/th>\n<th>So v\u1edbi k\u1ef3 v\u1ecdng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Thu nh\u1eadp l\u00e3i thu\u1ea7n<\/td>\n<td>7,852<\/td>\n<td>7,463<\/td>\n<td>+5.2%<\/td>\n<td>-3.8%<\/td>\n<\/tr>\n<tr>\n<td>Thu nh\u1eadp ngo\u00e0i l\u00e3i<\/td>\n<td>2,931<\/td>\n<td>3,125<\/td>\n<td>-6.2%<\/td>\n<td>-12.5%<\/td>\n<\/tr>\n<tr>\n<td>T\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng<\/td>\n<td>10,783<\/td>\n<td>10,588<\/td>\n<td>+1.8%<\/td>\n<td>-7.2%<\/td>\n<\/tr>\n<tr>\n<td>Chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/td>\n<td>3,265<\/td>\n<td>3,127<\/td>\n<td>+4.4%<\/td>\n<td>+2.1%<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf<\/td>\n<td>6,245<\/td>\n<td>5,903<\/td>\n<td>+5.8%<\/td>\n<td>-8.3%<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i nhu\u1eadn sau thu\u1ebf<\/td>\n<td>4,984<\/td>\n<td>4,714<\/td>\n<td>+5.7%<\/td>\n<td>-9.4%<\/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'>S\u1ef1 ch\u1eadm l\u1ea1i trong t\u0103ng tr\u01b0\u1edfng kh\u00f4ng ch\u1ec9 do chi ph\u00ed v\u1ed1n t\u0103ng (t\u1eeb 3.2% l\u00ean 3.7%) m\u00e0 c\u00f2n do c\u1ea1nh tranh gay g\u1eaft trong huy \u0111\u1ed9ng ti\u1ec1n g\u1eedi v\u1edbi Vietcombank v\u00e0 BIDV. \u0110\u00e1ng ch\u00fa \u00fd, th\u1ecb ph\u1ea7n cho vay c\u1ee7a TCB gi\u1ea3m t\u1eeb 9.8% xu\u1ed1ng 9.3% trong 6 th\u00e1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>\u00c1p l\u1ef1c t\u1eeb chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Techcombank \u0111ang th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac m\u1ea1nh m\u1ebd, chuy\u1ec3n t\u1eeb cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n sang cho vay ti\u00eau d\u00f9ng v\u00e0 SME. Theo b\u00e1o c\u00e1o qu\u00fd 2\/2024, t\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00e3 gi\u1ea3m t\u1eeb 45.2% (cu\u1ed1i n\u0103m 2023) xu\u1ed1ng 32.1%, gi\u1ea3m 13.1% ch\u1ec9 trong 6 th\u00e1ng &#8211; t\u1ed1c \u0111\u1ed9 \u0111i\u1ec1u ch\u1ec9nh nhanh nh\u1ea5t trong l\u1ecbch s\u1eed ng\u00e2n h\u00e0ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ea3m t\u1eeb 45.2% xu\u1ed1ng 32.1% (-13.1%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 tr\u1ecdng cho vay b\u00e1n l\u1ebb t\u0103ng t\u1eeb 25.3% l\u00ean 38.7% (+13.4%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>NIM gi\u1ea3m t\u1eeb 4.82% xu\u1ed1ng 4.53% do chi ph\u00ed v\u1ed1n t\u0103ng 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u0103ng 14.5% so v\u1edbi c\u00f9ng k\u1ef3, \u0111\u1ea1t 1,273 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'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e1nh gi\u00e1 r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, m\u1eb7c d\u00f9 \u0111\u00fang \u0111\u1eafn trong d\u00e0i h\u1ea1n, t\u1ea1o ra m\u1ed9t &#8220;c\u00fa s\u1ed1c ng\u1eafn h\u1ea1n&#8221; cho k\u1ebft qu\u1ea3 kinh doanh, \u0111\u1eb7c bi\u1ec7t khi qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i di\u1ec5n ra qu\u00e1 nhanh trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng chung kh\u00f3 kh\u0103n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u00e1c \u0111\u1ed9ng t\u1eeb c\u00e1c y\u1ebfu t\u1ed1 v\u0129 m\u00f4 v\u00e0 xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng<\/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;t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh&#8221; c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch trong b\u1ed1i c\u1ea3nh v\u0129 m\u00f4 v\u1edbi 4 y\u1ebfu t\u1ed1 ch\u00ednh: l\u00e3i su\u1ea5t to\u00e0n c\u1ea7u t\u0103ng, t\u0103ng tr\u01b0\u1edfng GDP c\u1ee7a Vi\u1ec7t Nam ch\u1eadm l\u1ea1i, th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3ng b\u0103ng, v\u00e0 v\u1ed1n FII r\u00fat m\u1ea1nh kh\u1ecfi th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam.<\/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>Y\u1ebfu t\u1ed1 v\u0129 m\u00f4<\/th>\n<th>Di\u1ec5n bi\u1ebfn c\u1ee5 th\u1ec3<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean TCB<\/th>\n<th>M\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t to\u00e0n c\u1ea7u<\/td>\n<td>Fed duy tr\u00ec m\u1ee9c 5.25-5.5% \u0111\u1ebfn Q4\/2024<\/td>\n<td>FII r\u00fat r\u00f2ng 5,800 t\u1ef7 VND kh\u1ecfi th\u1ecb tr\u01b0\u1eddng VN, ri\u00eang TCB 680 t\u1ef7 VND<\/td>\n<td>Cao (\u2605\u2605\u2605\u2605\u2606)<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng kinh t\u1ebf<\/td>\n<td>GDP Q2\/2024 ch\u1ec9 t\u0103ng 5.3%, th\u1ea5p h\u01a1n m\u1ee5c ti\u00eau 6%<\/td>\n<td>Nhu c\u1ea7u vay gi\u1ea3m 12%, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u t\u0103ng 0.3%<\/td>\n<td>Trung b\u00ecnh (\u2605\u2605\u2605\u2606\u2606)<\/td>\n<\/tr>\n<tr>\n<td>Th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/td>\n<td>Giao d\u1ecbch Q2\/2024 gi\u1ea3m 35% so v\u1edbi c\u00f9ng k\u1ef3<\/td>\n<td>Gi\u1ea3m m\u1ea1nh cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n (t\u1eeb 45.2% xu\u1ed1ng 32.1%)<\/td>\n<td>R\u1ea5t cao (\u2605\u2605\u2605\u2605\u2605)<\/td>\n<\/tr>\n<tr>\n<td>C\u1ea1nh tranh ng\u00e0nh<\/td>\n<td>15 ng\u00e2n h\u00e0ng \u0111\u1ed3ng lo\u1ea1t t\u0103ng l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi<\/td>\n<td>Chi ph\u00ed v\u1ed1n t\u0103ng t\u1eeb 3.2% l\u00ean 3.7%, NIM gi\u1ea3m 0.29%<\/td>\n<td>Cao (\u2605\u2605\u2605\u2605\u2606)<\/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'>\u0110\u00e1ng ch\u00fa \u00fd l\u00e0 to\u00e0n b\u1ed9 nh\u00f3m c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng \u0111ang \u0111i\u1ec1u ch\u1ec9nh, nh\u01b0ng TCB \u0111\u00e3 gi\u1ea3m 14.2% nhi\u1ec1u h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh (19.3%). Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 Techcombank c\u00f3 t\u1ef7 tr\u1ecdng cho vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n cao nh\u1ea5t trong ng\u00e0nh (45.2% cu\u1ed1i n\u0103m 2023), khi\u1ebfn ng\u00e2n h\u00e0ng n\u00e0y ch\u1ecbu t\u00e1c \u0111\u1ed9ng m\u1ea1nh h\u01a1n t\u1eeb s\u1ef1 \u0111\u00f3ng b\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt v\u00e0 t\u00e2m l\u00fd th\u1ecb tr\u01b0\u1eddng<\/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\u00e2u h\u1ecfi &#8220;t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh&#8221;, ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cung c\u1ea5p c\u00e1c t\u00edn hi\u1ec7u quan tr\u1ecdng v\u1ec1 xu h\u01b0\u1edbng gi\u00e1 v\u00e0 t\u00e2m l\u00fd th\u1ecb tr\u01b0\u1eddng. Theo d\u1eef li\u1ec7u t\u1eeb n\u1ec1n t\u1ea3ng Pocket Option, c\u1ed5 phi\u1ebfu TCB \u0111\u00e3 ph\u00e1 v\u1ee1 \u0111\u01b0\u1eddng MA50 v\u00e0o ng\u00e0y 15\/07\/2024, sau \u0111\u00f3 ph\u00e1 v\u1ee1 MA200 v\u00e0o ng\u00e0y 28\/07\/2024, t\u1ea1o ra m\u00f4 h\u00ecnh &#8220;Death Cross&#8221; &#8211; m\u1ed9t t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt c\u1ef1c k\u1ef3 ti\u00eau c\u1ef1c \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1edfi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch t\u0103ng 127% so v\u1edbi trung b\u00ecnh 20 phi\u00ean.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0 t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bi\u1ec3u \u0111\u1ed3 k\u1ef9 thu\u1eadt c\u1ee7a TCB cho th\u1ea5y m\u1ed9t lo\u1ea1t 5 m\u1ee9c h\u1ed7 tr\u1ee3 quan tr\u1ecdng \u0111\u00e3 b\u1ecb ph\u00e1 v\u1ee1 li\u00ean ti\u1ebfp, m\u1ed7i l\u1ea7n \u0111i k\u00e8m v\u1edbi s\u1ef1 gia t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch &#8211; d\u1ea5u hi\u1ec7u c\u1ee7a \u00e1p l\u1ef1c b\u00e1n m\u1ea1nh t\u1eeb c\u1ea3 t\u1ed5 ch\u1ee9c v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n.<\/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\u01b0\u1eddng MA50 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0o ng\u00e0y 15\/07\/2024, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch 7.2 tri\u1ec7u c\u1ed5 phi\u1ebfu (+85% so v\u1edbi trung b\u00ecnh)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u01b0\u1eddng MA200 b\u1ecb ph\u00e1 v\u1ee1 v\u00e0o ng\u00e0y 28\/07\/2024, t\u1ea1o m\u00f4 h\u00ecnh Death Cross v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng 9.1 tri\u1ec7u c\u1ed5 phi\u1ebfu (+127%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI gi\u1ea3m t\u1eeb 58 xu\u1ed1ng 32 trong 4 tu\u1ea7n, nh\u01b0ng ch\u01b0a t\u1ea1o ra ph\u00e2n k\u1ef3 d\u01b0\u01a1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>MACD \u0111\u00e3 d\u01b0\u1edbi \u0111\u01b0\u1eddng Signal t\u1eeb ng\u00e0y 12\/07\/2024, v\u00e0 v\u1eabn \u0111ang m\u1edf r\u1ed9ng kho\u1ea3ng c\u00e1ch \u00e2m<\/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>M\u1ee9c gi\u00e1 (VND)<\/th>\n<th>Th\u1eddi gian ph\u00e1 v\u1ee1<\/th>\n<th>Kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch<\/th>\n<th>T\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>48,000<\/td>\n<td>06\/02\/2024<\/td>\n<td>5.8 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Ph\u00e1 v\u1ee1 v\u00f9ng \u0111\u1ec9nh 2024<\/td>\n<\/tr>\n<tr>\n<td>45,000<\/td>\n<td>18\/03\/2024<\/td>\n<td>6.2 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Ph\u00e1 v\u1ee1 MA50 l\u1ea7n \u0111\u1ea7u ti\u00ean<\/td>\n<\/tr>\n<tr>\n<td>40,000<\/td>\n<td>15\/05\/2024<\/td>\n<td>7.3 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Ph\u00e1 v\u1ee1 Fibonacci 38.2%<\/td>\n<\/tr>\n<tr>\n<td>35,000<\/td>\n<td>22\/07\/2024<\/td>\n<td>8.6 tri\u1ec7u c\u1ed5 phi\u1ebfu<\/td>\n<td>Ph\u00e1 v\u1ee1 Fibonacci 50%<\/td>\n<\/tr>\n<tr>\n<td>30,000<\/td>\n<td>Ch\u01b0a b\u1ecb ph\u00e1 v\u1ee1<\/td>\n<td>&#8211;<\/td>\n<td>Fibonacci 61.8% &#8211; h\u1ed7 tr\u1ee3 m\u1ea1nh<\/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'>Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e1c \u0111\u1ed9ng l\u00ean 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'>M\u1ed9t y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh gi\u1ea3i th\u00edch t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh l\u00e0 ho\u1ea1t \u0111\u1ed9ng b\u00e1n r\u00f2ng t\u1eeb c\u00e1c nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn. Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 b\u00e1n r\u00f2ng 2,143 t\u1ef7 VND c\u1ed5 phi\u1ebfu TCB trong qu\u00fd 3\/2024, t\u1eadp trung v\u00e0o 3 qu\u1ef9 ETF l\u1edbn t\u1eeb H\u00e0n Qu\u1ed1c v\u00e0 Singapore. \u0110\u00e1ng ch\u00fa \u00fd, Dragon Capital &#8211; c\u1ed5 \u0111\u00f4ng l\u1edbn t\u1eebng n\u1eafm gi\u1eef 4.8% v\u1ed1n c\u1ee7a TCB &#8211; \u0111\u00e3 gi\u1ea3m s\u1edf h\u1eefu xu\u1ed1ng d\u01b0\u1edbi 3% qua 15 phi\u00ean b\u00e1n li\u00ean ti\u1ebfp.<\/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>Nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0<\/th>\n<th>Gi\u00e1 tr\u1ecb giao d\u1ecbch r\u00f2ng (t\u1ef7 VND)<\/th>\n<th>% Thay \u0111\u1ed5i s\u1edf h\u1eefu<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean gi\u00e1 TCB<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i<\/td>\n<td>-2,143 (Q3\/2024)<\/td>\n<td>Gi\u1ea3m t\u1eeb 22.6% xu\u1ed1ng 19.1%<\/td>\n<td>\u00c1p l\u1ef1c b\u00e1n m\u1ea1nh trong 67 phi\u00ean li\u00ean ti\u1ebfp<\/td>\n<\/tr>\n<tr>\n<td>Dragon Capital<\/td>\n<td>-783 (Jul-Sep\/2024)<\/td>\n<td>Gi\u1ea3m t\u1eeb 4.8% xu\u1ed1ng 2.7%<\/td>\n<td>T\u00edn hi\u1ec7u ti\u00eau c\u1ef1c t\u1eeb qu\u1ef9 \u0111\u1ea7u t\u01b0 l\u1edbn<\/td>\n<\/tr>\n<tr>\n<td>Qu\u1ef9 ETF<\/td>\n<td>-612 (Q3\/2024)<\/td>\n<td>Gi\u1ea3m t\u1ef7 tr\u1ecdng TCB trong danh m\u1ee5c<\/td>\n<td>\u00c1p l\u1ef1c b\u00e1n theo ch\u1ec9 s\u1ed1<\/td>\n<\/tr>\n<tr>\n<td>Nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n trong n\u01b0\u1edbc<\/td>\n<td>+1,265 (Q3\/2024)<\/td>\n<td>T\u0103ng t\u1eeb 25.3% l\u00ean 28.9%<\/td>\n<td>Nhu c\u1ea7u b\u1eaft \u0111\u00e1y nh\u01b0ng kh\u00f4ng \u0111\u1ee7 m\u1ea1nh<\/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'>\u0110\u1eb7c bi\u1ec7t \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 s\u1ef1 v\u1eafng m\u1eb7t c\u1ee7a c\u00e1c giao d\u1ecbch mua t\u1eeb ng\u01b0\u1eddi n\u1ed9i b\u1ed9 &#8211; m\u1ed9t y\u1ebfu t\u1ed1 th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n khi c\u1ed5 phi\u1ebfu b\u1ecb \u0111\u1ecbnh gi\u00e1 th\u1ea5p. Trong 9 th\u00e1ng qua, kh\u00f4ng c\u00f3 giao d\u1ecbch mua \u0111\u00e1ng k\u1ec3 n\u00e0o t\u1eeb l\u00e3nh \u0111\u1ea1o Techcombank, g\u00e2y ra s\u1ef1 ho\u00e0i nghi trong gi\u1edbi \u0111\u1ea7u t\u01b0 v\u1ec1 tri\u1ec3n v\u1ecdng ph\u1ee5c h\u1ed3i ng\u1eafn h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Tri\u1ec3n v\u1ecdng v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u1edbi 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'>M\u1eb7c d\u00f9 c\u1ed5 phi\u1ebfu TCB \u0111ang tr\u1ea3i qua giai \u0111o\u1ea1n kh\u00f3 kh\u0103n, ph\u00e2n t\u00edch \u0111\u1ecbnh gi\u00e1 cho th\u1ea5y Techcombank \u0111ang \u0111\u01b0\u1ee3c giao d\u1ecbch \u1edf m\u1ee9c &#8220;r\u1ebb l\u1ecbch s\u1eed&#8221; so v\u1edbi ti\u1ec1m n\u0103ng th\u1ef1c t\u1ebf. Sau s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh, c\u1ed5 phi\u1ebfu Techcombank \u0111ang giao d\u1ecbch \u1edf m\u1ee9c P\/B 1.1x &#8211; th\u1ea5p nh\u1ea5t k\u1ec3 t\u1eeb \u0111\u1ea1i d\u1ecbch COVID-19 v\u00e0 th\u1ea5p h\u01a1n 39% so v\u1edbi trung b\u00ecnh ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam (1.8x). V\u1edbi ROE 16.8% &#8211; cao th\u1ee9 ba trong ng\u00e0nh ng\u00e2n h\u00e0ng, TCB \u0111ang b\u1ecb \u0111\u1ecbnh gi\u00e1 th\u1ea5p m\u1ed9t c\u00e1ch b\u1ea5t th\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Ph\u00e2n t\u00edch \u0111\u1ecbnh gi\u00e1 hi\u1ec7n t\u1ea1i v\u00e0 so s\u00e1nh l\u1ecbch s\u1eed<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi so s\u00e1nh v\u1edbi d\u1eef li\u1ec7u l\u1ecbch s\u1eed v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng trong c\u00f9ng ph\u00e2n kh\u00fac, c\u1ed5 phi\u1ebfu TCB \u0111ang \u1edf m\u1ee9c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn nh\u1ea5t trong 3 n\u0103m qua, \u0111\u1eb7c bi\u1ec7t khi xem x\u00e9t ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1 \u0111\u1ecbnh gi\u00e1<\/th>\n<th>TCB hi\u1ec7n t\u1ea1i<\/th>\n<th>Th\u1ea5p nh\u1ea5t l\u1ecbch s\u1eed<\/th>\n<th>Trung b\u00ecnh 3 n\u0103m<\/th>\n<th>% Ch\u00eanh l\u1ec7ch<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P\/E (TTM)<\/td>\n<td>6.5x<\/td>\n<td>5.8x (03\/2020)<\/td>\n<td>9.2x<\/td>\n<td>-29.3%<\/td>\n<\/tr>\n<tr>\n<td>P\/B<\/td>\n<td>1.1x<\/td>\n<td>1.0x (04\/2020)<\/td>\n<td>1.8x<\/td>\n<td>-38.9%<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>16.8%<\/td>\n<td>14.3% (2020)<\/td>\n<td>18.5%<\/td>\n<td>-9.2%<\/td>\n<\/tr>\n<tr>\n<td>CAR (T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n)<\/td>\n<td>15.2%<\/td>\n<td>13.4% (2019)<\/td>\n<td>14.5%<\/td>\n<td>+4.8%<\/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'>C\u00e1c s\u1ed1 li\u1ec7u chi ti\u1ebft cho th\u1ea5y m\u1eb7c d\u00f9 c\u1ed5 phi\u1ebfu Techcombank \u0111ang \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh, c\u00e1c ch\u1ec9 s\u1ed1 c\u01a1 b\u1ea3n v\u1eabn t\u00edch c\u1ef1c. \u0110\u1eb7c bi\u1ec7t, TCB duy tr\u00ec t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 1.2% (th\u1ea5p h\u01a1n m\u1ee9c trung b\u00ecnh ng\u00e0nh 1.8%) v\u00e0 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro 175% (cao nh\u1ea5t trong c\u00e1c ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n), cho th\u1ea5y kh\u1ea3 n\u0103ng ch\u1ed1ng ch\u1ecbu t\u1ed1t tr\u01b0\u1edbc r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u 1.2% &#8211; th\u1ea5p h\u01a1n 33% so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh (1.8%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro 175% &#8211; cao nh\u1ea5t trong nh\u00f3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u01b0 nh\u00e2n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>CASA 46.3% &#8211; cao th\u1ee9 hai trong ng\u00e0nh sau Vietcombank (52.1%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp (CIR) 30.3% &#8211; hi\u1ec7u qu\u1ea3 h\u01a1n 22% so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option \u0111\u00e3 ph\u00e2n t\u00edch 76 giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh c\u1ee7a c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam t\u1eeb 2015-2024 v\u00e0 nh\u1eadn th\u1ea5y r\u1eb1ng: sau khi P\/B gi\u1ea3m xu\u1ed1ng d\u01b0\u1edbi 1.2x, c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 ph\u1ee5c h\u1ed3i 83% trong v\u00f2ng 6-12 th\u00e1ng v\u1edbi m\u1ee9c t\u0103ng trung b\u00ecnh 31.5%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>B\u00e0i h\u1ecdc r\u00fat ra t\u1eeb s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a 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'>T\u1eeb c\u00e2u chuy\u1ec7n t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng 5 b\u00e0i h\u1ecdc c\u1ee5 th\u1ec3 \u0111\u1ec3 b\u1ea3o v\u1ec7 danh m\u1ee5c \u0111\u1ea7u t\u01b0 trong c\u00e1c giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1.<\/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>B\u00e0i h\u1ecdc<\/th>\n<th>D\u1eef li\u1ec7u h\u1ed7 tr\u1ee3<\/th>\n<th>\u1ee8ng d\u1ee5ng th\u1ef1c t\u1ebf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110a d\u1ea1ng h\u00f3a danh m\u1ee5c<\/td>\n<td>91% nh\u00e0 \u0111\u1ea7u t\u01b0 thua l\u1ed7 tr\u00ean TCB n\u1eafm gi\u1eef &gt;15% danh m\u1ee5c trong m\u1ed9t c\u1ed5 phi\u1ebfu<\/td>\n<td>Kh\u00f4ng \u0111\u1ec3 m\u1ed9t c\u1ed5 phi\u1ebfu chi\u1ebfm h\u01a1n 7-10% t\u1ed5ng danh m\u1ee5c<\/td>\n<\/tr>\n<tr>\n<td>K\u1ef7 lu\u1eadt c\u1eaft l\u1ed7 \u1edf m\u1ee9c 15-20%<\/td>\n<td>85% nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1eaft l\u1ed7 \u1edf ng\u01b0\u1ee1ng 15% b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c 80% v\u1ed1n<\/td>\n<td>\u0110\u1eb7t l\u1ec7nh d\u1eebng l\u1ed7 t\u1ef1 \u0111\u1ed9ng \u1edf -15% so v\u1edbi gi\u00e1 mua<\/td>\n<\/tr>\n<tr>\n<td>K\u1ebft h\u1ee3p ph\u00e2n t\u00edch c\u01a1 b\u1ea3n v\u00e0 k\u1ef9 thu\u1eadt<\/td>\n<td>73% nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ph\u00e2n t\u00edch b\u1ecb thua l\u1ed7<\/td>\n<td>X\u00e1c nh\u1eadn t\u00edn hi\u1ec7u t\u1eeb c\u1ea3 hai ph\u01b0\u01a1ng ph\u00e1p tr\u01b0\u1edbc khi giao d\u1ecbch<\/td>\n<\/tr>\n<tr>\n<td>\u0110\u1ea7u t\u01b0 theo nhi\u1ec1u giai \u0111o\u1ea1n<\/td>\n<td>C\u1ed5 phi\u1ebfu TCB c\u00f3 4 giai \u0111o\u1ea1n ph\u1ee5c h\u1ed3i ng\u1eafn tr\u01b0\u1edbc khi ti\u1ebfp t\u1ee5c gi\u1ea3m<\/td>\n<td>Chia v\u1ed1n th\u00e0nh 4-5 ph\u1ea7n v\u00e0 \u0111\u1ea7u t\u01b0 d\u1ea7n trong 3-6 th\u00e1ng<\/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'>N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p 5 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch chuy\u00ean s\u00e2u gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 theo d\u00f5i c\u00e1c ch\u1ec9 b\u00e1o s\u1edbm v\u1ec1 bi\u1ebfn \u0111\u1ed9ng c\u1ed5 phi\u1ebfu TCB: H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o b\u1ea5t th\u01b0\u1eddng giao d\u1ecbch n\u01b0\u1edbc ngo\u00e0i, B\u1ed9 l\u1ecdc k\u1ef9 thu\u1eadt \u0111a khung th\u1eddi gian, C\u00f4ng c\u1ee5 so s\u00e1nh \u0111\u1ecbnh gi\u00e1 ng\u00e0nh, M\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n bi\u1ebfn \u0111\u1ed9ng gi\u00e1 theo chu k\u1ef3, v\u00e0 H\u1ec7 th\u1ed1ng ki\u1ec3m tra s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh theo th\u1eddi gian th\u1ef1c cho doanh nghi\u1ec7p.<\/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 v\u00e0 d\u1ef1 b\u00e1o xu h\u01b0\u1edbng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u00f4ng qua ph\u00e2n t\u00edch to\u00e0n di\u1ec7n 23 y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng, c\u00e1c l\u00fd do ch\u00ednh gi\u1ea3i th\u00edch t\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh bao g\u1ed3m: (1) T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn qu\u00fd 2\/2024 ch\u1ec9 5.7% &#8211; th\u1ea5p nh\u1ea5t trong 5 n\u0103m; (2) Qu\u00e1 tr\u00ecnh t\u00e1i c\u1ea5u tr\u00fac danh m\u1ee5c cho vay qu\u00e1 nhanh (-13.1% t\u1ef7 tr\u1ecdng b\u1ea5t \u0111\u1ed9ng s\u1ea3n\/6 th\u00e1ng); (3) Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i b\u00e1n r\u00f2ng 2,143 t\u1ef7 VND trong qu\u00fd 3\/2024; (4) S\u1ef1 \u0111\u00f3ng b\u0103ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n; v\u00e0 (5) Xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt ti\u00eau c\u1ef1c v\u1edbi m\u00f4 h\u00ecnh &#8220;Death Cross&#8221; \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn t\u1eeb ng\u00e0y 28\/07\/2024.<\/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 c\u1ee7a Pocket Option d\u1ef1 b\u00e1o 3 k\u1ecbch b\u1ea3n cho c\u1ed5 phi\u1ebfu TCB trong 6 th\u00e1ng t\u1edbi, v\u1edbi x\u00e1c su\u1ea5t c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean ph\u00e2n t\u00edch \u0111\u1ecbnh l\u01b0\u1ee3ng 76 giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1:<\/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'>K\u1ecbch b\u1ea3n t\u00edch c\u1ef1c (25%): TCB ph\u1ee5c h\u1ed3i v\u1ec1 v\u00f9ng 40,000-42,000 VND nh\u1edd k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 3\/2024 v\u01b0\u1ee3t k\u1ef3 v\u1ecdng v\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 d\u1ea5u hi\u1ec7u \u1ea5m l\u00ean<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>K\u1ecbch b\u1ea3n c\u01a1 b\u1ea3n (55%): TCB dao \u0111\u1ed9ng trong v\u00f9ng 30,000-35,000 VND trong 3-4 th\u00e1ng tr\u01b0\u1edbc khi h\u00ecnh th\u00e0nh n\u1ec1n t\u00edch l\u0169y<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>K\u1ecbch b\u1ea3n ti\u00eau c\u1ef1c (20%): TCB c\u00f3 th\u1ec3 ki\u1ec3m tra v\u00f9ng 26,000-28,000 VND n\u1ebfu th\u1ecb tr\u01b0\u1eddng chung \u0111i\u1ec1u ch\u1ec9nh m\u1ea1nh ho\u1eb7c k\u1ebft qu\u1ea3 qu\u00fd 3\/2024 ti\u1ebfp t\u1ee5c d\u01b0\u1edbi k\u1ef3 v\u1ecdng<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c ph\u00f9 h\u1ee3p d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro v\u00e0 k\u1ef3 v\u1ecdng thu nh\u1eadp c\u1ee7a m\u00ecnh. \u0110\u1ed1i v\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (&gt;12 th\u00e1ng), m\u1ee9c gi\u00e1 hi\u1ec7n t\u1ea1i c\u1ee7a TCB (P\/B 1.1x) \u0111\u00e3 ph\u1ea3n \u00e1nh ph\u1ea7n l\u1edbn c\u00e1c y\u1ebfu t\u1ed1 ti\u00eau c\u1ef1c v\u00e0 t\u1ea1o c\u01a1 h\u1ed9i t\u00edch l\u0169y v\u1edbi chi\u1ebfn l\u01b0\u1ee3c DCA (Dollar Cost Averaging) &#8211; \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh k\u1ef3 h\u00e0ng th\u00e1ng v\u1edbi 15-20% v\u1ed1n d\u1ef1 ki\u1ebfn.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u00e0 \u0111\u1ea7u t\u01b0 ng\u1eafn v\u00e0 trung h\u1ea1n n\u00ean ch\u1edd \u0111\u1ee3i c\u00e1c t\u00edn hi\u1ec7u k\u1ef9 thu\u1eadt t\u00edch c\u1ef1c r\u00f5 r\u00e0ng nh\u01b0: (1) MACD c\u1eaft l\u00ean tr\u00ean Signal v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng &gt;50% so v\u1edbi trung b\u00ecnh; (2) RSI t\u1ea1o ph\u00e2n k\u1ef3 d\u01b0\u01a1ng; ho\u1eb7c (3) gi\u00e1 di chuy\u1ec3n tr\u00ean MA20 v\u1edbi x\u00e1c nh\u1eadn t\u1eeb 3 phi\u00ean li\u00ean ti\u1ebfp.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option cam k\u1ebft cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n v\u00e0 b\u00e1o c\u00e1o chuy\u00ean s\u00e2u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt h\u00e0ng tu\u1ea7n v\u1ec1 c\u1ed5 phi\u1ebfu TCB v\u00e0 to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng, gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 Vi\u1ec7t Nam \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch kh\u00e1ch quan trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<\/div>\n"},"faq":[{"question":"S\u1ef1 gi\u1ea3m m\u1ea1nh c\u1ee7a c\u1ed5 phi\u1ebfu TCB c\u00f3 ph\u1ea3i l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 mua kh\u00f4ng?","answer":"V\u1edbi t\u1ef7 l\u1ec7 P\/B l\u00e0 1.1x (th\u1ea5p nh\u1ea5t trong 3 n\u0103m v\u00e0 th\u1ea5p h\u01a1n 39% so v\u1edbi trung b\u00ecnh ng\u00e0nh), TCB \u0111ang \u1edf trong v\u00f9ng \"r\u1ebb l\u1ecbch s\u1eed\". Tuy nhi\u00ean, \u0111\u00e2y ch\u1ec9 l\u00e0 c\u01a1 h\u1ed9i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro cao. D\u1eef li\u1ec7u t\u1eeb 76 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1 cho th\u1ea5y c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng v\u1edbi P\/B d\u01b0\u1edbi 1.2x th\u01b0\u1eddng ph\u1ee5c h\u1ed3i trong v\u00f2ng 6-12 th\u00e1ng v\u1edbi t\u1ef7 l\u1ec7 th\u00e0nh c\u00f4ng 83% v\u00e0 m\u1ee9c t\u0103ng trung b\u00ecnh 31.5%. Pocket Option khuy\u1ebfn ngh\u1ecb chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3i ng\u00e2n 20:30:50 (20% \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i, 30% n\u1ebfu gi\u1ea3m th\u00eam 10%, 50% khi xu\u1ea5t hi\u1ec7n t\u00edn hi\u1ec7u \u0111\u1ea3o chi\u1ec1u r\u00f5 r\u00e0ng)."},{"question":"Khi n\u00e0o c\u1ed5 phi\u1ebfu TCB c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i?","answer":"Ph\u00e2n t\u00edch 23 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh TCB t\u1eeb 2015-2024 cho th\u1ea5y 4 y\u1ebfu t\u1ed1 c\u1ea7n theo d\u00f5i: (1) K\u1ebft qu\u1ea3 Q3\/2024 v\u1edbi t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn >10% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc; (2) Giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n Q4\/2024 t\u0103ng \u00edt nh\u1ea5t 20% so v\u1edbi qu\u00fd tr\u01b0\u1edbc; (3) Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i chuy\u1ec3n t\u1eeb b\u00e1n r\u00f2ng sang mua r\u00f2ng trong 10 phi\u00ean li\u00ean ti\u1ebfp; (4) TCB h\u00ecnh th\u00e0nh c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt nh\u01b0 \"Double Bottom\" ho\u1eb7c \"Inverse Head and Shoulders\" v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng x\u00e1c nh\u1eadn >10 tri\u1ec7u c\u1ed5 phi\u1ebfu\/phi\u00ean. T\u00edn hi\u1ec7u ph\u1ee5c h\u1ed3i s\u1edbm nh\u1ea5t d\u1ef1 ki\u1ebfn v\u00e0o gi\u1eefa th\u00e1ng 11\/2024 (sau b\u00e1o c\u00e1o t\u00e0i ch\u00ednh Q3)."},{"question":"T\u00f4i c\u00f3 n\u00ean c\u1eaft l\u1ed7 c\u1ed5 phi\u1ebfu TCB v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0y kh\u00f4ng?","answer":"D\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u1eeb Pocket Option tr\u00ean 1.265 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n cho th\u1ea5y: nh\u1eefng ng\u01b0\u1eddi b\u00e1n th\u00e1o trong ho\u1ea3ng lo\u1ea1n \u1edf \u0111\u00e1y (P\/B <1.2x) c\u00f3 78% kh\u1ea3 n\u0103ng kh\u00f4ng th\u1ec3 mua l\u1ea1i v\u1edbi gi\u00e1 t\u1ed1t h\u01a1n. Thay v\u00ec c\u1eaft l\u1ed7 ho\u00e0n to\u00e0n, chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u l\u00e0 gi\u1ea3m v\u1ecb th\u1ebf (30-50%) \u0111\u1ec3 b\u1ea3o to\u00e0n m\u1ed9t ph\u1ea7n v\u1ed1n v\u00e0 t\u00e2m l\u00fd, trong khi gi\u1eef l\u1ea1i ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u1ec3 \u0111\u00f3n \u0111\u1ea7u s\u1ef1 ph\u1ee5c h\u1ed3i. C\u01a1 h\u1ed9i\/r\u1ee7i ro hi\u1ec7n t\u1ea1i l\u00e0 2.8:1 (ti\u1ec1m n\u0103ng t\u0103ng 28% so v\u1edbi r\u1ee7i ro gi\u1ea3m th\u00eam 10%) - m\u1ed9t t\u1ef7 l\u1ec7 h\u1ea5p d\u1eabn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n."},{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o c\u1ea7n \u0111\u01b0\u1ee3c theo d\u00f5i \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu TCB?","answer":"Theo d\u00f5i 6 ch\u1ec9 s\u1ed1 ch\u00ednh: (1) NIM Q3\/2024 (n\u1ebfu >4.6% l\u00e0 t\u00edn hi\u1ec7u t\u00edch c\u1ef1c); (2) T\u1ef7 l\u1ec7 NPL (n\u1ebfu <1.3% l\u00e0 an to\u00e0n); (3) T\u1ef7 l\u1ec7 CASA (n\u1ebfu >45% cho th\u1ea5y kh\u1ea3 n\u0103ng c\u1ea1nh tranh t\u1ed1t); (4) T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cho vay b\u00e1n l\u1ebb (m\u1ee5c ti\u00eau >20% YoY); (5) Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 Dragon Capital v\u00e0 ETF; (6) Di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n Q4\/2024. Pocket Option cung c\u1ea5p h\u1ec7 th\u1ed1ng \"TCB Financial Health Tracker\" c\u1eadp nh\u1eadt c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y theo th\u1eddi gian th\u1ef1c cho kh\u00e1ch h\u00e0ng."},{"question":"C\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng nh\u01b0 TCB?","answer":"Ph\u00e2n t\u00edch 2.173 t\u00e0i kho\u1ea3n giao d\u1ecbch TCB tr\u00ean Pocket Option ti\u1ebft l\u1ed9 5 chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 nh\u1ea5t: (1) Ph\u00e2n b\u1ed5 t\u1ed1i \u0111a 7% danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho m\u1ed9t c\u1ed5 phi\u1ebfu; (2) \u00c1p d\u1ee5ng c\u00f4ng th\u1ee9c t\u1ef7 l\u1ec7 Kelly cho vi\u1ec7c ph\u00e2n b\u1ed5 (K%=L\u1ee3i th\u1ebf\/T\u1ef7 l\u1ec7 c\u01b0\u1ee3c); (3) S\u1eed d\u1ee5ng c\u01a1 ch\u1ebf \"Trailing Stop\" thay v\u00ec Stop-Loss c\u1ed1 \u0111\u1ecbnh; (4) \u0110a d\u1ea1ng h\u00f3a qua c\u00e1c ng\u00e0nh c\u00f3 t\u01b0\u01a1ng quan th\u1ea5p (ng\u00e2n h\u00e0ng + ti\u00eau d\u00f9ng + c\u00f4ng ngh\u1ec7); (5) Th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c b\u00e1n quy\u1ec1n ch\u1ecdn mua \u0111\u1ec3 t\u1ea1o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng trong c\u00e1c giai \u0111o\u1ea1n \u0111i ngang. C\u00f4ng c\u1ee5 \"Portfolio Risk Simulator\" c\u1ee7a Pocket Option gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ec3m tra v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y theo kh\u1ea9u v\u1ecb r\u1ee7i ro c\u00e1 nh\u00e2n."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"S\u1ef1 gi\u1ea3m m\u1ea1nh c\u1ee7a c\u1ed5 phi\u1ebfu TCB c\u00f3 ph\u1ea3i l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 mua kh\u00f4ng?","answer":"V\u1edbi t\u1ef7 l\u1ec7 P\/B l\u00e0 1.1x (th\u1ea5p nh\u1ea5t trong 3 n\u0103m v\u00e0 th\u1ea5p h\u01a1n 39% so v\u1edbi trung b\u00ecnh ng\u00e0nh), TCB \u0111ang \u1edf trong v\u00f9ng \"r\u1ebb l\u1ecbch s\u1eed\". Tuy nhi\u00ean, \u0111\u00e2y ch\u1ec9 l\u00e0 c\u01a1 h\u1ed9i cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n v\u1edbi kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro cao. D\u1eef li\u1ec7u t\u1eeb 76 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh t\u01b0\u01a1ng t\u1ef1 cho th\u1ea5y c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng v\u1edbi P\/B d\u01b0\u1edbi 1.2x th\u01b0\u1eddng ph\u1ee5c h\u1ed3i trong v\u00f2ng 6-12 th\u00e1ng v\u1edbi t\u1ef7 l\u1ec7 th\u00e0nh c\u00f4ng 83% v\u00e0 m\u1ee9c t\u0103ng trung b\u00ecnh 31.5%. Pocket Option khuy\u1ebfn ngh\u1ecb chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3i ng\u00e2n 20:30:50 (20% \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i, 30% n\u1ebfu gi\u1ea3m th\u00eam 10%, 50% khi xu\u1ea5t hi\u1ec7n t\u00edn hi\u1ec7u \u0111\u1ea3o chi\u1ec1u r\u00f5 r\u00e0ng)."},{"question":"Khi n\u00e0o c\u1ed5 phi\u1ebfu TCB c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i?","answer":"Ph\u00e2n t\u00edch 23 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh TCB t\u1eeb 2015-2024 cho th\u1ea5y 4 y\u1ebfu t\u1ed1 c\u1ea7n theo d\u00f5i: (1) K\u1ebft qu\u1ea3 Q3\/2024 v\u1edbi t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn >10% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc; (2) Giao d\u1ecbch b\u1ea5t \u0111\u1ed9ng s\u1ea3n Q4\/2024 t\u0103ng \u00edt nh\u1ea5t 20% so v\u1edbi qu\u00fd tr\u01b0\u1edbc; (3) Nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i chuy\u1ec3n t\u1eeb b\u00e1n r\u00f2ng sang mua r\u00f2ng trong 10 phi\u00ean li\u00ean ti\u1ebfp; (4) TCB h\u00ecnh th\u00e0nh c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt nh\u01b0 \"Double Bottom\" ho\u1eb7c \"Inverse Head and Shoulders\" v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng x\u00e1c nh\u1eadn >10 tri\u1ec7u c\u1ed5 phi\u1ebfu\/phi\u00ean. T\u00edn hi\u1ec7u ph\u1ee5c h\u1ed3i s\u1edbm nh\u1ea5t d\u1ef1 ki\u1ebfn v\u00e0o gi\u1eefa th\u00e1ng 11\/2024 (sau b\u00e1o c\u00e1o t\u00e0i ch\u00ednh Q3)."},{"question":"T\u00f4i c\u00f3 n\u00ean c\u1eaft l\u1ed7 c\u1ed5 phi\u1ebfu TCB v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0y kh\u00f4ng?","answer":"D\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u1eeb Pocket Option tr\u00ean 1.265 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n cho th\u1ea5y: nh\u1eefng ng\u01b0\u1eddi b\u00e1n th\u00e1o trong ho\u1ea3ng lo\u1ea1n \u1edf \u0111\u00e1y (P\/B <1.2x) c\u00f3 78% kh\u1ea3 n\u0103ng kh\u00f4ng th\u1ec3 mua l\u1ea1i v\u1edbi gi\u00e1 t\u1ed1t h\u01a1n. Thay v\u00ec c\u1eaft l\u1ed7 ho\u00e0n to\u00e0n, chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u l\u00e0 gi\u1ea3m v\u1ecb th\u1ebf (30-50%) \u0111\u1ec3 b\u1ea3o to\u00e0n m\u1ed9t ph\u1ea7n v\u1ed1n v\u00e0 t\u00e2m l\u00fd, trong khi gi\u1eef l\u1ea1i ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u1ec3 \u0111\u00f3n \u0111\u1ea7u s\u1ef1 ph\u1ee5c h\u1ed3i. C\u01a1 h\u1ed9i\/r\u1ee7i ro hi\u1ec7n t\u1ea1i l\u00e0 2.8:1 (ti\u1ec1m n\u0103ng t\u0103ng 28% so v\u1edbi r\u1ee7i ro gi\u1ea3m th\u00eam 10%) - m\u1ed9t t\u1ef7 l\u1ec7 h\u1ea5p d\u1eabn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n."},{"question":"Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o c\u1ea7n \u0111\u01b0\u1ee3c theo d\u00f5i \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 tri\u1ec3n v\u1ecdng c\u1ed5 phi\u1ebfu TCB?","answer":"Theo d\u00f5i 6 ch\u1ec9 s\u1ed1 ch\u00ednh: (1) NIM Q3\/2024 (n\u1ebfu >4.6% l\u00e0 t\u00edn hi\u1ec7u t\u00edch c\u1ef1c); (2) T\u1ef7 l\u1ec7 NPL (n\u1ebfu <1.3% l\u00e0 an to\u00e0n); (3) T\u1ef7 l\u1ec7 CASA (n\u1ebfu >45% cho th\u1ea5y kh\u1ea3 n\u0103ng c\u1ea1nh tranh t\u1ed1t); (4) T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cho vay b\u00e1n l\u1ebb (m\u1ee5c ti\u00eau >20% YoY); (5) Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a qu\u1ef9 Dragon Capital v\u00e0 ETF; (6) Di\u1ec5n bi\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n Q4\/2024. Pocket Option cung c\u1ea5p h\u1ec7 th\u1ed1ng \"TCB Financial Health Tracker\" c\u1eadp nh\u1eadt c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y theo th\u1eddi gian th\u1ef1c cho kh\u00e1ch h\u00e0ng."},{"question":"C\u00e1ch qu\u1ea3n l\u00fd r\u1ee7i ro khi \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng nh\u01b0 TCB?","answer":"Ph\u00e2n t\u00edch 2.173 t\u00e0i kho\u1ea3n giao d\u1ecbch TCB tr\u00ean Pocket Option ti\u1ebft l\u1ed9 5 chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3 nh\u1ea5t: (1) Ph\u00e2n b\u1ed5 t\u1ed1i \u0111a 7% danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho m\u1ed9t c\u1ed5 phi\u1ebfu; (2) \u00c1p d\u1ee5ng c\u00f4ng th\u1ee9c t\u1ef7 l\u1ec7 Kelly cho vi\u1ec7c ph\u00e2n b\u1ed5 (K%=L\u1ee3i th\u1ebf\/T\u1ef7 l\u1ec7 c\u01b0\u1ee3c); (3) S\u1eed d\u1ee5ng c\u01a1 ch\u1ebf \"Trailing Stop\" thay v\u00ec Stop-Loss c\u1ed1 \u0111\u1ecbnh; (4) \u0110a d\u1ea1ng h\u00f3a qua c\u00e1c ng\u00e0nh c\u00f3 t\u01b0\u01a1ng quan th\u1ea5p (ng\u00e2n h\u00e0ng + ti\u00eau d\u00f9ng + c\u00f4ng ngh\u1ec7); (5) Th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c b\u00e1n quy\u1ec1n ch\u1ecdn mua \u0111\u1ec3 t\u1ea1o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng trong c\u00e1c giai \u0111o\u1ea1n \u0111i ngang. C\u00f4ng c\u1ee5 \"Portfolio Risk Simulator\" c\u1ee7a Pocket Option gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 ki\u1ec3m tra v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y theo kh\u1ea9u v\u1ecb r\u1ee7i ro c\u00e1 nh\u00e2n."}]}},"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>T\u1ea1i sao c\u1ed5 phi\u1ebfu TCB gi\u1ea3m m\u1ea1nh 33%: Ph\u00e2n t\u00edch to\u00e0n di\u1ec7n cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/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\/why-tcb-stocks-plummeted\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"T\u1ea1i sao c\u1ed5 phi\u1ebfu 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