{"id":326365,"date":"2025-08-01T00:24:40","date_gmt":"2025-08-01T00:24:40","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/top-10-bank-stocks-2\/"},"modified":"2025-08-01T00:24:40","modified_gmt":"2025-08-01T00:24:40","slug":"top-10-bank-stocks","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/interesting\/reviews\/top-10-bank-stocks\/","title":{"rendered":"10 C\u1ed5 Phi\u1ebfu Ng\u00e2n H\u00e0ng H\u00e0ng \u0110\u1ea7u: Ph\u00e2n T\u00edch L\u1ee3i Nhu\u1eadn v\u00e0 C\u01a1 H\u1ed9i \u0110\u1ea7u T\u01b0 Th\u00e1ng 4 N\u0103m 2025"},"content":{"rendered":"
<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":45,"featured_media":220038,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[28,45,44],"class_list":["post-326365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews","tag-investment","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option: B\u00ed quy\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0o 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng sinh l\u1eddi nh\u1ea5t n\u0103m 2025","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: B\u00ed quy\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0o 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng sinh l\u1eddi nh\u1ea5t n\u0103m 2025"},"description":"Top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n, d\u1eef li\u1ec7u m\u1edbi nh\u1ea5t v\u00e0 chi\u1ebfn l\u01b0\u1ee3c l\u1ee3i nhu\u1eadn c\u1ee5 th\u1ec3 t\u1eeb c\u00e1c chuy\u00ean gia. Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 th\u00f4ng minh \u0111\u1ec3 gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn h\u00f4m nay","description_source":{"label":"Description","type":"textarea","formatted_value":"Top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Vi\u1ec7t Nam v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n, d\u1eef li\u1ec7u m\u1edbi nh\u1ea5t v\u00e0 chi\u1ebfn l\u01b0\u1ee3c l\u1ee3i nhu\u1eadn c\u1ee5 th\u1ec3 t\u1eeb c\u00e1c chuy\u00ean gia. Pocket Option cung c\u1ea5p c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 th\u00f4ng minh \u0111\u1ec3 gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn h\u00f4m nay"},"intro":"Trong Q1\/2025, c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 18,7% - v\u01b0\u1ee3t xa VN-Index (13,2%). B\u00e1o c\u00e1o n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 15-25% trong 6 th\u00e1ng t\u1edbi, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00e0i ch\u00ednh Q1 v\u00e0 c\u00e1c d\u1ef1 b\u00e1o kinh t\u1ebf m\u1edbi nh\u1ea5t. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1eb7c bi\u1ec7t cho t\u1eebng nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0, t\u1eeb b\u1ea3o to\u00e0n v\u1ed1n \u0111\u1ebfn t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn.","intro_source":{"label":"Intro","type":"text","formatted_value":"Trong Q1\/2025, c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh 18,7% - v\u01b0\u1ee3t xa VN-Index (13,2%). B\u00e1o c\u00e1o n\u00e0y cung c\u1ea5p ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng 15-25% trong 6 th\u00e1ng t\u1edbi, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00e0i ch\u00ednh Q1 v\u00e0 c\u00e1c d\u1ef1 b\u00e1o kinh t\u1ebf m\u1edbi nh\u1ea5t. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1eb7c bi\u1ec7t cho t\u1eebng nh\u00f3m nh\u00e0 \u0111\u1ea7u t\u01b0, t\u1eeb b\u1ea3o to\u00e0n v\u1ed1n \u0111\u1ebfn t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn."},"body_html":"

T\u1ed5ng quan v\u1ec1 th\u1ecb tr\u01b0\u1eddng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2025<\/h2><\/div>

Ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111ang b\u01b0\u1edbc v\u00e0o giai \u0111o\u1ea1n t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u1edbi d\u1ef1 b\u00e1o GDP \u0111\u1ea1t 6,8% v\u00e0o n\u0103m 2025. C\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u01b0\u1edfng l\u1ee3i tr\u1ef1c ti\u1ebfp t\u1eeb s\u1ef1 ph\u1ee5c h\u1ed3i n\u00e0y, khi\u1ebfn vi\u1ec7c ph\u00e2n t\u00edch top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng<\/b> tr\u1edf th\u00e0nh \u01b0u ti\u00ean c\u1ee7a nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00f4ng minh.<\/p><\/div>

Theo d\u1eef li\u1ec7u ch\u00ednh th\u1ee9c t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (Q1\/2025), t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u0103ng 8,2% so v\u1edbi c\u00f9ng k\u1ef3, \u0111\u1ea1t 18,5 tri\u1ec7u t\u1ef7 VND. \u0110\u00e1ng ch\u00fa \u00fd, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u gi\u1ea3m xu\u1ed1ng c\u00f2n 1,9% - m\u1ee9c th\u1ea5p nh\u1ea5t trong 5 n\u0103m qua, t\u1ea1o n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e0nh.<\/p><\/div>

D\u1eef li\u1ec7u t\u1eeb n\u1ec1n t\u1ea3ng Pocket Option<\/b> cho th\u1ea5y m\u1ed9t s\u1ef1 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3: t\u00ecm ki\u1ebfm c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u<\/b> t\u0103ng 62% trong Q1\/2025. Th\u1ed1ng k\u00ea n\u00e0y ph\u1ea3n \u00e1nh s\u1ef1 quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t khi bi\u1ebft r\u1eb1ng kh\u00f4ng ph\u1ea3i m\u00e3 c\u1ed5 phi\u1ebfu n\u00e0o c\u0169ng mang l\u1ea1i l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng \u0111\u01b0\u01a1ng. Vi\u1ec7c ch\u1ecdn \u0111\u00fang c\u1ed5 phi\u1ebfu t\u1eeb danh s\u00e1ch top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng<\/b> s\u1ebd quy\u1ebft \u0111\u1ecbnh th\u00e0nh c\u00f4ng c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n trong n\u0103m 2025.<\/p><\/div>

Ti\u00eau ch\u00ed x\u00e1c \u0111\u1ecbnh top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng ti\u1ec1m n\u0103ng<\/h2><\/div>

Ph\u00e2n t\u00edch c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p s\u00e2u r\u1ed9ng d\u1ef1a tr\u00ean 7 ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh quan tr\u1ecdng. Nh\u1eefng ti\u00eau ch\u00ed n\u00e0y gi\u00fap nh\u00e0 \u0111\u1ea7u t\u01b0 ph\u00e2n bi\u1ec7t c\u1ed5 phi\u1ebfu c\u00f3 ti\u1ec1m n\u0103ng th\u1ef1c s\u1ef1 v\u1edbi nh\u1eefng c\u1ed5 phi\u1ebfu ch\u1ec9 t\u0103ng theo xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng.<\/p><\/div>

Ti\u00eau ch\u00ed<\/th>M\u00f4 t\u1ea3<\/th>T\u1ea7m quan tr\u1ecdng<\/th><\/tr><\/thead>
ROE (L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu)<\/td>L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu<\/td>Cao<\/td><\/tr>
NIM (Bi\u00ean l\u00e3i r\u00f2ng)<\/td>Bi\u00ean l\u00e3i r\u00f2ng<\/td>Cao<\/td><\/tr>
CIR (T\u1ef7 l\u1ec7 chi ph\u00ed thu nh\u1eadp)<\/td>T\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp<\/td>Trung b\u00ecnh<\/td><\/tr>
NPL (N\u1ee3 x\u1ea5u)<\/td>T\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u tr\u00ean t\u1ed5ng d\u01b0 n\u1ee3<\/td>Cao<\/td><\/tr>
T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td>T\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng<\/td>Trung b\u00ecnh<\/td><\/tr>
P\/B (Gi\u00e1 tr\u00ean s\u1ed5 s\u00e1ch)<\/td>T\u1ef7 l\u1ec7 gi\u00e1 tr\u00ean gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch<\/td>Cao<\/td><\/tr>
P\/E (Gi\u00e1 tr\u00ean thu nh\u1eadp)<\/td>T\u1ef7 l\u1ec7 gi\u00e1 tr\u00ean thu nh\u1eadp<\/td>Cao<\/td><\/tr><\/tbody><\/table><\/div><\/div>

Ph\u00e2n t\u00edch t\u1eeb Pocket Option<\/b> ch\u1ec9 ra: c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 ROE tr\u00ean 15%, NIM tr\u00ean 3,5%, v\u00e0 t\u1ef7 l\u1ec7 NPL d\u01b0\u1edbi 2% th\u01b0\u1eddng mang l\u1ea1i l\u1ee3i nhu\u1eadn cao h\u01a1n 23% so v\u1edbi trung b\u00ecnh ng\u00e0nh. \u0110\u1eb7c bi\u1ec7t, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 m\u1ea1nh v\u00e0o c\u00f4ng ngh\u1ec7 (tr\u00ean 8% doanh thu) t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3, v\u1edbi t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp th\u1ea5p h\u01a1n 12% so v\u1edbi \u0111\u1ed1i th\u1ee7 truy\u1ec1n th\u1ed1ng.<\/p><\/div>

Danh s\u00e1ch 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng ti\u1ec1m n\u0103ng nh\u1ea5t n\u0103m 2025<\/h2><\/div>

D\u1ef1a tr\u00ean ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u00e0i ch\u00ednh Q1\/2025 v\u00e0 d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng c\u1ea3 n\u0103m, ch\u00fang t\u00f4i x\u00e1c \u0111\u1ecbnh 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng c\u00f3 ti\u1ec1m n\u0103ng l\u1ee3i nhu\u1eadn cao nh\u1ea5t. Danh s\u00e1ch n\u00e0y \u0111\u00e3 lo\u1ea1i tr\u1eeb c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 l\u1ec7 NPL t\u0103ng ho\u1eb7c t\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n d\u01b0\u1edbi ng\u01b0\u1ee1ng an to\u00e0n.<\/p><\/div>

M\u00e3 c\u1ed5 phi\u1ebfu<\/th>T\u00ean ng\u00e2n h\u00e0ng<\/th>ROE (%)<\/th>P\/B<\/th>T\u0103ng tr\u01b0\u1edfng EPS (%)<\/th>Ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 (%)<\/th><\/tr><\/thead>
VCB<\/td>Vietcombank<\/td>21.5<\/td>2.8<\/td>18.2<\/td>15.7<\/td><\/tr>
TCB<\/td>Techcombank<\/td>19.8<\/td>1.9<\/td>20.4<\/td>22.3<\/td><\/tr>
MBB<\/td>MB Bank<\/td>22.1<\/td>1.7<\/td>23.5<\/td>18.9<\/td><\/tr>
ACB<\/td>Ng\u00e2n h\u00e0ng \u00c1 Ch\u00e2u<\/td>18.7<\/td>1.6<\/td>16.8<\/td>17.5<\/td><\/tr>
VPB<\/td>VPBank<\/td>17.2<\/td>1.4<\/td>15.3<\/td>21.2<\/td><\/tr>
HDB<\/td>HDBank<\/td>20.3<\/td>1.8<\/td>18.9<\/td>16.4<\/td><\/tr>
BID<\/td>BIDV<\/td>16.9<\/td>2.1<\/td>14.5<\/td>13.8<\/td><\/tr>
CTG<\/td>VietinBank<\/td>16.2<\/td>1.9<\/td>13.7<\/td>12.6<\/td><\/tr>
STB<\/td>Sacombank<\/td>15.9<\/td>1.3<\/td>21.6<\/td>19.5<\/td><\/tr>
TPB<\/td>TPBank<\/td>18.4<\/td>1.5<\/td>17.8<\/td>20.1<\/td><\/tr><\/tbody><\/table><\/div><\/div>

Ph\u00e2n t\u00edch chi ti\u1ebft 3 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng n\u1ed5i b\u1eadt nh\u1ea5t<\/h3><\/div>

Ba m\u00e3 c\u1ed5 phi\u1ebfu trong top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng<\/b> n\u1ed5i b\u1eadt v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i, d\u1ef1a tr\u00ean ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn, chi\u1ebfn l\u01b0\u1ee3c kinh doanh v\u00e0 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u1edbi th\u1ecb tr\u01b0\u1eddng n\u0103m 2025.<\/p><\/div>

1. TCB - Techcombank: D\u1eabn \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi CASA cao nh\u1ea5t th\u1ecb tr\u01b0\u1eddng<\/h4><\/div>

Techcombank th\u1ed1ng tr\u1ecb ph\u00e2n kh\u00fac ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi ROE 19,8% v\u00e0 t\u1ef7 l\u1ec7 CASA 45,7% - cao nh\u1ea5t trong ng\u00e0nh. Th\u1ebf m\u1ea1nh c\u1ee7a TCB l\u00e0 kh\u1ea3 n\u0103ng thu h\u00fat ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1ed1n 27% so v\u1edbi trung b\u00ecnh ng\u00e0nh. Trong Q1\/2025, ng\u00e2n h\u00e0ng t\u0103ng thu nh\u1eadp t\u1eeb ph\u00ed 34% nh\u1edd n\u1ec1n t\u1ea3ng s\u1ed1 \u0111\u1ed9t ph\u00e1.<\/p><\/div>

C\u00e1c chuy\u00ean gia t\u1ea1i Pocket Option<\/b> d\u1ef1 b\u00e1o TCB s\u1ebd t\u0103ng 22,3% trong n\u0103m 2025, ch\u1ee7 y\u1ebfu nh\u1edd c\u00e1c quan h\u1ec7 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi 5 c\u00f4ng ty fintech h\u00e0ng \u0111\u1ea7u. \u0110\u00e1ng ch\u00fa \u00fd, 67% kh\u00e1ch h\u00e0ng c\u1ee7a TCB thu\u1ed9c ph\u00e2n kh\u00fac gi\u00e0u c\u00f3 (thu nh\u1eadp tr\u00ean 30 tri\u1ec7u VND\/th\u00e1ng), t\u1ea1o ra doanh thu b\u1ec1n v\u1eefng ngay c\u1ea3 trong giai \u0111o\u1ea1n l\u00e3i su\u1ea5t th\u1ea5p.<\/p><\/div>

2. MBB - MB Bank: H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh \u0111a d\u1ea1ng v\u1edbi ROE d\u1eabn \u0111\u1ea7u<\/h4><\/div>

MB Bank s\u1edf h\u1eefu ROE cao nh\u1ea5t trong nh\u00f3m (22,1%) v\u00e0 m\u00f4 h\u00ecnh kinh doanh ng\u00e2n h\u00e0ng-b\u1ea3o hi\u1ec3m-ch\u1ee9ng kho\u00e1n t\u00edch h\u1ee3p hi\u1ec7u qu\u1ea3. CIR th\u1ea5p (35,8%) ph\u1ea3n \u00e1nh hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd chi ph\u00ed v\u01b0\u1ee3t tr\u1ed9i, trong khi t\u1ef7 l\u1ec7 NPL ch\u1ec9 1,3% - th\u1ea5p h\u01a1n 31% so v\u1edbi trung b\u00ecnh ng\u00e0nh.<\/p><\/div>

Theo Pocket Option<\/b>, MBB c\u00f3 th\u1ec3 t\u0103ng 18,9% trong n\u0103m 2025 nh\u1edd \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong qu\u1ea3n l\u00fd r\u1ee7i ro. Ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 12% doanh thu v\u00e0o AI v\u00e0 d\u1eef li\u1ec7u l\u1edbn, gi\u00fap gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng 23% v\u00e0 t\u0103ng hi\u1ec7u qu\u1ea3 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng 31%. C\u00f4ng ngh\u1ec7 n\u00e0y t\u1ef1 \u0111\u1ed9ng ph\u00e2n t\u00edch 86% h\u1ed3 s\u01a1 vay m\u00e0 kh\u00f4ng c\u1ea7n can thi\u1ec7p th\u1ee7 c\u00f4ng.<\/p><\/div>

3. VCB - Vietcombank: Ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t tr\u1ed9i v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u<\/h4><\/div>

Vietcombank duy tr\u00ec v\u1ecb th\u1ebf \"anh c\u1ea3\" v\u1edbi n\u1ec1n t\u1ea3ng v\u1ed1n m\u1ea1nh nh\u1ea5t v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t nh\u1ea5t trong h\u1ec7 th\u1ed1ng. ROE 21,5% k\u1ebft h\u1ee3p v\u1edbi t\u1ef7 l\u1ec7 NPL ch\u1ec9 0,9% t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u1eefng ch\u1eafc. \u0110\u00e1ng ch\u00fa \u00fd, t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng n\u1ee3 x\u1ea5u \u0111\u1ea1t 278% - cao nh\u1ea5t trong top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng<\/b>.<\/p><\/div>

VCB d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng 15,7% trong n\u0103m 2025 - th\u1ea5p h\u01a1n TCB v\u00e0 MBB, nh\u01b0ng l\u00e0 l\u1ef1a ch\u1ecdn \u1ed5n \u0111\u1ecbnh h\u01a1n v\u1edbi bi\u1ebfn \u0111\u1ed9ng gi\u00e1 th\u1ea5p h\u01a1n 43%. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong thanh to\u00e1n qu\u1ed1c t\u1ebf (chi\u1ebfm 36% th\u1ecb ph\u1ea7n), VCB l\u00e0 l\u1ef1a ch\u1ecdn ph\u00f2ng th\u1ee7 l\u00fd t\u01b0\u1edfng trong c\u00e1c giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng.<\/p><\/div>

Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt v\u00e0 \u0111\u1ecbnh gi\u00e1 top 10 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng<\/h2><\/div>

Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt k\u1ebft h\u1ee3p v\u1edbi \u0111\u1ecbnh gi\u00e1 l\u00e0 ph\u01b0\u01a1ng ph\u00e1p hi\u1ec7u qu\u1ea3 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m mua v\u00e0 b\u00e1n c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u<\/b>. B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y t\u00f3m t\u1eaft c\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt v\u00e0 m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 cho 10 c\u1ed5 phi\u1ebfu h\u00e0ng \u0111\u1ea7u, c\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 5 th\u00e1ng 4 n\u0103m 2025.<\/p><\/div>

M\u00e3 c\u1ed5 phi\u1ebfu<\/th>Xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i<\/th>M\u1ee9c h\u1ed7 tr\u1ee3<\/th>M\u1ee9c kh\u00e1ng c\u1ef1<\/th>P\/E<\/th>P\/E ng\u00e0nh<\/th>Khuy\u1ebfn ngh\u1ecb<\/th><\/tr><\/thead>
VCB<\/td>Xu h\u01b0\u1edbng t\u0103ng<\/td>89,500<\/td>102,400<\/td>16.8<\/td>14.5<\/td>Mua<\/td><\/tr>
TCB<\/td>Xu h\u01b0\u1edbng t\u0103ng m\u1ea1nh<\/td>42,300<\/td>52,100<\/td>9.7<\/td>14.5<\/td>Mua m\u1ea1nh<\/td><\/tr>
MBB<\/td>Xu h\u01b0\u1edbng t\u0103ng<\/td>28,700<\/td>35,600<\/td>8.5<\/td>14.5<\/td>Mua m\u1ea1nh<\/td><\/tr>
ACB<\/td>\u0110i ngang<\/td>25,400<\/td>29,800<\/td>10.2<\/td>14.5<\/td>T\u00edch l\u0169y<\/td><\/tr>
VPB<\/td>Xu h\u01b0\u1edbng t\u0103ng nh\u1eb9<\/td>19,200<\/td>24,500<\/td>8.9<\/td>14.5<\/td>Mua<\/td><\/tr>
HDB<\/td>Xu h\u01b0\u1edbng t\u0103ng<\/td>22,100<\/td>26,800<\/td>9.5<\/td>14.5<\/td>Mua<\/td><\/tr>
BID<\/td>\u0110i ngang<\/td>48,200<\/td>53,900<\/td>15.3<\/td>14.5<\/td>Gi\u1eef<\/td><\/tr>
CTG<\/td>\u0110i ngang<\/td>32,400<\/td>36,700<\/td>13.8<\/td>14.5<\/td>Gi\u1eef<\/td><\/tr>
STB<\/td>Xu h\u01b0\u1edbng t\u0103ng<\/td>26,300<\/td>32,500<\/td>11.2<\/td>14.5<\/td>Mua<\/td><\/tr>
TPB<\/td>Xu h\u01b0\u1edbng t\u0103ng<\/td>19,800<\/td>25,200<\/td>8.7<\/td>14.5<\/td>Mua<\/td><\/tr><\/tbody><\/table><\/div><\/div>

Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u theo th\u1eddi \u0111i\u1ec3m<\/h3><\/div>

Th\u1eddi \u0111i\u1ec3m quy\u1ebft \u0111\u1ecbnh 40% l\u1ee3i nhu\u1eadn khi \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u<\/b>. D\u1ef1a tr\u00ean ph\u00e2n t\u00edch d\u1eef li\u1ec7u giao d\u1ecbch 10 n\u0103m v\u00e0 chu k\u1ef3 kinh doanh ng\u00e2n h\u00e0ng, chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n t\u1ed1i \u01b0u cho n\u0103m 2025 nh\u01b0 sau:<\/p><\/div>