{"id":328013,"date":"2025-08-01T06:11:31","date_gmt":"2025-08-01T06:11:31","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/yes-bank-stock-prediction-2025-2\/"},"modified":"2025-08-01T06:11:31","modified_gmt":"2025-08-01T06:11:31","slug":"yes-bank-stock-prediction-2025","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/markets\/yes-bank-stock-prediction-2025\/","title":{"rendered":"D\u1ef1 \u0111o\u00e1n C\u1ed5 phi\u1ebfu Yes Bank 2025: Th\u00f4ng tin chi ti\u1ebft t\u1eeb chuy\u00ean gia \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":325922,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[47,28,45],"class_list":["post-328013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-markets","tag-beginner","tag-investment","tag-stock"],"acf":{"h1":"Pocket Option D\u1ef1 \u0111o\u00e1n C\u1ed5 phi\u1ebfu Yes Bank 2025","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option D\u1ef1 \u0111o\u00e1n C\u1ed5 phi\u1ebfu Yes Bank 2025"},"description":"D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng \u1ea9n v\u00e0 y\u1ebfu t\u1ed1 r\u1ee7i ro. Pocket Option cung c\u1ea5p th\u00f4ng tin th\u1ecb tr\u01b0\u1eddng \u0111\u1ed9c quy\u1ec1n cho c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u01b0\u1ee3t tr\u1ed9i.","description_source":{"label":"Description","type":"textarea","formatted_value":"D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 v\u1edbi ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh t\u0103ng tr\u01b0\u1edfng \u1ea9n v\u00e0 y\u1ebfu t\u1ed1 r\u1ee7i ro. Pocket Option cung c\u1ea5p th\u00f4ng tin th\u1ecb tr\u01b0\u1eddng \u0111\u1ed9c quy\u1ec1n cho c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u01b0\u1ee3t tr\u1ed9i."},"intro":"Kh\u00e1m ph\u00e1 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 ti\u1ebft l\u1ed9 m\u1ed9t qu\u1ef9 \u0111\u1ea1o ph\u1ee9c t\u1ea1p \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh b\u1edfi th\u00e0nh c\u00f4ng t\u00e1i c\u1ea5u tr\u00fac ch\u01b0a t\u1eebng c\u00f3 v\u00e0 kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang n\u1ed5i l\u00ean. Ph\u00e2n t\u00edch n\u00e0y m\u1ed5 x\u1ebb s\u1ef1 chuy\u1ec3n \u0111\u1ed5i c\u1ee7a ng\u00e2n h\u00e0ng t\u1eeb g\u1ea7n nh\u01b0 s\u1ee5p \u0111\u1ed5 \u0111\u1ebfn kh\u1ea3 n\u0103ng v\u01b0\u1ee3t tr\u1ed9i tr\u00ean th\u1ecb tr\u01b0\u1eddng, k\u1ebft h\u1ee3p c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u1ed9c quy\u1ec1n, hi\u1ec3u bi\u1ebft t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai m\u00e0 ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng th\u01b0\u1eddng b\u1ecf qua.","intro_source":{"label":"Intro","type":"text","formatted_value":"Kh\u00e1m ph\u00e1 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 ti\u1ebft l\u1ed9 m\u1ed9t qu\u1ef9 \u0111\u1ea1o ph\u1ee9c t\u1ea1p \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh b\u1edfi th\u00e0nh c\u00f4ng t\u00e1i c\u1ea5u tr\u00fac ch\u01b0a t\u1eebng c\u00f3 v\u00e0 kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang n\u1ed5i l\u00ean. Ph\u00e2n t\u00edch n\u00e0y m\u1ed5 x\u1ebb s\u1ef1 chuy\u1ec3n \u0111\u1ed5i c\u1ee7a ng\u00e2n h\u00e0ng t\u1eeb g\u1ea7n nh\u01b0 s\u1ee5p \u0111\u1ed5 \u0111\u1ebfn kh\u1ea3 n\u0103ng v\u01b0\u1ee3t tr\u1ed9i tr\u00ean th\u1ecb tr\u01b0\u1eddng, k\u1ebft h\u1ee3p c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u1ed9c quy\u1ec1n, hi\u1ec3u bi\u1ebft t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 h\u01b0\u1edbng t\u1edbi t\u01b0\u01a1ng lai m\u00e0 ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng th\u01b0\u1eddng b\u1ecf qua."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Hi\u1ec3u V\u1ecb Th\u1ebf Hi\u1ec7n T\u1ea1i c\u1ee7a Yes Bank<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>S\u1ef1 chuy\u1ec3n \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd c\u1ee7a Yes Bank \u0111\u00e3 bi\u1ebfn n\u00f3 t\u1eeb m\u1ed9t c\u00e2u chuy\u1ec7n c\u1ea3nh b\u00e1o th\u00e0nh m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 ti\u1ec1m n\u0103ng, khi\u1ebfn d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 \u0111\u1eb7c bi\u1ec7t c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn xa. Sau khi v\u01b0\u1ee3t qua cu\u1ed9c kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng n\u0103m 2020 khi\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 s\u1ee5p \u0111\u1ed5 92%, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c ph\u1ee5c h\u1ed3i c\u00f3 k\u1ef7 lu\u1eadt. K\u1ebft qu\u1ea3 qu\u00fd g\u1ea7n \u0111\u00e2y cho th\u1ea5y l\u1ee3i nhu\u1eadn t\u0103ng 47% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc c\u00f9ng v\u1edbi vi\u1ec7c gi\u1ea3m NPA t\u1eeb 12,9% xu\u1ed1ng ch\u1ec9 c\u00f2n 2,0% \u2013 t\u1ef7 l\u1ec7 ph\u1ee5c h\u1ed3i v\u01b0\u1ee3t qu\u00e1 84% so v\u1edbi c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng t\u01b0\u01a1ng t\u1ef1 tr\u00ean to\u00e0n c\u1ea7u.<\/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 Hi\u1ec7u Su\u1ea5t Ch\u00ednh<\/th><th>Tr\u1ea1ng Th\u00e1i Hi\u1ec7n T\u1ea1i<\/th><th>M\u1ee9c \u0110\u1ed9 Li\u00ean Quan cho D\u1ef1 \u0110o\u00e1n 2025<\/th><\/tr><\/thead><tbody><tr><td>Bi\u00ean L\u00e3i Su\u1ea5t R\u00f2ng (NIM)<\/td><td>2,4% (c\u1ea3i thi\u1ec7n t\u1eeb 1,9%)<\/td><td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t 2,9-3,2% v\u00e0o n\u0103m 2025 d\u1ef1a tr\u00ean qu\u1ef9 \u0111\u1ea1o hi\u1ec7n t\u1ea1i<\/td><\/tr><tr><td>Ch\u1ea5t L\u01b0\u1ee3ng T\u00e0i S\u1ea3n<\/td><td>GNPA: 2,0%, NNPA: 0,8%<\/td><td>C\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ea1t 1,3% GNPA t\u1ed1t nh\u1ea5t ng\u00e0nh v\u00e0o n\u0103m 2025<\/td><\/tr><tr><td>T\u1ef7 L\u1ec7 \u0110\u1ee7 V\u1ed1n<\/td><td>17,8% (tr\u00ean y\u00eau c\u1ea7u 11,5%)<\/td><td>Cho ph\u00e9p kh\u1ea3 n\u0103ng cho vay th\u00eam \u20b912,000+ crore<\/td><\/tr><tr><td>T\u1ef7 L\u1ec7 Chi Ph\u00ed-Tr\u00ean-Thu Nh\u1eadp<\/td><td>49,3% (gi\u1ea3m t\u1eeb 56,7%)<\/td><td>Nh\u1eafm m\u1ee5c ti\u00eau d\u1eabn \u0111\u1ea7u ng\u00e0nh 41-43% v\u00e0o n\u0103m 2025<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch th\u00f4ng minh s\u1eed d\u1ee5ng ph\u00e2n t\u00edch t\u1ef7 l\u1ec7 \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec3m u\u1ed1n quan tr\u1ecdng: c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Yes Bank \u0111ang c\u1ea3i thi\u1ec7n v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea5p 2,3 l\u1ea7n so v\u1edbi gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 \u2013 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t m\u00e0 l\u1ecbch s\u1eed cho th\u1ea5y tr\u01b0\u1edbc s\u1ef1 \u0111\u1ecbnh gi\u00e1 l\u1ea1i \u0111\u00e1ng k\u1ec3. Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c \u0111\u1ed1i th\u1ee7 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh, h\u00e0nh tr\u00ecnh ph\u1ee5c h\u1ed3i c\u1ee7a Yes Bank t\u1ea1o ra ti\u1ec1m n\u0103ng r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng b\u1ea5t \u0111\u1ed1i x\u1ee9ng hi\u1ebfm khi th\u1ea5y \u1edf c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00e0nh l\u1eadp.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n T\u00edch Hi\u1ec7u Su\u1ea5t L\u1ecbch S\u1eed v\u00e0 \u00dd Ngh\u0129a C\u1ee7a N\u00f3<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1eef li\u1ec7u l\u1ecbch s\u1eed l\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a m\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n. H\u00e0nh \u0111\u1ed9ng gi\u00e1 c\u1ee7a Yes Bank t\u1eeb \u20b9404 v\u00e0o th\u00e1ng 8 n\u0103m 2018 \u0111\u1ebfn \u20b95,55 v\u00e0o th\u00e1ng 3 n\u0103m 2020 \u0111\u1ea1i di\u1ec7n cho s\u1ef1 gi\u1ea3m 98,6% \u2013 ti\u1ebfp theo l\u00e0 giai \u0111o\u1ea1n ph\u1ee5c h\u1ed3i 245%. S\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ef1c \u0111\u1ed9 n\u00e0y mang l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u1eb7c bi\u1ec7t kh\u00f4ng gi\u1ed1ng b\u1ea5t k\u1ef3 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng n\u00e0o kh\u00e1c, t\u1ea1o ra nh\u1eefng c\u00e2n nh\u1eafc \u0111\u1ed9c \u0111\u00e1o cho d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Nh\u1eefng \u0110i\u1ec3m Chuy\u1ec3n \u0110\u1ed5i Quan Tr\u1ecdng Trong H\u00e0nh Tr\u00ecnh c\u1ee7a Yes Bank<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ed1n kho\u1ea3nh kh\u1eafc quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh l\u1ea1i qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank, m\u1ed7i kho\u1ea3nh kh\u1eafc cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng v\u1ec1 hi\u1ec7u su\u1ea5t ti\u1ec1m n\u0103ng trong t\u01b0\u01a1ng lai c\u1ee7a n\u00f3:<\/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'>Ng\u00e0y 5 th\u00e1ng 3 n\u0103m 2020: K\u1ebf ho\u1ea1ch t\u00e1i c\u1ea5u tr\u00fac do RBI kh\u1edfi x\u01b0\u1edbng v\u1edbi s\u1ef1 b\u01a1m v\u1ed1n \u20b910,000 crore do SBI d\u1eabn \u0111\u1ea7u, thi\u1ebft l\u1eadp m\u1ed9t m\u1ee9c \u0111\u1ecbnh gi\u00e1 s\u00e0n ch\u01b0a \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m m\u1eb7c d\u00f9 c\u00f3 nhi\u1ec1u \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 15 th\u00e1ng 7 n\u0103m 2022: B\u1ed5 nhi\u1ec7m \u0111\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o m\u1edbi th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c \"3R\" (gi\u1ea3i quy\u1ebft, t\u00e1i x\u00e2y d\u1ef1ng, t\u00e1i t\u01b0\u1edfng t\u01b0\u1ee3ng) \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c 94% c\u00e1c m\u1ee5c ti\u00eau \u0111\u00e3 n\u00eau so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 61%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 29 th\u00e1ng 9 n\u0103m 2023: Chuy\u1ec3n h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 cho vay b\u00e1n l\u1ebb 60% (t\u1eeb 30%) \u0111\u1ed3ng th\u1eddi gi\u1ea3m chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng xu\u1ed1ng 42%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 18 th\u00e1ng 1 n\u0103m 2024: Gi\u1ea3i quy\u1ebft 63% c\u00e1c NPA k\u1ebf th\u1eeba tr\u1ecb gi\u00e1 kho\u1ea3ng \u20b98,300 crore, v\u01b0\u1ee3t qu\u00e1 th\u1eddi gian qu\u1ea3n l\u00fd c\u1ee7a ch\u00ednh m\u00ecnh 7 th\u00e1ng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n nh\u1eadn d\u1ea1ng m\u1eabu \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec3m t\u01b0\u01a1ng \u0111\u1ed3ng h\u1ea5p d\u1eabn: qu\u1ef9 \u0111\u1ea1o ph\u1ee5c h\u1ed3i c\u1ee7a Yes Bank cho th\u1ea5y s\u1ef1 t\u01b0\u01a1ng quan 78% v\u1edbi c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u kh\u00e1c cu\u1ed1i c\u00f9ng \u0111\u00e3 mang l\u1ea1i l\u1ee3i nhu\u1eadn 3-5 l\u1ea7n trong c\u00e1c khung th\u1eddi gian t\u01b0\u01a1ng \u0111\u01b0\u01a1ng. Khi c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ea1m \u0111\u00e1y \u1edf m\u1ee9c \u20b96,55 v\u00e0o th\u00e1ng 5 n\u0103m 2020, c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 ti\u00eau chu\u1ea9n \u0111\u00e3 d\u1ef1 \u0111o\u00e1n s\u1ef1 ph\u00e1 h\u1ee7y gi\u00e1 tr\u1ecb v\u0129nh vi\u1ec5n, b\u1ecf l\u1ee1 nh\u1eefng c\u1ea3i ti\u1ebfn c\u1ea5u tr\u00fac s\u1ebd th\u00fac \u0111\u1ea9y hi\u1ec7u su\u1ea5t sau \u0111\u00f3.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Giai \u0110o\u1ea1n L\u1ecbch S\u1eed<\/th><th>Ph\u00e1t Tri\u1ec3n Ch\u00ednh<\/th><th>B\u00e0i H\u1ecdc cho D\u1ef1 \u0110o\u00e1n 2025<\/th><\/tr><\/thead><tbody><tr><td>2019-2020<\/td><td>\u0110\u1ec9nh \u0111i\u1ec3m kh\u1ee7ng ho\u1ea3ng: Gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m 92% trong khi ti\u1ec1n g\u1eedi gi\u1ea3m 54%<\/td><td>Thi\u1ebft l\u1eadp s\u00e0n ki\u1ec3m tra c\u0103ng th\u1eb3ng th\u1ef1c s\u1ef1 \u0111\u00e3 gi\u1eef v\u1eefng m\u1eb7c d\u00f9 c\u00f3 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng sau \u0111\u00f3<\/td><\/tr><tr><td>2021-2022<\/td><td>T\u1ef7 l\u1ec7 CASA c\u1ea3i thi\u1ec7n t\u1eeb 26,1% l\u00ean 30,4%, ti\u1ec1n g\u1eedi b\u00e1n l\u1ebb t\u0103ng 109%<\/td><td>X\u00e1c nh\u1eadn kh\u1ea3 n\u0103ng c\u1ee7a qu\u1ea3n l\u00fd trong vi\u1ec7c x\u00e2y d\u1ef1ng l\u1ea1i ni\u1ec1m tin \u2013 y\u1ebfu t\u1ed1 v\u00f4 h\u00ecnh ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c n\u1eafm b\u1eaft trong c\u00e1c m\u00f4 h\u00ecnh ti\u00eau chu\u1ea9n<\/td><\/tr><tr><td>2023-2024<\/td><td>Kho\u1ea3n vay b\u00e1n l\u1ebb m\u1edf r\u1ed9ng 43%, giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1 t\u0103ng 267%<\/td><td>Ch\u1ee9ng minh s\u1ef1 chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh th\u00e0nh c\u00f4ng \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng cho s\u1ef1 t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 Ph\u00e2n T\u00edch K\u1ef9 Thu\u1eadt cho D\u1ef1 \u0110o\u00e1n C\u1ed5 Phi\u1ebfu Yes Bank 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n c\u00e1c chuy\u1ec3n \u0111\u1ed9ng gi\u00e1 trong t\u01b0\u01a1ng lai. Khi ki\u1ec3m tra c\u00e1c bi\u1ec3u \u0111\u1ed3 h\u00e0ng tu\u1ea7n th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option, m\u1ed9t m\u00f4 h\u00ecnh \u0111\u00e1y ba hi\u1ebfm khi \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn xu\u1ea5t hi\u1ec7n v\u1edbi c\u00e1c \u0111i\u1ec3m x\u00e1c nh\u1eadn t\u1ea1i \u20b911,20, \u20b912,35 v\u00e0 \u20b914,80. M\u00f4 h\u00ecnh n\u00e0y, k\u1ebft h\u1ee3p v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng gi\u00e1 li\u00ean t\u1ee5c (kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 73% v\u00e0o c\u00e1c ng\u00e0y t\u0103ng so v\u1edbi c\u00e1c ng\u00e0y gi\u1ea3m), b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng t\u00edch l\u0169y c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u th\u01b0\u1eddng b\u1ecb b\u1ecf qua trong ph\u00e2n t\u00edch ch\u00ednh th\u1ed1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>M\u00f4 H\u00ecnh Gi\u00e1 D\u00e0i H\u1ea1n v\u00e0 C\u00e1c M\u1ee9c Kh\u00e1ng C\u1ef1<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch bi\u1ec3u \u0111\u1ed3 n\u00e2ng cao s\u1eed d\u1ee5ng thang \u0111o logarit v\u00e0 c\u00e1c ch\u1ec9 b\u00e1o \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 m\u1ed9t s\u1ed1 m\u1ee9c gi\u00e1 quan tr\u1ecdng c\u00f3 kh\u1ea3 n\u0103ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank h\u01b0\u1edbng t\u1edbi n\u0103m 2025:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 ch\u00ednh: ph\u1ea1m vi \u20b922-24 (\u0111\u1ea1i di\u1ec7n cho s\u1ef1 tho\u00e1i lui Fibonacci 38,2% t\u1eeb m\u1ee9c cao n\u0103m 2018 v\u00e0 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n v\u1edbi \u00e1p l\u1ef1c b\u00e1n gi\u1ea3m d\u1ea7n)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng t\u00edch l\u0169y theo kh\u1ed1i l\u01b0\u1ee3ng gi\u1eefa \u20b912-16 n\u01a1i 42% kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trong 90 ng\u00e0y qua x\u1ea3y ra m\u1eb7c d\u00f9 ch\u1ec9 \u0111\u1ea1i di\u1ec7n cho 28% ph\u1ea1m vi gi\u00e1<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u1ec3u \u0111\u1ed3 h\u00e0ng th\u00e1ng th\u1ec3 hi\u1ec7n m\u00f4 h\u00ecnh c\u1ed1c v\u00e0 tay c\u1ea7m s\u00e1ch gi\u00e1o khoa k\u00e9o d\u00e0i 27 th\u00e1ng v\u1edbi s\u1ef1 b\u1ee9t ph\u00e1 \u0111\u01b0\u1eddng vi\u1ec1n c\u1ed5 t\u1ea1i \u20b919,80 d\u1ef1 b\u00e1o m\u1ee5c ti\u00eau t\u0103ng t\u1ed1i thi\u1ec3u l\u00e0 \u20b931,40<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft MACD t\u0103ng gi\u00e1 tr\u00ean khung th\u1eddi gian h\u00e0ng qu\u00fd \u2013 m\u1ed9t t\u00edn hi\u1ec7u \u0111\u00e3 \u0111i tr\u01b0\u1edbc c\u00e1c \u0111\u1ed9ng th\u00e1i l\u1edbn trong 83% c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 B\u00e1o K\u1ef9 Thu\u1eadt<\/th><th>\u0110\u1ecdc Hi\u1ec7n T\u1ea1i<\/th><th>H\u00e0m \u00dd Ti\u1ec1m N\u0103ng cho 2025<\/th><\/tr><\/thead><tbody><tr><td>\u0110\u01b0\u1eddng Trung B\u00ecnh \u0110\u1ed9ng 200 Tu\u1ea7n<\/td><td>\u20b915,32 (gi\u00e1 th\u1eed nghi\u1ec7m v\u1edbi \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng gi\u1ea3m 38%)<\/td><td>C\u01a1 s\u1edf ti\u1ec1m n\u0103ng cho \u0111\u1ee3t t\u0103ng gi\u00e1 b\u1ec1n v\u1eefng n\u1ebfu gi\u00e1 thi\u1ebft l\u1eadp tr\u00ean m\u1ee9c n\u00e0y trong 4+ tu\u1ea7n<\/td><\/tr><tr><td>Ch\u1ec9 S\u1ed1 S\u1ee9c M\u1ea1nh T\u01b0\u01a1ng \u0110\u1ed1i (H\u00e0ng Th\u00e1ng)<\/td><td>53,7 (t\u0103ng t\u1eeb 31,2 v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 t\u00edch c\u1ef1c)<\/td><td>C\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3 tr\u01b0\u1edbc khi \u0111\u1ea1t m\u1ee9c qu\u00e1 mua 70+<\/td><\/tr><tr><td>Xu H\u01b0\u1edbng Kh\u1ed1i L\u01b0\u1ee3ng<\/td><td>T\u0103ng 35% trong c\u00e1c ng\u00e0y kh\u1ed1i l\u01b0\u1ee3ng t\u00edch c\u1ef1c v\u1edbi t\u1ef7 l\u1ec7 kh\u1ed1i l\u01b0\u1ee3ng\/gi\u00e1 cao h\u01a1n 23%<\/td><td>M\u00f4 h\u00ecnh t\u00edch l\u0169y c\u1ed5 \u0111i\u1ec3n \u0111i tr\u01b0\u1edbc vi\u1ec7c x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf c\u1ee7a t\u1ed5 ch\u1ee9c<\/td><\/tr><tr><td>H\u00ecnh Th\u00e0nh M\u00f4 H\u00ecnh Gi\u00e1<\/td><td>\u0110\u1ea7u v\u00e0 vai ng\u01b0\u1ee3c (\u20b99,80, \u20b95,55, \u20b911,20) v\u1edbi 89% ho\u00e0n th\u00e0nh<\/td><td>D\u1ef1 b\u00e1o m\u1ee5c ti\u00eau k\u1ef9 thu\u1eadt l\u00e0 \u20b931,40 d\u1ef1a tr\u00ean bi\u00ean \u0111\u1ed9 m\u00f4 h\u00ecnh<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ed9 dao \u0111\u1ed9ng \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option k\u1ebft h\u1ee3p c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng theo kh\u1ed1i l\u01b0\u1ee3ng v\u1edbi c\u00e1c ch\u1ec9 b\u00e1o \u0111\u1ed9ng l\u01b0\u1ee3ng \u0111\u1ec3 l\u1ecdc nhi\u1ec5u th\u1ecb tr\u01b0\u1eddng. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y cho th\u1ea5y giai \u0111o\u1ea1n h\u1ee3p nh\u1ea5t hi\u1ec7n t\u1ea1i c\u1ee7a Yes Bank th\u1ec3 hi\u1ec7n c\u00f9ng m\u1ed9t ch\u1eef k\u00fd nh\u01b0 c\u00e1c giai \u0111o\u1ea1n t\u00edch l\u0169y tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 \u0111i tr\u01b0\u1edbc s\u1ef1 t\u0103ng gi\u00e1 \u0111\u00e1ng k\u1ec3 trong 76% c\u00e1c thi\u1ebft l\u1eadp k\u1ef9 thu\u1eadt t\u01b0\u01a1ng t\u1ef1. \u0110i\u1ec1u m\u00e0 h\u1ea7u h\u1ebft c\u00e1c nh\u00e0 ph\u00e2n t\u00edch b\u1ecf l\u1ee1 trong d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 l\u00e0 ch\u1ea5t l\u01b0\u1ee3ng mua so v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng b\u00e1n \u0111ang \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u quan tr\u1ecdng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 C\u01a1 B\u1ea3n \u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn \u0110\u1ecbnh Gi\u00e1 T\u01b0\u01a1ng Lai c\u1ee7a Yes Bank<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong khi ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 ti\u00eau \u0111\u1ec1, c\u00e1c thu\u1eadt to\u00e1n \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option x\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ec9 s\u1ed1 ph\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb d\u1ef1 \u0111o\u00e1n v\u01b0\u1ee3t tr\u1ed9i. V\u00ed d\u1ee5, vi\u1ec7c gi\u1ea3m chi ph\u00ed v\u1ed1n c\u1ee7a Yes Bank xu\u1ed1ng 37 \u0111i\u1ec3m c\u01a1 b\u1ea3n theo qu\u00fd v\u01b0\u1ee3t xa m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 12 \u0111i\u1ec3m c\u01a1 b\u1ea3n \u2013 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t m\u00e0 l\u1ecbch s\u1eed cho th\u1ea5y tr\u01b0\u1edbc s\u1ef1 m\u1edf r\u1ed9ng NIM t\u1eeb 9-14 th\u00e1ng v\u1edbi \u0111\u1ed9 tin c\u1eady 78%.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u00f3 m\u1ed1i t\u01b0\u01a1ng quan th\u1ed1ng k\u00ea \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh v\u1edbi \u0111\u1ecbnh gi\u00e1 ng\u00e2n h\u00e0ng trong t\u01b0\u01a1ng lai \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t khi ph\u00e1t tri\u1ec3n d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025:<\/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 C\u01a1 B\u1ea3n<\/th><th>Qu\u1ef9 \u0110\u1ea1o Hi\u1ec7n T\u1ea1i<\/th><th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng \u0110\u1ebfn N\u0103m 2025<\/th><\/tr><\/thead><tbody><tr><td>T\u0103ng Tr\u01b0\u1edfng T\u00edn D\u1ee5ng<\/td><td>T\u0103ng 17,2% YoY (cao h\u01a1n 3,7% so v\u1edbi trung b\u00ecnh ng\u00e0nh)<\/td><td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t 22-25% CAGR v\u1edbi ROA gia t\u0103ng ti\u1ec1m n\u0103ng 0,4-0,6%<\/td><\/tr><tr><td>C\u01a1 S\u1edf Ti\u1ec1n G\u1eedi<\/td><td>T\u1ef7 l\u1ec7 CASA c\u1ea3i thi\u1ec7n l\u00ean 31,8% (so v\u1edbi 25,4% hai n\u0103m tr\u01b0\u1edbc)<\/td><td>M\u1ed7i c\u1ea3i thi\u1ec7n 100bps th\u00fac \u0111\u1ea9y m\u1edf r\u1ed9ng NIM 7-9bps, nh\u1eafm m\u1ee5c ti\u00eau 40-45% CASA v\u00e0o n\u0103m 2025<\/td><\/tr><tr><td>S\u00e1ng Ki\u1ebfn Ng\u00e2n H\u00e0ng K\u1ef9 Thu\u1eadt S\u1ed1<\/td><td>\u0110\u1ea7u t\u01b0 \u20b91,250 crore mang l\u1ea1i ti\u1ebft ki\u1ec7m chi ph\u00ed 28% m\u1ed7i giao d\u1ecbch<\/td><td>C\u00e1ch ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng cho t\u1ef7 l\u1ec7 chi ph\u00ed-tr\u00ean-thu nh\u1eadp d\u1eabn \u0111\u1ea7u ng\u00e0nh 42-44%<\/td><\/tr><tr><td>Tu\u00e2n Th\u1ee7 Quy \u0110\u1ecbnh<\/td><td>C\u00e1c khung r\u1ee7i ro v\u01b0\u1ee3t qu\u00e1 y\u00eau c\u1ea7u c\u1ee7a RBI trung b\u00ecnh 115%<\/td><td>Ti\u1ec1m n\u0103ng ph\u00ea duy\u1ec7t quy \u0111\u1ecbnh cho c\u00e1c s\u00e1ng ki\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u0103ng t\u1ed1c v\u00e0o n\u0103m 2025<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e2n h\u00e0ng k\u1ef3 c\u1ef1u s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 so s\u00e1nh ch\u00e9o c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t ch\u1ea5t x\u00fac t\u00e1c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn: Yes Bank giao d\u1ecbch \u1edf m\u1ee9c 0,8 l\u1ea7n gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch m\u1eb7c d\u00f9 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 ho\u1eb7c v\u01b0\u1ee3t tr\u1ed9i so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 giao d\u1ecbch \u1edf m\u1ee9c 1,3-1,7 l\u1ea7n gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch. Kho\u1ea3ng c\u00e1ch \u0111\u1ecbnh gi\u00e1 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c thu h\u1eb9p trong 82% c\u00e1c t\u00ecnh hu\u1ed1ng l\u1ecbch s\u1eed t\u01b0\u01a1ng t\u1ef1 trong v\u00f2ng 18-36 th\u00e1ng, cho th\u1ea5y ti\u1ec1m n\u0103ng \u0111\u1ecbnh gi\u00e1 l\u1ea1i \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn n\u0103m 2025.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 Kinh T\u1ebf v\u00e0 \u0110\u1ed9ng L\u1ef1c Ng\u00e0nh Ng\u00e2n H\u00e0ng<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c xu h\u01b0\u1edbng v\u0129 m\u00f4 t\u1ea1o ra b\u1ed1i c\u1ea3nh m\u00e0 Yes Bank ph\u1ea3i th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a m\u00ecnh. B\u1ed1n bi\u1ebfn s\u1ed1 kinh t\u1ebf \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t trong b\u1ea5t k\u1ef3 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 to\u00e0n di\u1ec7n n\u00e0o:<\/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'>Qu\u1ef9 \u0111\u1ea1o l\u00e3i su\u1ea5t: NIM hi\u1ec7n t\u1ea1i l\u00e0 2,4% c\u00f3 ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng 65-80bps trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn so v\u1edbi 30-45bps cho c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n v\u1edbi b\u1ea3ng c\u00e2n \u0111\u1ed1i \u00edt linh ho\u1ea1t h\u01a1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng tr\u01b0\u1edfng c\u1ee5 th\u1ec3 theo ng\u00e0nh: Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb t\u0103ng tr\u01b0\u1edfng 21,3% mang l\u1ea1i l\u1ee3i th\u1ebf kh\u00f4ng c\u00e2n x\u1ee9ng cho Yes Bank v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebfp x\u00fac b\u00e1n l\u1ebb 60% so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 n\u1eb7ng v\u1ec1 doanh nghi\u1ec7p<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ea3nh quan c\u1ea1nh tranh: C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u1edbi chi\u1ebfm 14,2% th\u1ecb ph\u1ea7n nh\u01b0ng ch\u1ee7 y\u1ebfu trong thanh to\u00e1n, kh\u00f4ng ph\u1ea3i t\u00edn d\u1ee5ng \u2013 m\u00f4 h\u00ecnh lai c\u1ee7a Yes Bank \u0111\u1ecbnh v\u1ecb n\u00f3 m\u1ed9t c\u00e1ch \u0111\u1ed9c \u0111\u00e1o<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1ef1 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh: C\u00e1c s\u1eeda \u0111\u1ed5i Basel-III d\u1ef1 ki\u1ebfn t\u0103ng y\u00eau c\u1ea7u v\u1ed1n l\u00ean 150bps c\u00f3 th\u1ec3 t\u1ea1o c\u01a1 h\u1ed9i mua l\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n t\u1ed1t nh\u01b0 Yes Bank<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Kh\u1ea3 n\u0103ng m\u00f4 h\u00ecnh h\u00f3a kinh t\u1ebf d\u1ef1 \u0111o\u00e1n c\u1ee7a Pocket Option m\u1edf r\u1ed9ng v\u01b0\u1ee3t ra ngo\u00e0i c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn th\u00f4ng th\u01b0\u1eddng b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u thay th\u1ebf bao g\u1ed3m ph\u00e2n t\u00edch t\u00e2m l\u00fd, lu\u1ed3ng thanh to\u00e1n v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 chi ti\u00eau ti\u00eau d\u00f9ng \u0111\u1ed9c quy\u1ec1n. C\u00e1c c\u00f4ng c\u1ee5 n\u00e0y ti\u1ebft l\u1ed9 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n \u0111ang c\u1ee7ng c\u1ed1 trong c\u00e1c th\u1ecb tr\u01b0\u1eddng c\u1ed1t l\u00f5i c\u1ee7a Yes Bank m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c ch\u1ec9 s\u1ed1 kinh t\u1ebf truy\u1ec1n th\u1ed1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chuy\u1ec3n \u0110\u1ed5i K\u1ef9 Thu\u1eadt S\u1ed1 v\u00e0 \u00c1p D\u1ee5ng C\u00f4ng Ngh\u1ec7<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c c\u00f4ng ngh\u1ec7 c\u1ee7a Yes Bank tu\u00e2n theo c\u00e1ch ti\u1ebfp c\u1eadn \"\u01b0u ti\u00ean kh\u1ea3 n\u0103ng\" kh\u00e1c bi\u1ec7t thay v\u00ec m\u00f4 h\u00ecnh \"\u01b0u ti\u00ean k\u00eanh\" \u0111\u01b0\u1ee3c 73% \u0111\u1ed1i th\u1ee7 \u00e1p d\u1ee5ng. S\u1ef1 kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n n\u00e0y t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng ti\u1ec1m n\u0103ng hi\u1ebfm khi \u0111\u01b0\u1ee3c n\u1eafm b\u1eaft trong ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>S\u00e1ng Ki\u1ebfn C\u00f4ng Ngh\u1ec7<\/th><th>Tr\u1ea1ng Th\u00e1i Tri\u1ec3n Khai Hi\u1ec7n T\u1ea1i<\/th><th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng \u0110\u1ebfn N\u0103m 2025<\/th><\/tr><\/thead><tbody><tr><td>Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng D\u1ef1a Tr\u00ean AI<\/td><td>Tri\u1ec3n khai tr\u00ean danh m\u1ee5c b\u00e1n l\u1ebb gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 42%<\/td><td>L\u1ee3i th\u1ebf chi ph\u00ed t\u00edn d\u1ee5ng ti\u1ec1m n\u0103ng 75-90bps so v\u1edbi c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/td><\/tr><tr><td>Blockchain cho T\u00e0i Ch\u00ednh Th\u01b0\u01a1ng M\u1ea1i<\/td><td>13 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch \u20b91,780 crore<\/td><td>L\u1ee3i th\u1ebf ng\u01b0\u1eddi \u0111i \u0111\u1ea7u trong th\u1ecb tr\u01b0\u1eddng \u20b98,2 ngh\u00ecn t\u1ef7 t\u0103ng tr\u01b0\u1edfng 18,2% CAGR<\/td><\/tr><tr><td>H\u1ec7 Sinh Th\u00e1i Ng\u00e2n H\u00e0ng API<\/td><td>302 API ho\u1ea1t \u0111\u1ed9ng t\u1ea1o ra thu nh\u1eadp ph\u00ed \u20b9430 crore<\/td><td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t \u20b91,850-2,200 crore v\u00e0o n\u0103m 2025 (18-22% thu nh\u1eadp ph\u00ed)<\/td><\/tr><tr><td>C\u01a1 S\u1edf H\u1ea1 T\u1ea7ng \u0110\u00e1m M\u00e2y<\/td><td>43% \u1ee9ng d\u1ee5ng \u0111\u00e3 di chuy\u1ec3n v\u1edbi hi\u1ec7u qu\u1ea3 chi ph\u00ed t\u0103ng 29%<\/td><td>Di chuy\u1ec3n ho\u00e0n to\u00e0n nh\u1eafm m\u1ee5c ti\u00eau gi\u1ea3m 31-35% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng CNTT<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 s\u1eed d\u1ee5ng c\u00e1c khung m\u00f4 h\u00ecnh ROI c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t hi\u1ec3u bi\u1ebft quan tr\u1ecdng: chi ti\u00eau c\u00f4ng ngh\u1ec7 c\u1ee7a Yes Bank mang l\u1ea1i s\u1ef1 c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 1,4 l\u1ea7n m\u1ed7i rupee \u0111\u1ea7u t\u01b0 so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n \u2013 ch\u1ee7 y\u1ebfu v\u00ec h\u1ecd \u0111ang x\u00e2y d\u1ef1ng tr\u00ean ki\u1ebfn tr\u00fac hi\u1ec7n \u0111\u1ea1i thay v\u00ec v\u00e1 c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf th\u1eeba. S\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 hi\u1ec7u qu\u1ea3 n\u00e0y c\u1ed9ng d\u1ed3n h\u00e0ng n\u0103m, c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o ra l\u1ee3i th\u1ebf chi ph\u00ed b\u1ec1n v\u1eefng v\u00e0o n\u0103m 2025 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c \u0111\u1ecbnh gi\u00e1 hi\u1ec7n t\u1ea1i.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>\u0110\u00e1nh Gi\u00e1 R\u1ee7i Ro cho Yes Bank \u0110\u1ebfn N\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ea5t k\u1ef3 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 c\u00f3 tr\u00e1ch nhi\u1ec7m n\u00e0o c\u0169ng ph\u1ea3i t\u00ednh \u0111\u1ebfn nh\u1eefng th\u00e1ch th\u1ee9c ti\u1ec1m n\u0103ng b\u00ean c\u1ea1nh c\u00e1c c\u01a1 h\u1ed9i. B\u1ed1n lo\u1ea1i r\u1ee7i ro c\u1ee5 th\u1ec3 \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t:<\/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'>S\u1ef1 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh: Kh\u1ea3 n\u0103ng t\u0103ng y\u00eau c\u1ea7u v\u1ed1n t\u1ed1i thi\u1ec3u l\u00ean 150-200bps theo c\u00e1c s\u1eeda \u0111\u1ed5i Basel-III \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t, m\u1eb7c d\u00f9 CAR hi\u1ec7n t\u1ea1i c\u1ee7a Yes Bank l\u00e0 17,8% cung c\u1ea5p \u0111\u1ec7m \u0111\u00e1ng k\u1ec3<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1ef1 gi\u00e1n \u0111o\u1ea1n c\u1ea1nh tranh: C\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 k\u1ef9 thu\u1eadt s\u1ed1 thu h\u00fat kh\u00e1ch h\u00e0ng v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n 32%, m\u1eb7c d\u00f9 h\u1ecd g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c b\u00e1n ch\u00e9o v\u00e0 \u0111\u1ed9 s\u00e2u m\u1ed1i quan h\u1ec7 n\u01a1i Yes Bank xu\u1ea5t s\u1eafc<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chu k\u1ef3 kinh t\u1ebf: Chi ph\u00ed t\u00edn d\u1ee5ng th\u01b0\u1eddng t\u0103ng 80-130bps trong th\u1eddi k\u1ef3 suy tho\u00e1i, m\u1eb7c d\u00f9 danh m\u1ee5c cho vay t\u1eadp trung v\u00e0o b\u00e1n l\u1ebb c\u1ee7a Yes Bank cho th\u1ea5y t\u00ednh chu k\u1ef3 th\u1ea5p h\u01a1n 42% so v\u1edbi cho vay doanh nghi\u1ec7p<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u1ef1c hi\u1ec7n c\u00f4ng ngh\u1ec7: D\u1eef li\u1ec7u ng\u00e0nh cho th\u1ea5y 43% c\u00e1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea1t m\u1ee5c ti\u00eau ROI, m\u1eb7c d\u00f9 c\u00e1ch ti\u1ebfp c\u1eadn m\u00f4-\u0111un c\u1ee7a Yes Bank gi\u1ea3m thi\u1ec3u r\u1ee7i ro tri\u1ec3n khai<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi suy ngh\u0129 th\u00f4ng th\u01b0\u1eddng, c\u00e1c nh\u00e0 ph\u00e2n t\u00edch r\u1ee7i ro s\u1eed d\u1ee5ng kh\u1ea3 n\u0103ng m\u00f4 h\u00ecnh h\u00f3a k\u1ecbch b\u1ea3n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t l\u1ee3i th\u1ebf ng\u01b0\u1ee3c: b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u01b0\u01a1ng \u0111\u1ed1i nh\u1ecf h\u01a1n c\u1ee7a Yes Bank (\u20b93,3 ngh\u00ecn t\u1ef7 so v\u1edbi \u20b912-18 ngh\u00ecn t\u1ef7 cho c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n) cho ph\u00e9p c\u00e1c tr\u1ee5c chi\u1ebfn l\u01b0\u1ee3c nhanh h\u01a1n trong th\u1eddi k\u1ef3 gi\u00e1n \u0111o\u1ea1n th\u1ecb tr\u01b0\u1eddng. L\u1ee3i th\u1ebf nhanh nh\u1eb9n n\u00e0y \u0111\u00e3 mang l\u1ea1i hi\u1ec7u su\u1ea5t v\u01b0\u1ee3t tr\u1ed9i 14-22% trong c\u00e1c giai \u0111o\u1ea1n c\u0103ng th\u1eb3ng th\u1ecb tr\u01b0\u1eddng cho c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 Gi\u1ea3m Thi\u1ec3u v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh Chi\u1ebfn L\u01b0\u1ee3c<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Yes Bank \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u r\u1ee7i ro c\u1ee5 th\u1ec3 nh\u1eb1m c\u1ee7ng c\u1ed1 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a m\u00ecnh:<\/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 R\u1ee7i Ro<\/th><th>Chi\u1ebfn L\u01b0\u1ee3c Gi\u1ea3m Thi\u1ec3u<\/th><th>S\u1ed1 Li\u1ec7u Hi\u1ec7u Qu\u1ea3<\/th><\/tr><\/thead><tbody><tr><td>D\u1ec5 T\u1ed5n Th\u01b0\u01a1ng Ch\u1ea5t L\u01b0\u1ee3ng T\u00e0i S\u1ea3n<\/td><td>H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o s\u1edbm v\u1edbi m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 69 tham s\u1ed1<\/td><td>N\u1eafm b\u1eaft 93% t\u00e0i kho\u1ea3n c\u0103ng th\u1eb3ng v\u1edbi t\u1ef7 l\u1ec7 kh\u1eafc ph\u1ee5c th\u00e0nh c\u00f4ng 78%<\/td><\/tr><tr><td>Bi\u1ebfn \u0110\u1ed9ng V\u1ed1n<\/td><td>Chuy\u1ec3n h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c sang ti\u1ec1n g\u1eedi b\u00e1n l\u1ebb \u1ed5n \u0111\u1ecbnh (t\u0103ng 27% YoY)<\/td><td>Gi\u1ea3m bi\u1ebfn \u0111\u1ed9ng chi ph\u00ed v\u1ed1n 67% so v\u1edbi tr\u01b0\u1edbc t\u00e1i c\u1ea5u tr\u00fac<\/td><\/tr><tr><td>R\u1ee7i Ro Tri\u1ec3n Khai C\u00f4ng Ngh\u1ec7<\/td><td>Ph\u01b0\u01a1ng ph\u00e1p lu\u1eadn linh ho\u1ea1t v\u1edbi chu k\u1ef3 ph\u00e1t h\u00e0nh hai tu\u1ea7n<\/td><td>Gi\u1ea3m t\u1ef7 l\u1ec7 th\u1ea5t b\u1ea1i d\u1ef1 \u00e1n t\u1eeb 31% xu\u1ed1ng 12% v\u00e0 t\u0103ng giao h\u00e0ng \u0111\u00fang h\u1ea1n 38%<\/td><\/tr><tr><td>\u00c1p L\u1ef1c Th\u1ecb Ph\u1ea7n<\/td><td>Quan h\u1ec7 \u0111\u1ed1i t\u00e1c fintech chi\u1ebfn l\u01b0\u1ee3c t\u1ea1o ra ph\u00e2n ph\u1ed1i m\u1edf r\u1ed9ng<\/td><td>T\u1ea1o ra 8,3% kh\u00e1ch h\u00e0ng m\u1edbi v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 41%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Quan \u0110i\u1ec3m Chuy\u00ean Gia v\u1ec1 D\u1ef1 \u0110o\u00e1n C\u1ed5 Phi\u1ebfu Yes Bank 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u00dd ki\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1ed5 ch\u1ee9c v\u1ec1 Yes Bank tr\u1ea3i d\u00e0i tr\u00ean m\u1ed9t ph\u1ed5 r\u1ed9ng, nh\u01b0ng m\u1ed9t s\u1ed1 quan \u0111i\u1ec3m b\u1ecb b\u1ecf qua \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd. Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi s\u1ef1 \u0111\u1ed3ng thu\u1eadn ch\u00ednh th\u1ed1ng, c\u00e1c chuy\u00ean gia trong c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng l\u01b0u \u00fd r\u1eb1ng nh\u1eefng c\u1ea3i ti\u1ebfn sau t\u00e1i c\u1ea5u tr\u00fac c\u1ee7a Yes Bank \u0111ang di\u1ec5n ra v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea5p 1,7 l\u1ea7n so v\u1edbi c\u00e1c v\u00ed d\u1ee5 l\u1ecbch s\u1eed t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng t\u0103ng t\u1ed1c trong c\u00e1c chu k\u1ef3 ph\u1ee5c h\u1ed3i n\u0103m 3-5.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia \u0111\u1ecbnh l\u01b0\u1ee3ng s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 c\u1ee7a Pocket Option d\u1ef1 b\u00e1o gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch c\u01a1 b\u1ea3n l\u00e0 \u20b928,40 m\u1ed7i c\u1ed5 phi\u1ebfu v\u00e0o n\u0103m 2025, \u0111\u1ea1i di\u1ec7n cho gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch g\u1ea5p 2,3 l\u1ea7n d\u1ef1a tr\u00ean ph\u00e2n t\u00edch \u0111\u1ed1i th\u1ee7. \u0110i\u1ec1u n\u00e0y chuy\u1ec3n th\u00e0nh ph\u1ea1m vi gi\u00e1 m\u1ee5c ti\u00eau t\u1eeb \u20b965,30-\u20b973,80. Tuy nhi\u00ean, m\u1ed9t tr\u01b0\u1eddng h\u1ee3p t\u0103ng gi\u00e1 \u00edt \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn xu\u1ea5t hi\u1ec7n n\u1ebfu chi ph\u00ed t\u00edn d\u1ee5ng duy tr\u00ec d\u01b0\u1edbi 100bps v\u00e0 t\u0103ng tr\u01b0\u1edfng cho vay v\u01b0\u1ee3t qu\u00e1 20% CAGR \u2013 c\u00f3 kh\u1ea3 n\u0103ng mang l\u1ea1i gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch l\u00e0 \u20b933,50 v\u00e0 c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 t\u1eeb \u20b984,90-\u20b997,20.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00f3 l\u1ebd th\u00fa v\u1ecb nh\u1ea5t l\u00e0 lu\u1eadn \u0111i\u1ec3m tr\u00e1i ng\u01b0\u1ee3c r\u1eb1ng b\u1ea3ng c\u00e2n \u0111\u1ed1i \"kh\u1edfi \u0111\u1ea7u m\u1edbi\" c\u1ee7a Yes Bank mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ea5u tr\u00fac so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 mang t\u00e0i s\u1ea3n k\u1ebf th\u1eeba v\u00e0o m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf c\u00f3 kh\u1ea3 n\u0103ng th\u00e1ch th\u1ee9c. Quan \u0111i\u1ec3m n\u00e0y th\u00e1ch th\u1ee9c s\u1ef1 kh\u00f4n ngoan th\u00f4ng th\u01b0\u1eddng r\u1eb1ng quy m\u00f4 nh\u1ea5t thi\u1ebft ph\u1ea3i b\u1eb1ng an to\u00e0n trong ng\u00e2n h\u00e0ng \u2013 ph\u00e2n t\u00edch l\u1ecbch s\u1eed cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 trung b\u00ecnh v\u1edbi b\u1ea3ng c\u00e2n \u0111\u1ed1i s\u1ea1ch \u0111\u00e3 v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n 35-47% trong c\u00e1c giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i chu k\u1ef3 t\u00edn d\u1ee5ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 cho C\u00e1c Khung Th\u1eddi Gian Kh\u00e1c Nhau<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 hi\u1ec7u qu\u1ea3 ph\u1ea3i chuy\u1ec3n th\u00e0nh c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh cho c\u00e1c h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 khung th\u1eddi gian kh\u00e1c nhau:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Khung Th\u1eddi Gian \u0110\u1ea7u T\u01b0<\/th><th>Th\u00e0nh Ph\u1ea7n Chi\u1ebfn L\u01b0\u1ee3c<\/th><th>Khung Qu\u1ea3n L\u00fd R\u1ee7i Ro<\/th><\/tr><\/thead><tbody><tr><td>Ng\u1eafn h\u1ea1n (3-6 th\u00e1ng)<\/td><td>Nh\u1eadp t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt ch\u00ednh (\u20b914,80, \u20b916,40) v\u1edbi s\u1ef1 li\u00ean k\u1ebft ch\u1ea5t x\u00fac t\u00e1c<\/td><td>D\u1eebng c\u1ee9ng \u1edf m\u1ee9c 8-12% d\u01b0\u1edbi m\u1ee9c nh\u1eadp, t\u1ef7 l\u1ec7 r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng t\u1ed1i thi\u1ec3u 1:2, d\u1eebng th\u1eddi gian 30 ng\u00e0y<\/td><\/tr><tr><td>Trung h\u1ea1n (6-18 th\u00e1ng)<\/td><td>Chi\u1ebfn l\u01b0\u1ee3c nh\u1eadp quy m\u00f4 v\u1edbi v\u1ecb tr\u00ed c\u1ed1t l\u00f5i 40%, 60% tr\u00ean c\u00e1c \u0111\u1ee3t gi\u1ea3m gi\u00e1 5-8%<\/td><td>K\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 2-3% danh m\u1ee5c \u0111\u1ea7u t\u01b0, \u0111\u00e1nh gi\u00e1 l\u1ea1i h\u00e0ng qu\u00fd g\u1eafn li\u1ec1n v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 NIM\/GNPA<\/td><\/tr><tr><td>D\u00e0i h\u1ea1n (18+ th\u00e1ng h\u01b0\u1edbng t\u1edbi 2025)<\/td><td>\u0110\u1ea7u t\u01b0 c\u00f3 h\u1ec7 th\u1ed1ng g\u1eafn li\u1ec1n v\u1edbi x\u00e1c minh t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp<\/td><td>C\u00e1ch ti\u1ebfp c\u1eadn l\u00f5i-v\u1ec7 tinh: ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c 60%, kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn thu\u1eadt 40%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 giao d\u1ecbch chuy\u00ean nghi\u1ec7p s\u1eed d\u1ee5ng khung ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn lai t\u1ed1i \u01b0u: thi\u1ebft l\u1eadp c\u00e1c v\u1ecb tr\u00ed c\u1ed1t l\u00f5i d\u1ef1a tr\u00ean c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 c\u01a1 b\u1ea3n trong khi s\u1eed d\u1ee5ng ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a th\u1eddi gian nh\u1eadp. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y \u0111\u00e3 gi\u1ea3m chi ph\u00ed nh\u1eadp trung b\u00ecnh 8-12% tr\u00ean c\u00e1c c\u01a1 h\u1ed9i ng\u00e0nh ng\u00e2n h\u00e0ng t\u01b0\u01a1ng t\u1ef1 trong khi duy tr\u00ec to\u00e0n b\u1ed9 kh\u1ea3 n\u0103ng ti\u1ebfp x\u00fac v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 d\u00e0i h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u00e2n Nh\u1eafc T\u00edch H\u1ee3p Danh M\u1ee5c \u0110\u1ea7u T\u01b0<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Yes Bank \u0111\u00f2i h\u1ecfi s\u1ef1 t\u00edch h\u1ee3p danh m\u1ee5c \u0111\u1ea7u t\u01b0 chu \u0111\u00e1o:<\/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'>Ph\u00e2n t\u00edch t\u01b0\u01a1ng quan cho th\u1ea5y h\u1ec7 s\u1ed1 0,73 v\u1edbi ch\u1ec9 s\u1ed1 ng\u00e2n h\u00e0ng so v\u1edbi ch\u1ec9 0,57 cho c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng nghi\u1ec7p, cho th\u1ea5y \u0111\u1ed9ng l\u1ef1c ng\u00e0nh m\u1ea1nh h\u01a1n \u1ea3nh h\u01b0\u1edfng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1eadt to\u00e1n \u0111\u1ecbnh c\u1ee1 v\u1ecb tr\u00ed t\u1ed1i \u01b0u \u0111\u1ec1 xu\u1ea5t ph\u00e2n b\u1ed5 2-5% cho c\u00e1c h\u1ed3 s\u01a1 r\u1ee7i ro v\u1eeba ph\u1ea3i, m\u1edf r\u1ed9ng l\u00ean 5-8% cho c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 h\u1ed9i giao d\u1ecbch c\u1eb7p t\u1ed3n t\u1ea1i v\u1edbi c\u00e1c \u0111\u1ed3ng nghi\u1ec7p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 qu\u00e1 cao (nh\u1eefng ng\u01b0\u1eddi giao d\u1ecbch &gt;2x P\/B v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng k\u00e9m h\u01a1n)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t n\u00ean s\u1eed d\u1ee5ng Ch\u1ec9 s\u1ed1 Nifty Bank Equal Weight thay v\u00ec c\u00e1c ch\u1ec9 s\u1ed1 c\u00f3 tr\u1ecdng s\u1ed1 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 chu\u1ea9n h\u00f3a \u0111\u1ed9 l\u1ec7ch k\u00edch th\u01b0\u1edbc<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 tinh vi nh\u1eadn ra r\u1eb1ng d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 \u0111\u1ea1i di\u1ec7n cho nhi\u1ec1u h\u01a1n ch\u1ec9 l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ed9c l\u1eadp \u2013 n\u00f3 mang l\u1ea1i l\u1ee3i \u00edch \u0111a d\u1ea1ng h\u00f3a c\u00f3 gi\u00e1 tr\u1ecb b\u1eb1ng c\u00e1ch cung c\u1ea5p kh\u1ea3 n\u0103ng ti\u1ebfp x\u00fac v\u1edbi ch\u1ee7 \u0111\u1ec1 ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 b\u1ea5t \u0111\u1ed1i x\u1ee9ng. C\u00e1c c\u00f4ng c\u1ee5 ma tr\u1eadn t\u01b0\u01a1ng quan c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 r\u1eb1ng c\u1ed5 phi\u1ebfu Yes Bank \u0111\u00e3 mang l\u1ea1i l\u1ee3i nhu\u1eadn t\u00edch c\u1ef1c trong 63% c\u00e1c giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng trong 12 th\u00e1ng qua \u2013 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m b\u1ea5t th\u01b0\u1eddng \u0111\u00e1ng xem x\u00e9t cho ph\u00e2n b\u1ed5 ph\u00f2ng th\u1ee7.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn: \u0110i\u1ec1u H\u01b0\u1edbng Con \u0110\u01b0\u1eddng \u0110\u1ebfn N\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 tr\u00ecnh b\u00e0y m\u1ed9t nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p h\u1ea5p d\u1eabn v\u1ec1 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a t\u1ed5 ch\u1ee9c v\u00e0 t\u00e1i \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c. S\u1ef1 chuy\u1ec3n \u0111\u1ed5i c\u1ee7a ng\u00e2n h\u00e0ng t\u1eeb vi\u1ec7c mang g\u00e1nh n\u1eb7ng NPA 12,9% \u0111\u1ebfn \u0111\u1ea1t m\u1ee9c 2,0% trong khi \u0111\u1ed3ng th\u1eddi t\u0103ng tr\u01b0\u1edfng s\u1ed5 cho vay 17,2% \u0111\u1ea1i di\u1ec7n cho s\u1ef1 xu\u1ea5t s\u1eafc trong th\u1ef1c thi v\u01b0\u1ee3t qu\u00e1 84% c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng. Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt ti\u1ebft l\u1ed9 kh\u1ea3 n\u0103ng x\u00e1c nh\u1eadn \u0111\u00e1y ba t\u1ea1i \u20b914,80 v\u1edbi c\u00e1c m\u1ee5c ti\u00eau t\u0103ng gi\u00e1 \u0111o l\u01b0\u1eddng l\u00e0 \u20b921,40, \u20b927,80 v\u00e0 \u20b934,60 d\u1ef1a tr\u00ean c\u00e1c m\u1ee9c m\u1edf r\u1ed9ng Fibonacci.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ebfp c\u1eadn c\u01a1 h\u1ed9i n\u00e0y n\u00ean nh\u1eadn ra c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng \u0111\u1eb7c bi\u1ec7t c\u1ee7a n\u00f3. Qu\u1ef9 \u0111\u1ea1o ph\u1ee5c h\u1ed3i c\u1ee7a ng\u00e2n h\u00e0ng mang l\u1ea1i ti\u1ec1m n\u0103ng t\u1ea1o ra gi\u00e1 tr\u1ecb \u0111\u00e1ng k\u1ec3 n\u1ebfu th\u1ef1c thi ti\u1ebfp t\u1ee5c nh\u01b0 \u0111\u00e3 ch\u1ee9ng minh, v\u1edbi c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 cho th\u1ea5y ti\u1ec1m n\u0103ng gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch g\u1ea5p 2,3 l\u1ea7n v\u00e0o n\u0103m 2025 (m\u1ee5c ti\u00eau gi\u00e1 \u20b965,30-\u20b973,80 trong tr\u01b0\u1eddng h\u1ee3p c\u01a1 b\u1ea3n). Tuy nhi\u00ean, c\u01a1 h\u1ed9i n\u00e0y \u0111i k\u00e8m v\u1edbi c\u00e1c r\u1ee7i ro th\u1ef1c thi c\u1ee5 th\u1ec3 xung quanh tri\u1ec3n khai c\u00f4ng ngh\u1ec7, \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh v\u00e0 c\u00e1c c\u01a1n gi\u00f3 kinh t\u1ebf ti\u1ec1m n\u0103ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ed9 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u1ee7a Pocket Option cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eefng l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o khi \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng c\u1ee7a Yes Bank. C\u00e1c thu\u1eadt to\u00e1n ph\u00e1t hi\u1ec7n t\u00edn hi\u1ec7u \u0111\u1ed9c quy\u1ec1n c\u1ee7a n\u1ec1n t\u1ea3ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eabu kh\u1ed1i l\u01b0\u1ee3ng c\u1ee5 th\u1ec3 cho th\u1ea5y s\u1ef1 t\u00edch l\u0169y c\u1ee7a t\u1ed5 ch\u1ee9c ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch. \u0110\u00e1ng ch\u00fa \u00fd nh\u1ea5t, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c c\u1ea3i ti\u1ebfn ho\u1ea1t \u0111\u1ed9ng v\u00e0 hi\u1ec7u su\u1ea5t gi\u00e1 c\u1ed5 phi\u1ebfu \u0111\u00e3 \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 \u0111i tr\u01b0\u1edbc c\u00e1c \u0111\u1ecbnh gi\u00e1 l\u1ea1i l\u1edbn trong 79% c\u00e1c t\u00ecnh hu\u1ed1ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u01b0 v\u1edbi b\u1ea5t k\u1ef3 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 chuy\u1ec3n \u0111\u1ed5i n\u00e0o, th\u00e0nh c\u00f4ng s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c duy tr\u00ec ph\u00e2n t\u00edch c\u00f3 k\u1ef7 lu\u1eadt c\u00f9ng v\u1edbi qu\u1ea3n l\u00fd r\u1ee7i ro th\u00edch h\u1ee3p. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch tinh vi v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c tri\u1ec3n khai, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb m\u00ecnh \u0111\u1ec3 c\u00f3 kh\u1ea3 n\u0103ng h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 ph\u00e1t tri\u1ec3n li\u00ean t\u1ee5c c\u1ee7a Yes Bank trong khi b\u1ea3o v\u1ec7 v\u1ed1n th\u00f4ng qua c\u00e1c gi\u1edbi h\u1ea1n ti\u1ebfp x\u00fac \u0111\u01b0\u1ee3c c\u1ea5u tr\u00fac \u0111\u00fang c\u00e1ch, th\u1eddi gian nh\u1eadp v\u00e0 x\u00e1c nh\u1eadn lu\u1eadn \u0111i\u1ec3m li\u00ean t\u1ee5c.<\/p><\/div>[cta_button text=\"\"]","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'>Hi\u1ec3u V\u1ecb Th\u1ebf Hi\u1ec7n T\u1ea1i c\u1ee7a Yes Bank<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>S\u1ef1 chuy\u1ec3n \u0111\u1ed5i \u0111\u00e1ng ch\u00fa \u00fd c\u1ee7a Yes Bank \u0111\u00e3 bi\u1ebfn n\u00f3 t\u1eeb m\u1ed9t c\u00e2u chuy\u1ec7n c\u1ea3nh b\u00e1o th\u00e0nh m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 ti\u1ec1m n\u0103ng, khi\u1ebfn d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 \u0111\u1eb7c bi\u1ec7t c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn xa. Sau khi v\u01b0\u1ee3t qua cu\u1ed9c kh\u1ee7ng ho\u1ea3ng ng\u00e2n h\u00e0ng n\u0103m 2020 khi\u1ebfn gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 s\u1ee5p \u0111\u1ed5 92%, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c ph\u1ee5c h\u1ed3i c\u00f3 k\u1ef7 lu\u1eadt. K\u1ebft qu\u1ea3 qu\u00fd g\u1ea7n \u0111\u00e2y cho th\u1ea5y l\u1ee3i nhu\u1eadn t\u0103ng 47% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc c\u00f9ng v\u1edbi vi\u1ec7c gi\u1ea3m NPA t\u1eeb 12,9% xu\u1ed1ng ch\u1ec9 c\u00f2n 2,0% \u2013 t\u1ef7 l\u1ec7 ph\u1ee5c h\u1ed3i v\u01b0\u1ee3t qu\u00e1 84% so v\u1edbi c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng t\u01b0\u01a1ng t\u1ef1 tr\u00ean to\u00e0n c\u1ea7u.<\/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 Hi\u1ec7u Su\u1ea5t Ch\u00ednh<\/th>\n<th>Tr\u1ea1ng Th\u00e1i Hi\u1ec7n T\u1ea1i<\/th>\n<th>M\u1ee9c \u0110\u1ed9 Li\u00ean Quan cho D\u1ef1 \u0110o\u00e1n 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bi\u00ean L\u00e3i Su\u1ea5t R\u00f2ng (NIM)<\/td>\n<td>2,4% (c\u1ea3i thi\u1ec7n t\u1eeb 1,9%)<\/td>\n<td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t 2,9-3,2% v\u00e0o n\u0103m 2025 d\u1ef1a tr\u00ean qu\u1ef9 \u0111\u1ea1o hi\u1ec7n t\u1ea1i<\/td>\n<\/tr>\n<tr>\n<td>Ch\u1ea5t L\u01b0\u1ee3ng T\u00e0i S\u1ea3n<\/td>\n<td>GNPA: 2,0%, NNPA: 0,8%<\/td>\n<td>C\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ea1t 1,3% GNPA t\u1ed1t nh\u1ea5t ng\u00e0nh v\u00e0o n\u0103m 2025<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 L\u1ec7 \u0110\u1ee7 V\u1ed1n<\/td>\n<td>17,8% (tr\u00ean y\u00eau c\u1ea7u 11,5%)<\/td>\n<td>Cho ph\u00e9p kh\u1ea3 n\u0103ng cho vay th\u00eam \u20b912,000+ crore<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 L\u1ec7 Chi Ph\u00ed-Tr\u00ean-Thu Nh\u1eadp<\/td>\n<td>49,3% (gi\u1ea3m t\u1eeb 56,7%)<\/td>\n<td>Nh\u1eafm m\u1ee5c ti\u00eau d\u1eabn \u0111\u1ea7u ng\u00e0nh 41-43% v\u00e0o n\u0103m 2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch th\u00f4ng minh s\u1eed d\u1ee5ng ph\u00e2n t\u00edch t\u1ef7 l\u1ec7 \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec3m u\u1ed1n quan tr\u1ecdng: c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Yes Bank \u0111ang c\u1ea3i thi\u1ec7n v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea5p 2,3 l\u1ea7n so v\u1edbi gi\u00e1 c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 \u2013 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t m\u00e0 l\u1ecbch s\u1eed cho th\u1ea5y tr\u01b0\u1edbc s\u1ef1 \u0111\u1ecbnh gi\u00e1 l\u1ea1i \u0111\u00e1ng k\u1ec3. Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c \u0111\u1ed1i th\u1ee7 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh, h\u00e0nh tr\u00ecnh ph\u1ee5c h\u1ed3i c\u1ee7a Yes Bank t\u1ea1o ra ti\u1ec1m n\u0103ng r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng b\u1ea5t \u0111\u1ed1i x\u1ee9ng hi\u1ebfm khi th\u1ea5y \u1edf c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng \u0111\u00e3 th\u00e0nh l\u1eadp.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n T\u00edch Hi\u1ec7u Su\u1ea5t L\u1ecbch S\u1eed v\u00e0 \u00dd Ngh\u0129a C\u1ee7a N\u00f3<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1eef li\u1ec7u l\u1ecbch s\u1eed l\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a m\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n. H\u00e0nh \u0111\u1ed9ng gi\u00e1 c\u1ee7a Yes Bank t\u1eeb \u20b9404 v\u00e0o th\u00e1ng 8 n\u0103m 2018 \u0111\u1ebfn \u20b95,55 v\u00e0o th\u00e1ng 3 n\u0103m 2020 \u0111\u1ea1i di\u1ec7n cho s\u1ef1 gi\u1ea3m 98,6% \u2013 ti\u1ebfp theo l\u00e0 giai \u0111o\u1ea1n ph\u1ee5c h\u1ed3i 245%. S\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ef1c \u0111\u1ed9 n\u00e0y mang l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u1eb7c bi\u1ec7t kh\u00f4ng gi\u1ed1ng b\u1ea5t k\u1ef3 c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng n\u00e0o kh\u00e1c, t\u1ea1o ra nh\u1eefng c\u00e2n nh\u1eafc \u0111\u1ed9c \u0111\u00e1o cho d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Nh\u1eefng \u0110i\u1ec3m Chuy\u1ec3n \u0110\u1ed5i Quan Tr\u1ecdng Trong H\u00e0nh Tr\u00ecnh c\u1ee7a Yes Bank<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1ed1n kho\u1ea3nh kh\u1eafc quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh l\u1ea1i qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank, m\u1ed7i kho\u1ea3nh kh\u1eafc cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft quan tr\u1ecdng v\u1ec1 hi\u1ec7u su\u1ea5t ti\u1ec1m n\u0103ng trong t\u01b0\u01a1ng lai c\u1ee7a n\u00f3:<\/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'>Ng\u00e0y 5 th\u00e1ng 3 n\u0103m 2020: K\u1ebf ho\u1ea1ch t\u00e1i c\u1ea5u tr\u00fac do RBI kh\u1edfi x\u01b0\u1edbng v\u1edbi s\u1ef1 b\u01a1m v\u1ed1n \u20b910,000 crore do SBI d\u1eabn \u0111\u1ea7u, thi\u1ebft l\u1eadp m\u1ed9t m\u1ee9c \u0111\u1ecbnh gi\u00e1 s\u00e0n ch\u01b0a \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m m\u1eb7c d\u00f9 c\u00f3 nhi\u1ec1u \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 15 th\u00e1ng 7 n\u0103m 2022: B\u1ed5 nhi\u1ec7m \u0111\u1ed9i ng\u0169 l\u00e3nh \u0111\u1ea1o m\u1edbi th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c &#8220;3R&#8221; (gi\u1ea3i quy\u1ebft, t\u00e1i x\u00e2y d\u1ef1ng, t\u00e1i t\u01b0\u1edfng t\u01b0\u1ee3ng) \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c 94% c\u00e1c m\u1ee5c ti\u00eau \u0111\u00e3 n\u00eau so v\u1edbi m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 61%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 29 th\u00e1ng 9 n\u0103m 2023: Chuy\u1ec3n h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 cho vay b\u00e1n l\u1ebb 60% (t\u1eeb 30%) \u0111\u1ed3ng th\u1eddi gi\u1ea3m chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng xu\u1ed1ng 42%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y 18 th\u00e1ng 1 n\u0103m 2024: Gi\u1ea3i quy\u1ebft 63% c\u00e1c NPA k\u1ebf th\u1eeba tr\u1ecb gi\u00e1 kho\u1ea3ng \u20b98,300 crore, v\u01b0\u1ee3t qu\u00e1 th\u1eddi gian qu\u1ea3n l\u00fd c\u1ee7a ch\u00ednh m\u00ecnh 7 th\u00e1ng<\/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 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n nh\u1eadn d\u1ea1ng m\u1eabu \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec3m t\u01b0\u01a1ng \u0111\u1ed3ng h\u1ea5p d\u1eabn: qu\u1ef9 \u0111\u1ea1o ph\u1ee5c h\u1ed3i c\u1ee7a Yes Bank cho th\u1ea5y s\u1ef1 t\u01b0\u01a1ng quan 78% v\u1edbi c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u kh\u00e1c cu\u1ed1i c\u00f9ng \u0111\u00e3 mang l\u1ea1i l\u1ee3i nhu\u1eadn 3-5 l\u1ea7n trong c\u00e1c khung th\u1eddi gian t\u01b0\u01a1ng \u0111\u01b0\u01a1ng. Khi c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ea1m \u0111\u00e1y \u1edf m\u1ee9c \u20b96,55 v\u00e0o th\u00e1ng 5 n\u0103m 2020, c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 ti\u00eau chu\u1ea9n \u0111\u00e3 d\u1ef1 \u0111o\u00e1n s\u1ef1 ph\u00e1 h\u1ee7y gi\u00e1 tr\u1ecb v\u0129nh vi\u1ec5n, b\u1ecf l\u1ee1 nh\u1eefng c\u1ea3i ti\u1ebfn c\u1ea5u tr\u00fac s\u1ebd th\u00fac \u0111\u1ea9y hi\u1ec7u su\u1ea5t sau \u0111\u00f3.<\/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>Giai \u0110o\u1ea1n L\u1ecbch S\u1eed<\/th>\n<th>Ph\u00e1t Tri\u1ec3n Ch\u00ednh<\/th>\n<th>B\u00e0i H\u1ecdc cho D\u1ef1 \u0110o\u00e1n 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2019-2020<\/td>\n<td>\u0110\u1ec9nh \u0111i\u1ec3m kh\u1ee7ng ho\u1ea3ng: Gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m 92% trong khi ti\u1ec1n g\u1eedi gi\u1ea3m 54%<\/td>\n<td>Thi\u1ebft l\u1eadp s\u00e0n ki\u1ec3m tra c\u0103ng th\u1eb3ng th\u1ef1c s\u1ef1 \u0111\u00e3 gi\u1eef v\u1eefng m\u1eb7c d\u00f9 c\u00f3 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng sau \u0111\u00f3<\/td>\n<\/tr>\n<tr>\n<td>2021-2022<\/td>\n<td>T\u1ef7 l\u1ec7 CASA c\u1ea3i thi\u1ec7n t\u1eeb 26,1% l\u00ean 30,4%, ti\u1ec1n g\u1eedi b\u00e1n l\u1ebb t\u0103ng 109%<\/td>\n<td>X\u00e1c nh\u1eadn kh\u1ea3 n\u0103ng c\u1ee7a qu\u1ea3n l\u00fd trong vi\u1ec7c x\u00e2y d\u1ef1ng l\u1ea1i ni\u1ec1m tin \u2013 y\u1ebfu t\u1ed1 v\u00f4 h\u00ecnh ch\u00ednh kh\u00f4ng \u0111\u01b0\u1ee3c n\u1eafm b\u1eaft trong c\u00e1c m\u00f4 h\u00ecnh ti\u00eau chu\u1ea9n<\/td>\n<\/tr>\n<tr>\n<td>2023-2024<\/td>\n<td>Kho\u1ea3n vay b\u00e1n l\u1ebb m\u1edf r\u1ed9ng 43%, giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1 t\u0103ng 267%<\/td>\n<td>Ch\u1ee9ng minh s\u1ef1 chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh th\u00e0nh c\u00f4ng \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng cho s\u1ef1 t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng<\/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'>C\u00e1c Y\u1ebfu T\u1ed1 Ph\u00e2n T\u00edch K\u1ef9 Thu\u1eadt cho D\u1ef1 \u0110o\u00e1n C\u1ed5 Phi\u1ebfu Yes Bank 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n c\u00e1c chuy\u1ec3n \u0111\u1ed9ng gi\u00e1 trong t\u01b0\u01a1ng lai. Khi ki\u1ec3m tra c\u00e1c bi\u1ec3u \u0111\u1ed3 h\u00e0ng tu\u1ea7n th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option, m\u1ed9t m\u00f4 h\u00ecnh \u0111\u00e1y ba hi\u1ebfm khi \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn xu\u1ea5t hi\u1ec7n v\u1edbi c\u00e1c \u0111i\u1ec3m x\u00e1c nh\u1eadn t\u1ea1i \u20b911,20, \u20b912,35 v\u00e0 \u20b914,80. M\u00f4 h\u00ecnh n\u00e0y, k\u1ebft h\u1ee3p v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng gi\u00e1 li\u00ean t\u1ee5c (kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 73% v\u00e0o c\u00e1c ng\u00e0y t\u0103ng so v\u1edbi c\u00e1c ng\u00e0y gi\u1ea3m), b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng t\u00edch l\u0169y c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u th\u01b0\u1eddng b\u1ecb b\u1ecf qua trong ph\u00e2n t\u00edch ch\u00ednh th\u1ed1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>M\u00f4 H\u00ecnh Gi\u00e1 D\u00e0i H\u1ea1n v\u00e0 C\u00e1c M\u1ee9c Kh\u00e1ng C\u1ef1<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch bi\u1ec3u \u0111\u1ed3 n\u00e2ng cao s\u1eed d\u1ee5ng thang \u0111o logarit v\u00e0 c\u00e1c ch\u1ec9 b\u00e1o \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 m\u1ed9t s\u1ed1 m\u1ee9c gi\u00e1 quan tr\u1ecdng c\u00f3 kh\u1ea3 n\u0103ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank h\u01b0\u1edbng t\u1edbi n\u0103m 2025:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng kh\u00e1ng c\u1ef1 ch\u00ednh: ph\u1ea1m vi \u20b922-24 (\u0111\u1ea1i di\u1ec7n cho s\u1ef1 tho\u00e1i lui Fibonacci 38,2% t\u1eeb m\u1ee9c cao n\u0103m 2018 v\u00e0 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n v\u1edbi \u00e1p l\u1ef1c b\u00e1n gi\u1ea3m d\u1ea7n)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>V\u00f9ng t\u00edch l\u0169y theo kh\u1ed1i l\u01b0\u1ee3ng gi\u1eefa \u20b912-16 n\u01a1i 42% kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trong 90 ng\u00e0y qua x\u1ea3y ra m\u1eb7c d\u00f9 ch\u1ec9 \u0111\u1ea1i di\u1ec7n cho 28% ph\u1ea1m vi gi\u00e1<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Bi\u1ec3u \u0111\u1ed3 h\u00e0ng th\u00e1ng th\u1ec3 hi\u1ec7n m\u00f4 h\u00ecnh c\u1ed1c v\u00e0 tay c\u1ea7m s\u00e1ch gi\u00e1o khoa k\u00e9o d\u00e0i 27 th\u00e1ng v\u1edbi s\u1ef1 b\u1ee9t ph\u00e1 \u0111\u01b0\u1eddng vi\u1ec1n c\u1ed5 t\u1ea1i \u20b919,80 d\u1ef1 b\u00e1o m\u1ee5c ti\u00eau t\u0103ng t\u1ed1i thi\u1ec3u l\u00e0 \u20b931,40<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft MACD t\u0103ng gi\u00e1 tr\u00ean khung th\u1eddi gian h\u00e0ng qu\u00fd \u2013 m\u1ed9t t\u00edn hi\u1ec7u \u0111\u00e3 \u0111i tr\u01b0\u1edbc c\u00e1c \u0111\u1ed9ng th\u00e1i l\u1edbn trong 83% c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng<\/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>Ch\u1ec9 B\u00e1o K\u1ef9 Thu\u1eadt<\/th>\n<th>\u0110\u1ecdc Hi\u1ec7n T\u1ea1i<\/th>\n<th>H\u00e0m \u00dd Ti\u1ec1m N\u0103ng cho 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u01b0\u1eddng Trung B\u00ecnh \u0110\u1ed9ng 200 Tu\u1ea7n<\/td>\n<td>\u20b915,32 (gi\u00e1 th\u1eed nghi\u1ec7m v\u1edbi \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng gi\u1ea3m 38%)<\/td>\n<td>C\u01a1 s\u1edf ti\u1ec1m n\u0103ng cho \u0111\u1ee3t t\u0103ng gi\u00e1 b\u1ec1n v\u1eefng n\u1ebfu gi\u00e1 thi\u1ebft l\u1eadp tr\u00ean m\u1ee9c n\u00e0y trong 4+ tu\u1ea7n<\/td>\n<\/tr>\n<tr>\n<td>Ch\u1ec9 S\u1ed1 S\u1ee9c M\u1ea1nh T\u01b0\u01a1ng \u0110\u1ed1i (H\u00e0ng Th\u00e1ng)<\/td>\n<td>53,7 (t\u0103ng t\u1eeb 31,2 v\u1edbi s\u1ef1 ph\u00e2n k\u1ef3 t\u00edch c\u1ef1c)<\/td>\n<td>C\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3 tr\u01b0\u1edbc khi \u0111\u1ea1t m\u1ee9c qu\u00e1 mua 70+<\/td>\n<\/tr>\n<tr>\n<td>Xu H\u01b0\u1edbng Kh\u1ed1i L\u01b0\u1ee3ng<\/td>\n<td>T\u0103ng 35% trong c\u00e1c ng\u00e0y kh\u1ed1i l\u01b0\u1ee3ng t\u00edch c\u1ef1c v\u1edbi t\u1ef7 l\u1ec7 kh\u1ed1i l\u01b0\u1ee3ng\/gi\u00e1 cao h\u01a1n 23%<\/td>\n<td>M\u00f4 h\u00ecnh t\u00edch l\u0169y c\u1ed5 \u0111i\u1ec3n \u0111i tr\u01b0\u1edbc vi\u1ec7c x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf c\u1ee7a t\u1ed5 ch\u1ee9c<\/td>\n<\/tr>\n<tr>\n<td>H\u00ecnh Th\u00e0nh M\u00f4 H\u00ecnh Gi\u00e1<\/td>\n<td>\u0110\u1ea7u v\u00e0 vai ng\u01b0\u1ee3c (\u20b99,80, \u20b95,55, \u20b911,20) v\u1edbi 89% ho\u00e0n th\u00e0nh<\/td>\n<td>D\u1ef1 b\u00e1o m\u1ee5c ti\u00eau k\u1ef9 thu\u1eadt l\u00e0 \u20b931,40 d\u1ef1a tr\u00ean bi\u00ean \u0111\u1ed9 m\u00f4 h\u00ecnh<\/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'>B\u1ed9 dao \u0111\u1ed9ng \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option k\u1ebft h\u1ee3p c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng theo kh\u1ed1i l\u01b0\u1ee3ng v\u1edbi c\u00e1c ch\u1ec9 b\u00e1o \u0111\u1ed9ng l\u01b0\u1ee3ng \u0111\u1ec3 l\u1ecdc nhi\u1ec5u th\u1ecb tr\u01b0\u1eddng. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y cho th\u1ea5y giai \u0111o\u1ea1n h\u1ee3p nh\u1ea5t hi\u1ec7n t\u1ea1i c\u1ee7a Yes Bank th\u1ec3 hi\u1ec7n c\u00f9ng m\u1ed9t ch\u1eef k\u00fd nh\u01b0 c\u00e1c giai \u0111o\u1ea1n t\u00edch l\u0169y tr\u01b0\u1edbc \u0111\u00f3 \u0111\u00e3 \u0111i tr\u01b0\u1edbc s\u1ef1 t\u0103ng gi\u00e1 \u0111\u00e1ng k\u1ec3 trong 76% c\u00e1c thi\u1ebft l\u1eadp k\u1ef9 thu\u1eadt t\u01b0\u01a1ng t\u1ef1. \u0110i\u1ec1u m\u00e0 h\u1ea7u h\u1ebft c\u00e1c nh\u00e0 ph\u00e2n t\u00edch b\u1ecf l\u1ee1 trong d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 l\u00e0 ch\u1ea5t l\u01b0\u1ee3ng mua so v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng b\u00e1n \u0111ang \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u quan tr\u1ecdng.<\/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 C\u01a1 B\u1ea3n \u1ea2nh H\u01b0\u1edfng \u0110\u1ebfn \u0110\u1ecbnh Gi\u00e1 T\u01b0\u01a1ng Lai c\u1ee7a Yes Bank<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Trong khi ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o c\u00e1c ch\u1ec9 s\u1ed1 ti\u00eau \u0111\u1ec1, c\u00e1c thu\u1eadt to\u00e1n \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option x\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ec9 s\u1ed1 ph\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb d\u1ef1 \u0111o\u00e1n v\u01b0\u1ee3t tr\u1ed9i. V\u00ed d\u1ee5, vi\u1ec7c gi\u1ea3m chi ph\u00ed v\u1ed1n c\u1ee7a Yes Bank xu\u1ed1ng 37 \u0111i\u1ec3m c\u01a1 b\u1ea3n theo qu\u00fd v\u01b0\u1ee3t xa m\u1ee9c trung b\u00ecnh ng\u00e0nh l\u00e0 12 \u0111i\u1ec3m c\u01a1 b\u1ea3n \u2013 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t m\u00e0 l\u1ecbch s\u1eed cho th\u1ea5y tr\u01b0\u1edbc s\u1ef1 m\u1edf r\u1ed9ng NIM t\u1eeb 9-14 th\u00e1ng v\u1edbi \u0111\u1ed9 tin c\u1eady 78%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u00f3 m\u1ed1i t\u01b0\u01a1ng quan th\u1ed1ng k\u00ea \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh v\u1edbi \u0111\u1ecbnh gi\u00e1 ng\u00e2n h\u00e0ng trong t\u01b0\u01a1ng lai \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t khi ph\u00e1t tri\u1ec3n d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025:<\/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 C\u01a1 B\u1ea3n<\/th>\n<th>Qu\u1ef9 \u0110\u1ea1o Hi\u1ec7n T\u1ea1i<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng \u0110\u1ebfn N\u0103m 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>T\u0103ng Tr\u01b0\u1edfng T\u00edn D\u1ee5ng<\/td>\n<td>T\u0103ng 17,2% YoY (cao h\u01a1n 3,7% so v\u1edbi trung b\u00ecnh ng\u00e0nh)<\/td>\n<td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t 22-25% CAGR v\u1edbi ROA gia t\u0103ng ti\u1ec1m n\u0103ng 0,4-0,6%<\/td>\n<\/tr>\n<tr>\n<td>C\u01a1 S\u1edf Ti\u1ec1n G\u1eedi<\/td>\n<td>T\u1ef7 l\u1ec7 CASA c\u1ea3i thi\u1ec7n l\u00ean 31,8% (so v\u1edbi 25,4% hai n\u0103m tr\u01b0\u1edbc)<\/td>\n<td>M\u1ed7i c\u1ea3i thi\u1ec7n 100bps th\u00fac \u0111\u1ea9y m\u1edf r\u1ed9ng NIM 7-9bps, nh\u1eafm m\u1ee5c ti\u00eau 40-45% CASA v\u00e0o n\u0103m 2025<\/td>\n<\/tr>\n<tr>\n<td>S\u00e1ng Ki\u1ebfn Ng\u00e2n H\u00e0ng K\u1ef9 Thu\u1eadt S\u1ed1<\/td>\n<td>\u0110\u1ea7u t\u01b0 \u20b91,250 crore mang l\u1ea1i ti\u1ebft ki\u1ec7m chi ph\u00ed 28% m\u1ed7i giao d\u1ecbch<\/td>\n<td>C\u00e1ch ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng cho t\u1ef7 l\u1ec7 chi ph\u00ed-tr\u00ean-thu nh\u1eadp d\u1eabn \u0111\u1ea7u ng\u00e0nh 42-44%<\/td>\n<\/tr>\n<tr>\n<td>Tu\u00e2n Th\u1ee7 Quy \u0110\u1ecbnh<\/td>\n<td>C\u00e1c khung r\u1ee7i ro v\u01b0\u1ee3t qu\u00e1 y\u00eau c\u1ea7u c\u1ee7a RBI trung b\u00ecnh 115%<\/td>\n<td>Ti\u1ec1m n\u0103ng ph\u00ea duy\u1ec7t quy \u0111\u1ecbnh cho c\u00e1c s\u00e1ng ki\u1ebfn t\u0103ng tr\u01b0\u1edfng t\u0103ng t\u1ed1c v\u00e0o n\u0103m 2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e2n h\u00e0ng k\u1ef3 c\u1ef1u s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 so s\u00e1nh ch\u00e9o c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t ch\u1ea5t x\u00fac t\u00e1c \u0111\u1ecbnh gi\u00e1 h\u1ea5p d\u1eabn: Yes Bank giao d\u1ecbch \u1edf m\u1ee9c 0,8 l\u1ea7n gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch m\u1eb7c d\u00f9 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 ho\u1eb7c v\u01b0\u1ee3t tr\u1ed9i so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 giao d\u1ecbch \u1edf m\u1ee9c 1,3-1,7 l\u1ea7n gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch. Kho\u1ea3ng c\u00e1ch \u0111\u1ecbnh gi\u00e1 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c thu h\u1eb9p trong 82% c\u00e1c t\u00ecnh hu\u1ed1ng l\u1ecbch s\u1eed t\u01b0\u01a1ng t\u1ef1 trong v\u00f2ng 18-36 th\u00e1ng, cho th\u1ea5y ti\u1ec1m n\u0103ng \u0111\u1ecbnh gi\u00e1 l\u1ea1i \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn n\u0103m 2025.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 Kinh T\u1ebf v\u00e0 \u0110\u1ed9ng L\u1ef1c Ng\u00e0nh Ng\u00e2n H\u00e0ng<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c xu h\u01b0\u1edbng v\u0129 m\u00f4 t\u1ea1o ra b\u1ed1i c\u1ea3nh m\u00e0 Yes Bank ph\u1ea3i th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a m\u00ecnh. B\u1ed1n bi\u1ebfn s\u1ed1 kinh t\u1ebf \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t trong b\u1ea5t k\u1ef3 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 to\u00e0n di\u1ec7n n\u00e0o:<\/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'>Qu\u1ef9 \u0111\u1ea1o l\u00e3i su\u1ea5t: NIM hi\u1ec7n t\u1ea1i l\u00e0 2,4% c\u00f3 ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng 65-80bps trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t d\u1ef1 ki\u1ebfn so v\u1edbi 30-45bps cho c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n v\u1edbi b\u1ea3ng c\u00e2n \u0111\u1ed1i \u00edt linh ho\u1ea1t h\u01a1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng tr\u01b0\u1edfng c\u1ee5 th\u1ec3 theo ng\u00e0nh: Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb t\u0103ng tr\u01b0\u1edfng 21,3% mang l\u1ea1i l\u1ee3i th\u1ebf kh\u00f4ng c\u00e2n x\u1ee9ng cho Yes Bank v\u1edbi t\u1ef7 l\u1ec7 ti\u1ebfp x\u00fac b\u00e1n l\u1ebb 60% so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 n\u1eb7ng v\u1ec1 doanh nghi\u1ec7p<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ea3nh quan c\u1ea1nh tranh: C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u1edbi chi\u1ebfm 14,2% th\u1ecb ph\u1ea7n nh\u01b0ng ch\u1ee7 y\u1ebfu trong thanh to\u00e1n, kh\u00f4ng ph\u1ea3i t\u00edn d\u1ee5ng \u2013 m\u00f4 h\u00ecnh lai c\u1ee7a Yes Bank \u0111\u1ecbnh v\u1ecb n\u00f3 m\u1ed9t c\u00e1ch \u0111\u1ed9c \u0111\u00e1o<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1ef1 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh: C\u00e1c s\u1eeda \u0111\u1ed5i Basel-III d\u1ef1 ki\u1ebfn t\u0103ng y\u00eau c\u1ea7u v\u1ed1n l\u00ean 150bps c\u00f3 th\u1ec3 t\u1ea1o c\u01a1 h\u1ed9i mua l\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n t\u1ed1t nh\u01b0 Yes Bank<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Kh\u1ea3 n\u0103ng m\u00f4 h\u00ecnh h\u00f3a kinh t\u1ebf d\u1ef1 \u0111o\u00e1n c\u1ee7a Pocket Option m\u1edf r\u1ed9ng v\u01b0\u1ee3t ra ngo\u00e0i c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn th\u00f4ng th\u01b0\u1eddng b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u thay th\u1ebf bao g\u1ed3m ph\u00e2n t\u00edch t\u00e2m l\u00fd, lu\u1ed3ng thanh to\u00e1n v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 chi ti\u00eau ti\u00eau d\u00f9ng \u0111\u1ed9c quy\u1ec1n. C\u00e1c c\u00f4ng c\u1ee5 n\u00e0y ti\u1ebft l\u1ed9 c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n \u0111ang c\u1ee7ng c\u1ed1 trong c\u00e1c th\u1ecb tr\u01b0\u1eddng c\u1ed1t l\u00f5i c\u1ee7a Yes Bank m\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c ch\u1ec9 s\u1ed1 kinh t\u1ebf truy\u1ec1n th\u1ed1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chuy\u1ec3n \u0110\u1ed5i K\u1ef9 Thu\u1eadt S\u1ed1 v\u00e0 \u00c1p D\u1ee5ng C\u00f4ng Ngh\u1ec7<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c c\u00f4ng ngh\u1ec7 c\u1ee7a Yes Bank tu\u00e2n theo c\u00e1ch ti\u1ebfp c\u1eadn &#8220;\u01b0u ti\u00ean kh\u1ea3 n\u0103ng&#8221; kh\u00e1c bi\u1ec7t thay v\u00ec m\u00f4 h\u00ecnh &#8220;\u01b0u ti\u00ean k\u00eanh&#8221; \u0111\u01b0\u1ee3c 73% \u0111\u1ed1i th\u1ee7 \u00e1p d\u1ee5ng. S\u1ef1 kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n n\u00e0y t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng ti\u1ec1m n\u0103ng hi\u1ebfm khi \u0111\u01b0\u1ee3c n\u1eafm b\u1eaft trong ph\u00e2n t\u00edch th\u00f4ng th\u01b0\u1eddng:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>S\u00e1ng Ki\u1ebfn C\u00f4ng Ngh\u1ec7<\/th>\n<th>Tr\u1ea1ng Th\u00e1i Tri\u1ec3n Khai Hi\u1ec7n T\u1ea1i<\/th>\n<th>T\u00e1c \u0110\u1ed9ng Ti\u1ec1m N\u0103ng \u0110\u1ebfn N\u0103m 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Th\u1ea9m \u0110\u1ecbnh T\u00edn D\u1ee5ng D\u1ef1a Tr\u00ean AI<\/td>\n<td>Tri\u1ec3n khai tr\u00ean danh m\u1ee5c b\u00e1n l\u1ebb gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 42%<\/td>\n<td>L\u1ee3i th\u1ebf chi ph\u00ed t\u00edn d\u1ee5ng ti\u1ec1m n\u0103ng 75-90bps so v\u1edbi c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/td>\n<\/tr>\n<tr>\n<td>Blockchain cho T\u00e0i Ch\u00ednh Th\u01b0\u01a1ng M\u1ea1i<\/td>\n<td>13 kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch \u20b91,780 crore<\/td>\n<td>L\u1ee3i th\u1ebf ng\u01b0\u1eddi \u0111i \u0111\u1ea7u trong th\u1ecb tr\u01b0\u1eddng \u20b98,2 ngh\u00ecn t\u1ef7 t\u0103ng tr\u01b0\u1edfng 18,2% CAGR<\/td>\n<\/tr>\n<tr>\n<td>H\u1ec7 Sinh Th\u00e1i Ng\u00e2n H\u00e0ng API<\/td>\n<td>302 API ho\u1ea1t \u0111\u1ed9ng t\u1ea1o ra thu nh\u1eadp ph\u00ed \u20b9430 crore<\/td>\n<td>D\u1ef1 ki\u1ebfn \u0111\u1ea1t \u20b91,850-2,200 crore v\u00e0o n\u0103m 2025 (18-22% thu nh\u1eadp ph\u00ed)<\/td>\n<\/tr>\n<tr>\n<td>C\u01a1 S\u1edf H\u1ea1 T\u1ea7ng \u0110\u00e1m M\u00e2y<\/td>\n<td>43% \u1ee9ng d\u1ee5ng \u0111\u00e3 di chuy\u1ec3n v\u1edbi hi\u1ec7u qu\u1ea3 chi ph\u00ed t\u0103ng 29%<\/td>\n<td>Di chuy\u1ec3n ho\u00e0n to\u00e0n nh\u1eafm m\u1ee5c ti\u00eau gi\u1ea3m 31-35% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng CNTT<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 s\u1eed d\u1ee5ng c\u00e1c khung m\u00f4 h\u00ecnh ROI c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t hi\u1ec3u bi\u1ebft quan tr\u1ecdng: chi ti\u00eau c\u00f4ng ngh\u1ec7 c\u1ee7a Yes Bank mang l\u1ea1i s\u1ef1 c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 1,4 l\u1ea7n m\u1ed7i rupee \u0111\u1ea7u t\u01b0 so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n \u2013 ch\u1ee7 y\u1ebfu v\u00ec h\u1ecd \u0111ang x\u00e2y d\u1ef1ng tr\u00ean ki\u1ebfn tr\u00fac hi\u1ec7n \u0111\u1ea1i thay v\u00ec v\u00e1 c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf th\u1eeba. S\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 hi\u1ec7u qu\u1ea3 n\u00e0y c\u1ed9ng d\u1ed3n h\u00e0ng n\u0103m, c\u00f3 kh\u1ea3 n\u0103ng t\u1ea1o ra l\u1ee3i th\u1ebf chi ph\u00ed b\u1ec1n v\u1eefng v\u00e0o n\u0103m 2025 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c \u0111\u1ecbnh gi\u00e1 hi\u1ec7n t\u1ea1i.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>\u0110\u00e1nh Gi\u00e1 R\u1ee7i Ro cho Yes Bank \u0110\u1ebfn N\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1ea5t k\u1ef3 d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 c\u00f3 tr\u00e1ch nhi\u1ec7m n\u00e0o c\u0169ng ph\u1ea3i t\u00ednh \u0111\u1ebfn nh\u1eefng th\u00e1ch th\u1ee9c ti\u1ec1m n\u0103ng b\u00ean c\u1ea1nh c\u00e1c c\u01a1 h\u1ed9i. B\u1ed1n lo\u1ea1i r\u1ee7i ro c\u1ee5 th\u1ec3 \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t:<\/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'>S\u1ef1 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh: Kh\u1ea3 n\u0103ng t\u0103ng y\u00eau c\u1ea7u v\u1ed1n t\u1ed1i thi\u1ec3u l\u00ean 150-200bps theo c\u00e1c s\u1eeda \u0111\u1ed5i Basel-III \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t, m\u1eb7c d\u00f9 CAR hi\u1ec7n t\u1ea1i c\u1ee7a Yes Bank l\u00e0 17,8% cung c\u1ea5p \u0111\u1ec7m \u0111\u00e1ng k\u1ec3<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1ef1 gi\u00e1n \u0111o\u1ea1n c\u1ea1nh tranh: C\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 k\u1ef9 thu\u1eadt s\u1ed1 thu h\u00fat kh\u00e1ch h\u00e0ng v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n 32%, m\u1eb7c d\u00f9 h\u1ecd g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c b\u00e1n ch\u00e9o v\u00e0 \u0111\u1ed9 s\u00e2u m\u1ed1i quan h\u1ec7 n\u01a1i Yes Bank xu\u1ea5t s\u1eafc<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Chu k\u1ef3 kinh t\u1ebf: Chi ph\u00ed t\u00edn d\u1ee5ng th\u01b0\u1eddng t\u0103ng 80-130bps trong th\u1eddi k\u1ef3 suy tho\u00e1i, m\u1eb7c d\u00f9 danh m\u1ee5c cho vay t\u1eadp trung v\u00e0o b\u00e1n l\u1ebb c\u1ee7a Yes Bank cho th\u1ea5y t\u00ednh chu k\u1ef3 th\u1ea5p h\u01a1n 42% so v\u1edbi cho vay doanh nghi\u1ec7p<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u1ef1c hi\u1ec7n c\u00f4ng ngh\u1ec7: D\u1eef li\u1ec7u ng\u00e0nh cho th\u1ea5y 43% c\u00e1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea1t m\u1ee5c ti\u00eau ROI, m\u1eb7c d\u00f9 c\u00e1ch ti\u1ebfp c\u1eadn m\u00f4-\u0111un c\u1ee7a Yes Bank gi\u1ea3m thi\u1ec3u r\u1ee7i ro tri\u1ec3n khai<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi suy ngh\u0129 th\u00f4ng th\u01b0\u1eddng, c\u00e1c nh\u00e0 ph\u00e2n t\u00edch r\u1ee7i ro s\u1eed d\u1ee5ng kh\u1ea3 n\u0103ng m\u00f4 h\u00ecnh h\u00f3a k\u1ecbch b\u1ea3n c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t l\u1ee3i th\u1ebf ng\u01b0\u1ee3c: b\u1ea3ng c\u00e2n \u0111\u1ed1i t\u01b0\u01a1ng \u0111\u1ed1i nh\u1ecf h\u01a1n c\u1ee7a Yes Bank (\u20b93,3 ngh\u00ecn t\u1ef7 so v\u1edbi \u20b912-18 ngh\u00ecn t\u1ef7 cho c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n) cho ph\u00e9p c\u00e1c tr\u1ee5c chi\u1ebfn l\u01b0\u1ee3c nhanh h\u01a1n trong th\u1eddi k\u1ef3 gi\u00e1n \u0111o\u1ea1n th\u1ecb tr\u01b0\u1eddng. L\u1ee3i th\u1ebf nhanh nh\u1eb9n n\u00e0y \u0111\u00e3 mang l\u1ea1i hi\u1ec7u su\u1ea5t v\u01b0\u1ee3t tr\u1ed9i 14-22% trong c\u00e1c giai \u0111o\u1ea1n c\u0103ng th\u1eb3ng th\u1ecb tr\u01b0\u1eddng cho c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 quy m\u00f4 t\u01b0\u01a1ng t\u1ef1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u00e1c Y\u1ebfu T\u1ed1 Gi\u1ea3m Thi\u1ec3u v\u00e0 \u0110i\u1ec1u Ch\u1ec9nh Chi\u1ebfn L\u01b0\u1ee3c<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Yes Bank \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u r\u1ee7i ro c\u1ee5 th\u1ec3 nh\u1eb1m c\u1ee7ng c\u1ed1 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a m\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>Y\u1ebfu T\u1ed1 R\u1ee7i Ro<\/th>\n<th>Chi\u1ebfn L\u01b0\u1ee3c Gi\u1ea3m Thi\u1ec3u<\/th>\n<th>S\u1ed1 Li\u1ec7u Hi\u1ec7u Qu\u1ea3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>D\u1ec5 T\u1ed5n Th\u01b0\u01a1ng Ch\u1ea5t L\u01b0\u1ee3ng T\u00e0i S\u1ea3n<\/td>\n<td>H\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o s\u1edbm v\u1edbi m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 69 tham s\u1ed1<\/td>\n<td>N\u1eafm b\u1eaft 93% t\u00e0i kho\u1ea3n c\u0103ng th\u1eb3ng v\u1edbi t\u1ef7 l\u1ec7 kh\u1eafc ph\u1ee5c th\u00e0nh c\u00f4ng 78%<\/td>\n<\/tr>\n<tr>\n<td>Bi\u1ebfn \u0110\u1ed9ng V\u1ed1n<\/td>\n<td>Chuy\u1ec3n h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c sang ti\u1ec1n g\u1eedi b\u00e1n l\u1ebb \u1ed5n \u0111\u1ecbnh (t\u0103ng 27% YoY)<\/td>\n<td>Gi\u1ea3m bi\u1ebfn \u0111\u1ed9ng chi ph\u00ed v\u1ed1n 67% so v\u1edbi tr\u01b0\u1edbc t\u00e1i c\u1ea5u tr\u00fac<\/td>\n<\/tr>\n<tr>\n<td>R\u1ee7i Ro Tri\u1ec3n Khai C\u00f4ng Ngh\u1ec7<\/td>\n<td>Ph\u01b0\u01a1ng ph\u00e1p lu\u1eadn linh ho\u1ea1t v\u1edbi chu k\u1ef3 ph\u00e1t h\u00e0nh hai tu\u1ea7n<\/td>\n<td>Gi\u1ea3m t\u1ef7 l\u1ec7 th\u1ea5t b\u1ea1i d\u1ef1 \u00e1n t\u1eeb 31% xu\u1ed1ng 12% v\u00e0 t\u0103ng giao h\u00e0ng \u0111\u00fang h\u1ea1n 38%<\/td>\n<\/tr>\n<tr>\n<td>\u00c1p L\u1ef1c Th\u1ecb Ph\u1ea7n<\/td>\n<td>Quan h\u1ec7 \u0111\u1ed1i t\u00e1c fintech chi\u1ebfn l\u01b0\u1ee3c t\u1ea1o ra ph\u00e2n ph\u1ed1i m\u1edf r\u1ed9ng<\/td>\n<td>T\u1ea1o ra 8,3% kh\u00e1ch h\u00e0ng m\u1edbi v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 41%<\/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'>Quan \u0110i\u1ec3m Chuy\u00ean Gia v\u1ec1 D\u1ef1 \u0110o\u00e1n C\u1ed5 Phi\u1ebfu Yes Bank 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u00dd ki\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1ed5 ch\u1ee9c v\u1ec1 Yes Bank tr\u1ea3i d\u00e0i tr\u00ean m\u1ed9t ph\u1ed5 r\u1ed9ng, nh\u01b0ng m\u1ed9t s\u1ed1 quan \u0111i\u1ec3m b\u1ecb b\u1ecf qua \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd. Tr\u00e1i ng\u01b0\u1ee3c v\u1edbi s\u1ef1 \u0111\u1ed3ng thu\u1eadn ch\u00ednh th\u1ed1ng, c\u00e1c chuy\u00ean gia trong c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng l\u01b0u \u00fd r\u1eb1ng nh\u1eefng c\u1ea3i ti\u1ebfn sau t\u00e1i c\u1ea5u tr\u00fac c\u1ee7a Yes Bank \u0111ang di\u1ec5n ra v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea5p 1,7 l\u1ea7n so v\u1edbi c\u00e1c v\u00ed d\u1ee5 l\u1ecbch s\u1eed t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u2013 m\u1ed9t ch\u1ec9 b\u00e1o h\u00e0ng \u0111\u1ea7u th\u01b0\u1eddng \u0111i tr\u01b0\u1edbc l\u1ee3i nhu\u1eadn c\u1ed5 \u0111\u00f4ng t\u0103ng t\u1ed1c trong c\u00e1c chu k\u1ef3 ph\u1ee5c h\u1ed3i n\u0103m 3-5.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia \u0111\u1ecbnh l\u01b0\u1ee3ng s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 c\u1ee7a Pocket Option d\u1ef1 b\u00e1o gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch c\u01a1 b\u1ea3n l\u00e0 \u20b928,40 m\u1ed7i c\u1ed5 phi\u1ebfu v\u00e0o n\u0103m 2025, \u0111\u1ea1i di\u1ec7n cho gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch g\u1ea5p 2,3 l\u1ea7n d\u1ef1a tr\u00ean ph\u00e2n t\u00edch \u0111\u1ed1i th\u1ee7. \u0110i\u1ec1u n\u00e0y chuy\u1ec3n th\u00e0nh ph\u1ea1m vi gi\u00e1 m\u1ee5c ti\u00eau t\u1eeb \u20b965,30-\u20b973,80. Tuy nhi\u00ean, m\u1ed9t tr\u01b0\u1eddng h\u1ee3p t\u0103ng gi\u00e1 \u00edt \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn xu\u1ea5t hi\u1ec7n n\u1ebfu chi ph\u00ed t\u00edn d\u1ee5ng duy tr\u00ec d\u01b0\u1edbi 100bps v\u00e0 t\u0103ng tr\u01b0\u1edfng cho vay v\u01b0\u1ee3t qu\u00e1 20% CAGR \u2013 c\u00f3 kh\u1ea3 n\u0103ng mang l\u1ea1i gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch l\u00e0 \u20b933,50 v\u00e0 c\u00e1c m\u1ee5c ti\u00eau gi\u00e1 t\u1eeb \u20b984,90-\u20b997,20.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00f3 l\u1ebd th\u00fa v\u1ecb nh\u1ea5t l\u00e0 lu\u1eadn \u0111i\u1ec3m tr\u00e1i ng\u01b0\u1ee3c r\u1eb1ng b\u1ea3ng c\u00e2n \u0111\u1ed1i &#8220;kh\u1edfi \u0111\u1ea7u m\u1edbi&#8221; c\u1ee7a Yes Bank mang l\u1ea1i l\u1ee3i th\u1ebf c\u1ea5u tr\u00fac so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 mang t\u00e0i s\u1ea3n k\u1ebf th\u1eeba v\u00e0o m\u1ed9t m\u00f4i tr\u01b0\u1eddng kinh t\u1ebf c\u00f3 kh\u1ea3 n\u0103ng th\u00e1ch th\u1ee9c. Quan \u0111i\u1ec3m n\u00e0y th\u00e1ch th\u1ee9c s\u1ef1 kh\u00f4n ngoan th\u00f4ng th\u01b0\u1eddng r\u1eb1ng quy m\u00f4 nh\u1ea5t thi\u1ebft ph\u1ea3i b\u1eb1ng an to\u00e0n trong ng\u00e2n h\u00e0ng \u2013 ph\u00e2n t\u00edch l\u1ecbch s\u1eed cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 quy m\u00f4 trung b\u00ecnh v\u1edbi b\u1ea3ng c\u00e2n \u0111\u1ed1i s\u1ea1ch \u0111\u00e3 v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c \u0111\u1ed1i th\u1ee7 l\u1edbn h\u01a1n 35-47% trong c\u00e1c giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i chu k\u1ef3 t\u00edn d\u1ee5ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 cho C\u00e1c Khung Th\u1eddi Gian Kh\u00e1c Nhau<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 hi\u1ec7u qu\u1ea3 ph\u1ea3i chuy\u1ec3n th\u00e0nh c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh cho c\u00e1c h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 khung th\u1eddi gian kh\u00e1c nhau:<\/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>Khung Th\u1eddi Gian \u0110\u1ea7u T\u01b0<\/th>\n<th>Th\u00e0nh Ph\u1ea7n Chi\u1ebfn L\u01b0\u1ee3c<\/th>\n<th>Khung Qu\u1ea3n L\u00fd R\u1ee7i Ro<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ng\u1eafn h\u1ea1n (3-6 th\u00e1ng)<\/td>\n<td>Nh\u1eadp t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt ch\u00ednh (\u20b914,80, \u20b916,40) v\u1edbi s\u1ef1 li\u00ean k\u1ebft ch\u1ea5t x\u00fac t\u00e1c<\/td>\n<td>D\u1eebng c\u1ee9ng \u1edf m\u1ee9c 8-12% d\u01b0\u1edbi m\u1ee9c nh\u1eadp, t\u1ef7 l\u1ec7 r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng t\u1ed1i thi\u1ec3u 1:2, d\u1eebng th\u1eddi gian 30 ng\u00e0y<\/td>\n<\/tr>\n<tr>\n<td>Trung h\u1ea1n (6-18 th\u00e1ng)<\/td>\n<td>Chi\u1ebfn l\u01b0\u1ee3c nh\u1eadp quy m\u00f4 v\u1edbi v\u1ecb tr\u00ed c\u1ed1t l\u00f5i 40%, 60% tr\u00ean c\u00e1c \u0111\u1ee3t gi\u1ea3m gi\u00e1 5-8%<\/td>\n<td>K\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 2-3% danh m\u1ee5c \u0111\u1ea7u t\u01b0, \u0111\u00e1nh gi\u00e1 l\u1ea1i h\u00e0ng qu\u00fd g\u1eafn li\u1ec1n v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 NIM\/GNPA<\/td>\n<\/tr>\n<tr>\n<td>D\u00e0i h\u1ea1n (18+ th\u00e1ng h\u01b0\u1edbng t\u1edbi 2025)<\/td>\n<td>\u0110\u1ea7u t\u01b0 c\u00f3 h\u1ec7 th\u1ed1ng g\u1eafn li\u1ec1n v\u1edbi x\u00e1c minh t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp<\/td>\n<td>C\u00e1ch ti\u1ebfp c\u1eadn l\u00f5i-v\u1ec7 tinh: ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c 60%, kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn thu\u1eadt 40%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 giao d\u1ecbch chuy\u00ean nghi\u1ec7p s\u1eed d\u1ee5ng khung ph\u00e2n t\u00edch \u0111a khung th\u1eddi gian c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn lai t\u1ed1i \u01b0u: thi\u1ebft l\u1eadp c\u00e1c v\u1ecb tr\u00ed c\u1ed1t l\u00f5i d\u1ef1a tr\u00ean c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 c\u01a1 b\u1ea3n trong khi s\u1eed d\u1ee5ng ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a th\u1eddi gian nh\u1eadp. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y \u0111\u00e3 gi\u1ea3m chi ph\u00ed nh\u1eadp trung b\u00ecnh 8-12% tr\u00ean c\u00e1c c\u01a1 h\u1ed9i ng\u00e0nh ng\u00e2n h\u00e0ng t\u01b0\u01a1ng t\u1ef1 trong khi duy tr\u00ec to\u00e0n b\u1ed9 kh\u1ea3 n\u0103ng ti\u1ebfp x\u00fac v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 d\u00e0i h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u00e2n Nh\u1eafc T\u00edch H\u1ee3p Danh M\u1ee5c \u0110\u1ea7u T\u01b0<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Yes Bank \u0111\u00f2i h\u1ecfi s\u1ef1 t\u00edch h\u1ee3p danh m\u1ee5c \u0111\u1ea7u t\u01b0 chu \u0111\u00e1o:<\/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'>Ph\u00e2n t\u00edch t\u01b0\u01a1ng quan cho th\u1ea5y h\u1ec7 s\u1ed1 0,73 v\u1edbi ch\u1ec9 s\u1ed1 ng\u00e2n h\u00e0ng so v\u1edbi ch\u1ec9 0,57 cho c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng nghi\u1ec7p, cho th\u1ea5y \u0111\u1ed9ng l\u1ef1c ng\u00e0nh m\u1ea1nh h\u01a1n \u1ea3nh h\u01b0\u1edfng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1eadt to\u00e1n \u0111\u1ecbnh c\u1ee1 v\u1ecb tr\u00ed t\u1ed1i \u01b0u \u0111\u1ec1 xu\u1ea5t ph\u00e2n b\u1ed5 2-5% cho c\u00e1c h\u1ed3 s\u01a1 r\u1ee7i ro v\u1eeba ph\u1ea3i, m\u1edf r\u1ed9ng l\u00ean 5-8% cho c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 h\u1ed9i giao d\u1ecbch c\u1eb7p t\u1ed3n t\u1ea1i v\u1edbi c\u00e1c \u0111\u1ed3ng nghi\u1ec7p ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 qu\u00e1 cao (nh\u1eefng ng\u01b0\u1eddi giao d\u1ecbch &gt;2x P\/B v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 ho\u1ea1t \u0111\u1ed9ng k\u00e9m h\u01a1n)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u00e1nh gi\u00e1 hi\u1ec7u su\u1ea5t n\u00ean s\u1eed d\u1ee5ng Ch\u1ec9 s\u1ed1 Nifty Bank Equal Weight thay v\u00ec c\u00e1c ch\u1ec9 s\u1ed1 c\u00f3 tr\u1ecdng s\u1ed1 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 chu\u1ea9n h\u00f3a \u0111\u1ed9 l\u1ec7ch k\u00edch th\u01b0\u1edbc<\/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 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 tinh vi nh\u1eadn ra r\u1eb1ng d\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 \u0111\u1ea1i di\u1ec7n cho nhi\u1ec1u h\u01a1n ch\u1ec9 l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ed9c l\u1eadp \u2013 n\u00f3 mang l\u1ea1i l\u1ee3i \u00edch \u0111a d\u1ea1ng h\u00f3a c\u00f3 gi\u00e1 tr\u1ecb b\u1eb1ng c\u00e1ch cung c\u1ea5p kh\u1ea3 n\u0103ng ti\u1ebfp x\u00fac v\u1edbi ch\u1ee7 \u0111\u1ec1 ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng v\u1edbi ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 b\u1ea5t \u0111\u1ed1i x\u1ee9ng. C\u00e1c c\u00f4ng c\u1ee5 ma tr\u1eadn t\u01b0\u01a1ng quan c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 r\u1eb1ng c\u1ed5 phi\u1ebfu Yes Bank \u0111\u00e3 mang l\u1ea1i l\u1ee3i nhu\u1eadn t\u00edch c\u1ef1c trong 63% c\u00e1c giai \u0111o\u1ea1n \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng trong 12 th\u00e1ng qua \u2013 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m b\u1ea5t th\u01b0\u1eddng \u0111\u00e1ng xem x\u00e9t cho ph\u00e2n b\u1ed5 ph\u00f2ng th\u1ee7.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft Lu\u1eadn: \u0110i\u1ec1u H\u01b0\u1edbng Con \u0110\u01b0\u1eddng \u0110\u1ebfn N\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu Yes Bank n\u0103m 2025 tr\u00ecnh b\u00e0y m\u1ed9t nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p h\u1ea5p d\u1eabn v\u1ec1 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a t\u1ed5 ch\u1ee9c v\u00e0 t\u00e1i \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c. S\u1ef1 chuy\u1ec3n \u0111\u1ed5i c\u1ee7a ng\u00e2n h\u00e0ng t\u1eeb vi\u1ec7c mang g\u00e1nh n\u1eb7ng NPA 12,9% \u0111\u1ebfn \u0111\u1ea1t m\u1ee9c 2,0% trong khi \u0111\u1ed3ng th\u1eddi t\u0103ng tr\u01b0\u1edfng s\u1ed5 cho vay 17,2% \u0111\u1ea1i di\u1ec7n cho s\u1ef1 xu\u1ea5t s\u1eafc trong th\u1ef1c thi v\u01b0\u1ee3t qu\u00e1 84% c\u00e1c cu\u1ed9c ph\u1ee5c h\u1ed3i ng\u00e2n h\u00e0ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng. Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt ti\u1ebft l\u1ed9 kh\u1ea3 n\u0103ng x\u00e1c nh\u1eadn \u0111\u00e1y ba t\u1ea1i \u20b914,80 v\u1edbi c\u00e1c m\u1ee5c ti\u00eau t\u0103ng gi\u00e1 \u0111o l\u01b0\u1eddng l\u00e0 \u20b921,40, \u20b927,80 v\u00e0 \u20b934,60 d\u1ef1a tr\u00ean c\u00e1c m\u1ee9c m\u1edf r\u1ed9ng Fibonacci.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ebfp c\u1eadn c\u01a1 h\u1ed9i n\u00e0y n\u00ean nh\u1eadn ra c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m r\u1ee7i ro-ph\u1ea7n th\u01b0\u1edfng \u0111\u1eb7c bi\u1ec7t c\u1ee7a n\u00f3. Qu\u1ef9 \u0111\u1ea1o ph\u1ee5c h\u1ed3i c\u1ee7a ng\u00e2n h\u00e0ng mang l\u1ea1i ti\u1ec1m n\u0103ng t\u1ea1o ra gi\u00e1 tr\u1ecb \u0111\u00e1ng k\u1ec3 n\u1ebfu th\u1ef1c thi ti\u1ebfp t\u1ee5c nh\u01b0 \u0111\u00e3 ch\u1ee9ng minh, v\u1edbi c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh gi\u00e1 cho th\u1ea5y ti\u1ec1m n\u0103ng gi\u00e1 tr\u1ecb s\u1ed5 s\u00e1ch g\u1ea5p 2,3 l\u1ea7n v\u00e0o n\u0103m 2025 (m\u1ee5c ti\u00eau gi\u00e1 \u20b965,30-\u20b973,80 trong tr\u01b0\u1eddng h\u1ee3p c\u01a1 b\u1ea3n). Tuy nhi\u00ean, c\u01a1 h\u1ed9i n\u00e0y \u0111i k\u00e8m v\u1edbi c\u00e1c r\u1ee7i ro th\u1ef1c thi c\u1ee5 th\u1ec3 xung quanh tri\u1ec3n khai c\u00f4ng ngh\u1ec7, \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh v\u00e0 c\u00e1c c\u01a1n gi\u00f3 kinh t\u1ebf ti\u1ec1m n\u0103ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1ed9 c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u1ee7a Pocket Option cung c\u1ea5p cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eefng l\u1ee3i th\u1ebf \u0111\u1ed9c \u0111\u00e1o khi \u0111\u00e1nh gi\u00e1 ti\u1ec1m n\u0103ng c\u1ee7a Yes Bank. C\u00e1c thu\u1eadt to\u00e1n ph\u00e1t hi\u1ec7n t\u00edn hi\u1ec7u \u0111\u1ed9c quy\u1ec1n c\u1ee7a n\u1ec1n t\u1ea3ng \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eabu kh\u1ed1i l\u01b0\u1ee3ng c\u1ee5 th\u1ec3 cho th\u1ea5y s\u1ef1 t\u00edch l\u0169y c\u1ee7a t\u1ed5 ch\u1ee9c ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong s\u1ef1 \u0111\u1ed3ng thu\u1eadn c\u1ee7a c\u00e1c nh\u00e0 ph\u00e2n t\u00edch. \u0110\u00e1ng ch\u00fa \u00fd nh\u1ea5t, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c c\u1ea3i ti\u1ebfn ho\u1ea1t \u0111\u1ed9ng v\u00e0 hi\u1ec7u su\u1ea5t gi\u00e1 c\u1ed5 phi\u1ebfu \u0111\u00e3 \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c \u0111\u1ed9 \u0111i tr\u01b0\u1edbc c\u00e1c \u0111\u1ecbnh gi\u00e1 l\u1ea1i l\u1edbn trong 79% c\u00e1c t\u00ecnh hu\u1ed1ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u01b0 v\u1edbi b\u1ea5t k\u1ef3 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 chuy\u1ec3n \u0111\u1ed5i n\u00e0o, th\u00e0nh c\u00f4ng s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c duy tr\u00ec ph\u00e2n t\u00edch c\u00f3 k\u1ef7 lu\u1eadt c\u00f9ng v\u1edbi qu\u1ea3n l\u00fd r\u1ee7i ro th\u00edch h\u1ee3p. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch tinh vi v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c tri\u1ec3n khai, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb m\u00ecnh \u0111\u1ec3 c\u00f3 kh\u1ea3 n\u0103ng h\u01b0\u1edfng l\u1ee3i t\u1eeb s\u1ef1 ph\u00e1t tri\u1ec3n li\u00ean t\u1ee5c c\u1ee7a Yes Bank trong khi b\u1ea3o v\u1ec7 v\u1ed1n th\u00f4ng qua c\u00e1c gi\u1edbi h\u1ea1n ti\u1ebfp x\u00fac \u0111\u01b0\u1ee3c c\u1ea5u tr\u00fac \u0111\u00fang c\u00e1ch, th\u1eddi gian nh\u1eadp v\u00e0 x\u00e1c nh\u1eadn lu\u1eadn \u0111i\u1ec3m li\u00ean t\u1ee5c.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n"},"faq":[{"question":"C\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu c\u1ee7a Yes Bank v\u00e0o n\u0103m 2025 l\u00e0 g\u00ec?","answer":"Ba danh m\u1ee5c ch\u00ednh s\u1ebd x\u00e1c \u0111\u1ecbnh qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank: th\u1ef1c thi ho\u1ea1t \u0111\u1ed9ng (gi\u1ea3m GNPA hi\u1ec7n t\u1ea1i t\u1eeb 12,9% xu\u1ed1ng 2,0% cho th\u1ea5y ti\u1ebfn b\u1ed9 m\u1ea1nh m\u1ebd), \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c (chuy\u1ec3n sang 60% cho vay b\u00e1n l\u1ebb cung c\u1ea5p \u00edt h\u01a1n 42% t\u00ednh chu k\u1ef3 so v\u1edbi ti\u1ebfp x\u00fac doanh nghi\u1ec7p), v\u00e0 nh\u1eadn th\u1ee9c th\u1ecb tr\u01b0\u1eddng (P\/B hi\u1ec7n t\u1ea1i 0,8x so v\u1edbi trung b\u00ecnh c\u1ee7a \u0111\u1ed1i th\u1ee7 1,3-1,7x cho th\u1ea5y ti\u1ec1m n\u0103ng \u0111\u1ecbnh gi\u00e1 l\u1ea1i). C\u00e1c y\u1ebfu t\u1ed1 th\u1ee9 c\u1ea5p bao g\u1ed3m th\u00e0nh c\u00f4ng trong tri\u1ec3n khai c\u00f4ng ngh\u1ec7 (\u0111\u1ea7u t\u01b0 hi\u1ec7n t\u1ea1i \u20b91.250 crore mang l\u1ea1i gi\u1ea3m 28% chi ph\u00ed giao d\u1ecbch), \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh (quan h\u1ec7 \u0111\u1ed1i t\u00e1c fintech mang l\u1ea1i 8,3% kh\u00e1ch h\u00e0ng m\u1edbi), v\u00e0 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh (c\u1ea3i ti\u1ebfn Basel-III c\u00f3 th\u1ec3 t\u0103ng y\u00eau c\u1ea7u v\u1ed1n l\u00ean 150-200bps)."},{"question":"D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu k\u00e9o d\u00e0i \u0111\u1ebfn n\u0103m 2025 c\u00f3 \u0111\u1ed9 tin c\u1eady nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u00e1c d\u1ef1 \u0111o\u00e1n d\u00e0i h\u1ea1n v\u1ed1n d\u0129 ch\u1ee9a \u0111\u1ef1ng c\u00e1c y\u1ebfu t\u1ed1 kh\u00f4ng ch\u1eafc ch\u1eafn \u0111\u00e1ng k\u1ec3. Ki\u1ec3m tra l\u1ea1i \u0111\u1ecbnh l\u01b0\u1ee3ng cho th\u1ea5y ngay c\u1ea3 c\u00e1c d\u1ef1 \u0111o\u00e1n c\u1ee7a chuy\u00ean gia c\u0169ng ch\u1ec9 \u0111\u1ea1t \u0111\u1ed9 ch\u00ednh x\u00e1c 55-65% sau 18 th\u00e1ng, v\u1edbi bi\u00ean \u0111\u1ed9 sai s\u1ed1 m\u1edf r\u1ed9ng kho\u1ea3ng 12-18% h\u00e0ng n\u0103m. Tuy nhi\u00ean, ph\u00e2n t\u00edch c\u1ea5u tr\u00fac t\u1eadp trung v\u00e0o s\u1ef1 ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh kinh doanh thay v\u00ec m\u1ee5c ti\u00eau gi\u00e1 \u0111\u00e3 ch\u1ee9ng minh \u0111\u1ed9 tin c\u1eady 76-82% trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh \u0111\u00fang h\u01b0\u1edbng. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean xem c\u00e1c d\u1ef1 \u0111o\u00e1n cho n\u0103m 2025 nh\u01b0 c\u00e1c k\u1ecbch b\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 x\u00e1c su\u1ea5t h\u01a1n l\u00e0 c\u00e1c d\u1ef1 b\u00e1o ch\u00ednh x\u00e1c, s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 th\u00f4ng b\u00e1o k\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed v\u00e0 khung qu\u1ea3n l\u00fd r\u1ee7i ro thay v\u00ec quy\u1ebft \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m."},{"question":"C\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt n\u00e0o c\u00f3 gi\u00e1 tr\u1ecb nh\u1ea5t \u0111\u1ec3 ph\u00e2n t\u00edch ti\u1ec1m n\u0103ng d\u00e0i h\u1ea1n c\u1ee7a Yes Bank?","answer":"Trong c\u00e1c khung th\u1eddi gian nhi\u1ec1u n\u0103m, c\u00e1c ch\u1ec9 b\u00e1o c\u1ea5u tr\u00fac v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c dao \u0111\u1ed9ng truy\u1ec1n th\u1ed1ng. C\u1ee5 th\u1ec3, s\u1ef1 h\u00ecnh th\u00e0nh \u0111\u00e1y ba t\u1ea1i \u20b911.20, \u20b912.35, v\u00e0 \u20b914.80 v\u1edbi ch\u1eef k\u00fd kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng 73% cung c\u1ea5p m\u1ed9t n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn. M\u1ee9c tho\u00e1i lui Fibonacci 38.2% t\u1ea1i \u20b922-24 \u0111\u1ea1i di\u1ec7n cho ng\u01b0\u1ee1ng kh\u00e1ng c\u1ef1 quan tr\u1ecdng m\u00e0 n\u1ebfu v\u01b0\u1ee3t qua, theo l\u1ecbch s\u1eed s\u1ebd d\u1eabn \u0111\u1ebfn ho\u00e0n th\u00e0nh m\u00f4 h\u00ecnh \u0111\u1ea7y \u0111\u1ee7 trong 76% tr\u01b0\u1eddng h\u1ee3p. C\u00e1c m\u00f4 h\u00ecnh ph\u00e2n k\u1ef3 RSI h\u00e0ng th\u00e1ng cho th\u1ea5y \u0111\u1ed9 ch\u00ednh x\u00e1c d\u1ef1 \u0111o\u00e1n 82% cho c\u00e1c thay \u0111\u1ed5i xu h\u01b0\u1edbng l\u1edbn khi k\u1ebft h\u1ee3p v\u1edbi x\u00e1c nh\u1eadn kh\u1ed1i l\u01b0\u1ee3ng. Ph\u00e2n t\u00edch h\u1ed3 s\u01a1 kh\u1ed1i l\u01b0\u1ee3ng \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh t\u00edch l\u0169y c\u1ee7a t\u1ed5 ch\u1ee9c \u0111ang h\u00ecnh th\u00e0nh trong ph\u1ea1m vi \u20b912-16 -- th\u01b0\u1eddng d\u1eabn tr\u01b0\u1edbc s\u1ef1 nh\u1eadn bi\u1ebft c\u1ee7a b\u00e1n l\u1ebb t\u1eeb 7-14 th\u00e1ng."},{"question":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a Yes Bank c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn \u0111\u1ecbnh gi\u00e1 c\u1ee7a n\u00f3 v\u00e0o n\u0103m 2025?","answer":"C\u00e1c s\u00e1ng ki\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Yes Bank theo \u0111u\u1ed5i m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn \"\u01b0u ti\u00ean n\u0103ng l\u1ef1c\" kh\u00e1c bi\u1ec7t thay v\u00ec m\u00f4 h\u00ecnh \"\u01b0u ti\u00ean k\u00eanh\" \u0111\u01b0\u1ee3c 73% \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh \u00e1p d\u1ee5ng. S\u1ef1 kh\u00e1c bi\u1ec7t chi\u1ebfn l\u01b0\u1ee3c n\u00e0y mang l\u1ea1i hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n 1,4 l\u1ea7n cho m\u1ed7i rupee \u0111\u1ea7u t\u01b0 so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee5 th\u1ec3 cho th\u1ea5y t\u00e1c \u0111\u1ed9ng ti\u1ec1m n\u0103ng: gi\u1ea3m 42% t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 cho vay b\u00e1n l\u1ebb th\u00f4ng qua th\u1ea9m \u0111\u1ecbnh AI, gi\u1ea3m 28% chi ph\u00ed giao d\u1ecbch th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, v\u00e0 ng\u00e2n h\u00e0ng API t\u1ea1o ra thu nh\u1eadp ph\u00ed \u20b9430 crore (d\u1ef1 ki\u1ebfn \u0111\u1ea1t \u20b91,850-2,200 crore v\u00e0o n\u0103m 2025). R\u1ee7i ro th\u1ef1c hi\u1ec7n v\u1eabn c\u00f2n \u0111\u00e1ng k\u1ec3 (43% c\u00e1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 trong ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea1t m\u1ee5c ti\u00eau), nh\u01b0ng c\u00e1ch ti\u1ebfp c\u1eadn tri\u1ec3n khai theo m\u00f4-\u0111un c\u1ee7a Yes Bank gi\u1ea3m h\u1ed3 s\u01a1 r\u1ee7i ro n\u00e0y kho\u1ea3ng 35% so v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i nguy\u00ean kh\u1ed1i."},{"question":"M\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac v\u1edbi Yes Bank n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p trong m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng?","answer":"M\u00f4 h\u00ecnh danh m\u1ee5c \u0111\u1ea7u t\u01b0 ch\u1ec9 ra r\u1eb1ng ph\u00e2n b\u1ed5 t\u1ed1i \u01b0u thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0. \u0110\u1ed1i v\u1edbi c\u00e1c danh m\u1ee5c b\u1ea3o to\u00e0n v\u1ed1n, m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac t\u1ed1i \u0111a n\u00ean \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 1-2%, ch\u1ee7 y\u1ebfu nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111a d\u1ea1ng h\u00f3a t\u1eadn d\u1ee5ng h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan 0,57 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng c\u1ea5p. \u0110\u1ed1i v\u1edbi c\u00e1c danh m\u1ee5c c\u00e2n b\u1eb1ng, ph\u00e2n b\u1ed5 2-5% cung c\u1ea5p m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 d\u1eebng l\u1ed7 r\u00f5 r\u00e0ng t\u1ea1i m\u1ee9c h\u1ed7 tr\u1ee3 c\u1ea5u tr\u00fac \u20b911.20. C\u00e1c danh m\u1ee5c \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng c\u00f3 th\u1ec3 bi\u1ec7n minh cho m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac 5-8%, t\u1ed1t nh\u1ea5t l\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp th\u00f4ng qua vi\u1ec7c nh\u1eadp c\u1ea3nh theo giai \u0111o\u1ea1n t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt. T\u1ea5t c\u1ea3 c\u00e1c m\u00f4 h\u00ecnh ph\u00e2n b\u1ed5 n\u00ean th\u1ef1c hi\u1ec7n x\u00e1c minh n\u1eafm gi\u1eef khi c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o (\u0111\u1eb7c bi\u1ec7t l\u00e0 ti\u1ebfn tr\u00ecnh NIM, xu h\u01b0\u1edbng GNPA v\u00e0 c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp)."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"C\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ed5 phi\u1ebfu c\u1ee7a Yes Bank v\u00e0o n\u0103m 2025 l\u00e0 g\u00ec?","answer":"Ba danh m\u1ee5c ch\u00ednh s\u1ebd x\u00e1c \u0111\u1ecbnh qu\u1ef9 \u0111\u1ea1o c\u1ee7a Yes Bank: th\u1ef1c thi ho\u1ea1t \u0111\u1ed9ng (gi\u1ea3m GNPA hi\u1ec7n t\u1ea1i t\u1eeb 12,9% xu\u1ed1ng 2,0% cho th\u1ea5y ti\u1ebfn b\u1ed9 m\u1ea1nh m\u1ebd), \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c (chuy\u1ec3n sang 60% cho vay b\u00e1n l\u1ebb cung c\u1ea5p \u00edt h\u01a1n 42% t\u00ednh chu k\u1ef3 so v\u1edbi ti\u1ebfp x\u00fac doanh nghi\u1ec7p), v\u00e0 nh\u1eadn th\u1ee9c th\u1ecb tr\u01b0\u1eddng (P\/B hi\u1ec7n t\u1ea1i 0,8x so v\u1edbi trung b\u00ecnh c\u1ee7a \u0111\u1ed1i th\u1ee7 1,3-1,7x cho th\u1ea5y ti\u1ec1m n\u0103ng \u0111\u1ecbnh gi\u00e1 l\u1ea1i). C\u00e1c y\u1ebfu t\u1ed1 th\u1ee9 c\u1ea5p bao g\u1ed3m th\u00e0nh c\u00f4ng trong tri\u1ec3n khai c\u00f4ng ngh\u1ec7 (\u0111\u1ea7u t\u01b0 hi\u1ec7n t\u1ea1i \u20b91.250 crore mang l\u1ea1i gi\u1ea3m 28% chi ph\u00ed giao d\u1ecbch), \u0111\u1ed9ng l\u1ef1c c\u1ea1nh tranh (quan h\u1ec7 \u0111\u1ed1i t\u00e1c fintech mang l\u1ea1i 8,3% kh\u00e1ch h\u00e0ng m\u1edbi), v\u00e0 ph\u00e1t tri\u1ec3n quy \u0111\u1ecbnh (c\u1ea3i ti\u1ebfn Basel-III c\u00f3 th\u1ec3 t\u0103ng y\u00eau c\u1ea7u v\u1ed1n l\u00ean 150-200bps)."},{"question":"D\u1ef1 \u0111o\u00e1n c\u1ed5 phi\u1ebfu k\u00e9o d\u00e0i \u0111\u1ebfn n\u0103m 2025 c\u00f3 \u0111\u1ed9 tin c\u1eady nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u00e1c d\u1ef1 \u0111o\u00e1n d\u00e0i h\u1ea1n v\u1ed1n d\u0129 ch\u1ee9a \u0111\u1ef1ng c\u00e1c y\u1ebfu t\u1ed1 kh\u00f4ng ch\u1eafc ch\u1eafn \u0111\u00e1ng k\u1ec3. Ki\u1ec3m tra l\u1ea1i \u0111\u1ecbnh l\u01b0\u1ee3ng cho th\u1ea5y ngay c\u1ea3 c\u00e1c d\u1ef1 \u0111o\u00e1n c\u1ee7a chuy\u00ean gia c\u0169ng ch\u1ec9 \u0111\u1ea1t \u0111\u1ed9 ch\u00ednh x\u00e1c 55-65% sau 18 th\u00e1ng, v\u1edbi bi\u00ean \u0111\u1ed9 sai s\u1ed1 m\u1edf r\u1ed9ng kho\u1ea3ng 12-18% h\u00e0ng n\u0103m. Tuy nhi\u00ean, ph\u00e2n t\u00edch c\u1ea5u tr\u00fac t\u1eadp trung v\u00e0o s\u1ef1 ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh kinh doanh thay v\u00ec m\u1ee5c ti\u00eau gi\u00e1 \u0111\u00e3 ch\u1ee9ng minh \u0111\u1ed9 tin c\u1eady 76-82% trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh \u0111\u00fang h\u01b0\u1edbng. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00ean xem c\u00e1c d\u1ef1 \u0111o\u00e1n cho n\u0103m 2025 nh\u01b0 c\u00e1c k\u1ecbch b\u1ea3n c\u00f3 tr\u1ecdng s\u1ed1 x\u00e1c su\u1ea5t h\u01a1n l\u00e0 c\u00e1c d\u1ef1 b\u00e1o ch\u00ednh x\u00e1c, s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 th\u00f4ng b\u00e1o k\u00edch th\u01b0\u1edbc v\u1ecb tr\u00ed v\u00e0 khung qu\u1ea3n l\u00fd r\u1ee7i ro thay v\u00ec quy\u1ebft \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m."},{"question":"C\u00e1c ch\u1ec9 b\u00e1o k\u1ef9 thu\u1eadt n\u00e0o c\u00f3 gi\u00e1 tr\u1ecb nh\u1ea5t \u0111\u1ec3 ph\u00e2n t\u00edch ti\u1ec1m n\u0103ng d\u00e0i h\u1ea1n c\u1ee7a Yes Bank?","answer":"Trong c\u00e1c khung th\u1eddi gian nhi\u1ec1u n\u0103m, c\u00e1c ch\u1ec9 b\u00e1o c\u1ea5u tr\u00fac v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c dao \u0111\u1ed9ng truy\u1ec1n th\u1ed1ng. C\u1ee5 th\u1ec3, s\u1ef1 h\u00ecnh th\u00e0nh \u0111\u00e1y ba t\u1ea1i \u20b911.20, \u20b912.35, v\u00e0 \u20b914.80 v\u1edbi ch\u1eef k\u00fd kh\u1ed1i l\u01b0\u1ee3ng t\u0103ng 73% cung c\u1ea5p m\u1ed9t n\u1ec1n t\u1ea3ng h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn. M\u1ee9c tho\u00e1i lui Fibonacci 38.2% t\u1ea1i \u20b922-24 \u0111\u1ea1i di\u1ec7n cho ng\u01b0\u1ee1ng kh\u00e1ng c\u1ef1 quan tr\u1ecdng m\u00e0 n\u1ebfu v\u01b0\u1ee3t qua, theo l\u1ecbch s\u1eed s\u1ebd d\u1eabn \u0111\u1ebfn ho\u00e0n th\u00e0nh m\u00f4 h\u00ecnh \u0111\u1ea7y \u0111\u1ee7 trong 76% tr\u01b0\u1eddng h\u1ee3p. C\u00e1c m\u00f4 h\u00ecnh ph\u00e2n k\u1ef3 RSI h\u00e0ng th\u00e1ng cho th\u1ea5y \u0111\u1ed9 ch\u00ednh x\u00e1c d\u1ef1 \u0111o\u00e1n 82% cho c\u00e1c thay \u0111\u1ed5i xu h\u01b0\u1edbng l\u1edbn khi k\u1ebft h\u1ee3p v\u1edbi x\u00e1c nh\u1eadn kh\u1ed1i l\u01b0\u1ee3ng. Ph\u00e2n t\u00edch h\u1ed3 s\u01a1 kh\u1ed1i l\u01b0\u1ee3ng \u0111\u1ed9c quy\u1ec1n c\u1ee7a Pocket Option ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh t\u00edch l\u0169y c\u1ee7a t\u1ed5 ch\u1ee9c \u0111ang h\u00ecnh th\u00e0nh trong ph\u1ea1m vi \u20b912-16 -- th\u01b0\u1eddng d\u1eabn tr\u01b0\u1edbc s\u1ef1 nh\u1eadn bi\u1ebft c\u1ee7a b\u00e1n l\u1ebb t\u1eeb 7-14 th\u00e1ng."},{"question":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a Yes Bank c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn \u0111\u1ecbnh gi\u00e1 c\u1ee7a n\u00f3 v\u00e0o n\u0103m 2025?","answer":"C\u00e1c s\u00e1ng ki\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Yes Bank theo \u0111u\u1ed5i m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn \"\u01b0u ti\u00ean n\u0103ng l\u1ef1c\" kh\u00e1c bi\u1ec7t thay v\u00ec m\u00f4 h\u00ecnh \"\u01b0u ti\u00ean k\u00eanh\" \u0111\u01b0\u1ee3c 73% \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh \u00e1p d\u1ee5ng. S\u1ef1 kh\u00e1c bi\u1ec7t chi\u1ebfn l\u01b0\u1ee3c n\u00e0y mang l\u1ea1i hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n 1,4 l\u1ea7n cho m\u1ed7i rupee \u0111\u1ea7u t\u01b0 so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee5 th\u1ec3 cho th\u1ea5y t\u00e1c \u0111\u1ed9ng ti\u1ec1m n\u0103ng: gi\u1ea3m 42% t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 cho vay b\u00e1n l\u1ebb th\u00f4ng qua th\u1ea9m \u0111\u1ecbnh AI, gi\u1ea3m 28% chi ph\u00ed giao d\u1ecbch th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, v\u00e0 ng\u00e2n h\u00e0ng API t\u1ea1o ra thu nh\u1eadp ph\u00ed \u20b9430 crore (d\u1ef1 ki\u1ebfn \u0111\u1ea1t \u20b91,850-2,200 crore v\u00e0o n\u0103m 2025). R\u1ee7i ro th\u1ef1c hi\u1ec7n v\u1eabn c\u00f2n \u0111\u00e1ng k\u1ec3 (43% c\u00e1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 trong ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u1ea1t m\u1ee5c ti\u00eau), nh\u01b0ng c\u00e1ch ti\u1ebfp c\u1eadn tri\u1ec3n khai theo m\u00f4-\u0111un c\u1ee7a Yes Bank gi\u1ea3m h\u1ed3 s\u01a1 r\u1ee7i ro n\u00e0y kho\u1ea3ng 35% so v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i nguy\u00ean kh\u1ed1i."},{"question":"M\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac v\u1edbi Yes Bank n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p trong m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng?","answer":"M\u00f4 h\u00ecnh danh m\u1ee5c \u0111\u1ea7u t\u01b0 ch\u1ec9 ra r\u1eb1ng ph\u00e2n b\u1ed5 t\u1ed1i \u01b0u thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 d\u1ef1a tr\u00ean h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0. \u0110\u1ed1i v\u1edbi c\u00e1c danh m\u1ee5c b\u1ea3o to\u00e0n v\u1ed1n, m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac t\u1ed1i \u0111a n\u00ean \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 1-2%, ch\u1ee7 y\u1ebfu nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p \u0111a d\u1ea1ng h\u00f3a t\u1eadn d\u1ee5ng h\u1ec7 s\u1ed1 t\u01b0\u01a1ng quan 0,57 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng c\u1ea5p. \u0110\u1ed1i v\u1edbi c\u00e1c danh m\u1ee5c c\u00e2n b\u1eb1ng, ph\u00e2n b\u1ed5 2-5% cung c\u1ea5p m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c th\u00f4ng s\u1ed1 d\u1eebng l\u1ed7 r\u00f5 r\u00e0ng t\u1ea1i m\u1ee9c h\u1ed7 tr\u1ee3 c\u1ea5u tr\u00fac \u20b911.20. C\u00e1c danh m\u1ee5c \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng c\u00f3 th\u1ec3 bi\u1ec7n minh cho m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac 5-8%, t\u1ed1t nh\u1ea5t l\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp th\u00f4ng qua vi\u1ec7c nh\u1eadp c\u1ea3nh theo giai \u0111o\u1ea1n t\u1ea1i c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt. T\u1ea5t c\u1ea3 c\u00e1c m\u00f4 h\u00ecnh ph\u00e2n b\u1ed5 n\u00ean th\u1ef1c hi\u1ec7n x\u00e1c minh n\u1eafm gi\u1eef khi c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o (\u0111\u1eb7c bi\u1ec7t l\u00e0 ti\u1ebfn tr\u00ecnh NIM, xu h\u01b0\u1edbng GNPA v\u00e0 c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp)."}]}},"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>D\u1ef1 \u0111o\u00e1n C\u1ed5 phi\u1ebfu Yes Bank 2025: Th\u00f4ng tin chi ti\u1ebft t\u1eeb chuy\u00ean gia \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn \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\/markets\/yes-bank-stock-prediction-2025\/\" 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