=== Classic Editor ===
Contributors: wordpressdotorg, azaozz, melchoyce, chanthaboune, alexislloyd, pento, youknowriad, desrosj, luciano-croce
Tags: gutenberg, disable, disable gutenberg, editor, classic editor, block editor
Requires at least: 4.9
Tested up to: 6.2
Stable tag: 1.6.3
Requires PHP: 5.2.4
License: GPLv2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html

Enables the previous "classic" editor and the old-style Edit Post screen with TinyMCE, Meta Boxes, etc. Supports all plugins that extend this screen.

== Description ==

Classic Editor is an official plugin maintained by the WordPress team that restores the previous ("classic") WordPress editor and the "Edit Post" screen. It makes it possible to use plugins that extend that screen, add old-style meta boxes, or otherwise depend on the previous editor.

Classic Editor is an official WordPress plugin, and will be fully supported and maintained until 2024, or as long as is necessary.

At a glance, this plugin adds the following:

* Administrators can select the default editor for all users.
* Administrators can allow users to change their default editor.
* When allowed, the users can choose which editor to use for each post.
* Each post opens in the last editor used regardless of who edited it last. This is important for maintaining a consistent experience when editing content.

In addition, the Classic Editor plugin includes several filters that let other plugins control the settings, and the editor choice per post and per post type.

By default, this plugin hides all functionality available in the new block editor ("Gutenberg").

== Changelog ==

= 1.6.3 =
* Added some WPCS fixes, props NicktheGeek on GitHub.
* Updated "Tested up to" in the readme and removed it from classic-editor.php. This should fix false positive errors in security plugins in the future.

= 1.6.2 =
* Fixed bug that was preventing saving of the last used editor.

= 1.6.1 =
* Fixed a warning on the block editor based widgets screen.
* Fixed use of a deprecated filter.

= 1.6 =
* Updated for WordPress 5.5.
* Fixed minor issues with calling deprecated functions, needlessly registering uninstall hook, and capitalization of some strings.

= 1.5 =
* Updated for WordPress 5.2 and Gutenberg 5.3.
* Enhanced and fixed the "open posts in the last editor used to edit them" logic.
* Fixed adding post state so it can easily be accessed from other plugins.

= 1.4 =
* On network installations removed the restriction for only network activation.
* Added support for network administrators to choose the default network-wide editor.
* Fixed the settings link in the warning on network About screen.
* Properly added the "Switch to classic editor" menu item to the block editor menu.

= 1.3 =
* Fixed removal of the "Try Gutenberg" dashboard widget.
* Fixed condition for displaying of the after upgrade notice on the "What's New" screen. Shown when the classic editor is selected and users cannot switch editors.

= 1.2 =
* Fixed switching editors from the Add New (post) screen before a draft post is saved.
* Fixed typo that was appending the edit URL to the `classic-editor` query var.
* Changed detecting of WordPress 5.0 to not use version check. Fixes a bug when testing 5.1-alpha.
* Changed the default value of the option to allow users to switch editors to false.
* Added disabling of the Gutenberg plugin and lowered the required WordPress version to 4.9.
* Added `classic_editor_network_default_settings` filter.

= 1.1 =
Fixed a bug where it may attempt to load the block editor for post types that do not support editor when users are allowed to switch editors.

= 1.0 =
* Updated for WordPress 5.0.
* Changed all "Gutenberg" names/references to "block editor".
* Refreshed the settings UI.
* Removed disabling of the Gutenberg plugin. This was added for testing in WordPress 4.9. Users who want to continue following the development of Gutenberg in WordPress 5.0 and beyond will not need another plugin to disable it.
* Added support for per-user settings of default editor.
* Added support for admins to set the default editor for the site.
* Added support for admins to allow users to change their default editor.
* Added support for network admins to prevent site admins from changing the default settings.
* Added support to store the last editor used for each post and open it next time. Enabled when users can choose default editor.
* Added "post editor state" in the listing of posts on the Posts screen. Shows the editor that will be opened for the post. Enabled when users can choose default editor.
* Added `classic_editor_enabled_editors_for_post` and `classic_editor_enabled_editors_for_post_type` filters. Can be used by other plugins to control or override the editor used for a particular post of post type.
* Added `classic_editor_plugin_settings` filter. Can be used by other plugins to override the settings and disable the settings UI.

= 0.5 =
* Updated for Gutenberg 4.1 and WordPress 5.0-beta1.
* Removed some functionality that now exists in Gutenberg.
* Fixed redirecting back to the classic editor after looking at post revisions.

= 0.4 =
* Fixed removing of the "Try Gutenberg" call-out when the Gutenberg plugin is not activated.
* Fixed to always show the settings and the settings link in the plugins list table.
* Updated the readme text.

= 0.3 =
* Updated the option from a checkbox to couple of radio buttons, seems clearer. Thanks to @designsimply for the label text suggestions.
* Some general updates and cleanup.

= 0.2 =
* Update for Gutenberg 1.9.
* Remove warning and automatic deactivation when Gutenberg is not active.

= 0.1 =
Initial release.

== Frequently Asked Questions ==

= Default settings =

When activated and when using a classic (non-block) theme, this plugin will restore the previous ("classic") WordPress editor and hide the new block editor ("Gutenberg").
These settings can be changed at the Settings => Writing screen.

= Default settings for network installation =

There are two options:

* When network-activated and when using a classic (non-block) theme, this plugin will set the classic editor as default and prevent site administrators and users from changing editors.
The settings can be changed and default network-wide editor can be selected on the Network Settings screen.
* When not network-activated each site administrator will be able to activate the plugin and choose options for their users.

= Cannot find the "Switch to classic editor" link =

It is in the main block editor menu, see this [screenshot](https://ps.w.org/classic-editor/assets/screenshot-7.png?rev=2023480).

= Does this work with full site editing and block themes? =

No, as block themes rely on blocks. [See Block themes article](https://wordpress.org/support/article/block-themes/) for more information.

== Screenshots ==
1. Admin settings on the Settings -> Writing screen.
2. User settings on the Profile screen. Visible when the users are allowed to switch editors.
3. "Action links" to choose alternative editor. Visible when the users are allowed to switch editors.
4. Link to switch to the block editor while editing a post in the classic editor. Visible when the users are allowed to switch editors.
5. Link to switch to the classic editor while editing a post in the block editor. Visible when the users are allowed to switch editors.
6. Network settings to select the default editor for the network and allow site admins to change it.
7. The "Switch to classic editor" link.
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			<h1>Lợi nhuận ngân hàng 9 tháng đầu năm 2024 phân</h1>
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<p>Năm 2024, nhiều ngân hàng đưa ra kế hoạch lợi nhuận thận trọng trong khi có nhà băng lại đặt mục tiêu tăng trưởng gần gấp đôi. Đến nay, sau 9 tháng đầu năm 2024, các ngân hàng vẫn đạt mức lợi nhuận khả thi. Tuy nhiên, vẫn có sự phân hoá về lợi nhuận nói riêng và tiến độ thực hiện kế hoạch nói chung giữa các nhà băng trong hệ thống.</p>
<h2>Lợi nhuận nhiều ngân hàng vẫn xa &#8220;vạch đích&#8221;</h2>
<p>9 tháng đầu năm 2024, KienlongBank thu về hơn 760 tỷ đồng lợi nhuận trước thuế, tăng gần 19% so với cùng kỳ và hơn 606,8 tỷ đồng lãi sau thuế. Như vậy, sau 3 quý, KienlongBank đã thực hiện đến 95% kế hoạch lợi nhuận năm 2024 được ngân hàng công bố tại Đại hội đồng cổ đông vào tháng 4/2024.</p>
<p>Một ngân hàng quy mô nhỏ tên BVBank (mã: BVB) đã công bố báo cáo tài chính quý III/2024 với lợi nhuận trước thuế 9 tháng đầu năm đạt gần 182 tỷ đồng, tăng gấp gần ba lần so với cùng kỳ 2023. Sau 9 tháng, BVBank đã thực hiện gần 91% kế hoạch được Đại hội đồng cổ đông giao (200 tỷ đồng).</p>
<p>Đặc biệt, mới đây nhất, ngân hàng LPBank công bố lợi nhuận trước thuế 10 tháng đầu năm 2024 đạt 9.952 tỷ đồng, thực hiện được 114% kế hoạch lũy kế và 95% kế hoạch cả năm 2024.</p>
<p>Ngoài ra, sau 3 quý đầu năm, Techcombank đạt hơn 22.800 tỷ đồng lợi nhuận trước thuế, hoàn thành 84% kế hoạch năm và lợi nhuận trước thuế tại Nam A Bank đạt hơn 3.300 tỷ đồng, hoàn thành 83% kế hoạch năm. Đối với ngân hàng SHB cũng đã hoàn thành 80% kế hoạch lợi nhuận năm chỉ sau 9 tháng.</p>
<p>Bên cạnh đó, các ngân hàng như MBBank và TPBank đều hoàn thành 73% mục tiêu lợi nhuận năm sau 3 quý; ngân hàng ACB thực hiện được 70% kế hoạch lợi nhuận; VietBank hoàn thành 78%; Vietcombank thực hiện 75% kế hoạch cả năm;&#8230;</p>
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<p>Trái ngược với các ngân hàng trên, vẫn có một số nhà băng chưa vượt mức 50% kế hoạch lợi nhuận năm.</p>
<p>Điển hình tại ABBank, lợi nhuận trước thuế 9 tháng đầu năm 2024 giảm tới 66% so với cùng kỳ, đạt gần 239 tỷ đồng. So với kế hoạch 1.000 tỷ đồng lãi trước thuế đặt ra cho cả năm, ABBank còn cách khá xa khi mới thực hiện được 24% sau 3 quý.</p>
<p>Phía ABBank cho biết, lợi nhuận thấp hơn kỳ vọng do Ngân hàng tăng cường trích lập dự phòng theo diễn biến thực tế cũng như bối cảnh chung về tổng cầu thị trường bị tác động tiêu cực do ảnh hưởng của thiên tai.</p>
<p>Tiếp đến là ngân hàng OCB, 9 tháng đầu năm 2024, lợi nhuận trước thuế giảm gần 35% xuống còn hơn 2.553 tỷ đồng. So với mục tiêu 6.885 tỷ đồng lãi trước thuế đặt ra cho cả năm, OCB mới chỉ thực hiện được 37% sau 9 tháng, còn cách quá xa mục tiêu năm 2024.</p>
<p>Đặc biệt tại Eximbank, dù lợi nhuận trước thuế 9 tháng đạt gần 2.378 tỷ đồng, tăng 39% so với cùng kỳ năm 2023. Tuy nhiên, so với kế hoạch lợi nhuận 5.180 tỷ đồng năm 2024, Eximbank mới chỉ hoàn thành được 46% mục tiêu đặt ra sau 3 quý đầu năm.</p>
<p>Hay tại ngân hàng VIB, trong 9 tháng đầu năm 2024, kết quả kinh doanh không mấy lạc quan khi lợi nhuận trước thuế giảm 21% so với cùng kỳ 2023, chỉ thu về 6.600 tỷ đồng. Như vậy sau 9 tháng, VIB mới thực hiện được khoảng 54,8% kế hoạch được Đại hội đồng cổ đông thông qua (12.045 tỷ đồng).</p>
<p>Ngoài ra còn có Saigonbank mới chỉ thực hiện 58% kế hoạch lợi nhuận năm sau 3 quý. Năm 2024, nhà băng này đặt mục tiêu lợi nhuận trước thuế đạt 368 tỷ đồng. Tuy nhiên, sau 9 tháng đầu, Saigonbank chỉ thu về gần 213 tỷ đồng lãi trước thuế, giảm 14% so với cùng kỳ.</p>
<h3>Dự báo lợi nhuận ngân hàng tăng trưởng trong cuối năm 2024</h3>
<p>Trong báo cáo cập nhật ngành ngân hàng mới đây, SSI Research nhận định, do sự cạnh tranh giữa các ngân hàng, NIM sẽ tiếp tục chịu áp lực trong quý IV/2024 và có thể sang cả năm 2025. Các chuyên viên phân tích ước tính lợi nhuận trước thuế của các ngân hàng trên sẽ tăng trưởng 14,5% trong quý IV, đạt 66.481 tỷ đồng. Trong đó, Vietcombank tiếp tục dẫn đầu nhóm quốc doanh, MB dẫn đầu nhóm cổ phần.</p>
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<p>SSI Research cũng điều chỉnh tăng trưởng lợi nhuận trước thuế cả năm 2024 xuống 13,3%, so với mức 16,9% trong dự báo trước đây, chủ yếu do NIM thấp hơn kỳ vọng.</p>
<p>Với kết quả cả năm 2024, Công ty Chứng khoán Vietcombank (VCBS) dự báo tăng trưởng lợi nhuận trước thuế toàn ngành sẽ ở mức 10%. Động lực tăng trưởng lợi nhuận đến từ việc các ngân hàng thương mại tối ưu hóa chi phí vốn, chi phí hoạt động, đồng thời gia tăng thu nhập ngoài lãi, các nguồn thu từ phí.</p>
<p>Với sự thận trọng hơn, Chứng khoán Vietcombank (VCBS) dự báo lợi nhuận toàn ngành ngân hàng sẽ tăng trưởng khoảng 10% trong năm 2024 và có sự phân hóa về triển vọng lợi nhuận giữa các nhóm ngân hàng.</p>
<p>Trước đó, kết quả điều tra xu hướng kinh doanh của các tổ chức tín dụng (TCTD) trong quý IV/2024 cho thấy tình hình kinh doanh tổng thể và lợi nhuận trước thuế của hệ thống ngân hàng trong quý III có cải thiện nhưng chưa đạt được như kỳ vọng ở kỳ điều tra trước. Có gần 16% TCTD lo ngại lợi nhuận ngân hàng tăng trưởng âm trong năm 2024, cao hơn tỷ lệ 11% TCTD kỳ vọng tại kỳ điều tra trước.</p>
<p> Lê Thanh</p>
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