“Ông lớn” ngân hàng trở lại đường đua lợi nhuận

“Ông lớn” ngân hàng trở lại đường đua lợi nhuận

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(TBKTSG) – Không những lấy lại các vị trí dẫn đầu về lợi nhuận tuyệt đối, tình hình nợ xấu của nhóm các ngân hàng thương mại (NHTM) gốc quốc doanh có sự cải thiện trong năm 2019.

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Vietcombank – một trong những “ông lớn” nằm trong tốp 5 ngân hàng có lợi nhuận cao nhất. Ảnh: Thành Hoa

Năm 2019 tiếp tục là một năm nhiều NHTM ghi nhận mức lợi nhuận kỷ lục. Tính đến ngày 12-1-2020, đã có 12 trong hơn 30 ngân hàng công bố kết quả kinh doanh năm 2019 với lợi nhuận vượt kế hoạch năm, trong đó có bảy ngân hàng có lợi nhuận vượt mốc 10.000 tỉ đồng (năm 2018 chỉ có hai ngân hàng vượt mốc này). Đây cũng là năm đầu tiên sau ba năm, cả bốn “ông lớn” Vietcombank, VietinBank, BIDV và Agribank đều có mặt trong tốp 5 ngân hàng có lợi nhuận cao nhất.

Bên cạnh việc lợi nhuận cán đích thì chất lượng tài sản (thể hiện qua tỷ lệ nợ xấu) tại các ngân hàng cũng là vấn đề được nhiều nhà đầu tư quan tâm. Ở góc độ toàn hệ thống, theo thông tin từ Ngân hàng Nhà nước, đến cuối năm 2019, tỷ lệ nợ xấu nội bảng của toàn hệ thống đã về mức 1,89%, tức thấp hơn so với cuối năm 2018 và đạt mục tiêu kiểm soát dưới 2%. Còn nếu tính cả nợ xấu nội bảng và ngoại bảng (nợ tiềm ẩn, nợ đã bán cho Công ty Quản lý tài sản của các tổ chức tín dụng Việt Nam – VAMC) thì tỷ lệ nợ xấu đã giảm xuống còn 4,96% so với mức hơn 10% của năm 2016. Tính từ năm 2012 đến nay, toàn hệ thống tổ chức tín dụng ước tính đã xử lý được hơn 1 triệu tỉ đồng nợ xấu. Như vậy, bức tranh chung về nợ xấu của toàn ngành đã có sự chuyển biến tích cực. Cùng chung xu hướng với cả hệ thống, tỷ lệ nợ xấu tại các NHTM gốc quốc doanh cũng có sự cải thiện so với trước.

Đây là những diễn biến rất đáng khích lệ, nhất là trong bối cảnh nhóm ngân hàng này đang gặp nhiều khó khăn trong việc tăng vốn, nhất là tại VietinBank.

Cụ thể, Vietcombank cho biết lợi nhuận năm 2019 đạt 23.155 tỉ đồng, chính thức cán mốc 1 tỉ đô la Mỹ, sớm hơn một năm so với kế hoạch. Trong năm qua, huy động vốn của Vietcombank lần đầu tiên vượt mốc 1 triệu tỉ đồng (tăng 14%), trong đó huy động vốn từ dân cư đạt 949.865 tỉ đồng, tăng khoảng 15%. Về hoạt động cho vay, dư nợ tín dụng của ngân hàng này đạt 735.446 tỉ đồng, tăng trưởng gần 16% so với cuối 2018. Năm 2019 cũng là năm đầu tiên quy mô tín dụng bán lẻ của Vietcombank cao hơn bán buôn, chiếm tỷ trọng gần 52% tổng dư nợ. Thu ngoài lãi chiếm 39% thu nhập từ hoạt động kinh doanh. Đáng chú ý là tỷ lệ nợ xấu của Vietcombank giảm mạnh, từ mức 0,97% hồi đầu năm xuống còn 0,77% vào cuối năm 2019. Số nợ xấu nội bảng chỉ ở mức 5.699 tỉ đồng, giảm hơn 500 tỉ đồng, tương đương giảm 8% so với cuối năm 2018. Bên cạnh đó, dư nợ nhóm 2 ở mức 2.344 tỉ đồng chiếm tỷ lệ 0,38%, giảm gần một nửa so với năm trước. Thu nợ ngoài bảng đạt 3.179 tỉ đồng. Tỷ lệ bao phủ nợ xấu đạt mức rất cao 182,8%, cho thấy mức độ an toàn trong khả năng xử lý nợ xấu của Vietcombank.

Còn tại BIDV, năm 2019 cũng là năm mà lợi nhuận đạt mức kỷ lục gần 10.800 tỉ đồng. Với tổng tài sản đạt 1,45 triệu tỉ đồng (tăng 13,7% so với năm 2018), vốn điều lệ hơn 40.000 tỉ đồng, BIDV là ngân hàng lớn nhất Việt Nam về vốn và tài sản hiện nay. Tuy nhiên, BIDV chưa tiết lộ con số nợ xấu cuối năm 2019. Trước đó, nợ xấu nội bảng của BIDV tại ngày 30-9-2019 là hơn 22.400 tỉ đồng, tương đương tỷ lệ nợ xấu 2,09%. Nợ xấu bán cho VAMC của ngân hàng này cũng giảm mạnh trong sáu tháng đầu năm 2019, xuống hơn 12.800 tỉ đồng, trong đó đã trích lập hơn 7.800 tỉ đồng (tương đương tỷ lệ đã trích lập 61%). Tổng dư nợ tín dụng và đầu tư năm 2019 của BIDV đạt xấp xỉ 1,3 triệu tỉ đồng; trong đó dư nợ tín dụng đạt 1,098 triệu tỉ đồng, tăng trưởng 12,4% so với năm 2018, chiếm 13,4% thị phần tín dụng toàn ngành. Riêng dư nợ tín dụng bán lẻ tăng trưởng 21,5%, quy mô đến ngày 31-12-2019 đạt 374.526 tỉ đồng, chiếm tỷ trọng 34,1% tổng dư nợ, tiếp tục dẫn đầu thị trường về quy mô tín dụng bán lẻ.

Ngân hàng có lợi nhuận vượt mốc 10.000 tỉ đồng thứ ba là VietinBank với 11.500 tỉ đồng (lợi nhuận riêng ngân hàng mẹ), tăng trên 26% so với kế hoạch và tăng 83% so với năm 2018 bất chấp tăng trưởng tín dụng chỉ ở mức 7,2%. Tương tự Vietcombank, chuyển biến nợ xấu của VietinBank cũng rất đáng ghi nhận khi tỷ lệ nợ xấu cuối năm chỉ còn mức 1,2%, giảm đáng kể so với cuối năm 2018 (1,59%). Nhờ tăng trích lập dự phòng, tỷ lệ bao phủ nợ xấu của ngân hàng này đã tăng mạnh từ 93% lên 128%. Một số chỉ tiêu chủ yếu được VietinBank đặt ra cho năm 2020 là tổng tài sản tăng trưởng khoảng 6-8%; tín dụng tăng trưởng khoảng 8-10%; lợi nhuận hợp nhất trước thuế tăng ít nhất 10% so với năm 2019.

Chưa tiết lộ cụ thể con số lợi nhuận song lãnh đạo Agribank cho biết lợi nhuận năm 2019 vượt kế hoạch đặt ra đầu năm (11.000 tỉ đồng). Trước đó, 11 tháng đầu năm, lợi nhuận của ngân hàng này đã đạt gần 11.700 tỉ đồng. Nợ xấu cũng có chuyển biến tích cực khi Agribank đã hoàn thành việc mua lại trước hạn toàn bộ các khoản nợ đã bán cho VAMC. Cuối năm 2019, tỷ lệ nợ xấu của Agribank đạt khoảng 1,4%, giảm so với mức 1,6% cuối năm 2018. Với dư nợ cho vay đạt trên 1,12 triệu tỉ đồng, ước tính con số nợ xấu của ngân hàng này khoảng hơn 15.600 tỉ đồng, giảm so với con số hơn 16.000 tỉ đồng hồi đầu năm.

Như vậy, không những lấy lại các vị trí dẫn đầu về lợi nhuận tuyệt đối, tình hình nợ xấu của nhóm các  NHTM gốc quốc doanh đều có sự cải thiện trong năm 2019, cả về tỷ lệ nợ xấu lẫn con số dư nợ. Bên cạnh đó, Vietcombank và Agribank đều đã sạch nợ tại VAMC. Đây là những diễn biến rất đáng khích lệ, nhất là trong bối cảnh nhóm ngân hàng này đang gặp nhiều khó khăn trong việc tăng vốn, nhất là tại VietinBank.

Về triển vọng năm 2020, ngành ngân hàng được dự báo sẽ vẫn có mức tăng trưởng tốt nhờ tăng trưởng GDP duy trì ở mức tích cực và tiềm năng mở rộng các hoạt động tín dụng và dịch vụ khi tầng lớp trung lưu ngày càng gia tăng tại Việt Nam. Tuy vậy, sự phân hóa sẽ ngày càng diễn ra sâu sắc giữa các ngân hàng trong hệ thống, đặc biệt ở khả năng quản trị chất lượng tài sản và đáp ứng các tiêu chuẩn chung như Thông tư 41, Basel 2…  



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