{"id":675,"date":"2019-04-27T01:12:32","date_gmt":"2019-04-26T22:12:32","guid":{"rendered":"https:\/\/super-news.info\/vi\/kien-dinh-voi-tin-dung-tieu-dung-muc-tieu-lai-9-500-ty-va-khong-chia-co-tuc\/"},"modified":"2019-04-27T01:12:33","modified_gmt":"2019-04-26T22:12:33","slug":"kien-dinh-voi-tin-dung-tieu-dung-muc-tieu-lai-9-500-ty-va-khong-chia-co-tuc","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/kien-dinh-voi-tin-dung-tieu-dung-muc-tieu-lai-9-500-ty-va-khong-chia-co-tuc\/","title":{"rendered":"Ki\u00ean \u0111\u1ecbnh v\u1edbi t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng, m\u1ee5c ti\u00eau l\u00e3i 9.500 t\u1ef7 v\u00e0 kh\u00f4ng chia c\u1ed5 t\u1ee9c"},"content":{"rendered":"

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Chi\u1ec1u ng\u00e0y 26\/4, Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank – VPB) t\u1ed5 ch\u1ee9c \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean 2019.<\/p>\n

N\u0103m 2018 d\u1eabn \u0111\u1ea7u kh\u1ed1i c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n v\u1ec1 doanh thu<\/b><\/p>\n

B\u00e1o c\u00e1o v\u1ec1 k\u1ebft qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng n\u0103m 2018, \u00f4ng Nguy\u1ec5n \u0110\u1ee9c Vinh, T\u1ed5ng gi\u00e1m \u0111\u1ed1c VPBank cho bi\u1ebft, k\u1ebft th\u00fac n\u0103m 2018 ng\u00e2n h\u00e0ng \u0111\u1ea1t t\u1ed5ng t\u00e0i s\u1ea3n h\u01a1n 323 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 16,4% so v\u1edbi n\u0103m 2017. D\u01b0 n\u1ee3 c\u1ea5p t\u00edn d\u1ee5ng bao g\u1ed3m c\u1ea3 cho vay kh\u00e1ch h\u00e0ng v\u00e0 tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p t\u0103ng 17,3%.\u00a0<\/p>\n

B\u1ed1n tr\u1ee5 c\u1ed9t c\u1ee7a ng\u00e2n h\u00e0ng n\u0103m qua \u0111\u00f3 l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng (Fe credit), kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, t\u00edn d\u1ee5ng ti\u1ec3u th\u01b0\u01a1ng (Comm credit), kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, v\u00e0 c\u00e1c ph\u00e2n kh\u00fac n\u00e0y ti\u1ebfp t\u1ee5c t\u0103ng \u1ed5n \u0111\u1ecbnh, \u0111\u00f3ng g\u00f3p 68% v\u00e0o t\u1ed5ng d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

Huy \u0111\u1ed9ng v\u1ed1n n\u0103m qua \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng 17,33% trong \u0111\u00f3 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea5y t\u1edd c\u00f3 gi\u00e1 t\u0103ng 10%, chi\u1ebfm 61% t\u1ed5ng ngu\u1ed3n v\u1ed1n.<\/p>\n

V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu t\u0103ng 17% l\u00ean h\u01a1n 34.750 t\u1ef7 \u0111\u1ed3ng. H\u1ec7 s\u1ed1 an to\u00e0n v\u1ed1n CAR l\u00e0 12,3% v\u00e0 n\u1ebfu t\u00ednh theo chu\u1ea9n Basel II th\u00ec \u0111\u1ea1t 11,2% – cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi l\u1ea7n l\u01b0\u1ee3t 9% v\u00e0 8% quy \u0111\u1ecbnh t\u1ed1i thi\u1ec3u.<\/p>\n

\u00d4ng Nguy\u1ec5n \u0110\u1ee9c Vinh cho bi\u1ebft, l\u1ee3i nhu\u1eadn n\u0103m 2018 \u0111\u1ea1t g\u1ea7n 9.200 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 17% so v\u1edbi n\u0103m 2017. D\u00f9 c\u00f2n th\u1ea5p h\u01a1n ch\u00fat \u00edt so v\u1edbi k\u1ebf ho\u1ea1ch song l\u1ee3i nhu\u1eadn c\u1ee7a VPBank v\u1eabn \u0111\u1ee9ng th\u1ee9 4 trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1ecb tr\u00ed c\u1ee7a n\u0103m 2017.<\/p>\n

T\u1ed5ng doanh thu c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ea1t h\u01a1n 31.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 25% so v\u1edbi n\u0103m 2017 v\u00e0 d\u1eabn \u0111\u1ea7u kh\u1ed1i ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n, \u0111\u1ed3ng th\u1eddi l\u00e0 m\u1ee9c cao k\u1ef7 l\u1ee5c c\u1ee7a nh\u00e0 b\u0103ng n\u00e0y t\u1eeb tr\u01b0\u1edbc t\u1edbi nay. Trong s\u1ed1 \u0111\u00f3, 80% t\u1ed5ng thu nh\u1eadp \u0111\u01b0\u1ee3c \u0111\u00f3ng g\u00f3p b\u1edfi ph\u00e2n kh\u00fac chi\u1ebfn l\u01b0\u1ee3c. Fe Credit v\u1eabn g\u1eb7t h\u00e1i \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng v\u01b0\u1ee3t b\u1eadc c\u1ea3 v\u1ec1 quy m\u00f4 v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, v\u00e0 \u0111\u00f3ng g\u00f3p 52% v\u00e0o t\u1ed5ng thu nh\u1eadp c\u1ee7a ng\u00e2n h\u00e0ng h\u1ee3p nh\u1ea5t.<\/p>\n

K\u1ebf ho\u1ea1ch t\u0103ng doanh thu th\u00eam 20%, l\u1ee3i nhu\u1eadn 9.500 t\u1ef7 trong n\u0103m 2019<\/b><\/p>\n

K\u1ebf ho\u1ea1ch n\u0103m 2019, CEO c\u1ee7a VPBank n\u00f3i r\u1eb1ng ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i v\u00e0 c\u1ea3i c\u00e1ch, t\u1eadp trung n\u00e2ng cao hi\u1ec7u qu\u1ea3 \u0111\u1ed9i ng\u0169 qu\u1ea3n l\u00fd v\u1ed1n, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n. Doanh thu s\u1ebd ti\u1ebfp t\u1ee5c duy tr\u00ec m\u1ee9c t\u0103ng tr\u01b0\u1edfng 20%, t\u00edn d\u1ee5ng t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng tr\u00ean d\u01b0\u1edbi 15% theo ph\u00ea duy\u1ec7t c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (VPBank hi v\u1ecdng s\u1ebd c\u00f3 nhi\u1ec1u room t\u0103ng tr\u01b0\u1edfng h\u01a1n so v\u1edbi m\u1ee9c 12% ph\u00ea duy\u1ec7t ban \u0111\u1ea7u).<\/p>\n

V\u1ec1 m\u1ee5c ti\u00eau l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf, n\u0103m nay ng\u00e2n h\u00e0ng \u0111\u1eb7t k\u1ebf ho\u1ea1ch 9.500 t\u1ef7, t\u0103ng h\u01a1n 300 t\u1ef7 so v\u1edbi n\u0103m 2018. Theo \u00f4ng Vinh, m\u1ee9c t\u0103ng tr\u01b0\u1edfng n\u00e0y nh\u00ecn th\u00ec th\u1ea5p (t\u0103ng 3%) nh\u01b0ng th\u1ef1c ra tr\u1eeb \u0111i kho\u1ea3n thu nh\u1eadp b\u1ea5t th\u01b0\u1eddng c\u1ee7a 2018 \u0111\u1ebfn t\u1eeb b\u1ea3o hi\u1ec3m AIA (h\u01a1n 800 t\u1ef7) th\u00ec v\u1eabn \u0111\u1ea1t m\u1ee9c t\u0103ng 14%. Ri\u00eang ng\u00e2n h\u00e0ng m\u1eb9 m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn l\u00e0 h\u01a1n 20%, t\u1eeb m\u1ee9c h\u01a1n 4.000 t\u1ef7 l\u00ean 5.100 t\u1ef7.<\/p>\n

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N\u00f3i ri\u00eang v\u1ec1 c\u00f4ng ty con Fe Credit, \u00f4ng \u0110\u1ee9c Vinh cho bi\u1ebft, n\u0103m nay gi\u1eefa VPBank v\u00e0 Fe Credit c\u00f3 nh\u1eefng s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh, nh\u01b0ng m\u00f4 h\u00ecnh cho vay ti\u00eau d\u00f9ng v\u1eabn ti\u1ebfp t\u1ee5c l\u00e0 th\u1ebf m\u1ea1nh c\u1ee7a ng\u00e2n h\u00e0ng, VPBank s\u1ebd ti\u1ebfp t\u1ee5c c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ec3 c\u1ee7ng c\u1ed1, b\u1ea3o v\u1ec7 v\u1ecb tr\u00ed c\u1ee7a Fe Credit tr\u00ean th\u1ecb tr\u01b0\u1eddng (\u0111ang chi\u1ebfm 55% th\u1ecb ph\u1ea7n, thay v\u00ec m\u1ee9c 53% c\u1ee7a n\u0103m 2017). S\u1ef1 ch\u1eadm l\u1ea1i c\u1ee7a Fe Credit l\u00e0 s\u1ef1 ch\u1eadm l\u1ea1i chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u01b0ng VPBank v\u1eabn t\u1ea1o \u0111\u01b0\u1ee3c s\u1ef1 t\u0103ng tr\u01b0\u1edfng cao h\u01a1n so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7. V\u1edbi g\u1ea7n 4.200 t\u1ef7 l\u1ee3i nhu\u1eadn th\u00ec t\u1ef7 tr\u1ecdng \u0111\u00f3ng g\u00f3p c\u1ee7a Fe Credit cho ng\u00e2n h\u00e0ng h\u1ee3p nh\u1ea5t kho\u1ea3ng 44%, s\u1ebd ti\u1ebfp t\u1ee5c l\u00e0 m\u00f4 h\u00ecnh kinh doanh hi\u1ec7u qu\u1ea3 c\u1ee7a VPBank n\u0103m nay v\u00e0 c\u00e1c n\u0103m ti\u1ebfp theo.<\/p>\n

Trong n\u0103m nay, ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd qu\u1ea3n l\u00fd ch\u1eb7t h\u01a1n chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng, ch\u1eb3ng h\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng t\u0103ng nh\u00e2n s\u1ef1 nh\u01b0ng hi\u1ec7u qu\u1ea3 lao \u0111\u1ed9ng s\u1ebd t\u0103ng l\u00ean. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a NHNN s\u1ebd \u0111\u01b0\u1ee3c VPBank \u0111\u1eb7c bi\u1ec7t \u01b0u ti\u00ean trong, ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3i quy\u1ebft s\u1ea1ch n\u1ee3 t\u1ea1i VAMC (h\u01a1n 3.100 t\u1ef7)…<\/p>\n

CEO VPBank c\u0169ng nh\u1ea5n m\u1ea1nh, n\u0103m 2019 l\u00e0 n\u0103m th\u1ee9 2 c\u1ee7a giai \u0111o\u1ea1n tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c 5 n\u0103m ti\u1ebfp theo 2018 – 2022 v\u1edbi m\u1ee5c ti\u00eau tham v\u1ecdng \u0111\u1ec1 ra l\u00e0 n\u0103m 2020 tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng th\u00e2n thi\u1ec7n nh\u1ea5t v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u1edd \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 tr\u1edf th\u00e0nh 1 trong 3 ng\u00e2n h\u00e0ng gi\u00e1 tr\u1ecb nh\u1ea5t Vi\u1ec7t Nam. N\u0103m 2019, VPBank theo \u0111u\u1ed5i m\u1ee5c ti\u00eau kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u00f3 l\u00e0 n\u1eb1m trong top 5 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n v\u1ec1 s\u1ed1 d\u01b0 huy \u0111\u1ed9ng v\u00e0 cho vay kh\u00e1ch h\u00e0ng, top 3 v\u1ec1 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n b\u00e1n l\u1ebb h\u00e0ng \u0111\u1ea7u v\u1ec1 s\u1ed1 d\u01b0 huy \u0111\u1ed9ng v\u00e0 cho vay kh\u00e1ch h\u00e0ng c\u00f9ng s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.<\/p>\n

B\u00e1o c\u00e1o c\u1ee7a H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb VPBank tr\u00ecnh b\u00e0y t\u1ea1i \u0111\u1ea1i h\u1ed9i c\u0169ng cho bi\u1ebft, n\u0103m 2018 m\u1eb7c d\u00f9 so v\u1edbi k\u1ebf ho\u1ea1ch c\u1ed5 \u0111\u00f4ng giao cho th\u00ec c\u00f2n m\u1ed9t s\u1ed1 ch\u1ec9 ti\u00eau kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u01b0ng \u0111\u00f3 l\u00e0 do m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 kh\u00e1ch quan t\u1eeb th\u1ecb tr\u01b0\u1eddng, d\u1eabn \u0111\u1ebfn c\u00e1c k\u1ebf ho\u1ea1ch d\u1ef1 b\u00e1o, \u0111i\u1ec1u h\u00e0nh ho\u1ea1t \u0111\u1ed9ng kh\u00e1 b\u1ecb \u0111\u1ed9ng, nhu c\u1ea7u vay v\u1ed1n ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng, c\u00e1c ho\u1ea1t \u0111\u1ed9ng s\u1ea3n xu\u1ea5t kinh doanh c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p b\u1ecb ch\u1eefng l\u1ea1i trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m; c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Fe Credit c\u0169ng kh\u00f3 kh\u0103n…n\u00ean \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng t\u1edbi l\u1ee3i nhu\u1eadn. D\u1eabu v\u1eady, x\u00e9t k\u1ebft qu\u1ea3 chung tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u00ec kinh doanh c\u1ee7a VPBank v\u1eabn t\u1ed1t, n\u1eb1m trong top \u0111\u1ea7u v\u1ec1 c\u00e1c h\u1ec7 s\u1ed1 kinh doanh l\u00e0 ROA, ROE v\u00e0 \u0111\u1ee9ng \u0111\u1ea7u v\u1ec1 doanh thu.<\/p>\n

Kh\u00f4ng chia c\u1ed5 t\u1ee9c<\/b><\/p>\n

T\u1edd tr\u00ecnh ph\u00e2n ph\u1ed1i l\u1ee3i nhu\u1eadn 2018 do \u00f4ng B\u00f9i H\u1ea3i Qu\u00e2n, ph\u00f3 ch\u1ee7 t\u1ecbch VPBank tr\u00ecnh b\u00e0y t\u1ea1i \u0111\u1ea1i h\u1ed9i cho bi\u1ebft n\u0103m nay ng\u00e2n h\u00e0ng tr\u00ecnh c\u1ed5 \u0111\u00f4ng kh\u00f4ng chia c\u1ed5 t\u1ee9c, t\u1ee9c l\u00e0 kh\u00f4ng chia ti\u1ec1n m\u1eb7t c\u0169ng kh\u00f4ng chia c\u1ed5 phi\u1ebfu m\u00e0 \u0111\u1ec3 l\u1ea1i l\u1ee3i nhu\u1eadn \u0111\u1ec3 ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng. S\u1ed1 ti\u1ec1n ch\u01b0a ph\u00e2n ph\u1ed1i n\u0103m 2018 \u0111\u1ec3 l\u1ea1i sau khi tr\u00edch c\u00e1c qu\u1ef9 l\u00e0 h\u01a1n 3.400 t\u1ef7.<\/p>\n

Ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i cho nh\u00e2n vi\u00ean<\/b><\/p>\n

Song VPBank tr\u00ecnh \u0111\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng th\u00f4ng qua vi\u1ec7c ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (ESOP) cho c\u00e1n b\u1ed9 nh\u00e2n vi\u00ean \u0111\u1ec3 gi\u1eef ch\u00e2n nh\u00e2n t\u00e0i. T\u1ed5ng l\u01b0\u1ee3ng c\u1ed5 phi\u1ebfu ph\u00e1t h\u00e0nh d\u1ef1 ki\u1ebfn l\u00e0 31 tri\u1ec7u c\u1ed5 ph\u1ea7n v\u00e0 h\u1ea1n ch\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng trong 3 n\u0103m, gi\u1ea3i to\u1ea3 d\u1ea7n theo t\u1eebng n\u0103m v\u1edbi t\u1ef7 l\u1ec7 30% sau n\u0103m \u0111\u1ea7u; 35% sau n\u0103m th\u1ee9 2 v\u00e0 35% sau n\u0103m th\u1ee9 3 k\u1ec3 t\u1eeb ng\u00e0y k\u1ebft th\u00fac \u0111\u1ee3t b\u00e1n. Vi\u1ec7c ph\u00e1t h\u00e0nh ESOP s\u1ebd ti\u1ebfn h\u00e0nh trong qu\u00fd 2\/2019.<\/p>\n

T\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 th\u00eam g\u1ea7n 3.000 t\u1ef7<\/b><\/p>\n

T\u1ea1i \u0111\u1ea1i h\u1ed9i, H\u0110QT VPBank c\u0169ng tr\u00ecnh k\u1ebf ho\u1ea1ch t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1eeb 25.299 t\u1ef7 l\u00ean 28.209 t\u1ef7 \u0111\u1ed3ng th\u00f4ng qua ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu ESOP cho nh\u00e2n vi\u00ean 31 tri\u1ec7u c\u1ed5 ph\u1ea7n; \u0111\u1ed3ng th\u1eddi ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu ri\u00eang l\u1ebb cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/span><\/span>\u00a0t\u1ed1i \u0111a 260 tri\u1ec7u c\u1ed5 ph\u1ea7n, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 2.600 t\u1ef7.\u00a0<\/p>\n

V\u1ec1 ph\u00e1t h\u00e0nh ri\u00eang l\u1ebb, s\u1ed1 l\u01b0\u1ee3ng ph\u00e1t h\u00e0nh c\u1ee5 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n chi ti\u1ebft t\u1ea1i th\u1eddi \u0111i\u1ec3m ph\u00e1t h\u00e0nh \u0111\u1ec3 t\u0103ng t\u1ef7 l\u1ec7 s\u1edf h\u1eefu n\u01b0\u1edbc ngo\u00e0i\/v\u1ed1n \u0111i\u1ec1u l\u1ec7 VPBank l\u00ean m\u1ee9c t\u1ed1i \u0111a 30% (hi\u1ec7n t\u1ea1i \u0111ang kh\u00f3a \u1edf m\u1ee9c 22,532%). Ph\u01b0\u01a1ng th\u1ee9c th\u1ef1c hi\u1ec7n l\u00e0\u00a0ch\u00e0o b\u00e1n c\u1ed5 ph\u1ea7n ri\u00eang l\u1ebb cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n trong n\u01b0\u1edbc v\u00e0\/ho\u1eb7c n\u01b0\u1edbc ngo\u00e0i. \u0110\u1ed1i t\u01b0\u1ee3ng ch\u00e0o b\u00e1n l\u00e0 d\u01b0\u1edbi 100 nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n trong n\u01b0\u1edbc v\u00e0\/ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n n\u01b0\u1edbc ngo\u00e0i. Gi\u00e1 ch\u00e0o b\u00e1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng h\u00ecnh th\u1ee9c d\u1ef1ng s\u1ed5 ho\u1eb7c c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng l\u00e0 hi\u1ec7u qu\u1ea3 cho ng\u00e2n h\u00e0ng v\u00e0 s\u1ed1 c\u1ed5 phi\u1ebfu n\u00e0y s\u1ebd b\u1ecb h\u1ea1n ch\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng trong v\u00f2ng 1 n\u0103m.<\/p>\n

Th\u1ea3o lu\u1eadn c\u1ed5 \u0111\u00f4ng<\/b><\/p>\n

C\u1ed5 \u0111\u00f4ng h\u1ecfi<\/i><\/b>: Tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng n\u1ee3 x\u1ea5u m\u1ed7i ng\u00e2n h\u00e0ng l\u00e0 kh\u00e1c nhau, c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng d\u1ef1 ph\u00f2ng \u0111\u1ebfn 170%, v\u1eady \u1edf VPBank t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng l\u00e0 bao nhi\u00eau? C\u00f4ng ty Fe Credit \u0111\u00f3ng g\u00f3p l\u1ee3i nhu\u1eadn r\u1ea5t l\u1edbn cho ng\u00e2n h\u00e0ng, l\u00e0 tr\u1ee5 c\u1ed9t ch\u00ednh nh\u01b0ng n\u0103m nay b\u1ecb si\u1ebft ch\u1eb7t ho\u1ea1t \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh th\u00ec \u1ea3nh h\u01b0\u1edfng t\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng kh\u00f4ng?<\/p>\n

\u00d4ng Nguy\u1ec5n \u0110\u1ee9c Vinh<\/b> tr\u1ea3 l\u1eddi: Li\u00ean quan c\u00f4ng ty t\u00e0i ch\u00ednh, NHNN m\u1ee5c \u0111\u00edch ban \u0111\u1ea7u l\u00e0 mu\u1ed1n c\u00f3 h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t d\u1ec3 kh\u00f4ng b\u1ecb qu\u00e1 r\u1ee7i ro. T\u00e2m l\u00fd c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd l\u00e0 v\u1eeba l\u00e0m v\u1eeba nh\u00ecn v\u00e0 c\u00e1 nh\u00e2n t\u00f4i chia s\u1ebb v\u1edbi \u0111i\u1ec1u \u0111\u00f3.\u00a0<\/p>\n

V\u1eeba qua NHNN \u0111\u00e3 c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, c\u1ee5 th\u1ec3 l\u00e0 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng \u0111\u1ec3 \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en v\u00e0 t\u00f4i cho r\u1eb1ng m\u1ee5c \u0111\u00edch n\u00e0y quan tr\u1ecdng h\u01a1n l\u00e0 ki\u1ec3m so\u00e1t r\u1ee7i ro c\u00f4ng ty t\u00e0i ch\u00ednh. Trong qu\u00e1 tr\u00ecnh so\u1ea1n th\u1ea3o d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 43, c\u00f3 th\u1ec3 do c\u00f3 nhi\u1ec1u vi\u1ec7c qu\u00e1 n\u00ean c\u00e1c n\u1ed9i dung so\u1ea1n th\u1ea3o c\u00f2n ch\u01b0a \u0111\u1ed3ng b\u1ed9. Song qua \u00fd ki\u1ebfn c\u1ee7a c\u1ed9ng \u0111\u1ed3ng, chuy\u00ean gia, c\u00e1c c\u00f4ng ty th\u00ec ch\u00fang t\u00f4i hi v\u1ecdng NHNN s\u1ebd l\u1eafng nghe v\u00e0 c\u00f3 nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh ph\u00f9 h\u1ee3p.<\/p>\n

V\u1ec1 t\u1ef7 l\u1ec7 d\u1ef1 ph\u00f2ng r\u1ee7i ro th\u00ec c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1, \u0111\u1ea7u ti\u00ean v\u00e0 quan tr\u1ecdng l\u00e0 con s\u1ed1 tuy\u1ec7t \u0111\u1ed1i. H\u01a1n n\u1eefa, m\u1ee9c d\u1ef1 ph\u00f2ng c\u00e0ng cao th\u00ec r\u1ee7i ro c\u00e0ng cao. Trong d\u1ef1 ph\u00f2ng r\u1ee7i ro c\u1ea7n ph\u00e2n t\u00edch r\u00f5 n\u1ed9i b\u1ea3ng v\u00e0 ngo\u1ea1i b\u1ea3ng. Nh\u01b0 VPBank 100% d\u01b0 n\u1ee3 c\u1ee7a Fe Credit h\u01a1n 53.000 t\u1ef7 l\u00e0 cho vay t\u00edn ch\u1ea5p, c\u00f2n ng\u00e2n h\u00e0ng m\u1eb9 h\u01a1n 83.000 t\u1ef7 th\u00ec c\u00f3 14.000 t\u1ef7 l\u00e0 cho vay t\u00edn ch\u1ea5p (retail), commcredit l\u00e0 5.000 t\u1ef7 c\u00f2n c\u1ee7a SME l\u00e0 h\u01a1n ch\u1ee5c ngh\u00ecn t\u1ef7, t\u1ee9c t\u1ed5ng c\u1ed9ng l\u00e0 30.000 t\u1ef7 cho vay t\u00edn ch\u1ea5p. M\u00f4 h\u00ecnh cho vay t\u00edn ch\u1ea5p c\u00f3 m\u00f4 h\u00ecnh d\u1ef1 ph\u00f2ng kh\u00e1c v\u1edbi d\u1ef1 ph\u00f2ng kh\u00e1c. N\u00f3i r\u1eb1ng VPBank d\u1ef1 ph\u00f2ng th\u1ea5p h\u01a1n c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c th\u00ec t\u00f4i \u0111\u1ed3ng \u00fd, nh\u01b0ng kh\u00f4ng ph\u1ea3i ch\u1ec9 nh\u00ecn n\u1ed9i b\u1ea3ng cho vay th\u1ebf ch\u1ea5p (44%) m\u00e0 ph\u1ea3i nh\u00ecn c\u1ea3 ngo\u1ea1i b\u1ea3ng n\u1eefa th\u00ec l\u00ean h\u01a1n 70%.<\/p>\n

“V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 ph\u00e1t hi\u1ec7n s\u1edbm r\u1ee7i ro v\u00e0 \u0111\u1ec3 tr\u00e1nh c\u00e1c r\u1ee7i ro \u0111\u00f3. Ch\u00fang t\u00f4i kh\u00f4ng \u0111\u1ec3 VPBank cho vay ho\u00e0n to\u00e0n l\u00e0 t\u00edn ch\u1ea5p, nh\u01b0ng v\u1edbi m\u1ed7i m\u00f4 h\u00ecnh c\u00f3 h\u00ecnh th\u1ee9c qu\u1ea3n l\u00fd r\u1ee7i ro kh\u00e1c nhau”.<\/p>\n

\u00d4ng Ng\u00f4 Ch\u00ed D\u0169ng<\/b> b\u1ed5 sung: N\u1ebfu \u0111\u00e1nh gi\u00e1 c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 nhau th\u00ec \u0111\u00f3 l\u00e0 kh\u1eadp khi\u1ec5ng. Trong x\u00e3 h\u1ed9i c\u00f3 s\u1ef1 ph\u00e2n c\u00f4ng r\u00f5 r\u00e0ng, c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng l\u00e0m kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p, kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, nh\u01b0ng nh\u01b0 Fe Credit ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1edbi h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi, \u0111\u00f3 l\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ng\u00e2n h\u00e0ng. Ch\u00fang ta \u0111ang ph\u1ee5c v\u1ee5 b\u1ed9 ph\u1eadn \u0111\u00f4ng \u0111\u1ea3o trong x\u00e3 h\u1ed9i, k\u00e8m theo \u0111\u00f3 th\u00ec c\u00f3 t\u1ef7 l\u1ec7 n\u1ee3 x\u1ea5u cao h\u01a1n v\u00e0 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng cao h\u01a1n, song ng\u00e2n h\u00e0ng v\u1eabn tu\u00e2n th\u1ee7 tr\u00edch l\u1eadp s\u1edbm h\u01a1n, \u0111\u1ea7y \u0111\u1ee7 h\u01a1n.\u00a0<\/p>\n

“C\u1ea7n \u0111\u00e1nh gi\u00e1 kh\u00e1ch quan, c\u00f4ng b\u1eb1ng, VPBank c\u00f3 n\u1ee3 x\u1ea5u cao h\u01a1n v\u00ec cho vay ti\u00eau d\u00f9ng. N\u1ebfu cho vay th\u1ebf ch\u1ea5p th\u00ec n\u1ee3 x\u1ea5u c\u1ee7a VPBank c\u00f2n d\u01b0\u1edbi 1%. Ch\u00fang ta \u0111ang ph\u1ee5c v\u1ee5 nhu c\u1ea7u th\u1ef1c, \u0111ang g\u00f3p ph\u1ea7n m\u1ea1nh v\u00e0o c\u00f4ng cu\u1ed9c \u0111\u1ea9y l\u00f9i t\u00edn d\u1ee5ng \u0111en, m\u00f4 h\u00ecnh kinh doanh \u0111\u1eb7c th\u00f9 nh\u01b0 v\u1eady n\u00ean mong c\u1ed5 \u0111\u00f4ng hi\u1ec3u v\u00e0 \u0111\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n h\u01a1n v\u1ec1 ng\u00e2n h\u00e0ng. Mong c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u00e1nh gi\u00e1 c\u00f4ng b\u1eb1ng h\u01a1n v\u1edbi VPBank trong vi\u1ec7c d\u1ef1 ph\u00f2ng n\u1ee3 x\u1ea5u, tr\u00edch l\u1eadp n\u1ee3 x\u1ea5u” – \u00f4ng D\u0169ng n\u00f3i.<\/p>\n

C\u1ed5 \u0111\u00f4ng h\u1ecfi: <\/b>C\u1ed5 t\u1ee9c kh\u00f4ng chia cho c\u1ed5 \u0111\u00f4ng th\u00ec c\u00f3 \u0111\u1ec3 l\u1ea1i t\u0103ng v\u1ed1n \u0111i\u1ec1u l\u1ec7 kh\u00f4ng, ai l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n \u0111\u00f3?<\/p>\n

\u00d4ng B\u00f9i H\u1ea3i Qu\u00e2n tr\u1ea3 l\u1eddi:<\/b> N\u0103m 2018 l\u00e3i sau thu\u1ebf h\u01a1n 7.000 t\u1ef7 \u0111\u1ed3ng, sau khi tr\u00edch l\u1eadp c\u00e1c qu\u1ef9 th\u00ec c\u00f2n l\u1ea1i h\u01a1n 3.400 t\u1ef7 \u0111\u1ed3ng, ti\u1ec1n \u0111\u00f3 kh\u00f4ng chia c\u1ed5 t\u1ee9c th\u00ec v\u1eabn n\u1eb1m trong ng\u00e2n h\u00e0ng, \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng ch\u1ee9 kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u00e0o m\u1ee5c \u0111\u00edch kh\u00e1c.\u00a0<\/p>\n

N\u0103m nay VPBank t\u1ea1m th\u1eddi ch\u01b0a chia c\u1ed5 t\u1ee9c, c\u0169ng kh\u00f4ng c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng chia ti\u1ec1n m\u1eb7t \u0111\u1ec3 n\u00e2ng cao n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, nh\u1ea5t l\u00e0 hi\u1ec7n nay ph\u1ea3i \u0111\u1ea3m b\u1ea3o l\u01b0\u1ee3ng v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ec7 s\u1ed1 CAR theo chu\u1ea9n Basel II.<\/p>\n

Ti\u1ec1n ch\u01b0a chia c\u1ed5 t\u1ee9c th\u00ec ti\u1ec1n v\u1eabn l\u00e0 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 \u0111\u00f4ng. Sau khi xin c\u1ed5 \u0111\u00f4ng cho tr\u00edch l\u1eadp c\u1ee7a c\u00e1c qu\u1ef9 s\u1ebd thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a H\u0110QT, sau n\u00e0y c\u00f3 chia hay s\u1eed d\u1ee5ng th\u1ebf n\u00e0o c\u0169ng ph\u1ea3i xin \u00fd ki\u1ebfn c\u1ee7a \u0111\u1ea1i h\u1ed9i \u0111\u1ed3ng c\u1ed5 \u0111\u00f4ng.<\/p>\n

———<\/p>\n

K\u1ebft qu\u1ea3 bi\u1ec3u quy\u1ebft v\u00e0 b\u1ecf phi\u1ebfu<\/b><\/p>\n

\n

\u0110\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng VPBank \u0111\u00e3 nh\u1ea5t tr\u00ed th\u00f4ng qua c\u00e1c t\u1edd tr\u00ecnh v\u1ec1 k\u1ebft qu\u1ea3 kinh doanh, k\u1ebf ho\u1ea1ch l\u1ee3i nhu\u1eadn, t\u0103ng v\u1ed1n, ph\u00e2n ph\u1ed1i l\u1ee3i nhu\u1eadn 2018, ph\u00e1t h\u00e0nh c\u1ed5 phi\u1ebfu ESOP \u0111\u1ed3ng th\u1eddi b\u1ea7u b\u1ed5 sung 2 th\u00e0nh vi\u00ean v\u00e0o Ban ki\u1ec3m so\u00e1t nhi\u1ec7m k\u1ef3 2015 – 2020 \u0111\u00f3 l\u00e0 b\u00e0 Kim Ly Huy\u1ec1n v\u00e0 \u00f4ng V\u0169 H\u1ed3ng Cao.\/.<\/p>\n<\/div>\n<\/div>\n

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[ad_1] Chi\u1ec1u ng\u00e0y 26\/4, Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank – VPB) t\u1ed5 ch\u1ee9c \u0111\u1ea1i h\u1ed9i c\u1ed5 \u0111\u00f4ng th\u01b0\u1eddng ni\u00ean 2019. 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