{"id":23800,"date":"2024-03-28T00:06:56","date_gmt":"2024-03-27T17:06:56","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=23800"},"modified":"2024-03-28T00:06:56","modified_gmt":"2024-03-27T17:06:56","slug":"moodys-da-tang-xep-hang-tin-nhiem-cho-sacombank","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/moodys-da-tang-xep-hang-tin-nhiem-cho-sacombank\/","title":{"rendered":"Moody&#8217;s \u0111\u00e3 t\u0103ng x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m cho Sacombank"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;23800&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Moody\\u0026#039;s \u0111\u00e3 t\u0103ng x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m cho Sacombank&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><a href=\"https:\/\/infina.vn\/blog\/tag\/sacombank\/\">Sacombank<\/a> \u0111\u00e3 \u0111\u01b0\u1ee3c Moody&#8217;s n\u00e2ng h\u1ea1ng m\u1ed9t b\u1eadc cho Nh\u00e0 ph\u00e1t h\u00e0nh v\u00e0 Ti\u1ec1n g\u1eedi n\u1ed9i t\u1ec7, ngo\u1ea1i t\u1ec7 t\u1eeb B3 l\u00ean B2. \u0110\u1ed3ng th\u1eddi, ch\u1ec9 s\u1ed1 \u0110\u00e1nh gi\u00e1 T\u00edn d\u1ee5ng c\u01a1 s\u1edf (BCA) v\u00e0 BCA \u0110i\u1ec1u ch\u1ec9nh c\u0169ng \u0111\u01b0\u1ee3c n\u00e2ng t\u1eeb Caa1 l\u00ean B3. Moody&#8217;s c\u0169ng n\u00e2ng h\u1ea1ng m\u1ed9t b\u1eadc cho X\u1ebfp h\u1ea1ng R\u1ee7i ro \u0111\u1ed1i t\u00e1c (CRR) b\u1eb1ng n\u1ed9i t\u1ec7, ngo\u1ea1i t\u1ec7 d\u00e0i h\u1ea1n v\u00e0 \u0110\u00e1nh gi\u00e1 r\u1ee7i ro \u0111\u1ed1i t\u00e1c (CR) t\u1eeb B2 l\u00ean B1.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/moodys-da-tang-xep-hang-tin-nhiem-cho-sacombank\/#Moodys_tang_hang_cho_Sacombank_thi_duoc_gi\" title=\"Moody&#8217;s t\u0103ng h\u1ea1ng cho Sacombank th\u00ec \u0111\u01b0\u1ee3c g\u00ec?\">Moody&#8217;s t\u0103ng h\u1ea1ng cho Sacombank th\u00ec \u0111\u01b0\u1ee3c g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/moodys-da-tang-xep-hang-tin-nhiem-cho-sacombank\/#Doi_net_ve_Sacombank\" title=\"\u0110\u00f4i n\u00e9t v\u1ec1 Sacombank\">\u0110\u00f4i n\u00e9t v\u1ec1 Sacombank<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Moodys_tang_hang_cho_Sacombank_thi_duoc_gi\"><\/span>Moody&#8217;s t\u0103ng h\u1ea1ng cho Sacombank th\u00ec \u0111\u01b0\u1ee3c g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Theo Moody&#8217;s, vi\u1ec7c n\u00e2ng h\u1ea1ng n\u00e0y \u0111\u1ebfn t\u1eeb vi\u1ec7c Sacombank \u0111\u00e3 x\u1eed l\u00fd m\u1ed9t c\u00e1ch \u0111\u00e1ng k\u1ec3 c\u00e1c t\u00e0i s\u1ea3n t\u1ed3n \u0111\u1ecdng, gi\u00fap c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1ee3i nhu\u1eadn. T\u1ed5 ch\u1ee9c n\u00e0y c\u0169ng \u0111\u00e1nh gi\u00e1 cao h\u1ec7 th\u1ed1ng ti\u1ec1n g\u1eedi v\u1eefng m\u1ea1nh c\u1ee7a ng\u00e2n h\u00e0ng, gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng huy \u0111\u1ed9ng v\u1ed1n v\u00e0 thanh kho\u1ea3n.<\/p>\n<p>Sacombank hi\u1ec7n c\u00f3 m\u1ea1ng l\u01b0\u1edbi huy \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh th\u00f4ng qua h\u1ec7 th\u1ed1ng chi nh\u00e1nh r\u1ed9ng l\u1edbn, h\u1ed7 tr\u1ee3 kh\u1ea3 n\u0103ng thu h\u00fat ti\u1ec1n g\u1eedi m\u1edbi v\u1edbi chi ph\u00ed huy \u0111\u1ed9ng th\u1ea5p. T\u1ef7 tr\u1ecdng ngu\u1ed3n v\u1ed1n li\u00ean ng\u00e2n h\u00e0ng trong t\u1ed5ng t\u00e0i s\u1ea3n \u0111\u1ea1t 7,7% t\u1ea1i cu\u1ed1i th\u00e1ng 6\/2023 &#8211; thu\u1ed9c nh\u00f3m th\u1ea5p nh\u1ea5t so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng h\u1ea1ng.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/bcp.cdnchinhphu.vn\/334894974524682240\/2023\/5\/7\/sacombank-16703282199531641279708-16834766476681318290431.jpg\" alt=\"Moody&#039;s t\u0103ng h\u1ea1ng cho Sacombank th\u00ec \u0111\u01b0\u1ee3c g\u00ec?\" width=\"685\" height=\"457\" title=\"\"><\/p>\n<p>T\u00e0i s\u1ea3n c\u00f3 v\u1ea5n \u0111\u1ec1 t\u1ed3n \u0111\u1ecdng c\u1ee7a Sacombank ch\u1ec9 c\u00f2n chi\u1ebfm 2,2% t\u1ed5ng t\u00e0i s\u1ea3n t\u1ea1i cu\u1ed1i n\u0103m 2023 (gi\u1ea3m t\u1eeb m\u1ee9c 2,7% c\u1ee7a n\u0103m tr\u01b0\u1edbc), sau khi t\u00ednh c\u1ea3 c\u00e1c kho\u1ea3n d\u1ef1 ph\u00f2ng. Ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t t\u1ed1t c\u00e1c kho\u1ea3n d\u1ef1 ph\u00f2ng c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i tr\u00edch th\u00eam cho nh\u1eefng t\u00e0i s\u1ea3n n\u00e0y.<\/p>\n<p>Ngo\u00e0i ra, Moody&#8217;s tin r\u1eb1ng t\u1ef7 su\u1ea5t sinh l\u1eddi tr\u00ean t\u1ed5ng t\u00e0i s\u1ea3n (ROA) s\u1ebd \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 b\u1edfi bi\u00ean l\u00e3i r\u00f2ng (NIM) cao h\u01a1n trong th\u1eddi gian t\u1edbi.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Doi_net_ve_Sacombank\"><\/span>\u0110\u00f4i n\u00e9t v\u1ec1 Sacombank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cu\u1ed1i n\u0103m 2023, Sacombank \u0111\u00e3 \u0111\u01b0\u1ee3c C\u00f4ng ty c\u1ed5 ph\u1ea7n EY Vi\u1ec7t Nam trao ch\u1ee9ng nh\u1eadn ho\u00e0n th\u00e0nh tri\u1ec3n khai chu\u1ea9n m\u1ef1c qu\u1ea3n l\u00fd r\u1ee7i ro theo BASEL III &#8211; ti\u00eau chu\u1ea9n qu\u1ea3n l\u00fd r\u1ee7i ro \u1edf c\u1ea5p \u0111\u1ed9 cao trong qu\u1ea3n tr\u1ecb r\u1ee7i ro ng\u00e2n h\u00e0ng. \u0110\u01a1n v\u1ecb c\u0169ng v\u1eeba \u0111\u01b0\u1ee3c Brand Finance x\u1ebfp h\u1ea1ng 322\/500 th\u01b0\u01a1ng hi\u1ec7u ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t to\u00e0n c\u1ea7u. \u0110\u00e2y l\u00e0 n\u0103m th\u1ee9 5 li\u00ean ti\u1ebfp Sacombank \u0111\u01b0\u1ee3c Brand Finance x\u1ebfp h\u1ea1ng, t\u0103ng 100 b\u1eadc so v\u1edbi n\u0103m 2020. Theo \u0111\u1ea1i di\u1ec7n \u0111\u01a1n v\u1ecb, nh\u1eefng k\u1ebft qu\u1ea3 tr\u00ean th\u1ec3 hi\u1ec7n n\u1ed7 l\u1ef1c trong vi\u1ec7c \u0111\u1ea7u t\u01b0, c\u1ea3i ti\u1ebfn m\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb &#8211; kinh doanh theo xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7, t\u1eeb \u0111\u00f3 mang \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng nh\u1eefng tr\u1ea3i nghi\u1ec7m g\u1eafn li\u1ec1n v\u1edbi th\u00f3i quen, nhu c\u1ea7u.<\/p>\n<p>T\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2023, quy m\u00f4 t\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ea1t h\u01a1n 674.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 13,9% so v\u1edbi \u0111\u1ea7u n\u0103m. T\u1ed5ng huy \u0111\u1ed9ng \u0111\u1ea1t h\u01a1n 578.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 11,3%; trong \u0111\u00f3 ch\u00fa tr\u1ecdng t\u0103ng ti\u1ec1n g\u1eedi CASA 8,8%. T\u1ef7 l\u1ec7 CAR h\u1ee3p nh\u1ea5t 9,11%, t\u1ef7 l\u1ec7 LDR \u0111\u1ea1t 82,77%, t\u1ef7 l\u1ec7 NIM 3,9%. C\u00e1c ch\u1ec9 s\u1ed1 ROA, ROE l\u1ea7n l\u01b0\u1ee3t \u0111\u1ea1t 1,22% v\u00e0 18,30%, t\u01b0\u01a1ng \u1ee9ng t\u0103ng 0,31 v\u00e0 4,47%. Hi\u1ec7n Sacombank c\u00f3 h\u01a1n 18 tri\u1ec7u kh\u00e1ch h\u00e0ng.<\/p>\n<blockquote class=\"td_quote_box td_box_center\"><p>Ngu\u1ed3n tham kh\u1ea3o: <a href=\"https:\/\/vnexpress.net\/sacombank-duoc-moody-s-nang-bac-xep-hang-tin-nhiem-4726474.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">https:\/\/vnexpress.net\/sacombank-duoc-moody-s-nang-bac-xep-hang-tin-nhiem-4726474.html<\/a><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Sacombank &#273;&atilde; &#273;&#432;&#7907;c Moody&rsquo;s n&acirc;ng h&#7841;ng m&#7897;t b&#7853;c cho Nh&agrave; ph&aacute;t h&agrave;nh v&agrave; Ti&#7873;n g&#7917;i n&#7897;i t&#7879;, ngo&#7841;i t&#7879; t&#7915; B3 l&ecirc;n B2. &#272;&#7891;ng th&#7901;i, ch&#7881; s&#7889; &#272;&aacute;nh gi&aacute; T&iacute;n d&#7909;ng c&#417; s&#7903; (BCA) v&agrave; BCA &#272;i&#7873;u ch&#7881;nh c&#361;ng &#273;&#432;&#7907;c n&acirc;ng t&#7915; Caa1 l&ecirc;n B3. Moody&rsquo;s c&#361;ng n&acirc;ng h&#7841;ng m&#7897;t b&#7853;c cho X&#7871;p h&#7841;ng R&#7911;i [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":23801,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1235],"tags":[1265,182,1250],"class_list":{"0":"post-23800","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ngan-hang","8":"tag-moodys","9":"tag-ngan-hang","10":"tag-sacombank"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=23800"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/23800\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/23801"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=23800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=23800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=23800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}