{"id":9055,"date":"2019-09-20T01:00:43","date_gmt":"2019-09-19T22:00:43","guid":{"rendered":"https:\/\/super-news.info\/vi\/ngan-hang-nao-dang-co-ty-le-chi-phi-tren-thu-nhap-thap-nhat\/"},"modified":"2019-09-20T01:00:46","modified_gmt":"2019-09-19T22:00:46","slug":"ngan-hang-nao-dang-co-ty-le-chi-phi-tren-thu-nhap-thap-nhat","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/ngan-hang-nao-dang-co-ty-le-chi-phi-tren-thu-nhap-thap-nhat\/","title":{"rendered":"Ng\u00e2n h\u00e0ng n\u00e0o \u0111ang c\u00f3 t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp th\u1ea5p nh\u1ea5t?"},"content":{"rendered":"


\n L\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 l\u00e0 ch\u1ec9 ti\u00eau \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1ee9 h\u1ea1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00f4ng b\u1eb1ng h\u01a1n v\u1ec1 hi\u1ec7u qu\u1ea3 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1eebng nh\u00e0 b\u0103ng c\u00f2n c\u00f3 nhi\u1ec1u ti\u00eau ch\u00ed kh\u00e1c, trong \u0111\u00f3 c\u00f3 ch\u1ec9 ti\u00eau quan tr\u1ecdng l\u00e0 t\u1ef7 l\u1ec7 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng tr\u00ean t\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng (cost to income ratio \u2013 CIR).V\u1ec1 c\u01a1 b\u1ea3n, CIR c\u00e0ng th\u1ea5p cho th\u1ea5y ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3, t\u1ed1n \u00edt chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng h\u01a1n \u0111\u1ec3 t\u1ea1o ra m\u1ed9t \u0111\u1ed3ng doanh thu. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c ng\u00e2n h\u00e0ng c\u00e0ng l\u1edbn th\u00ec CIR s\u1ebd th\u1ea5p h\u01a1n c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf. Tuy nhi\u00ean, CIR \u0111\u00f4i khi c\u0169ng mang t\u00ednh th\u1eddi \u0111i\u1ec3m. V\u00ed d\u1ee5 nh\u01b0 ng\u00e2n h\u00e0ng gia t\u0103ng \u0111\u1ea7u t\u01b0 cho c\u00f4ng ngh\u1ec7 th\u1eddi gian \u0111\u1ea7u s\u1ebd khi\u1ebfn chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng gia t\u0103ng khi\u1ebfn CIR cao l\u00ean, song v\u1ec1 d\u00e0i h\u1ea1n khi kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00f3 hi\u1ec7u qu\u1ea3 s\u1ebd gi\u1ea3m b\u1edbt chi ph\u00ed v\u1eadn h\u00e0nh, gi\u00fap c\u1ea3i thi\u1ec7n CIR. Th\u1ed1ng k\u00ea t\u1eeb 27 ng\u00e2n h\u00e0ng cho th\u1ea5y CIR c\u00f3 s\u1ef1 ph\u00e2n h\u00f3a r\u00f5 r\u1ec7t gi\u1eefa c\u00e1c nh\u00f3m ng\u00e2n h\u00e0ng, dao \u0111\u1ed9ng t\u1eeb 30% cho t\u1edbi h\u01a1n 80%. Nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 CIR th\u1ea5p nh\u1ea5t bao g\u1ed3m BIDV (32%), VietinBank (35%), Techcombank (35%), Vietcombank (37%), VPBank (36%) v\u00e0 MBBank (38%). \u0110\u00e2y c\u0169ng \u0111\u1ec1u l\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t h\u1ec7 th\u1ed1ng. Ti\u1ebfp \u0111\u1ebfn nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 CIR \u1edf m\u1ee9c trung b\u00ecnh t\u1eeb 40-60% bao g\u1ed3m VIB (42%), OCB (43%), TPBank (44%), HDBank (47%), ABBank (49%), ACB (50%), MSB (54%),\u2026Trong khi \u0111\u00f3, c\u00f3 nh\u1eefng ng\u00e2n h\u00e0ng c\u00f3 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng chi\u1ebfm t\u1edbi h\u01a1n 60% nh\u01b0 Saigonbank (62%), Sacombank (63%),\u2026.ho\u1eb7c l\u00ean t\u1edbi tr\u00ean 80% nh\u01b0 NCB (84%). Nh\u01b0 nh\u1eadn x\u00e9t ban \u0111\u1ea7u, c\u00f3 th\u1ec3 th\u1ea5y, t\u1ef7 l\u1ec7 CIR th\u1ea5p ch\u1ee7 y\u1ebfu \u1edf c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn. Tuy nhi\u00ean c\u0169ng c\u00f3 ngo\u1ea1i l\u1ec7, ch\u1eb3ng h\u1ea1n nh\u01b0 SCB v\u00e0 Sacombank, 2 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n c\u00f3 quy m\u00f4 l\u1edbn nh\u1ea5t v\u1edbi CIR l\u1ea7n l\u01b0\u1ee3t l\u00e0 78% v\u00e0 63%. Trong 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2019, 11\/27 ng\u00e2n h\u00e0ng c\u00f3 CIR gi\u1ea3m so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2018, bao g\u1ed3m VietinBank, Vietcombank, MBBank, VIB, TPBank, PGBank, LienVietPostBank, SeABank, MSB, Sacombank. Trong \u0111\u00f3, \u1edf nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 CIR th\u1ea5p, VietinBank l\u00e0 \u1ea5n t\u01b0\u1ee3ng nh\u1ea5t khi gi\u1ea3m t\u1eeb m\u1ee9c 41% v\u1ec1 35%. Trong b\u1ed1i c\u1ea3nh t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng \u1edf m\u1ee9c r\u1ea5t th\u1ea5p, nh\u00e0 b\u0103ng n\u00e0y \u0111\u00e3 gia t\u0103ng ngu\u1ed3n thu t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng phi t\u00edn d\u1ee5ng \u0111\u1ed3ng th\u1eddi n\u1ed7 l\u1ef1c ti\u1ebft ki\u1ec7m chi ph\u00ed, gi\u00fap l\u1ee3i nhu\u1eadn v\u1eabn c\u00f3 t\u0103ng tr\u01b0\u1edfng trong n\u1eeda \u0111\u1ea7u n\u0103m 2019. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 VietinBank, MSB c\u0169ng c\u1ea3i thi\u1ec7n CIR t\u1eeb 60% xu\u1ed1ng 54% nh\u1edd gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u1eeb h\u01a1n 1.000 t\u1ef7 xu\u1ed1ng c\u00f2n 989 t\u1ef7 \u0111\u1ed3ng. 9\/11 ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i gi\u1ea3m \u0111\u01b0\u1ee3c CIR ch\u1ee7 y\u1ebfu nh\u1edd t\u0103ng tr\u01b0\u1edfng doanh thu cao h\u01a1n nhi\u1ec1u so v\u1edbi t\u0103ng chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. H\u1ec7 s\u1ed1 CIR c\u1ee7a HDBank c\u0169ng li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n v\u00e0 hi\u1ec7n thu\u1ed9c top 10 ng\u00e2n h\u00e0ng ni\u00eam y\u1ebft c\u00f3 CIR t\u1ed1t nh\u1ea5t. T\u1ef7 l\u1ec7 CIR c\u1ee7a ri\u00eang ng\u00e2n h\u00e0ng \u1edf m\u1ee9c 43% c\u00f2n CIR h\u1ee3p nh\u1ea5t, bao g\u1ed3m m\u1ea3ng t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, l\u00e0 47%. S\u1ef1 c\u1ea3i thi\u1ec7n n\u00e0y cho th\u1ea5y n\u0103ng su\u1ea5t lao \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng ng\u00e0y m\u1ed9t cao h\u01a1n, \u0111\u1ed3ng th\u1eddi hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n.Trong khi \u0111\u00f3, s\u1ed1 \u0111\u00f4ng c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c c\u00f3 CIR t\u0103ng l\u00ean. T\u1ea1i Techcombank, vi\u1ec7c CIR t\u0103ng l\u00ean c\u0169ng kh\u00e1 d\u1ec5 hi\u1ec3u khi t\u1ed5ng thu nh\u1eadp ho\u1ea1t \u0111\u1ed9ng ch\u1ec9 t\u0103ng nh\u1eb9 5% do kh\u00f4ng c\u00f2n kho\u1ea3n thu nh\u1eadp b\u1ea5t th\u01b0\u1eddng nh\u01b0 c\u00f9ng k\u1ef3 n\u0103m 2018 (t\u1eeb b\u00e1n TechcomFinance). Trong khi \u0111\u00f3, chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nh\u00e0 b\u0103ng n\u00e0y v\u1eabn t\u0103ng t\u1edbi 31%. Theo chia s\u1ebb c\u1ee7a l\u00e3nh \u0111\u1ea1o nh\u00e0 b\u0103ng n\u00e0y, chi ph\u00ed t\u0103ng do ng\u00e2n h\u00e0ng \u0111ang trong qu\u00e1 tr\u00ecnh \u0111\u1ea7u t\u01b0 l\u1edbn v\u1ec1 m\u1eb7t c\u00f4ng ngh\u1ec7, ch\u01b0a th\u1ec3 t\u1ed1i \u01b0u ngay \u0111\u01b0\u1ee3c chi ph\u00ed. C\u00f2n t\u1ea1i VPBank, CIR t\u0103ng t\u1eeb m\u1ee9c 32% l\u00ean 36% do chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u0103ng kh\u00e1 m\u1ea1nh (28%). C\u0169ng t\u01b0\u01a1ng t\u1ef1 Techcombank, VPBank th\u1eddi gian qua chi kh\u00e1 nhi\u1ec1u ti\u1ec1n \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ng\u00e2n h\u00e0ng s\u1ed1. T\u00ednh ri\u00eang ng\u00e2n h\u00e0ng m\u1eb9, CIR t\u0103ng nh\u1eb9 t\u1eeb 40,5% l\u00ean 41,3%. C\u00f2n c\u00f4ng ty con FE Credit th\u00ec t\u0103ng t\u1eeb 29% l\u00ean 31%. Trong khi CIR \u1edf Techcombank, VPBank, ACB,\u2026c\u00f3 t\u0103ng nh\u1eb9 (m\u1ee9c t\u0103ng d\u01b0\u1edbi 5%), th\u00ec nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nh\u01b0 Eximbank, BaoViet Bank, SCB,\u2026 t\u0103ng m\u1ea1nh do doanh thu s\u1ee5t gi\u1ea3m. C\u1ee5 th\u1ec3, CIR c\u1ee7a Eximbank t\u0103ng t\u1eeb 54% l\u00ean 66%, BaoVietBank t\u0103ng t\u1eeb 45% l\u00ean 71%, SCB t\u0103ng t\u1eeb 46% l\u00ean 78%.\u00a0\u00a0
\n
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L\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 l\u00e0 ch\u1ec9 ti\u00eau \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1ee9 h\u1ea1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u00f4ng b\u1eb1ng h\u01a1n v\u1ec1 hi\u1ec7u qu\u1ea3 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1eebng nh\u00e0 b\u0103ng c\u00f2n c\u00f3 nhi\u1ec1u ti\u00eau ch\u00ed kh\u00e1c, trong \u0111\u00f3 c\u00f3 ch\u1ec9 ti\u00eau quan tr\u1ecdng l\u00e0 t\u1ef7 l\u1ec7 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng […]<\/p>\n","protected":false},"author":2,"featured_media":9056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nNg\u00e2n h\u00e0ng n\u00e0o \u0111ang c\u00f3 t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp th\u1ea5p nh\u1ea5t? - Super News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/super-news.info\/vi\/ngan-hang-nao-dang-co-ty-le-chi-phi-tren-thu-nhap-thap-nhat\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ng\u00e2n h\u00e0ng n\u00e0o \u0111ang c\u00f3 t\u1ef7 l\u1ec7 chi ph\u00ed tr\u00ean thu nh\u1eadp th\u1ea5p nh\u1ea5t? - Super News\" \/>\n<meta property=\"og:description\" content=\" L\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 l\u00e0 ch\u1ec9 ti\u00eau \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1ee9 h\u1ea1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. 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