Vì sao lợi nhuận một số ngân hàng tăng đột biến 3-5 lần?

6 tháng đầu năm 2021, không một ngân hàng nào sụt giảm lợi nhuận so với cùng kỳ năm ngoái. Trong đó có một số ngân hàng ghi nhận lợi nhuận tăng đột biến 3-5 lần.

Toàn bộ 27 ngân hàng trên sàn chứng khoán đã công bố báo cáo tài chính quý 2/2021 với bức tranh lợi nhuận tăng trưởng ấn tượng. Chỉ 2 ngân hàng duy nhất báo cáo lợi nhuận sụt giảm trong quý 2 là VietinBank và Vietcombank. Trong khi luỹ kế 6 tháng, không một ngân hàng nào ghi nhận lợi nhuận sụt giảm so với cùng kỳ.

Xét riêng trong quý 2/2021, có 3 ngân hàng tăng trưởng trên 10 lần về lợi nhuận gồm VietCapitalBank, NCB, NamABank, và bên cạnh là hàng chục ngân hàng khác có lợi nhuận tăng từ 2-3 lần.

Luỹ kế 6 tháng đầu năm cũng hàng loạt ngân hàng tăng trưởng lợi nhuận từ 3-5 lần so với cùng kỳ năm 2020. Trong đó có thể kể đến NamABank, VietCapitalBank, Kienlongbank, NCB, MSB.

Cụ thể, NamABank có lợi nhuận 6 tháng đầu năm đạt 1.073 tỷ đồng, cao gấp 5,5 lần cùng kỳ năm ngoái.

Năm 2021, NamABank đặt mục tiêu lợi nhuận 1.400 tỷ. Như vậy chỉ sau 6 tháng, nhà băng này đã hoàn thành được 3/4 kế hoạch cả năm. BCTC của NamABank cho thấy động lực tăng trưởng chính của 6 tháng đầu năm đến từ thu nhập lãi thuần – tăng tới 99% so với cùng kỳ và đạt 2.098 tỷ đồng.

Theo giải thích của NamABank, thu nhập lãi thuần tăng đáng kể do ngân hàng đẩy mạnh hoạt động cho vay khách hàng. Ngoài ra, ngân hàng thực hiện chính sách giảm lãi suất huy động xuyên suốt từ năm 2020 đến nay góp phần làm chi phí lãi và các chi phí tương tự tăng thấp hơn so với mức tăng của thu nhập lãi và các khoản thu nhập tương tự. Theo đó, thu nhập lãi thuần được cải thiện so với cùng kỳ.

Thêm một ngân hàng khác có tăng trưởng trên 5 lần là VietCapitalBank. Cụ thể, lợi nhuận trước thuế 6 tháng đầu năm của ngân hàng đạt 337 tỷ đồng, tăng 440% so với cùng kỳ năm 2020.

Theo lý giải của ngân hàng, động lực tăng trưởng lợi nhuận đến từ tăng trưởng quy mô kinh doanh dẫn đến thu nhập thuần quý 2 và 6 tháng đầu năm 2021 cao hơn so với cùng kỳ. Đầu  năm 2020, VietCapitalBank đã mua lại toàn bộ trái phiếu của VAMC nên mức trích lập dự phòng cao hơn nhiều so với 2021,…

Còn tại Kienlongbank, ngân hàng báo lãi trước thuế 6 tháng đầu năm đạt 805 tỷ đồng, tăng 8 lần so với cùng kỳ năm 2020. NCB lãi 125 tỷ, cũng tăng 400%.

Ngoài ra, MSB tăng 3 lần so với cùng kỳ đạt 3.119 tỷ đồng. Điều này đã giúp MSB lần đầu tiên lọt top 10 ngân hàng có lợi nhuận cao nhất.

Vì sao lợi nhuận một số ngân hàng tăng đột biến 3-5 lần? - Ảnh 1.

Có nhiều nguyên nhân giúp 5 ngân hàng trên ghi nhận lợi nhuận đột biến, từ 3-5 lần, giúp họ tiến sát đích cả năm.

Đầu tiên, đây chủ yếu là những ngân hàng nhỏ, cộng thêm nền tảng nửa đầu năm 2020 ở mức thấp nên tăng trưởng cao là điều thường thấy. Dù tăng trưởng cao nhưng quy mô lợi nhuận của những ngân hàng này còn rất nhỏ bé khi so với ngân hàng lớn. Chẳng hạn, NCB tăng 400% nhưng mới chỉ đạt 125 tỷ đồng, VietCapitalBank tăng 5 lần nhưng mới chỉ ở mứ 337 tỷ đồng. Trong khi đó, với những ngân hàng lớn như Vietcombank, VietinBank, lợi nhuận của 1 chi nhánh đạt 100-200 tỷ là trong tầm tay, thậm chí các “siêu” chi nhánh có thể đạt lợi nhuận hàng nghìn tỷ đồng.

Ngoài ra, một số ngân hàng nhỏ nói trên ghi nhận nguồn thu đột biến trong nửa đầu năm. Cụ thể, MSB bất ngờ có lãi từ hoạt động dịch vụ quý 2 tăng gấp 10 lần cùng kỳ và đạt 2.074 tỷ đồng – ngang ngửa với thu nhập lãi thuần (hoạt động cốt lõi của một NHTM). Trong đó, phần lãi tăng mạnh này đến từ nghiệp vụ uỷ thác và đại lý, không ngoài khả năng là từ khoản phí trả trước mà MSB nhận được khi ký kết bancassurance độc quyền với Prudential hồi tháng 3 năm nay.

Hay tại Kienlongbank, đóng góp rất lớn cho lợi nhuận 6 tháng đầu năm là từ thu hồi, xử lý nợ xấu. Cụ thể, ngân hàng đã xử lý toàn bộ tài sản bảo đảm, hoàn thành việc thu hồi nợ gốc và lãi phải thu của các khoản vay có tài sản bảo đảm là hơn 76 triệu cổ phiếu của Sacombank (STB).

Một nguyên nhân quan trọng nữa là nhiều ngân hàng đã gặt hái được những thành quả đầu tiên sau một thời gian mạnh tay đầu tư cho nền tảng số và thay đổi chiến lược kinh doanh. Việc chuyển đổi số đã giúp họ tiết giảm được nhiều chi phí trong hoạt động, gia tăng nguồn tiên gửi thanh toán từ khách hàng – là nguồn vốn có lãi suất rất thấp từ đó cải thiện biên lãi ròng NIM.

Trước đây, các ngân hàng nhỏ gặp khó khăn trong việc mở rộng hoạt động kinh doanh vì khó  mở thêm các phòng giao dịch, chi nhánh mới. Nhưng nhờ ngân hàng số, họ có khả năng tiếp cận đến nhiều khách hàng hơn khi ứng dụng định danh khách hàng điện tử eKYC.

Nguồn: https://cafef.vn/vi-sao-loi-nhuan-mot-so-ngan-hang-tang-dot-bien-3-5-lan-20210803151224991.chn

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