{"id":14162,"date":"2026-08-31T01:47:17","date_gmt":"2026-08-30T18:47:17","guid":{"rendered":"https:\/\/useful.vn\/?p=14162"},"modified":"2026-08-31T01:47:17","modified_gmt":"2026-08-30T18:47:17","slug":"hdbank-lai-truoc-thue-hon-13-200-ty","status":"publish","type":"post","link":"https:\/\/useful.vn\/?p=14162","title":{"rendered":"HDBank l\u00e3i tr\u01b0\u1edbc thu\u1ebf h\u01a1n 13.200 t\u1ef7"},"content":{"rendered":"
\n

\nHDBank l\u00e3i tr\u01b0\u1edbc thu\u1ebf h\u01a1n 13.200 t\u1ef7 <\/h1>\n

HDBank ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 13.202 t\u1ef7 \u0111\u1ed3ng n\u1eeda \u0111\u1ea7u n\u0103m, t\u0103ng 31% so v\u1edbi c\u00f9ng k\u1ef3; t\u1ed5ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng nh\u1edd quy m\u00f4 m\u1edf r\u1ed9ng, c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh.<\/p>\n

Ri\u00eang qu\u00fd II, HDBank \u0111\u1ea1t l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 7.095 t\u1ef7 \u0111\u1ed3ng. K\u1ebft qu\u1ea3 n\u00e0y \u0111\u01b0a l\u1ee3i nhu\u1eadn l\u0169y k\u1ebf n\u1eeda \u0111\u1ea7u n\u0103m l\u00ean 13.202 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 31% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. T\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1t 22.684 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 8,8%. Trong \u0111\u00f3, thu nh\u1eadp ngo\u00e0i l\u00e3i t\u0103ng 23,1%, cho th\u1ea5y ngu\u1ed3n thu c\u1ee7a ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng.<\/p>\n

Hi\u1ec7u qu\u1ea3 sinh l\u1eddi duy tr\u00ec \u1edf m\u1ee9c cao v\u1edbi ROE \u0111\u1ea1t 25,4% v\u00e0 ROA \u1edf m\u1ee9c 2,17%. Giai \u0111o\u1ea1n 2022-2025, ROE b\u00ecnh qu\u00e2n c\u1ee7a HDBank \u0111\u1ea1t kho\u1ea3ng 25%, trong khi l\u1ee3i nhu\u1eadn t\u0103ng tr\u01b0\u1edfng k\u00e9p kho\u1ea3ng 27,5% m\u1ed7i n\u0103m trong giai \u0111o\u1ea1n 2021-2025.<\/p>\n

K\u1ebft qu\u1ea3 n\u00e0y \u0111i c\u00f9ng s\u1ef1 c\u1ea3i thi\u1ec7n v\u1ec1 hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh. H\u1ec7 s\u1ed1 chi ph\u00ed tr\u00ean thu nh\u1eadp gi\u1ea3m c\u00f2n 24,9%, thu\u1ed9c nh\u00f3m th\u1ea5p trong kh\u1ed1i ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n. Chuy\u1ec3n \u0111\u1ed5i s\u1ed1, t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh v\u00e0 n\u00e2ng cao n\u0103ng su\u1ea5t ti\u1ebfp t\u1ee5c h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng ki\u1ec3m so\u00e1t chi ph\u00ed khi quy m\u00f4 kinh doanh m\u1edf r\u1ed9ng.<\/p>\n

H\u01a1n 94% giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1. C\u00e1c k\u00eanh tr\u1ef1c tuy\u1ebfn c\u0169ng \u0111\u00f3ng g\u00f3p tr\u00ean 60% l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng m\u1edbi, qua \u0111\u00f3 gi\u1ea3m \u00e1p l\u1ef1c l\u00ean m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 HDBank m\u1edf r\u1ed9ng t\u1ec7p ng\u01b0\u1eddi d\u00f9ng.<\/p>\n

\u0110\u1ebfn cu\u1ed1i th\u00e1ng 6, t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ea1t h\u01a1n 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng, t\u0103ng 12,3% so v\u1edbi \u0111\u1ea7u n\u0103m. M\u1ed1c n\u00e0y \u0111\u01b0a nh\u00e0 b\u0103ng gia nh\u1eadp nh\u00f3m ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 quy m\u00f4 t\u00e0i s\u1ea3n tr\u00ean m\u1ed9t tri\u1ec7u t\u1ef7 \u0111\u1ed3ng. D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng \u0111\u1ea1t 698.355 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 18,76%. Ngu\u1ed3n v\u1ed1n \u0111\u01b0\u1ee3c t\u1eadp trung v\u00e0o c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 s\u1ea3n xu\u1ea5t, kinh doanh, doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba, n\u00f4ng nghi\u1ec7p, h\u1ea1 t\u1ea7ng, chu\u1ed7i cung \u1ee9ng, ti\u00eau d\u00f9ng thi\u1ebft y\u1ebfu.<\/p>\n

Huy \u0111\u1ed9ng v\u1ed1n \u0111\u1ea1t 932.437 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 12,1%. Ri\u00eang ti\u1ec1n g\u1eedi t\u1eeb t\u1ed5 ch\u1ee9c kinh t\u1ebf v\u00e0 d\u00e2n c\u01b0 t\u0103ng tr\u00ean 20%, t\u1ea1o th\u00eam ngu\u1ed3n l\u1ef1c cho ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng v\u00e0 duy tr\u00ec thanh kho\u1ea3n. B\u00ean c\u1ea1nh ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng c\u1ed1t l\u00f5i, h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh g\u1ed3m ng\u00e2n h\u00e0ng s\u1ed1, ch\u1ee9ng kho\u00e1n, b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd qu\u1ef9 v\u00e0 t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng ti\u1ebfp t\u1ee5c \u0111\u00f3ng g\u00f3p v\u00e0o k\u1ebft qu\u1ea3 chung. H\u1ec7 sinh th\u00e1i n\u00e0y hi\u1ec7n ph\u1ee5c v\u1ee5 h\u01a1n 34 tri\u1ec7u kh\u00e1ch h\u00e0ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn th\u00eam tr\u00ean 20 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua c\u00e1c \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n

Trong \u0111\u00f3, HD Saison \u0111\u1ea1t l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf h\u01a1n 804 t\u1ef7 \u0111\u1ed3ng, ROE \u1edf m\u1ee9c 22,3%. C\u00f4ng ty \u0111ang ph\u1ee5c v\u1ee5 tr\u00ean 17,5 tri\u1ec7u kh\u00e1ch h\u00e0ng th\u00f4ng qua 28.600 \u0111i\u1ec3m b\u00e1n tr\u00ean to\u00e0n qu\u1ed1c. HD Securities ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 1.470 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 286%, qua \u0111\u00f3 v\u00e0o nh\u00f3m 10 c\u00f4ng ty ch\u1ee9ng kho\u00e1n c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t Vi\u1ec7t Nam. ROE c\u1ee7a doanh nghi\u1ec7p \u0111\u1ea1t tr\u00ean 28%.<\/p>\n

Sau h\u01a1n m\u1ed9t n\u0103m chuy\u1ec3n \u0111\u1ed5i, Vikki Digital Bank ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng. \u1ee8ng d\u1ee5ng ghi nh\u1eadn h\u01a1n 1,6 tri\u1ec7u l\u01b0\u1ee3t t\u1ea3i trong s\u00e1u th\u00e1ng, n\u00e2ng t\u1ed5ng s\u1ed1 ng\u01b0\u1eddi s\u1eed d\u1ee5ng l\u00ean tr\u00ean 3,5 tri\u1ec7u. Quy m\u00f4 ti\u1ec1n g\u1eedi tr\u00ean c\u1ea3 k\u00eanh s\u1ed1 v\u00e0 m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd c\u0169ng t\u0103ng so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n

Qu\u00e1 tr\u00ecnh t\u0103ng tr\u01b0\u1edfng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi n\u1ec1n t\u1ea3ng v\u1ed1n v\u00e0 thanh kho\u1ea3n. T\u1ef7 l\u1ec7 an to\u00e0n v\u1ed1n theo Basel II \u0111\u1ea1t tr\u00ean 14%, cao h\u01a1n m\u1ee9c t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh. T\u1ef7 l\u1ec7 cho vay tr\u00ean huy \u0111\u1ed9ng \u1edf m\u1ee9c 72%, c\u00f2n c\u00e1c ch\u1ec9 ti\u00eau thanh kho\u1ea3n LCR v\u00e0 NSFR theo Basel III \u0111\u1ec1u v\u01b0\u1ee3t 100%.<\/p>\n

C\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y t\u1ea1o c\u01a1 s\u1edf \u0111\u1ec3 ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng m\u00e0 v\u1eabn duy tr\u00ec v\u00f9ng \u0111\u1ec7m an to\u00e0n. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m qu\u1ed1c t\u1ebf ghi nh\u1eadn trong qu\u00fd II. Moody’s Ratings \u0111\u00e3 n\u00e2ng tri\u1ec3n v\u1ecdng x\u1ebfp h\u1ea1ng c\u1ee7a HDBank t\u1eeb “\u1ed4n \u0111\u1ecbnh” l\u00ean “T\u00edch c\u1ef1c”. Fitch Ratings l\u1ea7n \u0111\u1ea7u x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m ng\u00e2n h\u00e0ng \u1edf m\u1ee9c BB-, thu\u1ed9c nh\u00f3m cao \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam.<\/p>\n

C\u00f9ng th\u1eddi gian n\u00e0y, HDBank huy \u0111\u1ed9ng th\u00e0nh c\u00f4ng kho\u1ea3n vay h\u1ee3p v\u1ed1n qu\u1ed1c t\u1ebf tr\u1ecb gi\u00e1 721 tri\u1ec7u USD theo chu\u1ea9n Social Loan, cao h\u01a1n kho\u1ea3ng 60% so v\u1edbi quy m\u00f4 d\u1ef1 ki\u1ebfn ban \u0111\u1ea7u. Theo \u0111\u1ea1i di\u1ec7n nh\u00e0 b\u0103ng, \u0111\u00e2y l\u00e0 kho\u1ea3n vay h\u1ee3p v\u1ed1n x\u00e3 h\u1ed9i l\u1edbn nh\u1ea5t t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay do m\u1ed9t t\u1ed5 ch\u1ee9c Vi\u1ec7t Nam huy \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng qu\u1ed1c t\u1ebf.<\/p>\n

Ngu\u1ed3n v\u1ed1n n\u00e0y b\u1ed5 sung cho \u0111\u1ecbnh h\u01b0\u1edbng t\u00e0i tr\u1ee3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng ph\u00e1t tri\u1ec3n x\u00e3 h\u1ed9i v\u00e0 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng \u0111a d\u1ea1ng h\u00f3a k\u00eanh huy \u0111\u1ed9ng. HDBank c\u0169ng tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh ph\u00e1t h\u00e0nh 500 tri\u1ec7u USD tr\u00e1i phi\u1ebfu xanh qu\u1ed1c t\u1ebf nh\u1eb1m ph\u1ee5c v\u1ee5 c\u00e1c m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng xanh v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng.<\/p>\n

\n
\n<\/div>
\n

Kh\u00e1ch h\u00e0ng giao d\u1ecbch t\u1ea1i nh\u00e0 b\u0103ng. \u1ea2nh: HDBank<\/em><\/p>\n<\/figcaption><\/figure>\n

V\u1edbi k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c trong n\u1eeda \u0111\u1ea7u n\u0103m, ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf tr\u00ean 30.100 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2026, t\u0103ng 41% so v\u1edbi n\u0103m tr\u01b0\u1edbc. \u0110\u00e0 t\u0103ng c\u1ee7a l\u1ee3i nhu\u1eadn, quy m\u00f4 t\u00e0i s\u1ea3n, l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng v\u00e0 ngu\u1ed3n v\u1ed1n qu\u1ed1c t\u1ebf cho th\u1ea5y HDBank \u0111ang m\u1edf r\u1ed9ng \u0111\u1ed3ng th\u1eddi tr\u00ean nhi\u1ec1u tr\u1ee5 c\u1ed9t. Kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t chi ph\u00ed, duy tr\u00ec c\u00e1c ch\u1ec9 s\u1ed1 an to\u00e0n v\u00e0 ph\u00e1t huy \u0111\u00f3ng g\u00f3p t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb th\u00e0nh vi\u00ean s\u1ebd l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ti\u1ebfn \u0111\u1ed9 ho\u00e0n th\u00e0nh k\u1ebf ho\u1ea1ch trong ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u0103m.<\/p>\n

Ho\u00e0ng \u0110an<\/strong><\/p>\n<\/article>\n

\n

https:\/\/vnexpress.net\/hdbank-lai-truoc-thue-hon-13-200-ty-5103851.html<\/p>\n","protected":false},"excerpt":{"rendered":"

HDBank l\u00e3i tr\u01b0\u1edbc thu\u1ebf h\u01a1n 13.200 t\u1ef7 HDBank ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 13.202 t\u1ef7 \u0111\u1ed3ng n\u1eeda \u0111\u1ea7u n\u0103m, t\u0103ng 31% so v\u1edbi c\u00f9ng k\u1ef3; t\u1ed5ng t\u00e0i s\u1ea3n v\u01b0\u1ee3t 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng nh\u1edd quy m\u00f4 m\u1edf r\u1ed9ng, c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh. Ri\u00eang qu\u00fd II, HDBank \u0111\u1ea1t l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 7.095<\/p>\n","protected":false},"author":1,"featured_media":14163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-14162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong"],"_links":{"self":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/14162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14162"}],"version-history":[{"count":0,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/posts\/14162\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=\/wp\/v2\/media\/14163"}],"wp:attachment":[{"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/useful.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}