{"id":4336,"date":"2026-08-29T11:59:58","date_gmt":"2026-08-29T04:59:58","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=4336"},"modified":"2026-08-29T12:00:00","modified_gmt":"2026-08-29T05:00:00","slug":"nim-ngan-hang-viet-nam-2026","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/vi\/nim-ngan-hang-viet-nam-2026\/","title":{"rendered":"NIM Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam 2026: \u0110\u00e0 Ph\u1ee5c H\u1ed3i \u0110\u00e1ng Ch\u00fa \u00dd"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>T\u00f3m t\u1eaft:<\/strong> D\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 m\u1edbi nh\u1ea5t t\u1eeb b\u00e1o c\u00e1o ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ee7a CafeF (24\/8\/2026) cho th\u1ea5y bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn, trong khi b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng r\u1ee7i ro to\u00e0n ng\u00e0nh l\u1ea1i m\u1ecfng d\u1ea7n. V\u1edbi ng\u01b0\u1eddi theo d\u00f5i d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, hai xu h\u01b0\u1edbng n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecdc c\u00f9ng nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e1o c\u00e1o ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f4ng b\u1ed1 tr\u00ean CafeF ng\u00e0y 24 th\u00e1ng 8 n\u0103m 2026 ch\u1ec9 ra m\u1ed9t c\u1eb7p xu h\u01b0\u1edbng \u0111\u00e1ng ch\u00fa \u00fd: bi\u00ean l\u00e3i r\u00f2ng (NIM) c\u1ea3i thi\u1ec7n t\u1ea1i Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Qu\u00e2n \u0111\u1ed9i (MB Bank, m\u00e3 c\u1ed5 phi\u1ebfu MBB, ng\u00e0nh ng\u00e2n h\u00e0ng), Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n K\u1ef9 Th\u01b0\u01a1ng Vi\u1ec7t Nam (Techcombank, m\u00e3 c\u1ed5 phi\u1ebfu TCB, ng\u00e0nh ng\u00e2n h\u00e0ng), v\u00e0 Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n Ngo\u1ea1i th\u01b0\u01a1ng Vi\u1ec7t Nam (Vietcombank, m\u00e3 c\u1ed5 phi\u1ebfu VCB, ng\u00e0nh ng\u00e2n h\u00e0ng), trong khi b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng r\u1ee7i ro to\u00e0n ng\u00e0nh \u0111ang m\u1ecfng d\u1ea7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bi\u00ean l\u00e3i r\u00f2ng t\u0103ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c xem l\u00e0 t\u00edn hi\u1ec7u t\u00edch c\u1ef1c, nh\u01b0ng b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng h\u01a1n l\u1ea1i thay \u0111\u1ed5i c\u00e1ch \u0111\u1ecdc \u0111\u00f3. B\u00e0i vi\u1ebft n\u00e0y ph\u00e2n t\u00edch \u0111i\u1ec1u g\u00ec \u0111ang th\u00fac \u0111\u1ea9y \u0111\u00e0 ph\u1ee5c h\u1ed3i NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026, v\u00ec sao xu h\u01b0\u1edbng d\u1ef1 ph\u00f2ng \u0111\u00e1ng quan t\u00e2m, v\u00e0 c\u00e1ch theo d\u00f5i NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 c\u00f9ng d\u1eef li\u1ec7u d\u1ef1 ph\u00f2ng b\u1eb1ng d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng c\u00f3 c\u1ea5u tr\u00fac thay v\u00ec ch\u1ec9 \u0111\u1ecdc ti\u00eau \u0111\u1ec1.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore.jpg\" alt=\"Bi\u1ec3u \u0111\u1ed3 xu h\u01b0\u1edbng NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 cho th\u1ea5y bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n\" class=\"wp-image-4325\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-300x158.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-1024x538.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-768x403.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-18x9.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u G\u00ec \u0110ang Th\u00fac \u0110\u1ea9y \u0110\u00e0 Ph\u1ee5c H\u1ed3i NIM Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bi\u00ean l\u00e3i r\u00f2ng l\u00e0 kho\u1ea3ng c\u00e1ch gi\u1eefa l\u00e3i su\u1ea5t cho vay ng\u00e2n h\u00e0ng thu \u0111\u01b0\u1ee3c v\u00e0 l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng ph\u1ea3i tr\u1ea3, t\u00ednh theo t\u1ef7 l\u1ec7 tr\u00ean t\u00e0i s\u1ea3n sinh l\u1eddi. Trong giai \u0111o\u1ea1n 2023-2025, c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ch\u1ecbu \u00e1p l\u1ef1c thu h\u1eb9p bi\u00ean l\u00e3i r\u00f2ng do c\u1ea1nh tranh huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea9y chi ph\u00ed v\u1ed1n l\u00ean cao, trong khi l\u00e3i su\u1ea5t cho vay v\u1eabn ch\u1ecbu s\u1ee9c \u00e9p t\u1eeb c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u00edn d\u1ee5ng \u0111\u1ecbnh h\u01b0\u1edbng v\u00e0 chu k\u1ef3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n ch\u1eadm l\u1ea1i. B\u00e1o c\u00e1o CafeF ng\u00e0y 24\/8\/2026 ch\u1ec9 ra <strong>NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026<\/strong> \u0111ang c\u1ea3i thi\u1ec7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng v\u1ed1n h\u00f3a l\u1edbn nh\u01b0 MB Bank, Techcombank v\u00e0 Vietcombank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e1o c\u00e1o g\u1eafn \u0111\u00e0 ph\u1ee5c h\u1ed3i NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 n\u00e0y v\u1edbi t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng v\u01b0\u1ee3t t\u1ed1c \u0111\u1ed9 t\u0103ng chi ph\u00ed huy \u0111\u1ed9ng, c\u00f9ng v\u1edbi vi\u1ec7c \u0111\u1ecbnh gi\u00e1 l\u1ea1i d\u1ea7n c\u00e1c kho\u1ea3n vay doanh nghi\u1ec7p khi chu k\u1ef3 l\u00e3i su\u1ea5t \u1ed5n \u0111\u1ecbnh h\u01a1n. \u0110\u00e2y l\u00e0 xu h\u01b0\u1edbng chung c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng, kh\u00f4ng ph\u1ea3i bi\u1ebfn \u0111\u1ed9ng m\u1ed9t qu\u00fd, n\u00ean \u0111\u00e1ng theo d\u00f5i \u1edf c\u1ea5p \u0111\u1ed9 to\u00e0n ng\u00e0nh thay v\u00ec t\u1eebng ng\u00e2n h\u00e0ng ri\u00eang l\u1ebb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00ec Sao B\u1ed9 \u0110\u1ec7m D\u1ef1 Ph\u00f2ng M\u1ecfng D\u1ea7n D\u00f9 NIM \u0110ang C\u1ea3i Thi\u1ec7n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng l\u00e0 ph\u1ea7n l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng tr\u00edch l\u1eadp \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro n\u1ee3 x\u1ea5u. B\u1ed9 \u0111\u1ec7m m\u1ecfng \u0111i trong khi bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n kh\u00f4ng h\u1eb3n l\u00e0 tin x\u1ea5u - c\u00f3 th\u1ec3 ph\u1ea3n \u00e1nh ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n \u0111ang t\u1ed1t l\u00ean, khi\u1ebfn ng\u00e2n h\u00e0ng c\u1ea7n tr\u00edch l\u1eadp \u00edt h\u01a1n. Nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 ng\u00e2n h\u00e0ng \u0111ang \u01b0u ti\u00ean ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc m\u1eaft thay v\u00ec x\u00e2y d\u1ef1ng v\u00f9ng \u0111\u1ec7m cho m\u1ed9t chu k\u1ef3 suy gi\u1ea3m sau n\u00e0y.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore.jpg\" alt=\"Tr\u1ef1c quan h\u00f3a d\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026\" class=\"wp-image-4330\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore-300x158.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore-1024x538.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore-768x403.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-b-datacore-18x9.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f9ng b\u1ed9 d\u1eef li\u1ec7u CafeF ng\u00e0y 24\/8\/2026 n\u00eau xu h\u01b0\u1edbng NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026, c\u0169ng cho th\u1ea5y b\u1ee9c tranh ng\u00e0nh hi\u1ec7n \u0111ang kh\u00e1 t\u00edch c\u1ef1c: Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i C\u1ed5 ph\u1ea7n L\u1ed9c Ph\u00e1t Vi\u1ec7t Nam (LPBank, m\u00e3 c\u1ed5 phi\u1ebfu LPB, ng\u00e0nh ng\u00e2n h\u00e0ng) \u0111\u00e3 \u0111\u00f3ng g\u00f3p 3.298 t\u1ef7 \u0111\u1ed3ng v\u00e0o ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc n\u0103m 2025, t\u0103ng h\u01a1n ba l\u1ea7n so v\u1edbi n\u0103m 2021, l\u1ecdt top 6 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n n\u1ed9p ng\u00e2n s\u00e1ch l\u1edbn nh\u1ea5t theo danh s\u00e1ch Private 100 c\u1ee7a CafeF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e2n h\u00e0ng c\u00f3 l\u00e3i, \u0111\u00f3ng thu\u1ebf t\u1ed1t, t\u0103ng tr\u01b0\u1edfng cao v\u00e0 b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng d\u1ea7n v\u1eabn c\u00f3 th\u1ec3 c\u00f9ng t\u1ed3n t\u1ea1i trong m\u1ed9t th\u1eddi gian tr\u01b0\u1edbc khi xu h\u01b0\u1edbng NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 v\u00e0 d\u1eef li\u1ec7u d\u1ef1 ph\u00f2ng ph\u00e2n k\u1ef3 r\u00f5 h\u01a1n - c\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0 \u0111i\u1ec1u \u0111\u00f3 k\u00e9o d\u00e0i \u0111\u01b0\u1ee3c bao l\u00e2u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110\u1ed9i Ng\u0169 T\u00e0i Ch\u00ednh N\u00ean \u0110\u1ecdc D\u1eef Li\u1ec7u NIM Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam 2026 Nh\u01b0 Th\u1ebf N\u00e0o?<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore.jpg\" alt=\"Ph\u00e2n t\u00edch d\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 cho \u0111\u1ed9i ng\u0169 t\u00e0i ch\u00ednh\" class=\"wp-image-4331\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore-300x158.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore-1024x538.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore-768x403.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-c-datacore-18x9.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t con s\u1ed1 NIM \u0111\u01a1n l\u1ebb kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1 r\u1ee7i ro \u0111\u1ed1i t\u00e1c. \u0110\u1ed9i ng\u0169 theo d\u00f5i d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng Vi\u1ec7t Nam b\u00e0i b\u1ea3n th\u01b0\u1eddng \u0111\u1ed1i chi\u1ebfu \u00edt nh\u1ea5t b\u1ed1n ch\u1ec9 s\u1ed1 tr\u01b0\u1edbc khi k\u1ebft lu\u1eadn: bi\u00ean l\u00e3i r\u00f2ng, t\u1ef7 l\u1ec7 bao ph\u1ee7 d\u1ef1 ph\u00f2ng, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng, v\u00e0 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u, m\u1ed7i ch\u1ec9 s\u1ed1 \u0111\u01b0\u1ee3c \u0111\u1ecdc theo xu h\u01b0\u1edbng nhi\u1ec1u qu\u00fd thay v\u00ec m\u1ed9t th\u1eddi \u0111i\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c n\u00e0y d\u1ec5 d\u00e0ng h\u01a1n nhi\u1ec1u khi theo d\u00f5i d\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 v\u1edbi m\u1ed9t c\u01a1 s\u1edf d\u1eef li\u1ec7u doanh nghi\u1ec7p \u0111\u00e3 x\u00e1c th\u1ef1c thay v\u00ec m\u1ed9t t\u1eadp h\u1ed3 s\u01a1 PDF r\u1eddi r\u1ea1c. N\u1ec1n t\u1ea3ng <a href=\"https:\/\/datacore.vn\/vi\/services\/company-trial\" target=\"_blank\" rel=\"noopener\">D\u1ecbch V\u1ee5 Doanh Nghi\u1ec7p<\/a> c\u1ee7a DataCore l\u01b0u tr\u1eef d\u1eef li\u1ec7u t\u00e0i ch\u00ednh v\u00e0 \u0111\u0103ng k\u00fd doanh nghi\u1ec7p \u0111\u00e3 x\u00e1c th\u1ef1c tr\u00ean to\u00e0n b\u1ed9 doanh nghi\u1ec7p Vi\u1ec7t Nam, bao g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft, gi\u00fap \u0111\u1ed9i ng\u0169 t\u00e0i ch\u00ednh v\u00e0 r\u1ee7i ro x\u00e2y d\u1ef1ng g\u00f3c nh\u00ecn \u0111\u1ed1i chi\u1ebfu n\u00e0y m\u00e0 kh\u00f4ng ph\u1ea3i nh\u1eadp li\u1ec7u th\u1ee7 c\u00f4ng t\u1eeb b\u00e1o c\u00e1o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec3m Ch\u00ednh V\u1ec1 NIM Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam 2026<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 c\u1ea3i thi\u1ec7n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn g\u1ed3m MB Bank, Techcombank v\u00e0 Vietcombank.<\/li><li>B\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng r\u1ee7i ro to\u00e0n ng\u00e0nh \u0111ang m\u1ecfng d\u1ea7n d\u00f9 bi\u00ean l\u00e3i r\u00f2ng ph\u1ee5c h\u1ed3i.<\/li><li>\u0110\u1ed1i chi\u1ebfu xu h\u01b0\u1edbng NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 v\u1edbi d\u1eef li\u1ec7u thu\u1ebf v\u00e0 t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng cho g\u00f3c nh\u00ecn r\u1ee7i ro \u0111\u1ea7y \u0111\u1ee7 h\u01a1n m\u1ed9t ch\u1ec9 s\u1ed1 \u0111\u01a1n l\u1ebb.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore.jpg\" alt=\"\u0110i\u1ec3m ch\u00ednh v\u1ec1 NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026\" class=\"wp-image-4332\" srcset=\"https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore.jpg 1200w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore-300x158.jpg 300w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore-1024x538.jpg 1024w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore-768x403.jpg 768w, https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-d-datacore-18x9.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">NIM ngh\u0129a l\u00e0 g\u00ec \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u00e2n h\u00e0ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Bi\u00ean l\u00e3i r\u00f2ng (NIM) \u0111o kho\u1ea3ng c\u00e1ch gi\u1eefa l\u00e3i thu \u0111\u01b0\u1ee3c t\u1eeb cho vay v\u00e0 l\u00e3i ph\u1ea3i tr\u1ea3 cho ti\u1ec1n g\u1eedi, t\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m tr\u00ean t\u00e0i s\u1ea3n sinh l\u1eddi. NIM t\u0103ng th\u01b0\u1eddng ngh\u0129a l\u00e0 ng\u00e2n h\u00e0ng ki\u1ebfm \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n tr\u00ean m\u1ed7i \u0111\u1ed3ng t\u00e0i s\u1ea3n. \u0110\u00e2y ch\u00ednh l\u00e0 ch\u1ec9 s\u1ed1 c\u1ed1t l\u00f5i trong d\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 m\u00e0 b\u00e0i vi\u1ebft n\u00e0y theo d\u00f5i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0o t\u1ea1i Vi\u1ec7t Nam ghi nh\u1eadn NIM c\u1ea3i thi\u1ec7n n\u0103m 2026?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u00e1o c\u00e1o ng\u00e0nh ng\u00e2n h\u00e0ng c\u1ee7a CafeF c\u00f4ng b\u1ed1 ng\u00e0y 24\/8\/2026 n\u00eau t\u00ean MB Bank (MBB), Techcombank (TCB) v\u00e0 Vietcombank (VCB) trong nh\u00f3m ng\u00e2n h\u00e0ng v\u1ed1n h\u00f3a l\u1edbn c\u00f3 bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n, c\u00f9ng xu h\u01b0\u1edbng b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng d\u1ea7n to\u00e0n ng\u00e0nh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng d\u1ea7n c\u00f3 lu\u00f4n l\u00e0 d\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng h\u1eb3n. \u0110\u00f3 c\u00f3 th\u1ec3 ph\u1ea3n \u00e1nh ch\u1ea5t l\u01b0\u1ee3ng n\u1ee3 vay \u0111ang t\u1ed1t l\u00ean n\u00ean c\u1ea7n tr\u00edch l\u1eadp \u00edt h\u01a1n, ho\u1eb7c ng\u00e2n h\u00e0ng \u0111ang \u01b0u ti\u00ean l\u1ee3i nhu\u1eadn ng\u1eafn h\u1ea1n h\u01a1n x\u00e2y d\u1ef1ng v\u00f9ng \u0111\u1ec7m. S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y th\u01b0\u1eddng ch\u1ec9 r\u00f5 r\u00e0ng sau v\u00e0i qu\u00fd khi theo d\u00f5i d\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026, n\u00ean d\u1eef li\u1ec7u xu h\u01b0\u1edbng quan tr\u1ecdng h\u01a1n m\u1ed9t l\u1ea7n \u0111\u1ecdc s\u1ed1 li\u1ec7u.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u1ed9i ng\u0169 t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 t\u00ecm d\u1eef li\u1ec7u thu\u1ebf v\u00e0 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 x\u00e1c th\u1ef1c \u1edf \u0111\u00e2u?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">D\u1ecbch V\u1ee5 Doanh Nghi\u1ec7p c\u1ee7a DataCore duy tr\u00ec c\u01a1 s\u1edf d\u1eef li\u1ec7u doanh nghi\u1ec7p Vi\u1ec7t Nam \u0111\u00e3 x\u00e1c th\u1ef1c, bao g\u1ed3m b\u00e1o c\u00e1o t\u00e0i ch\u00ednh v\u00e0 d\u1eef li\u1ec7u \u0111\u00f3ng g\u00f3p ng\u00e2n s\u00e1ch, gi\u00fap \u0111\u1ed9i ng\u0169 t\u00e0i ch\u00ednh v\u00e0 r\u1ee7i ro tra c\u1ee9u tr\u1ef1c ti\u1ebfp thay v\u00ec t\u1ed5ng h\u1ee3p th\u1ee7 c\u00f4ng t\u1eeb c\u00e1c h\u1ed3 s\u01a1 c\u00f4ng khai r\u1eddi r\u1ea1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 l\u00e0 t\u00edn hi\u1ec7u s\u1edbm h\u1eefu \u00edch, nh\u01b0ng ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong b\u1ee9c tranh t\u00edn d\u1ee5ng v\u00e0 r\u1ee7i ro \u0111\u1ed1i t\u00e1c \u0111\u1ea7y \u0111\u1ee7. \u0110\u1ec3 hi\u1ec3u th\u00eam v\u1ec1 kh\u00eda c\u1ea1nh \u0111\u00f3ng g\u00f3p ng\u00e2n s\u00e1ch c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng, xem th\u00eam b\u00e0i vi\u1ebft <a href=\"https:\/\/blog.datacore.vn\/vi\/ngan-hang-nop-ngan-sach-2025\/\">ng\u00e2n h\u00e0ng n\u1ed9p ng\u00e2n s\u00e1ch k\u1ef7 l\u1ee5c t\u1ea1i Vi\u1ec7t Nam n\u0103m 2025<\/a> v\u00e0 so s\u00e1nh v\u1edbi xu h\u01b0\u1edbng l\u1ee3i nhu\u1eadn doanh nghi\u1ec7p r\u1ed9ng h\u01a1n trong b\u00e0i <a href=\"https:\/\/blog.datacore.vn\/vi\/doanh-thu-petrovietnam-nua-dau-2026\/\">doanh thu Petrovietnam t\u0103ng 49% trong n\u1eeda \u0111\u1ea7u 2026<\/a>. <strong>Mu\u1ed1n tra c\u1ee9u d\u1eef li\u1ec7u t\u00e0i ch\u00ednh \u0111\u00e3 x\u00e1c th\u1ef1c c\u1ee7a b\u1ea5t k\u1ef3 ng\u00e2n h\u00e0ng hay doanh nghi\u1ec7p Vi\u1ec7t Nam n\u00e0o?<\/strong> Kh\u00e1m ph\u00e1 <a href=\"https:\/\/datacore.vn\/vi\/services\/company-trial\" target=\"_blank\" rel=\"noopener\">D\u1ecbch V\u1ee5 Doanh Nghi\u1ec7p c\u1ee7a DataCore<\/a> \u0111\u1ec3 xem d\u1eef li\u1ec7u tr\u1ef1c ti\u1ebfp.<\/p>","protected":false},"excerpt":{"rendered":"<p>D\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 cho th\u1ea5y bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n trong khi b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng d\u1ea7n. Xem \u00fd ngh\u0129a v\u1edbi r\u1ee7i ro t\u00edn d\u1ee5ng.<\/p>","protected":false},"author":19,"featured_media":4325,"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":[2172,2176,697],"class_list":["post-4336","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-vi","tag-du-lieu-ngan-hang-vi","tag-kinh-te-viet-nam-2026-vi","tag-ngan-hang-viet-nam-vi"],"uagb_featured_image_src":{"full":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore.jpg",1200,630,false],"thumbnail":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-150x150.jpg",150,150,true],"medium":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-300x158.jpg",300,158,true],"medium_large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-768x403.jpg",768,403,true],"large":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-1024x538.jpg",1024,538,true],"1536x1536":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore.jpg",1200,630,false],"2048x2048":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore.jpg",1200,630,false],"trp-custom-language-flag":["https:\/\/blog.datacore.vn\/wp-content\/uploads\/2026\/08\/vietnam-bank-nim-2026-datacore-18x9.jpg",18,9,true]},"uagb_author_info":{"display_name":"DataCore Marketing","author_link":"https:\/\/blog.datacore.vn\/vi\/author\/datacore_marketing\/"},"uagb_comment_info":0,"uagb_excerpt":"D\u1eef li\u1ec7u NIM ng\u00e2n h\u00e0ng Vi\u1ec7t Nam 2026 cho th\u1ea5y bi\u00ean l\u00e3i r\u00f2ng c\u1ea3i thi\u1ec7n trong khi b\u1ed9 \u0111\u1ec7m d\u1ef1 ph\u00f2ng m\u1ecfng d\u1ea7n. Xem \u00fd ngh\u0129a v\u1edbi r\u1ee7i ro t\u00edn d\u1ee5ng.","_links":{"self":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4336","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=4336"}],"version-history":[{"count":4,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4336\/revisions"}],"predecessor-version":[{"id":4340,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/posts\/4336\/revisions\/4340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media\/4325"}],"wp:attachment":[{"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/media?parent=4336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/categories?post=4336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.datacore.vn\/vi\/wp-json\/wp\/v2\/tags?post=4336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}