{"id":1511,"date":"2026-06-15T01:04:05","date_gmt":"2026-06-14T18:04:05","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=1511"},"modified":"2026-06-15T01:37:38","modified_gmt":"2026-06-14T18:37:38","slug":"loi-nhuan-ngan-hang-viet-nam-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/loi-nhuan-ngan-hang-viet-nam-2026\/","title":{"rendered":"L\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026: SSI v\u00e0 Mirae Asset d\u1ef1 b\u00e1o t\u0103ng ~18%"},"content":{"rendered":"<p class=\"tl-dr-block wp-block-paragraph\"><strong>T\u00f3m t\u1eaft:<\/strong> Ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn hai ch\u1eef s\u1ed1 trong n\u0103m 2026. SSI Research d\u1ef1 b\u00e1o <strong>l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf to\u00e0n ng\u00e0nh t\u0103ng 17,6%<\/strong>, Mirae Asset Vi\u1ec7t Nam d\u1ef1 b\u00e1o <strong>17,9%<\/strong> (Ng\u01b0\u1eddi Quan S\u00e1t, 2026; VnEconomy, 2026). \u0110\u1ed9ng l\u1ef1c ch\u00ednh l\u00e0 t\u00edn d\u1ee5ng t\u0103ng t\u1ed1c tr\u1edf l\u1ea1i - m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng kho\u1ea3ng 15% n\u0103m 2026 - c\u00f9ng v\u1edbi bi\u00ean l\u00e3i r\u00f2ng (NIM) c\u1ea3i thi\u1ec7n t\u1ea1i m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1edbn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FiinRatings (th\u00e1ng 4\/2026) th\u1eadn tr\u1ecdng h\u01a1n v\u1edbi m\u1ee9c d\u1ef1 b\u00e1o 15,9%. DataCore theo d\u00f5i s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh qu\u00fd c\u1ee7a 30+ ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam qua <a href=\"https:\/\/datacore.vn\/vi\/services\/company-intelligence\" target=\"_blank\" rel=\"noopener\">D\u1ecbch v\u1ee5 Company Intelligence<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"960\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank.jpg\" alt=\"Tr\u1ee5 s\u1edf Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam, trung t\u00e2m ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 v\u00e0 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng\" class=\"wp-image-1515\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-300x225.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-1024x768.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-768x576.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-16x12.jpg 16w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c nh\u00e0 ph\u00e2n t\u00edch d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng 2026 nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ba t\u1ed5 ch\u1ee9c nghi\u00ean c\u1ee9u l\u1edbn \u0111\u00e3 c\u00f4ng b\u1ed1 tri\u1ec3n v\u1ecdng ng\u00e0nh ng\u00e2n h\u00e0ng n\u0103m 2026:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Ngu\u1ed3n<\/th><th>D\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn 2026<\/th><th>Th\u1eddi \u0111i\u1ec3m<\/th><\/tr><\/thead><tbody><tr><td>SSI Research<\/td><td>+17,6% l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf so c\u00f9ng k\u1ef3<\/td><td>B\u00e1o c\u00e1o tri\u1ec3n v\u1ecdng 2026<\/td><\/tr><tr><td>Mirae Asset Vi\u1ec7t Nam<\/td><td>+17,9% l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf so c\u00f9ng k\u1ef3<\/td><td>B\u00e1o c\u00e1o tri\u1ec3n v\u1ecdng 2026<\/td><\/tr><tr><td>FiinRatings<\/td><td>+15,9% l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf so c\u00f9ng k\u1ef3<\/td><td>Th\u00e1ng 4\/2026<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bi\u00ean \u0111\u1ed9 d\u1ef1 b\u00e1o t\u1eeb 15,9% \u0111\u1ebfn 17,9% ph\u1ea3n \u00e1nh s\u1ef1 \u0111\u1ed3ng thu\u1eadn t\u01b0\u01a1ng \u0111\u1ed1i v\u1ec1 t\u0103ng tr\u01b0\u1edfng hai ch\u1eef s\u1ed1 to\u00e0n ng\u00e0nh. S\u1ef1 ch\u00eanh l\u1ec7ch \u0111\u1ebfn t\u1eeb gi\u1ea3 \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 t\u1ed1c \u0111\u1ed9 ph\u1ee5c h\u1ed3i NIM v\u00e0 \u00e1p l\u1ef1c chi ph\u00ed v\u1ed1n, ph\u00e2n t\u00edch chi ti\u1ebft \u1edf ph\u1ea7n d\u01b0\u1edbi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u1ede c\u1ea5p \u0111\u1ed9 t\u1eebng ng\u00e2n h\u00e0ng, SSI Research (Ng\u01b0\u1eddi Quan S\u00e1t, 2026) x\u00e1c \u0111\u1ecbnh HDBank (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Ph\u00e1t tri\u1ec3n Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh, HOSE: HDB) d\u1eabn \u0111\u1ea7u v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng tr\u00ean 30%, ti\u1ebfp theo l\u00e0 VPBank (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng, HOSE: VPB) +22,4%, VietinBank (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n C\u00f4ng Th\u01b0\u01a1ng Vi\u1ec7t Nam, HOSE: CTG) +20,6%, v\u00e0 MB (Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Qu\u00e2n \u0111\u1ed9i, HOSE: MBB) +20,2%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u1ea1i sao l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u0103ng t\u1ed1c trong n\u0103m 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hai y\u1ebfu t\u1ed1 c\u1ea5u tr\u00fac \u0111ang th\u00fac \u0111\u1ea9y d\u1ef1 b\u00e1o \u0111\u1ed3ng thu\u1eadn:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. T\u00edn d\u1ee5ng t\u0103ng t\u1ed1c tr\u1edf l\u1ea1i.<\/strong> Sau hai n\u0103m nhu c\u1ea7u vay v\u1ed1n \u1edf m\u1ee9c th\u1ea5p, t\u00edn d\u1ee5ng \u0111ang m\u1edf r\u1ed9ng m\u1ea1nh h\u01a1n. M\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng kho\u1ea3ng 15% n\u0103m 2026 (Mirae Asset Vi\u1ec7t Nam, 2026). Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng c\u00e1 nh\u00e2n cao h\u01a1n \u0111\u00e1ng k\u1ec3: VPBank \u0111\u1ecbnh h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng 35%, MB c\u0169ng \u0111\u1eb7t m\u1ee5c ti\u00eau t\u01b0\u01a1ng t\u1ef1 (Vietnam.vn, 2026). D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng t\u0103ng tr\u1ef1c ti\u1ebfp th\u00fac \u0111\u1ea9y thu nh\u1eadp l\u00e3i thu\u1ea7n (NII) - ngu\u1ed3n thu ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam - ngay c\u1ea3 khi bi\u00ean l\u00e3i r\u00f2ng kh\u00f4ng c\u1ea3i thi\u1ec7n nhi\u1ec1u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. NIM c\u1ea3i thi\u1ec7n c\u00f3 ch\u1ecdn l\u1ecdc t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn.<\/strong> Bi\u00ean l\u00e3i r\u00f2ng (NIM - Net Interest Margin) \u0111\u00e3 gi\u1ea3m xu\u1ed1ng m\u1ee9c trung b\u00ecnh to\u00e0n ng\u00e0nh 2,9% trong n\u0103m 2025, t\u1eeb m\u1ee9c 3,5% n\u0103m 2024, do c\u00e1c ng\u00e2n h\u00e0ng c\u1ea1nh tranh huy \u0111\u1ed9ng v\u1ed1n trong khi duy tr\u00ec l\u00e3i su\u1ea5t cho vay th\u1ea5p \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf (FiinRatings, th\u00e1ng 4\/2026). FiinRatings d\u1ef1 b\u00e1o NIM to\u00e0n ng\u00e0nh v\u1eabn d\u01b0\u1edbi 3% trong n\u0103m 2026. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n t\u1ed1t nh\u01b0 VietinBank (CTG) \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng ph\u1ee5c h\u1ed3i NIM \u0111\u00e1ng k\u1ec3 nh\u1edd ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n c\u1ea3i thi\u1ec7n v\u00e0 n\u1ec1n v\u1ed1n m\u1ea1nh h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ng\u00e2n h\u00e0ng n\u00e0o d\u1eabn \u0111\u1ea7u t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Theo b\u00e1o c\u00e1o tri\u1ec3n v\u1ecdng ng\u00e0nh ng\u00e2n h\u00e0ng 2026 c\u1ee7a SSI Research (Ng\u01b0\u1eddi Quan S\u00e1t, 2026):<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>HDBank (HOSE: HDB)<\/strong> - t\u0103ng tr\u01b0\u1edfng cao nh\u1ea5t, tr\u00ean 30%, nh\u1edd m\u1edf r\u1ed9ng cho vay b\u00e1n l\u1ebb v\u00e0 SME.<\/li><li><strong>VPBank (HOSE: VPB)<\/strong> - +22,4%, nh\u1edd ph\u1ee5c h\u1ed3i t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u00e0 FE Credit.<\/li><li><strong>VietinBank (HOSE: CTG)<\/strong> - +20,6%, \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi ph\u1ee5c h\u1ed3i NIM v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng ch\u1ec9 \u0111\u1ecbnh.<\/li><li><strong>MB (HOSE: MBB)<\/strong> - +20,2%, nh\u1edd c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 CASA v\u00e0 m\u1edf r\u1ed9ng b\u00e1n l\u1ebb.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 s\u1ebd ra sao?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bi\u00ean l\u00e3i r\u00f2ng (NIM - Net Interest Margin) \u0111o l\u01b0\u1eddng ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t cho vay v\u00e0 chi ph\u00ed huy \u0111\u1ed9ng v\u1ed1n, t\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m tr\u00ean t\u1ed5ng t\u00e0i s\u1ea3n sinh l\u1eddi b\u00ecnh qu\u00e2n. \u0110\u00e2y l\u00e0 ch\u1ec9 s\u1ed1 quan tr\u1ecdng nh\u1ea5t khi \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Giai \u0111o\u1ea1n 2024-2025 NIM b\u1ecb n\u00e9n m\u1ea1nh do Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (SBV - State Bank of Vietnam, ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng) y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng h\u1ea1 l\u00e3i su\u1ea5t cho vay \u0111\u1ec3 h\u1ed7 tr\u1ee3 n\u1ec1n kinh t\u1ebf, trong khi l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1eabn \u1edf m\u1ee9c cao do c\u1ea1nh tranh thanh kho\u1ea3n. K\u1ebft qu\u1ea3: NIM trung b\u00ecnh to\u00e0n ng\u00e0nh gi\u1ea3m t\u1eeb 3,5% (2024) xu\u1ed1ng 2,9% (2025), theo b\u00e1o c\u00e1o th\u00e1ng 4\/2026 c\u1ee7a FiinRatings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FiinRatings d\u1ef1 b\u00e1o NIM to\u00e0n ng\u00e0nh ti\u1ebfp t\u1ee5c d\u01b0\u1edbi 3% trong n\u0103m 2026 do c\u1ea1nh tranh l\u00e3i su\u1ea5t huy \u0111\u1ed9ng v\u1eabn ti\u1ebfp di\u1ec5n. Tuy nhi\u00ean, Mirae Asset ghi nh\u1eadn thu nh\u1eadp l\u00e3i thu\u1ea7n (NII) d\u1ef1 ki\u1ebfn t\u0103ng 19,2% n\u0103m 2026 - \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng b\u00f9 \u0111\u1eafp cho NIM m\u1ecfng b\u1eb1ng kh\u1ed1i l\u01b0\u1ee3ng t\u00edn d\u1ee5ng l\u1edbn h\u01a1n nhi\u1ec1u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">DataCore theo d\u00f5i d\u1eef li\u1ec7u t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7t Nam c\u00f3 h\u01a1n 30 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd l\u00ean \u1ee6y ban Ch\u1ee9ng kho\u00e1n Nh\u00e0 n\u01b0\u1edbc (SSC - State Securities Commission of Vietnam) v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (SBV). Theo d\u00f5i NIM, t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u (NPL - Non-Performing Loan) v\u00e0 h\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n (CAR - Capital Adequacy Ratio) tr\u00ean to\u00e0n ng\u00e0nh \u0111\u00f2i h\u1ecfi t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u t\u1eeb nhi\u1ec1u ngu\u1ed3n h\u1ed3 s\u01a1 qu\u1ea3n l\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/datacore.vn\/vi\/services\/company-intelligence\" target=\"_blank\" rel=\"noopener\">D\u1ecbch v\u1ee5 Company Intelligence<\/a> c\u1ee7a DataCore bao ph\u1ee7 30+ ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng Vi\u1ec7t Nam v\u1edbi s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh qu\u00fd \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt trong v\u00e0i ng\u00e0y sau m\u1ed7i k\u1ef3 c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3. Xem chi ti\u1ebft ph\u1ea1m vi d\u1eef li\u1ec7u t\u1ea1i <a href=\"https:\/\/datacore.vn\/vi\/data-domains\/organization\" target=\"_blank\" rel=\"noopener\">mi\u1ec1n d\u1eef li\u1ec7u T\u1ed5 ch\u1ee9c<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c \u0111o l\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 d\u01b0\u1edbi d\u1ea1ng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf, con s\u1ed1 m\u00e0 c\u1ea3 SSI Research v\u00e0 Mirae Asset d\u00f9ng trong d\u1ef1 b\u00e1o to\u00e0n ng\u00e0nh. N\u00f3 \u0111\u01b0\u1ee3c c\u1ea5u th\u00e0nh t\u1eeb thu nh\u1eadp l\u00e3i thu\u1ea7n, thu nh\u1eadp t\u1eeb ph\u00ed d\u1ecbch v\u1ee5 v\u00e0 c\u00e1c kho\u1ea3n thu kh\u00e1c, sau khi tr\u1eeb chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng v\u00e0 chi ph\u00ed d\u1ef1 ph\u00f2ng t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thu nh\u1eadp l\u00e3i thu\u1ea7n l\u00e0 c\u1ea5u ph\u1ea7n l\u1edbn nh\u1ea5t c\u1ee7a l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i thu t\u1eeb cho vay v\u00e0 l\u00e3i tr\u1ea3 cho ti\u1ec1n g\u1eedi, nh\u00e2n v\u1edbi quy m\u00f4 d\u01b0 n\u1ee3. Thu nh\u1eadp t\u1eeb ph\u00ed th\u1ebb, thanh to\u00e1n v\u00e0 bancassurance t\u1ea1o th\u00eam m\u1ed9t l\u1edbp \u00edt nh\u1ea1y c\u1ea3m v\u1edbi l\u00e3i su\u1ea5t h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u1ebfu t\u1ed1 cu\u1ed1i c\u00f9ng l\u00e0 d\u1ef1 ph\u00f2ng. Khi ng\u00e2n h\u00e0ng tr\u00edch l\u1eadp nhi\u1ec1u h\u01a1n cho n\u1ee3 x\u1ea5u, l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng ghi nh\u1eadn s\u1ebd gi\u1ea3m d\u00f9 doanh thu l\u00f5i v\u1eabn t\u1ed1t. V\u00ec v\u1eady ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c theo d\u00f5i s\u00e1t nh\u01b0 t\u0103ng tr\u01b0\u1edfng doanh thu.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch.jpg\" alt=\"Chi nh\u00e1nh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam ph\u1ea3n \u00e1nh t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng n\u0103m 2026\" class=\"wp-image-1516\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch-300x169.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch-1024x576.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch-768x432.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-branch-18x10.jpg 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u g\u00ec th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng n\u0103m 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed1n y\u1ebfu t\u1ed1 \u0111\u1ecbnh h\u00ecnh t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng n\u0103m 2026. Th\u1ee9 nh\u1ea5t l\u00e0 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam giao h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng h\u1eb1ng n\u0103m cho to\u00e0n h\u1ec7 th\u1ed1ng, v\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p h\u1ea1n m\u1ee9c cao h\u01a1n c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng d\u01b0 n\u1ee3 nhanh h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u1ebfu t\u1ed1 th\u1ee9 hai l\u00e0 bi\u00ean l\u00e3i r\u00f2ng (NIM), ch\u00eanh l\u1ec7ch sinh l\u1eddi tr\u00ean t\u00e0i s\u1ea3n. NIM \u1ed5n \u0111\u1ecbnh ho\u1eb7c m\u1edf r\u1ed9ng s\u1ebd n\u00e2ng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng, trong khi NIM thu h\u1eb9p s\u1ebd k\u00ecm h\u00e3m. Y\u1ebfu t\u1ed1 th\u1ee9 ba l\u00e0 t\u1ef7 l\u1ec7 CASA, t\u1ee9c t\u1ef7 tr\u1ecdng ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n chi ph\u00ed th\u1ea5p, gi\u00fap h\u1ea1 chi ph\u00ed v\u1ed1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u1ebfu t\u1ed1 th\u1ee9 t\u01b0 l\u00e0 thu nh\u1eadp t\u1eeb ph\u00ed. Ng\u00e2n h\u00e0ng t\u0103ng \u0111\u01b0\u1ee3c doanh thu th\u1ebb, thanh to\u00e1n v\u00e0 bancassurance s\u1ebd \u0111a d\u1ea1ng h\u00f3a l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng, b\u1edbt ph\u1ee5 thu\u1ed9c v\u00e0o cho vay. C\u1ea3 SSI v\u00e0 Mirae Asset \u0111\u1ec1u cho r\u1eb1ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 NIM h\u1ed3i ph\u1ee5c l\u00e0 l\u00fd do ch\u00ednh khi\u1ebfn d\u1ef1 b\u00e1o 2026 \u1edf m\u1ee9c g\u1ea7n +18%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SSI v\u00e0 Mirae Asset x\u00e2y d\u1ef1ng d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng ra sao?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea3 hai \u0111\u01a1n v\u1ecb \u0111\u1ec1u x\u00e2y d\u1ef1ng d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng theo h\u01b0\u1edbng bottom-up, m\u00f4 h\u00ecnh h\u00f3a t\u0103ng tr\u01b0\u1edfng cho vay, NIM, thu nh\u1eadp ph\u00ed v\u00e0 chi ph\u00ed t\u00edn d\u1ee5ng c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, r\u1ed3i t\u1ed5ng h\u1ee3p th\u00e0nh con s\u1ed1 to\u00e0n ng\u00e0nh. SSI Research \u0111\u01b0a ra m\u1ee9c t\u0103ng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf +17,6% cho n\u0103m 2026, c\u00f2n Mirae Asset Vietnam m\u00f4 h\u00ecnh h\u00f3a \u1edf m\u1ee9c +17,9% (Nguoi Quan Sat, 2026; VnEconomy, 2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hai \u01b0\u1edbc t\u00ednh ch\u00eanh nhau kho\u1ea3ng 0,3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, m\u1ee9c r\u1ea5t s\u00e1t. S\u1ef1 h\u1ed9i t\u1ee5 n\u00e0y t\u1ef1 n\u00f3 l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u: c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ed9c l\u1eadp v\u1edbi gi\u1ea3 \u0111\u1ecbnh kh\u00e1c nhau c\u00f9ng ch\u1ec9 v\u1ec1 m\u1ed9t qu\u1ef9 \u0111\u1ea1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng cho n\u0103m 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m kh\u00e1c bi\u1ec7t n\u1eb1m \u1edf c\u01a1 c\u1ea5u. M\u1ed9t b\u00ean c\u00f3 th\u1ec3 nghi\u00eang v\u1ec1 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng nhanh h\u01a1n, b\u00ean kia v\u1ec1 NIM h\u1ed3i ph\u1ee5c m\u1ea1nh h\u01a1n, d\u00f9 con s\u1ed1 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng t\u1ed5ng th\u1ec3 t\u01b0\u01a1ng t\u1ef1 nhau.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong.jpg\" alt=\"Ti\u1ec1n \u0111\u1ed3ng Vi\u1ec7t Nam minh h\u1ecda l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng v\u00e0 bi\u00ean l\u00e3i r\u00f2ng NIM\" class=\"wp-image-1518\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong.jpg 1080w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong-300x300.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong-1024x1024.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong-150x150.jpg 150w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong-768x768.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-dong-12x12.jpg 12w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng r\u1ee7i ro n\u00e0o v\u1edbi tri\u1ec3n v\u1ecdng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">R\u1ee7i ro l\u1edbn nh\u1ea5t v\u1edbi l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng l\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n. N\u1ebfu n\u1ee3 x\u1ea5u (NPL) t\u0103ng nhanh h\u01a1n d\u1ef1 ki\u1ebfn, ng\u00e2n h\u00e0ng ph\u1ea3i t\u0103ng tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng, tr\u1ef1c ti\u1ebfp l\u00e0m gi\u1ea3m l\u1ee3i nhu\u1eadn ghi nh\u1eadn. M\u1ee9c \u0111\u1ed9 li\u00ean quan \u0111\u1ebfn b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p l\u00e0 k\u00eanh \u0111\u01b0\u1ee3c gi\u1edbi ph\u00e2n t\u00edch theo d\u00f5i s\u00e1t nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u1ee7i ro th\u1ee9 hai l\u00e0 NIM thu h\u1eb9p. N\u1ebfu c\u1ea1nh tranh huy \u0111\u1ed9ng \u0111\u1ea9y chi ph\u00ed v\u1ed1n t\u0103ng nhanh h\u01a1n l\u00e3i su\u1ea5t cho vay, ch\u00eanh l\u1ec7ch t\u1ea1o ra l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng s\u1ebd co l\u1ea1i. Bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t to\u00e0n c\u1ea7u v\u00e0 thanh kho\u1ea3n trong n\u01b0\u1edbc \u0111\u1ec1u t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn \u0111i\u1ec1u n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u1ee7i ro th\u1ee9 ba l\u00e0 kh\u00e2u th\u1ef1c thi. H\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng l\u00e0 m\u1ee5c ti\u00eau, kh\u00f4ng ph\u1ea3i b\u1ea3o \u0111\u1ea3m, v\u00e0 c\u1ea7u t\u00edn d\u1ee5ng y\u1ebfu h\u01a1n s\u1ebd l\u00e0m ch\u1eadm l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng d\u00f9 b\u1ed1i c\u1ea3nh ch\u00ednh s\u00e1ch thu\u1eadn l\u1ee3i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00ec sao l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng quan tr\u1ecdng v\u1edbi th\u1ecb tr\u01b0\u1eddng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng l\u00e0 nh\u00f3m c\u00f3 t\u1ef7 tr\u1ecdng l\u1edbn nh\u1ea5t trong th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n Vi\u1ec7t Nam theo v\u1ed1n h\u00f3a ch\u1ec9 s\u1ed1, n\u00ean xu h\u01b0\u1edbng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng \u1ea3nh h\u01b0\u1edfng m\u1ea1nh \u0111\u1ebfn l\u1ee3i nhu\u1eadn to\u00e0n th\u1ecb tr\u01b0\u1eddng. M\u1ed9t n\u0103m l\u1ee3i nhu\u1eadn hai ch\u1eef s\u1ed1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd n\u00e2ng l\u1ee3i nhu\u1eadn t\u1ed5ng h\u1ee3p c\u1ee7a VN-Index v\u00e0 h\u1ed7 tr\u1ee3 \u0111\u1ecbnh gi\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng t\u00e0i tr\u1ee3 cho n\u1ec1n kinh t\u1ebf th\u1ef1c. T\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng nhanh v\u00e0 \u0111\u01b0\u1ee3c tr\u00edch l\u1eadp \u0111\u1ea7y \u0111\u1ee7, v\u1ed1n th\u00fac \u0111\u1ea9y l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng, th\u01b0\u1eddng \u0111i c\u00f9ng s\u1ea3n xu\u1ea5t, b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 ti\u00eau d\u00f9ng m\u1ea1nh h\u01a1n. V\u1edbi nh\u00e0 \u0111\u1ea7u t\u01b0, tri\u1ec3n v\u1ecdng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng l\u00e0 ch\u1ec9 b\u00e1o cho c\u1ea3 ng\u00e0nh t\u00e0i ch\u00ednh l\u1eabn c\u00e2u chuy\u1ec7n t\u0103ng tr\u01b0\u1edfng 2026 r\u1ed9ng h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c thu\u1eadt ng\u1eef ch\u00ednh v\u1ec1 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>L\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf:<\/strong> con s\u1ed1 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng ch\u00ednh d\u00f9ng trong d\u1ef1 b\u00e1o c\u1ee7a SSI v\u00e0 Mirae Asset.<\/li><li><strong>NIM (bi\u00ean l\u00e3i r\u00f2ng):<\/strong> ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i su\u1ea5t cho vay v\u00e0 chi ph\u00ed v\u1ed1n.<\/li><li><strong>T\u1ef7 l\u1ec7 CASA:<\/strong> t\u1ef7 tr\u1ecdng ti\u1ec1n g\u1eedi kh\u00f4ng k\u1ef3 h\u1ea1n chi ph\u00ed th\u1ea5p trong t\u1ed5ng huy \u0111\u1ed9ng.<\/li><li><strong>NPL (n\u1ee3 x\u1ea5u):<\/strong> kho\u1ea3n vay kh\u00f3 thu h\u1ed3i \u0111\u1ea7y \u0111\u1ee7; NPL cao l\u00e0m gi\u1ea3m l\u1ee3i nhu\u1eadn qua tr\u00edch l\u1eadp.<\/li><li><strong>CIR (chi ph\u00ed tr\u00ean thu nh\u1eadp):<\/strong> chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng so v\u1edbi doanh thu; CIR th\u1ea5p h\u1ed7 tr\u1ee3 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng.<\/li><li><strong>ROE (l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu):<\/strong> l\u1ee3i nhu\u1eadn so v\u1edbi v\u1ed1n c\u1ed5 \u0111\u00f4ng, th\u01b0\u1edbc \u0111o so s\u00e1nh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">H\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1ea3nh h\u01b0\u1edfng th\u1ebf n\u00e0o \u0111\u1ebfn l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed7i n\u0103m Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ph\u00e2n b\u1ed5 h\u1ea1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho t\u1eebng ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n m\u1ea1nh v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n t\u1ed1t th\u01b0\u1eddng \u0111\u01b0\u1ee3c h\u1ea1n m\u1ee9c l\u1edbn h\u01a1n, c\u00f3 th\u00eam d\u01b0 \u0111\u1ecba t\u0103ng d\u01b0 n\u1ee3 v\u00e0, n\u1ebfu gi\u1eef \u0111\u01b0\u1ee3c bi\u00ean l\u00e3i, th\u00eam d\u01b0 \u0111\u1ecba t\u0103ng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ea1n m\u1ee9c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh trong n\u0103m v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 l\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng kh\u1ecfe m\u1ea1nh h\u01a1n. C\u01a1 ch\u1ebf n\u00e0y l\u00fd gi\u1ea3i v\u00ec sao m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ea7u t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng to\u00e0n ng\u00e0nh trong khi s\u1ed1 kh\u00e1c t\u1ee5t l\u1ea1i.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"558\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline.jpg\" alt=\"To\u00e0n c\u1ea3nh t\u00e0i ch\u00ednh Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh g\u1eafn v\u1edbi d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng 2026\" class=\"wp-image-1519\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline.jpg 1280w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline-300x131.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline-1024x446.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline-768x335.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-skyline-18x8.jpg 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Theo d\u00f5i ch\u1ec9 s\u1ed1 n\u00e0o \u0111\u1ec3 bi\u1ebft d\u1ef1 b\u00e1o c\u00f3 \u0111\u00fang h\u01b0\u1edbng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed7i qu\u00fd, h\u00e3y theo d\u00f5i n\u0103m con s\u1ed1: t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng so v\u1edbi m\u1ee5c ti\u00eau n\u0103m, xu h\u01b0\u1edbng NIM, t\u1ef7 l\u1ec7 CASA, t\u1ef7 l\u1ec7 NPL v\u00e0 t\u1ef7 l\u1ec7 bao ph\u1ee7 d\u1ef1 ph\u00f2ng. C\u00f9ng nhau, ch\u00fang cho th\u1ea5y l\u1ed9 tr\u00ecnh l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng quanh m\u1ee9c +18% m\u00e0 SSI v\u00e0 Mirae Asset v\u1ea1ch ra c\u00f3 c\u00f2n nguy\u00ean v\u1eb9n hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t qu\u00fd m\u00e0 NIM \u1ed5n \u0111\u1ecbnh v\u00e0 NPL \u0111i ngang l\u00e0 x\u00e1c nh\u1eadn r\u00f5 nh\u1ea5t r\u1eb1ng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng \u0111ang b\u00e1m s\u00e1t d\u1ef1 b\u00e1o. M\u1ed9t c\u00fa nh\u1ea3y v\u1ec1 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng l\u00e0 c\u1ea3nh b\u00e1o r\u00f5 nh\u1ea5t r\u1eb1ng tri\u1ec3n v\u1ecdng \u0111ang x\u1ea5u \u0111i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110\u1ecdc b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 kinh doanh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi\u1ec3u d\u1ef1 b\u00e1o b\u1eaft \u0111\u1ea7u t\u1eeb b\u00e1o c\u00e1o k\u1ebft qu\u1ea3 kinh doanh. D\u00f2ng \u0111\u1ea7u ti\u00ean l\u00e0 thu nh\u1eadp l\u00e3i thu\u1ea7n, ch\u00eanh l\u1ec7ch gi\u1eefa l\u00e3i thu t\u1eeb cho vay v\u00e0 ch\u1ee9ng kho\u00e1n v\u1edbi l\u00e3i tr\u1ea3 cho ti\u1ec1n g\u1eedi v\u00e0 \u0111i vay. D\u00f2ng n\u00e0y chi ph\u1ed1i ph\u1ea7n l\u1edbn k\u1ebft qu\u1ea3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00ean d\u01b0\u1edbi l\u00e0 thu nh\u1eadp ngo\u00e0i l\u00e3i: ph\u00ed th\u1ebb v\u00e0 thanh to\u00e1n, hoa h\u1ed3ng bancassurance, ngo\u1ea1i h\u1ed1i v\u00e0 l\u00e3i t\u1eeb ch\u1ee9ng kho\u00e1n. M\u1ed9t n\u1ec1n t\u1ea3ng ph\u00ed \u0111a d\u1ea1ng v\u00e0 l\u00e0nh m\u1ea1nh gi\u00fap l\u1ee3i nhu\u1eadn \u00edt nh\u1ea1y c\u1ea3m v\u1edbi bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo l\u00e0 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, ph\u1ea3n \u00e1nh qua t\u1ef7 l\u1ec7 CIR. Ng\u00e2n h\u00e0ng gi\u1eef t\u1ef7 l\u1ec7 n\u00e0y th\u1ea5p s\u1ebd chuy\u1ec3n h\u00f3a nhi\u1ec1u doanh thu th\u00e0nh l\u1ee3i nhu\u1eadn h\u01a1n. Sau khi tr\u1eeb chi ph\u00ed d\u1ef1 ph\u00f2ng r\u1ee7i ro t\u00edn d\u1ee5ng, ph\u1ea7n c\u00f2n l\u1ea1i l\u00e0 l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf, con s\u1ed1 m\u00e0 SSI v\u00e0 Mirae Asset d\u1ef1 b\u00e1o, r\u1ed3i \u0111\u1ebfn l\u1ee3i nhu\u1eadn sau thu\u1ebf.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110\u1ecdc th\u00eam t\u1eeb DataCore<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 theo d\u00f5i l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n ng\u00e0nh c\u1ea7n thu th\u1eadp b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd, chu\u1ea9n h\u00f3a tr\u00ean c\u00f9ng m\u1ed9t c\u01a1 s\u1edf v\u00e0 so s\u00e1nh NIM, CASA, tr\u00edch l\u1eadp gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng. DataCore c\u1ea5u tr\u00fac d\u1eef li\u1ec7u t\u00e0i ch\u00ednh n\u00e0y \u0111\u1ec3 nh\u00e0 ph\u00e2n t\u00edch s\u00e0ng l\u1ecdc to\u00e0n b\u1ed9 ng\u00e0nh ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft \u1edf m\u1ed9t n\u01a1i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Xem th\u00eam <a href=\"https:\/\/blog.datacore.vn\/vi\/bang-xep-hang-mo-hinh-ai-airank-datacore\/\">b\u1ea3ng x\u1ebfp h\u1ea1ng m\u00f4 h\u00ecnh AI<\/a> v\u00e0 h\u01b0\u1edbng d\u1eabn <a href=\"https:\/\/blog.datacore.vn\/vi\/dau-tu-ai-viet-nam-2026\/\">\u0111\u1ea7u t\u01b0 AI Vi\u1ec7t Nam 2026<\/a> c\u1ee7a ch\u00fang t\u00f4i. C\u1ea3 hai cho th\u1ea5y c\u00e1ch DataCore bi\u1ebfn d\u1eef li\u1ec7u th\u00f4 th\u00e0nh t\u00edn hi\u1ec7u h\u1ed7 tr\u1ee3 quy\u1ebft \u0111\u1ecbnh v\u1ec1 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng v\u00e0 h\u01a1n th\u1ebf.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u1ebft lu\u1eadn v\u1ec1 tri\u1ec3n v\u1ecdng l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hai \u0111\u01a1n v\u1ecb nghi\u00ean c\u1ee9u \u0111\u1ed9c l\u1eadp, SSI v\u00e0 Mirae Asset, \u0111\u1ec1u th\u1ea5y l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng t\u0103ng g\u1ea7n +18% trong n\u0103m 2026, nh\u1edd t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u00e0 NIM h\u1ed3i ph\u1ee5c. R\u1ee7i ro t\u1eadp trung \u1edf ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 \u00e1p l\u1ef1c bi\u00ean l\u00e3i h\u01a1n l\u00e0 \u1edf c\u1ea7u t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1edbi nh\u00e0 ph\u00e2n t\u00edch v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, \u0111i\u1ec1u th\u1ef1c ti\u1ec5n l\u00e0 theo d\u00f5i c\u00e1c \u0111\u1ed9ng l\u1ef1c h\u1eb1ng qu\u00fd: t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, NIM, CASA v\u00e0 tr\u00edch l\u1eadp, thay v\u00ec ch\u1ec9 nh\u00ecn con s\u1ed1 ti\u00eau \u0111\u1ec1. \u0110\u00f3 l\u00e0 c\u00e1ch b\u1ea1n bi\u1ebft s\u1edbm li\u1ec7u d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng 2026 \u0111ang \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng, v\u01b0\u1ee3t qua hay kh\u00f4ng \u0111\u1ea1t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ecfi: Con s\u1ed1 t\u0103ng 18% l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 ch\u00ednh x\u00e1c kh\u00f4ng?<\/strong><br\/>\u0110\u00e1p: \u0110\u00e2y l\u00e0 con s\u1ed1 l\u00e0m tr\u00f2n. SSI Research d\u1ef1 b\u00e1o 17,6% v\u00e0 Mirae Asset d\u1ef1 b\u00e1o 17,9% t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf to\u00e0n ng\u00e0nh n\u0103m 2026. FiinRatings th\u1eadn tr\u1ecdng h\u01a1n \u1edf m\u1ee9c 15,9%. Bi\u00ean \u0111\u1ed9 d\u1ef1 b\u00e1o t\u1eeb 15,9% \u0111\u1ebfn 17,9%; l\u00e0m tr\u00f2n l\u00ean ~18% ph\u1ea3n \u00e1nh c\u1eadn tr\u00ean c\u1ee7a \u0111\u1ed3ng thu\u1eadn ph\u00e2n t\u00edch ch\u00ednh th\u1ed1ng t\u00ednh \u0111\u1ebfn gi\u1eefa n\u0103m 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ecfi: Ng\u00e2n h\u00e0ng n\u00e0o \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn nhanh nh\u1ea5t n\u0103m 2026?<\/strong><br\/>\u0110\u00e1p: HDBank (HOSE: HDB) d\u1eabn \u0111\u1ea7u danh s\u00e1ch d\u1ef1 b\u00e1o c\u1ee7a SSI Research n\u0103m 2026 v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng tr\u00ean 30%, ti\u1ebfp theo l\u00e0 VPBank (22,4%), VietinBank (20,6%), v\u00e0 MB (20,2%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ecfi: NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 ph\u1ee5c h\u1ed3i trong n\u0103m 2026 kh\u00f4ng?<\/strong><br\/>\u0110\u00e1p: Kh\u00f4ng tr\u00ean di\u1ec7n r\u1ed9ng to\u00e0n ng\u00e0nh. FiinRatings d\u1ef1 b\u00e1o NIM to\u00e0n ng\u00e0nh ti\u1ebfp t\u1ee5c d\u01b0\u1edbi 3% trong n\u0103m 2026, gi\u1ea3m so v\u1edbi m\u1ee9c \u0111\u1ec9nh ~3,5% n\u0103m 2024. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 v\u1ed1n t\u1ed1t nh\u01b0 VietinBank (CTG) v\u00e0 VIB \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng c\u1ea3i thi\u1ec7n NIM c\u00f3 ch\u1ecdn l\u1ecdc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ecfi: \u0110i\u1ec1u g\u00ec th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng Vi\u1ec7t Nam n\u0103m 2026?<\/strong><br\/>\u0110\u00e1p: Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (SBV) \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng to\u00e0n h\u1ec7 th\u1ed1ng kho\u1ea3ng 15% cho n\u0103m 2026. Ph\u1ee5c h\u1ed3i di\u1ec5n ra sau hai n\u0103m nhu c\u1ea7u vay y\u1ebfu. T\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, cho vay SME v\u00e0 t\u00edn d\u1ee5ng li\u00ean quan b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 c\u00e1c ph\u00e2n kh\u00fac t\u0103ng tr\u01b0\u1edfng ch\u00ednh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ecfi: DataCore l\u1ea5y d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1eeb \u0111\u00e2u?<\/strong><br\/>\u0110\u00e1p: DataCore t\u1ed5ng h\u1ee3p s\u1ed1 li\u1ec7u t\u00e0i ch\u00ednh qu\u00fd c\u00f3 c\u1ea5u tr\u00fac t\u1eeb h\u1ed3 s\u01a1 c\u00f4ng b\u1ed1 th\u00f4ng tin l\u00ean SSC v\u00e0 SBV, bao ph\u1ee7 30+ ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. D\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt trong v\u00e0i ng\u00e0y sau m\u1ed7i k\u1ef3 b\u00e1o c\u00e1o qu\u00fd v\u00e0 truy c\u1eadp qua <a href=\"https:\/\/datacore.vn\/vi\/services\/company-intelligence\" target=\"_blank\" rel=\"noopener\">D\u1ecbch v\u1ee5 Company Intelligence<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ngu\u1ed3n: SSI Research tri\u1ec3n v\u1ecdng ng\u00e0nh ng\u00e2n h\u00e0ng 2026 qua <a href=\"https:\/\/nguoiquansat.vn\/ssi-du-bao-hdbank-vpbank-mb-va-vietinbank-dan-dau-tang-truong-loi-nhuan-nam-2026-296815.html\" target=\"_blank\" rel=\"noopener\">Ng\u01b0\u1eddi Quan S\u00e1t<\/a>; Mirae Asset Vi\u1ec7t Nam tri\u1ec3n v\u1ecdng 2026 qua <a href=\"https:\/\/vneconomy.vn\/du-bao-loi-nhuan-nhom-ngan-hang-tang-16-trong-nam-2026.htm\" target=\"_blank\" rel=\"noopener\">VnEconomy<\/a>; FiinRatings Tri\u1ec3n v\u1ecdng Ng\u00e0nh Ng\u00e2n h\u00e0ng FY2025 v\u00e0 2026 (th\u00e1ng 4\/2026) qua <a href=\"https:\/\/theinvestor.vn\/vietnam-banks-face-tightening-margins-liquidity-pressures-in-2026-d18912.html\" target=\"_blank\" rel=\"noopener\">The Investor<\/a>.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00f3m t\u1eaft: Ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn hai ch\u1eef s\u1ed1 trong n\u0103m 2026. SSI Research d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf to\u00e0n ng\u00e0nh t\u0103ng 17,6%, Mirae Asset Vi\u1ec7t Nam d\u1ef1 b\u00e1o 17,9% (Ng\u01b0\u1eddi Quan S\u00e1t, 2026; VnEconomy, 2026). \u0110\u1ed9ng l\u1ef1c ch\u00ednh l\u00e0 t\u00edn d\u1ee5ng t\u0103ng t\u1ed1c tr\u1edf l\u1ea1i [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":1515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_uag_custom_page_level_css":"","_swt_meta_header_display":false,"_swt_meta_footer_display":false,"_swt_meta_site_title_display":false,"_swt_meta_sticky_header":false,"_swt_meta_transparent_header":false,"footnotes":""},"categories":[19],"tags":[544,691,694,697,700],"class_list":["post-1511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","tag-dc-2026-w24-vi-vi","tag-loi-nhuan-ngan-hang-vi","tag-mirae-asset-vi-vi","tag-ngan-hang-viet-nam-vi","tag-ssi-vi-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank.jpg",1280,960,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-300x225.jpg",300,225,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-768x576.jpg",768,576,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-1024x768.jpg",1024,768,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank.jpg",1280,960,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank.jpg",1280,960,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/06\/vietnam-bank-profit-state-bank-16x12.jpg",16,12,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"T\u00f3m t\u1eaft: Ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn hai ch\u1eef s\u1ed1 trong n\u0103m 2026. SSI Research d\u1ef1 b\u00e1o l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf to\u00e0n ng\u00e0nh t\u0103ng 17,6%, Mirae Asset Vi\u1ec7t Nam d\u1ef1 b\u00e1o 17,9% (Ng\u01b0\u1eddi Quan S\u00e1t, 2026; VnEconomy, 2026). \u0110\u1ed9ng l\u1ef1c ch\u00ednh l\u00e0 t\u00edn d\u1ee5ng t\u0103ng t\u1ed1c tr\u1edf l\u1ea1i&hellip;","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/1511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/comments?post=1511"}],"version-history":[{"count":2,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/1511\/revisions"}],"predecessor-version":[{"id":1521,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/1511\/revisions\/1521"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/1515"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=1511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=1511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=1511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}