{"id":314795,"date":"2025-07-19T09:46:46","date_gmt":"2025-07-19T09:46:46","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/how-to-buy-banco-santander-stocks-2\/"},"modified":"2025-07-19T09:46:46","modified_gmt":"2025-07-19T09:46:46","slug":"how-to-buy-banco-santander-stocks","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/learning\/how-to-buy-banco-santander-stocks\/","title":{"rendered":"C\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander&#8221;: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn c\u1ee7a b\u1ea1n v\u00e0o n\u0103m 2025"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":307591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-314795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learning"],"acf":{"h1":"Pocket Option: C\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: C\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander"},"description":"C\u00e1ch mua c\u1ed5 phi\u1ebfu Ng\u00e2n h\u00e0ng Santander? Kh\u00e1m ph\u00e1 ngay h\u00f4m nay c\u00e1c khuy\u1ebfn ngh\u1ecb, ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn n\u00e2ng cao v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n \u0111\u01b0\u1ee3c ki\u1ec3m nghi\u1ec7m b\u1edfi c\u00e1c chuy\u00ean gia \u0111\u1ec3 \u0111\u1ea7u t\u01b0 an to\u00e0n v\u00e0 c\u1ed5 t\u1ee9c tuy\u1ec7t v\u1eddi. Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"C\u00e1ch mua c\u1ed5 phi\u1ebfu Ng\u00e2n h\u00e0ng Santander? Kh\u00e1m ph\u00e1 ngay h\u00f4m nay c\u00e1c khuy\u1ebfn ngh\u1ecb, ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn n\u00e2ng cao v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n \u0111\u01b0\u1ee3c ki\u1ec3m nghi\u1ec7m b\u1edfi c\u00e1c chuy\u00ean gia \u0111\u1ec3 \u0111\u1ea7u t\u01b0 an to\u00e0n v\u00e0 c\u1ed5 t\u1ee9c tuy\u1ec7t v\u1eddi. Pocket Option."},"intro":"B\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Santander, b\u1ea1n c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t \u1edf M\u1ef9 Latinh, v\u1edbi c\u1ed5 t\u1ee9c l\u1ecbch s\u1eed l\u00ean \u0111\u1ebfn 5% m\u1ed7i n\u0103m v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3. C\u00e1ch mua c\u1ed5 phi\u1ebfu Santander tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 chi ti\u1ebft, t\u1eeb vi\u1ec7c ch\u1ecdn nh\u00e0 m\u00f4i gi\u1edbi l\u00fd t\u01b0\u1edfng \u0111\u1ebfn c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e2ng cao \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn.","intro_source":{"label":"Intro","type":"text","formatted_value":"B\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Santander, b\u1ea1n c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t \u1edf M\u1ef9 Latinh, v\u1edbi c\u1ed5 t\u1ee9c l\u1ecbch s\u1eed l\u00ean \u0111\u1ebfn 5% m\u1ed7i n\u0103m v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3. C\u00e1ch mua c\u1ed5 phi\u1ebfu Santander tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 chi ti\u1ebft, t\u1eeb vi\u1ec7c ch\u1ecdn nh\u00e0 m\u00f4i gi\u1edbi l\u00fd t\u01b0\u1edfng \u0111\u1ebfn c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e2ng cao \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Hi\u1ec3u gi\u00e1 tr\u1ecb c\u1ee7a c\u1ed5 phi\u1ebfu Santander tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil v\u00e0o n\u0103m 2025<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Banco Santander chi\u1ebfm v\u1ecb tr\u00ed l\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn th\u1ee9 ba t\u1ea1i Brazil, v\u1edbi h\u01a1n 9 tri\u1ec7u kh\u00e1ch h\u00e0ng ho\u1ea1t \u0111\u1ed9ng v\u00e0 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng v\u01b0\u1ee3t qu\u00e1 R$100 t\u1ef7. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil, vi\u1ec7c hi\u1ec3u c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander \u0111\u00e3 tr\u1edf n\u00ean c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 b\u1ec1n v\u1eefng k\u1ebft h\u1ee3p gi\u1eefa c\u1ed5 t\u1ee9c \u1ed5n \u0111\u1ecbnh v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y Santander \u0111\u01b0\u1ee3c giao d\u1ecbch d\u01b0\u1edbi ba m\u00e3 kh\u00e1c nhau: SANB11 (\u0111\u01a1n v\u1ecb, k\u1ebft h\u1ee3p m\u1ed9t c\u1ed5 phi\u1ebfu th\u01b0\u1eddng v\u00e0 m\u1ed9t c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i), SANB3 (c\u1ed5 phi\u1ebfu th\u01b0\u1eddng, c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft) v\u00e0 SANB4 (c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i, c\u00f3 \u01b0u ti\u00ean c\u1ed5 t\u1ee9c). M\u1ed7i lo\u1ea1i cung c\u1ea5p nh\u1eefng l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3 t\u00f9y thu\u1ed9c v\u00e0o chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1ea1i Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Santander \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 b\u1ec1n b\u1ec9 \u0111\u00e1ng k\u1ec3 trong c\u00e1c chu k\u1ef3 kinh t\u1ebf kh\u00f3 kh\u0103n. Gi\u1eefa n\u0103m 2020 v\u00e0 2024, ngay c\u1ea3 trong nh\u1eefng giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng, ng\u00e2n h\u00e0ng v\u1eabn duy tr\u00ec ROE (L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu) trung b\u00ecnh l\u00e0 14,3%, v\u01b0\u1ee3t qua m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Brazil l\u00e0 12,8%. Hi\u1ec7u su\u1ea5t n\u00e0y cho th\u1ea5y hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u01b0\u1ee3t tr\u1ed9i v\u1edbi c\u00e1c thay \u0111\u1ed5i quy \u0111\u1ecbnh.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>M\u1eb9o chi ti\u1ebft v\u1edbi c\u00e1c khuy\u1ebfn m\u00e3i c\u1ee7a Santander t\u1ea1i Brazil<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n bi\u1ebft ch\u00ednh x\u00e1c c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander, ch\u00fang t\u00f4i \u0111\u00e3 chu\u1ea9n b\u1ecb m\u1ed9t l\u1ed9 tr\u00ecnh ho\u00e0n ch\u1ec9nh d\u1ef1a tr\u00ean kinh nghi\u1ec7m c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi n\u1ec1n t\u1ea3ng Pocket Option:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>B\u01b0\u1edbc<\/th><th>M\u00f4 t\u1ea3 chi ti\u1ebft<\/th><th>Khuy\u1ebfn ngh\u1ecb th\u1ef1c t\u1ebf<\/th><\/tr><\/thead><tbody><tr><td>1. Ch\u1ecdn m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi<\/td><td>Ch\u1ecdn m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi \u0111\u01b0\u1ee3c CVM \u0111i\u1ec1u ch\u1ec9nh v\u1edbi ph\u00ed c\u1ea1nh tranh<\/td><td>XP, Clear v\u00e0 Nu Invest cung c\u1ea5p chi ph\u00ed b\u1eb1ng kh\u00f4ng cho vi\u1ec7c mua c\u1ed5 phi\u1ebfu. C\u0169ng xem x\u00e9t Pocket Option Broker \u0111\u1ec3 c\u00f3 c\u00e1c ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n.<\/td><\/tr><tr><td>2. M\u1edf t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n<\/td><td>Ho\u00e0n th\u00e0nh \u0111\u0103ng k\u00fd k\u1ef9 thu\u1eadt s\u1ed1 b\u1eb1ng c\u00e1ch g\u1eedi ID\/gi\u1ea5y ph\u00e9p l\u00e1i xe, b\u1eb1ng ch\u1ee9ng c\u01b0 tr\u00fa v\u00e0 \u1ea3nh t\u1ef1 ch\u1ee5p<\/td><td>Qu\u00e1 tr\u00ecnh m\u1ea5t t\u1eeb 1-3 ng\u00e0y l\u00e0m vi\u1ec7c. Chu\u1ea9n b\u1ecb t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc.<\/td><\/tr><tr><td>3. Chuy\u1ec3n ti\u1ec1n<\/td><td>G\u1eedi ti\u1ec1n qua PIX (ngay l\u1eadp t\u1ee9c) ho\u1eb7c TED (t\u1ed1i \u0111a D+1)<\/td><td>Chuy\u1ec3n kho\u1ea3n \u0111\u1ea7u ti\u00ean th\u01b0\u1eddng b\u1ecb gi\u1edbi h\u1ea1n t\u1eeb R$2,000-R$5,000 v\u00ec l\u00fd do b\u1ea3o m\u1eadt.<\/td><\/tr><tr><td>4. Truy c\u1eadp nh\u00e0 m\u00f4i gi\u1edbi<\/td><td>S\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng giao d\u1ecbch qua web ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng<\/td><td>Thi\u1ebft l\u1eadp c\u1ea3nh b\u00e1o gi\u00e1 cho c\u00e1c m\u1ee5c ti\u00eau nh\u1eadp c\u1ee7a b\u1ea1n (v\u00ed d\u1ee5: R$28.50 cho SANB11).<\/td><\/tr><tr><td>5. T\u00ecm m\u00e3 ch\u1ee9ng kho\u00e1n<\/td><td>T\u00ecm ki\u1ebfm SANB11 (giao d\u1ecbch nhi\u1ec1u nh\u1ea5t), SANB3 ho\u1eb7c SANB4<\/td><td>SANB11 c\u00f3 t\u00ednh thanh kho\u1ea3n cao h\u01a1n (kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 R$48 tri\u1ec7u).<\/td><\/tr><tr><td>6. Th\u1ef1c hi\u1ec7n l\u1ec7nh<\/td><td>Ch\u1ecdn gi\u1eefa l\u1ec7nh th\u1ecb tr\u01b0\u1eddng (th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c) ho\u1eb7c l\u1ec7nh gi\u1edbi h\u1ea1n (gi\u00e1 c\u1ee5 th\u1ec3)<\/td><td>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, l\u1ec7nh gi\u1edbi h\u1ea1n th\u01b0\u1eddng cung c\u1ea5p gi\u00e1 trung b\u00ecnh t\u1ed1t h\u01a1n.<\/td><\/tr><tr><td>7. Gi\u00e1m s\u00e1t kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n<\/td><td>Theo d\u00f5i k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh<\/td><td>Thi\u1ebft l\u1eadp c\u1ea3nh b\u00e1o cho c\u00e1c b\u00e1o c\u00e1o h\u00e0ng qu\u00fd v\u00e0 ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c.<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Sau khi th\u1ef1c hi\u1ec7n mua h\u00e0ng c\u1ee7a b\u1ea1n, h\u00e3y c\u1eadp nh\u1eadt th\u00f4ng tin v\u1ec1 k\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a Santander. Trong qu\u00fd \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o g\u1ea7n nh\u1ea5t, ng\u00e2n h\u00e0ng \u0111\u00e3 ghi nh\u1eadn l\u1ee3i nhu\u1eadn r\u00f2ng l\u00e0 R$3.2 t\u1ef7, t\u0103ng tr\u01b0\u1edfng 8.5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option cung c\u1ea5p c\u00e1c ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 nh\u1eefng k\u1ebft qu\u1ea3 n\u00e0y, l\u00e0m n\u1ed5i b\u1eadt c\u00e1c xu h\u01b0\u1edbng quan tr\u1ecdng cho quy\u1ebft \u0111\u1ecbnh duy tr\u00ec ho\u1eb7c t\u0103ng v\u1ecb tr\u00ed c\u1ee7a b\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>\u0110\u1eb7c \u0111i\u1ec3m c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng lo\u1ea1i c\u1ed5 phi\u1ebfu Santander<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1ed9t th\u00e0nh ph\u1ea7n quan tr\u1ecdng cho nh\u1eefng ng\u01b0\u1eddi nghi\u00ean c\u1ee9u c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander l\u00e0 hi\u1ec3u s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 gi\u1eefa c\u00e1c lo\u1ea1i c\u00f3 s\u1eb5n:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB3 (Th\u01b0\u1eddng): \u0110\u1ea3m b\u1ea3o quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp, l\u00fd t\u01b0\u1edfng cho nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty. C\u1ed5 t\u1ee9c trung b\u00ecnh h\u00e0ng n\u0103m l\u00e0 3.2% trong 3 n\u0103m qua.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB4 (\u01afu \u0111\u00e3i): \u01afu ti\u00ean trong ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c, v\u1edbi c\u1ed5 t\u1ee9c trung b\u00ecnh cao h\u01a1n 10% so v\u1edbi c\u1ed5 phi\u1ebfu th\u01b0\u1eddng. L\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng.<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB11 (\u0110\u01a1n v\u1ecb): K\u1ebft h\u1ee3p m\u1ed9t c\u1ed5 phi\u1ebfu c\u1ee7a m\u1ed7i lo\u1ea1i, cung c\u1ea5p nh\u1eefng \u0111i\u1ec1u t\u1ed1t nh\u1ea5t c\u1ee7a c\u1ea3 hai th\u1ebf gi\u1edbi v\u1edbi t\u00ednh thanh kho\u1ea3n h\u00e0ng ng\u00e0y cao h\u01a1n 4 l\u1ea7n. Kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 2.4 tri\u1ec7u \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c giao d\u1ecbch h\u00e0ng ng\u00e0y.<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u, \u0111\u01a1n v\u1ecb (SANB11) \u0111\u1ea1i di\u1ec7n cho \u0111i\u1ec3m v\u00e0o t\u1ed1t nh\u1ea5t b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i (c\u1ea7n thi\u1ebft cho c\u00e1c l\u1ea7n tho\u00e1t cu\u1ed1i c\u00f9ng) v\u00e0 c\u00e2n b\u1eb1ng gi\u1eefa quy\u1ec1n ch\u00ednh tr\u1ecb v\u00e0 kinh t\u1ebf. N\u0103m 2024, c\u00e1c \u0111\u01a1n v\u1ecb Santander \u0111\u00e3 tr\u00ecnh b\u00e0y kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y cao h\u01a1n 3.8 l\u1ea7n so v\u1edbi c\u1ed5 phi\u1ebfu th\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u1ee7a c\u1ed5 phi\u1ebfu Santander v\u1edbi d\u1eef li\u1ec7u th\u1ef1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tr\u01b0\u1edbc khi \u0111\u1ea7u t\u01b0 v\u1ed1n c\u1ee7a b\u1ea1n, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t ph\u00e2n t\u00edch nghi\u00eam ng\u1eb7t v\u1ec1 c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ee7a Santander. \u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u li\u00ean quan nh\u1ea5t t\u1eeb b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n m\u1edbi nh\u1ea5t \u0111\u1ec3 gi\u00fap b\u1ea1n quy\u1ebft \u0111\u1ecbnh:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1<\/th><th>Gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i<\/th><th>So s\u00e1nh ng\u00e0nh<\/th><\/tr><\/thead><tbody><tr><td>L\u1ee3i nhu\u1eadn r\u00f2ng h\u00e0ng qu\u00fd<\/td><td>R$3.2 t\u1ef7 (+8.5% y\/y)<\/td><td>Cao h\u01a1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 5.7%<\/td><\/tr><tr><td>ROE (L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu)<\/td><td>16.4%<\/td><td>Cao h\u01a1n 2.3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi trung b\u00ecnh c\u1ee7a 4 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t<\/td><\/tr><tr><td>Ch\u1ec9 s\u1ed1 Basel<\/td><td>14.8%<\/td><td>Tho\u1ea3i m\u00e1i tr\u00ean m\u1ee9c t\u1ed1i thi\u1ec3u quy \u0111\u1ecbnh l\u00e0 11%<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3<\/td><td>38.2%<\/td><td>Hi\u1ec7u su\u1ea5t t\u1ed1t nh\u1ea5t trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn (trung b\u00ecnh ng\u00e0nh: 43.5%)<\/td><\/tr><tr><td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn<\/td><td>4.8% p.a.<\/td><td>Cao h\u01a1n m\u1ee9c trung b\u00ecnh c\u1ee7a Ibovespa l\u00e0 3.9%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander, ch\u00fang ta ph\u1ea3i xem x\u00e9t v\u1ecb tr\u00ed c\u1ea1nh tranh c\u1ee7a n\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil. Ng\u00e2n h\u00e0ng \u0111\u00e3 li\u00ean t\u1ee5c gi\u00e0nh \u0111\u01b0\u1ee3c th\u1ecb ph\u1ea7n, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c ph\u00e2n kh\u00fac cho vay thu nh\u1eadp cao v\u00e0 th\u1ebf ch\u1ea5p, n\u01a1i n\u00f3 \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng 18% trong n\u0103m qua, v\u01b0\u1ee3t qua c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp nh\u01b0 Ita\u00fa (12%) v\u00e0 Bradesco (9%).<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>L\u1ee3i th\u1ebf c\u1ea1nh tranh trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Santander \u0111\u00e3 n\u1ed5i b\u1eadt v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00e1ng k\u1ec3 v\u00e0o c\u00f4ng ngh\u1ec7, m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng cho c\u00e1c d\u1ef1 \u00e1n t\u0103ng gi\u00e1 d\u00e0i h\u1ea1n khi mua c\u1ed5 phi\u1ebfu Santander. T\u1ed5 ch\u1ee9c \u0111\u00e3 ph\u00e2n b\u1ed5 R$3.7 t\u1ef7 v\u00e0o n\u0103m 2024 cho c\u00e1c s\u00e1ng ki\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1, bao g\u1ed3m:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i \u1ee9ng d\u1ee5ng ho\u00e0n ch\u1ec9nh (Santander Way, Esfera v\u00e0 OpenBank) v\u1edbi 14.3 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean AI \u0111\u1ed9c quy\u1ec1n \u0111\u00e3 gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 22% trong hai n\u0103m qua<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e1c th\u01b0\u01a1ng v\u1ee5 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a c\u00e1c fintech nh\u01b0 Getnet (thanh to\u00e1n) v\u00e0 Toro (\u0111\u1ea7u t\u01b0) \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a doanh thu<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 s\u1edf h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng m\u1edf cho ph\u00e9p k\u1ebft n\u1ed1i v\u1edbi h\u01a1n 85 t\u1ed5 ch\u1ee9c, m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng s\u00e1ng ki\u1ebfn c\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u1ecbnh v\u1ecb Santander l\u00e0 ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u v\u1ec1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, v\u1edbi chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n 27% so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ef7 l\u1ec7 gi\u1eef ch\u00e2n cao h\u01a1n 35%, theo d\u1eef li\u1ec7u t\u1eeb b\u00e1o c\u00e1o thu nh\u1eadp m\u1edbi nh\u1ea5t.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111i\u1ec3m v\u00e0o l\u00fd t\u01b0\u1edfng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a th\u1eddi \u0111i\u1ec3m v\u00e0o khi mua c\u1ed5 phi\u1ebfu Santander, ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00e1c bi\u1ec3u \u0111\u1ed3 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c ch\u1ec9 b\u00e1o n\u00e2ng cao gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eabu v\u00e0 xu h\u01b0\u1edbng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c m\u1eabu k\u1ef9 thu\u1eadt li\u00ean quan nh\u1ea5t cho c\u1ed5 phi\u1ebfu Santander bao g\u1ed3m:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 b\u00e1o\/M\u1eabu<\/th><th>T\u00ecnh h\u00ecnh hi\u1ec7n t\u1ea1i<\/th><th>Di\u1ec5n gi\u1ea3i chi\u1ebfn l\u01b0\u1ee3c<\/th><\/tr><\/thead><tbody><tr><td>\u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng (20\/50\/200)<\/td><td>MA20 &gt; MA50 &gt; MA200 (xu h\u01b0\u1edbng t\u0103ng)<\/td><td>\"Golden Cross\" (MA50 v\u01b0\u1ee3t qua MA200) x\u1ea3y ra 3 th\u00e1ng tr\u01b0\u1edbc th\u01b0\u1eddng b\u00e1o tr\u01b0\u1edbc s\u1ef1 t\u0103ng gi\u00e1 12-18%<\/td><\/tr><tr><td>MACD<\/td><td>MACD &gt; \u0110\u01b0\u1eddng t\u00edn hi\u1ec7u v\u1edbi ph\u00e2n k\u1ef3 d\u01b0\u01a1ng<\/td><td>Ch\u1ec9 b\u00e1o \u0111\u1ed9ng l\u01b0\u1ee3ng thu\u1eadn l\u1ee3i, g\u1ee3i \u00fd s\u1ef1 ti\u1ebfp t\u1ee5c c\u1ee7a xu h\u01b0\u1edbng t\u0103ng<\/td><\/tr><tr><td>RSI (14 k\u1ef3)<\/td><td>62 (h\u01a1i qu\u00e1 mua)<\/td><td>Theo l\u1ecbch s\u1eed, SANB11 ti\u1ebfp t\u1ee5c t\u0103ng cho \u0111\u1ebfn khi RSI \u0111\u1ea1t 70-75 tr\u01b0\u1edbc khi \u0111i\u1ec1u ch\u1ec9nh<\/td><\/tr><tr><td>H\u1ed7 tr\u1ee3 v\u00e0 Kh\u00e1ng c\u1ef1<\/td><td>H\u1ed7 tr\u1ee3 g\u1ea7n nh\u1ea5t: R$28.70 \/ Kh\u00e1ng c\u1ef1: R$32.50<\/td><td>T\u1ef7 l\u1ec7 r\u1ee7i ro\/l\u1ee3i nhu\u1eadn hi\u1ec7n t\u1ea1i l\u00e0 1:3.2 khi xem x\u00e9t c\u00e1c m\u1ee9c n\u00e0y<\/td><\/tr><tr><td>Fibonacci Retracement<\/td><td>H\u1ee3p nh\u1ea5t t\u1ea1i m\u1ee9c tho\u00e1i lui 38.2% c\u1ee7a xu h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edbc \u0111\u00f3<\/td><td>G\u1ee3i \u00fd s\u1ee9c mua duy tr\u00ec gi\u00e1, v\u1edbi ti\u1ec1m n\u0103ng cho m\u1ed9t \u0111\u1ee3t t\u0103ng m\u1edbi<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt v\u00e0 c\u01a1 b\u1ea3n cung c\u1ea5p c\u00e1i nh\u00ecn \u0111a chi\u1ec1u cho nh\u1eefng ai mu\u1ed1n mua c\u1ed5 phi\u1ebfu Santander m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c. D\u1eef li\u1ec7u c\u1ee7a Pocket Option cho th\u1ea5y r\u1eb1ng c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1eed d\u1ee5ng c\u1ea3 hai ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 32% so v\u1edbi nh\u1eefng ng\u01b0\u1eddi ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u00e1c \u0111\u1ed9ng ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu Santander<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Hi\u1ec7u su\u1ea5t c\u1ee7a c\u1ed5 phi\u1ebfu Santander b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 b\u1edfi c\u00e1c bi\u1ebfn s\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 c\u1ee5 th\u1ec3. Hi\u1ec3u nh\u1eefng m\u1ed1i quan h\u1ec7 n\u00e0y cho ph\u00e9p d\u1ef1 \u0111o\u00e1n c\u00e1c bi\u1ebfn \u0111\u1ed9ng gi\u00e1 v\u00e0 t\u1ed1i \u01b0u h\u00f3a quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4<\/th><th>T\u00e1c \u0111\u1ed9ng \u0111\u1ecbnh l\u01b0\u1ee3ng l\u00ean c\u1ed5 phi\u1ebfu<\/th><th>Quan \u0111i\u1ec3m hi\u1ec7n t\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/th><\/tr><\/thead><tbody><tr><td>L\u00e3i su\u1ea5t Selic<\/td><td>M\u1ed7i l\u1ea7n t\u0103ng 1% trong Selic t\u01b0\u01a1ng quan v\u1edbi +2.3% trong gi\u00e1 (5 n\u0103m qua)<\/td><td>Chu k\u1ef3 duy tr\u00ec Selic \u1edf m\u1ee9c 10.50% c\u00f3 l\u1ee3i cho bi\u00ean \u0111\u1ed9 trung gian t\u00e0i ch\u00ednh<\/td><\/tr><tr><td>L\u1ea1m ph\u00e1t (IPCA)<\/td><td>IPCA &gt; 6% l\u1ecbch s\u1eed g\u00e2y \u00e1p l\u1ef1c l\u00ean P\/E -12%<\/td><td>K\u1ef3 v\u1ecdng IPCA l\u00e0 4.1% cho n\u0103m 2025 l\u00e0 t\u00edch c\u1ef1c cho s\u1ef1 t\u0103ng gi\u00e1<\/td><\/tr><tr><td>T\u0103ng tr\u01b0\u1edfng GDP<\/td><td>M\u1ed7i 1% t\u0103ng tr\u01b0\u1edfng GDP li\u00ean quan \u0111\u1ebfn +3.7% t\u0103ng trong c\u1ed5 phi\u1ebfu<\/td><td>D\u1ef1 b\u00e1o GDP +2.2% cho n\u0103m 2025 duy tr\u00ec tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p<\/td><td>Gi\u1ea3m 1% trong th\u1ea5t nghi\u1ec7p t\u01b0\u01a1ng quan v\u1edbi gi\u1ea3m 2.8% trong t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3<\/td><td>Th\u1ea5t nghi\u1ec7p \u1edf m\u1ee9c 7.9% (m\u1ee9c th\u1ea5p nh\u1ea5t trong 6 n\u0103m) c\u00f3 l\u1ee3i cho ch\u1ea5t l\u01b0\u1ee3ng danh m\u1ee5c t\u00edn d\u1ee5ng<\/td><\/tr><tr><td>D\u00f2ng v\u1ed1n n\u01b0\u1edbc ngo\u00e0i<\/td><td>\u0110\u1ea1i di\u1ec7n cho 38% c\u01a1 s\u1edf c\u1ed5 \u0111\u00f4ng c\u1ee7a Santander t\u1ea1i Brazil<\/td><td>D\u00f2ng v\u1ed1n r\u00f2ng R$12.7 t\u1ef7 trong ng\u00e0nh ng\u00e2n h\u00e0ng trong 2 qu\u00fd v\u1eeba qua<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng, ngo\u00e0i c\u00e1c y\u1ebfu t\u1ed1 trong n\u01b0\u1edbc, Santander c\u00f3 s\u1ef1 nh\u1ea1y c\u1ea3m \u0111\u00e1ng k\u1ec3 v\u1edbi c\u00e1c s\u1ef1 ki\u1ec7n \u1edf T\u00e2y Ban Nha (tr\u1ee5 s\u1edf ch\u00ednh c\u1ee7a t\u1eadp \u0111o\u00e0n) v\u00e0 M\u1ef9 Latinh, n\u01a1i n\u00f3 duy tr\u00ec c\u00e1c ho\u1ea1t \u0111\u1ed9ng quan tr\u1ecdng. M\u1ed7i bi\u1ebfn \u0111\u1ed9ng 1% trong ch\u1ec9 s\u1ed1 IBEX-35 (T\u00e2y Ban Nha) l\u1ecbch s\u1eed t\u01b0\u01a1ng quan v\u1edbi bi\u1ebfn \u0111\u1ed9ng 0.4% trong c\u1ed5 phi\u1ebfu Santander Brazil.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Thu\u1ebf v\u00e0 c\u00e1c kh\u00eda c\u1ea1nh ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ki\u1ebfn th\u1ee9c chi ti\u1ebft v\u1ec1 thu\u1ebf l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u00ednh to\u00e1n l\u1ee3i nhu\u1eadn r\u00f2ng th\u1ef1c t\u1ebf khi mua c\u1ed5 phi\u1ebfu Santander. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil n\u00ean xem x\u00e9t c\u00e1c kh\u00eda c\u1ea1nh sau:<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>C\u1ea5u tr\u00fac thu\u1ebf c\u1ee5 th\u1ec3 cho c\u1ed5 phi\u1ebfu<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bi\u1ebft c\u00e1c quy t\u1eafc thu\u1ebf \u00e1p d\u1ee5ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau v\u1edbi c\u1ed5 phi\u1ebfu Santander:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1ebf thu nh\u1eadp tr\u00ean l\u1ee3i nhu\u1eadn v\u1ed1n: t\u1ef7 l\u1ec7 c\u1ed1 \u0111\u1ecbnh 15% tr\u00ean l\u1ee3i nhu\u1eadn ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Mi\u1ec5n thu\u1ebf cho c\u00e1c giao d\u1ecbch b\u00e1n h\u00e0ng th\u00e1ng l\u00ean \u0111\u1ebfn R$20,000 cho t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 phi\u1ebfu (kh\u00f4ng ch\u1ec9 Santander)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c mi\u1ec5n 100% thu\u1ebf thu nh\u1eadp, m\u1ed9t l\u1ee3i th\u1ebf \u0111\u00e1ng k\u1ec3 khi xem x\u00e9t l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 4.8%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>B\u00f9 l\u1ed7: l\u1ed7 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb v\u1edbi l\u1ee3i nhu\u1eadn trong t\u1ed1i \u0111a 6 n\u0103m<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Khai b\u00e1o b\u1eaft bu\u1ed9c t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n trong t\u1edd khai thu\u1ebf thu nh\u1eadp h\u00e0ng n\u0103m, b\u1ea5t k\u1ec3 s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option khuy\u1ebfn ngh\u1ecb duy tr\u00ec ki\u1ec3m so\u00e1t chi ti\u1ebft t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng, s\u1eed d\u1ee5ng b\u1ea3ng t\u00ednh ho\u1eb7c c\u00e1c \u1ee9ng d\u1ee5ng chuy\u00ean d\u1ee5ng t\u1ef1 \u0111\u1ed9ng t\u00ednh to\u00e1n c\u01a1 s\u1edf thu\u1ebf theo ph\u01b0\u01a1ng ph\u00e1p FIFO (Nh\u1eadp tr\u01b0\u1edbc, Xu\u1ea5t tr\u01b0\u1edbc).<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ngh\u0129a v\u1ee5 thu\u1ebf<\/th><th>H\u1ea1n ch\u00f3t<\/th><th>Quan s\u00e1t th\u1ef1c t\u1ebf<\/th><\/tr><\/thead><tbody><tr><td>Thu\u1ebf thu nh\u1eadp DARF tr\u00ean l\u1ee3i nhu\u1eadn r\u00f2ng<\/td><td>Tr\u01b0\u1edbc ng\u00e0y l\u00e0m vi\u1ec7c cu\u1ed1i c\u00f9ng c\u1ee7a th\u00e1ng sau khi b\u00e1n<\/td><td>M\u00e3: 6015 (giao d\u1ecbch trong ng\u00e0y) ho\u1eb7c 3277 (ho\u1ea1t \u0111\u1ed9ng th\u00f4ng th\u01b0\u1eddng)<\/td><\/tr><tr><td>Tuy\u00ean b\u1ed1 thu\u1ebf thu nh\u1eadp h\u00e0ng n\u0103m<\/td><td>Tr\u01b0\u1edbc ng\u00e0y 30 th\u00e1ng 4 c\u1ee7a n\u0103m sau<\/td><td>B\u00e1o c\u00e1o s\u1ed1 d\u01b0 v\u00e0 c\u00e1c giao d\u1ecbch trong bi\u1ec3u m\u1eabu \"T\u00e0i s\u1ea3n v\u00e0 Quy\u1ec1n\" (m\u00e3 31)<\/td><\/tr><tr><td>B\u00e1o c\u00e1o thu nh\u1eadp m\u00f4i gi\u1edbi<\/td><td>C\u00f3 s\u1eb5n tr\u01b0\u1edbc ng\u00e0y 28 th\u00e1ng 2<\/td><td>Ch\u1ee9a th\u00f4ng tin v\u1ec1 c\u1ed5 t\u1ee9c nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 th\u1ef1c hi\u1ec7n<\/td><\/tr><tr><td>B\u00f9 l\u1ed7<\/td><td>T\u1ed1i \u0111a 6 n\u0103m sau khi x\u1ea3y ra<\/td><td>Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t h\u00e0ng th\u00e1ng, t\u00e1ch bi\u1ec7t theo lo\u1ea1i ho\u1ea1t \u0111\u1ed9ng (th\u00f4ng th\u01b0\u1eddng\/giao d\u1ecbch trong ng\u00e0y)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ngo\u00e0i c\u00e1c kh\u00eda c\u1ea1nh thu\u1ebf, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mua c\u1ed5 phi\u1ebfu Santander t\u1ea1i Brazil n\u00ean bi\u1ebft quy\u1ec1n c\u1ee7a h\u1ecd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u1ed5 \u0111\u00f4ng, bao g\u1ed3m quy\u1ec1n truy c\u1eadp v\u00e0o th\u00f4ng tin li\u00ean quan, tham gia v\u00e0o c\u00e1c s\u1ef1 ki\u1ec7n c\u1ee7a c\u00f4ng ty v\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u0103ng k\u00fd \u01b0u ti\u00ean trong c\u00e1c \u0111\u1ee3t t\u0103ng v\u1ed1n ti\u1ec1m n\u0103ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn v\u1edbi c\u1ed5 phi\u1ebfu Santander<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean d\u1eef li\u1ec7u hi\u1ec7u su\u1ea5t t\u1eeb h\u00e0ng ng\u00e0n nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi Pocket Option, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u00e1c h\u1ed3 s\u01a1 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Chi\u1ebfn l\u01b0\u1ee3c<\/th><th>K\u1ebft qu\u1ea3 l\u1ecbch s\u1eed<\/th><th>H\u1ed3 s\u01a1 l\u00fd t\u01b0\u1edfng v\u00e0 ph\u01b0\u01a1ng ph\u00e1p<\/th><\/tr><\/thead><tbody><tr><td>Mua v\u00e0 gi\u1eef v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c<\/td><td>L\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m trung b\u00ecnh 14.3% trong 5 n\u0103m qua<\/td><td>B\u1ea3o th\u1ee7\/V\u1eeba ph\u1ea3i: Mua v\u00e0 gi\u1eef trong 5+ n\u0103m, t\u00e1i \u0111\u1ea7u t\u01b0 100% c\u1ed5 t\u1ee9c v\u00e0o c\u1ed5 phi\u1ebfu m\u1edbi<\/td><\/tr><tr><td>T\u00edch l\u0169y \u1edf c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt<\/td><td>L\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 28% so v\u1edbi gi\u00e1 th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh<\/td><td>V\u1eeba ph\u1ea3i: Mua d\u1ea7n d\u1ea7n \u1edf c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt v\u00e0 \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50\/200 ng\u00e0y<\/td><\/tr><tr><td>Vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m<\/td><td>T\u1ea1o thu nh\u1eadp b\u1ed5 sung 4-6% p.a. tr\u00ean v\u1ed1n \u0111\u1ea7u t\u01b0<\/td><td>N\u00e2ng cao: Mua c\u1ed5 phi\u1ebfu + b\u00e1n quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u0103ng l\u1ee3i nhu\u1eadn<\/td><\/tr><tr><td>Arbitrage gi\u1eefa c\u00e1c lo\u1ea1i c\u1ed5 phi\u1ebfu<\/td><td>N\u1eafm b\u1eaft c\u00e1c bi\u1ebfn \u0111\u1ed9ng 3-5% gi\u1eefa ON\/PN\/Units<\/td><td>N\u00e2ng cao: T\u1eadn d\u1ee5ng s\u1ef1 ch\u00eanh l\u1ec7ch gi\u00e1 t\u1ea1m th\u1eddi gi\u1eefa SANB3, SANB4 v\u00e0 SANB11<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u00ed d\u1ee5 th\u1ef1c t\u1ebf: M\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e3 \u0111\u1ea7u t\u01b0 R$10,000 v\u00e0o c\u1ed5 phi\u1ebfu SANB11 v\u00e0o th\u00e1ng 1 n\u0103m 2020 v\u00e0 t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ea5t c\u1ea3 c\u1ed5 t\u1ee9c s\u1ebd c\u00f3 kho\u1ea3ng R$18,470 h\u00f4m nay (l\u1ee3i nhu\u1eadn 84.7%), so v\u1edbi R$15,230 m\u00e0 kh\u00f4ng t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c (l\u1ee3i nhu\u1eadn 52.3%).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng, b\u1ea5t k\u1ec3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c ch\u1ecdn, \u0111a d\u1ea1ng h\u00f3a \u0111\u00fang c\u00e1ch l\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n. Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tin t\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u00e0o ti\u1ec1m n\u0103ng c\u1ee7a Santander, m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac l\u00fd t\u01b0\u1edfng v\u1edbi m\u1ed9t t\u00e0i s\u1ea3n duy nh\u1ea5t kh\u00f4ng n\u00ean v\u01b0\u1ee3t qu\u00e1 10-15% c\u1ee7a t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eeba ph\u1ea3i.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>So s\u00e1nh \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng Brazil kh\u00e1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua c\u1ed5 phi\u1ebfu Santander, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 so s\u00e1nh hi\u1ec7u su\u1ea5t, ch\u1ec9 s\u1ed1 v\u00e0 tri\u1ec3n v\u1ecdng c\u1ee7a n\u00f3 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn kh\u00e1c trong ng\u00e0nh t\u00e0i ch\u00ednh Brazil.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>T\u1ed5 ch\u1ee9c<\/th><th>P\/E hi\u1ec7n t\u1ea1i<\/th><th>ROE<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/th><th>T\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng (y\/y)<\/th><\/tr><\/thead><tbody><tr><td>Santander (SANB11)<\/td><td>8.7<\/td><td>16.4%<\/td><td>4.8%<\/td><td>13.2%<\/td><\/tr><tr><td>Ita\u00fa (ITUB4)<\/td><td>9.3<\/td><td>18.7%<\/td><td>5.2%<\/td><td>9.5%<\/td><\/tr><tr><td>Bradesco (BBDC4)<\/td><td>7.8<\/td><td>13.9%<\/td><td>6.1%<\/td><td>7.8%<\/td><\/tr><tr><td>Banco do Brasil (BBAS3)<\/td><td>5.4<\/td><td>15.2%<\/td><td>8.3%<\/td><td>10.4%<\/td><\/tr><tr><td>Trung b\u00ecnh ng\u00e0nh<\/td><td>7.8<\/td><td>16.1%<\/td><td>6.1%<\/td><td>10.2%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch so s\u00e1nh c\u1ee7a Pocket Option ch\u1ec9 ra r\u1eb1ng Santander n\u1ed5i b\u1eadt trong t\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng (cao h\u01a1n 28% so v\u1edbi trung b\u00ecnh ng\u00e0nh) v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng. D\u1eef li\u1ec7u ti\u1ebft l\u1ed9 r\u1eb1ng, m\u1eb7c d\u00f9 Ita\u00fa c\u00f3 ROE cao h\u01a1n v\u00e0 Banco do Brasil cung c\u1ea5p l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao h\u01a1n, Santander th\u1ec3 hi\u1ec7n s\u1ef1 c\u00e2n b\u1eb1ng v\u01b0\u1ee3t tr\u1ed9i gi\u1eefa t\u0103ng tr\u01b0\u1edfng, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 l\u1ee3i nhu\u1eadn.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: Tri\u1ec3n v\u1ecdng c\u1ee5 th\u1ec3 cho c\u1ed5 phi\u1ebfu Santander v\u00e0o n\u0103m 2025-2026<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>N\u1eafm v\u1eefng c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander ch\u1ec9 l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t v\u1ecb tr\u00ed c\u00f3 l\u1ee3i nhu\u1eadn trong t\u00e0i s\u1ea3n n\u00e0y. Ph\u00e2n t\u00edch t\u00edch h\u1ee3p c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 \u0111\u00e3 th\u1ea3o lu\u1eadn ti\u1ebft l\u1ed9 m\u1ed9t k\u1ecbch b\u1ea3n thu\u1eadn l\u1ee3i cho trung v\u00e0 d\u00e0i h\u1ea1n, v\u1edbi t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp tr\u00ean m\u1ed7i c\u1ed5 phi\u1ebfu d\u1ef1 ki\u1ebfn l\u00e0 11.7% cho n\u0103m 2025 v\u00e0 9.8% cho n\u0103m 2026.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Santander Brazil th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c k\u1ecbch b\u1ea3n kinh t\u1ebf kh\u00f3 kh\u0103n. Trong khi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ee7a n\u00f3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 suy gi\u1ea3m ROE trung b\u00ecnh 8.2% trong cu\u1ed9c suy tho\u00e1i n\u0103m 2020, Santander ch\u1ec9 ghi nh\u1eadn s\u1ef1 gi\u1ea3m 3.7%, ch\u1ee9ng t\u1ecf s\u1ef1 b\u1ec1n b\u1ec9 l\u1edbn h\u01a1n. Chi\u1ebfn l\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a n\u00f3 \u0111\u00e3 mang l\u1ea1i 2.7 tri\u1ec7u kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0o n\u0103m 2024, v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 32% so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option d\u1ef1 ki\u1ebfn gi\u00e1 m\u1ee5c ti\u00eau l\u00e0 R$36.70 cho SANB11 trong 12 th\u00e1ng t\u1edbi, \u0111\u1ea1i di\u1ec7n cho ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 18.3% so v\u1edbi gi\u00e1 hi\u1ec7n t\u1ea1i, ch\u01b0a t\u00ednh c\u1ed5 t\u1ee9c. Th\u00eam l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn l\u00e0 4.8%, t\u1ed5ng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn g\u1ea7n 23.1%.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 gi\u00e1m s\u00e1t kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n v\u00e0o c\u1ed5 phi\u1ebfu Santander, ch\u00fang t\u00f4i khuy\u1ebfn ngh\u1ecb theo d\u00f5i h\u00e0ng qu\u00fd c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh sau: t\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng, t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3, bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t r\u00f2ng v\u00e0 t\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3. Pocket Option cung c\u1ea5p c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y, cho ph\u00e9p b\u1ea1n ph\u1ea3n \u1ee9ng nhanh ch\u00f3ng v\u1edbi c\u00e1c thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ea7u t\u01b0 ngay h\u00f4m nay v\u00e0o c\u1ed5 phi\u1ebfu Santander v\u1edbi h\u01b0\u1edbng d\u1eabn chuy\u00ean bi\u1ec7t c\u1ee7a Pocket Option v\u00e0 t\u1ed1i \u0111a h\u00f3a k\u1ebft qu\u1ea3 c\u1ee7a b\u1ea1n v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n chi ti\u1ebft. \u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i s\u1eb5n s\u00e0ng h\u1ed7 tr\u1ee3 trong m\u1ecdi b\u01b0\u1edbc c\u1ee7a qu\u00e1 tr\u00ecnh \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n, t\u1eeb vi\u1ec7c ch\u1ecdn lo\u1ea1i c\u1ed5 phi\u1ebfu t\u1ed1t nh\u1ea5t \u0111\u1ebfn c\u1ea5u tr\u00fac chi\u1ebfn l\u01b0\u1ee3c d\u00e0i h\u1ea1n c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a b\u1ea1n.<\/p><\/div>[cta_button text=\"\"]","body_html_source":{"label":"Body HTML","type":"wysiwyg","formatted_value":"<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Hi\u1ec3u gi\u00e1 tr\u1ecb c\u1ee7a c\u1ed5 phi\u1ebfu Santander tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil v\u00e0o n\u0103m 2025<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Banco Santander chi\u1ebfm v\u1ecb tr\u00ed l\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn th\u1ee9 ba t\u1ea1i Brazil, v\u1edbi h\u01a1n 9 tri\u1ec7u kh\u00e1ch h\u00e0ng ho\u1ea1t \u0111\u1ed9ng v\u00e0 v\u1ed1n h\u00f3a th\u1ecb tr\u01b0\u1eddng v\u01b0\u1ee3t qu\u00e1 R$100 t\u1ef7. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil, vi\u1ec7c hi\u1ec3u c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander \u0111\u00e3 tr\u1edf n\u00ean c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 b\u1ec1n v\u1eefng k\u1ebft h\u1ee3p gi\u1eefa c\u1ed5 t\u1ee9c \u1ed5n \u0111\u1ecbnh v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y Santander \u0111\u01b0\u1ee3c giao d\u1ecbch d\u01b0\u1edbi ba m\u00e3 kh\u00e1c nhau: SANB11 (\u0111\u01a1n v\u1ecb, k\u1ebft h\u1ee3p m\u1ed9t c\u1ed5 phi\u1ebfu th\u01b0\u1eddng v\u00e0 m\u1ed9t c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i), SANB3 (c\u1ed5 phi\u1ebfu th\u01b0\u1eddng, c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft) v\u00e0 SANB4 (c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i, c\u00f3 \u01b0u ti\u00ean c\u1ed5 t\u1ee9c). M\u1ed7i lo\u1ea1i cung c\u1ea5p nh\u1eefng l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3 t\u00f9y thu\u1ed9c v\u00e0o chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 ph\u00e2n t\u00edch t\u1ea1i Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Santander \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 b\u1ec1n b\u1ec9 \u0111\u00e1ng k\u1ec3 trong c\u00e1c chu k\u1ef3 kinh t\u1ebf kh\u00f3 kh\u0103n. Gi\u1eefa n\u0103m 2020 v\u00e0 2024, ngay c\u1ea3 trong nh\u1eefng giai \u0111o\u1ea1n bi\u1ebfn \u0111\u1ed9ng, ng\u00e2n h\u00e0ng v\u1eabn duy tr\u00ec ROE (L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu) trung b\u00ecnh l\u00e0 14,3%, v\u01b0\u1ee3t qua m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Brazil l\u00e0 12,8%. Hi\u1ec7u su\u1ea5t n\u00e0y cho th\u1ea5y hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u01b0\u1ee3t tr\u1ed9i v\u1edbi c\u00e1c thay \u0111\u1ed5i quy \u0111\u1ecbnh.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>M\u1eb9o chi ti\u1ebft v\u1edbi c\u00e1c khuy\u1ebfn m\u00e3i c\u1ee7a Santander t\u1ea1i Brazil<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n bi\u1ebft ch\u00ednh x\u00e1c c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander, ch\u00fang t\u00f4i \u0111\u00e3 chu\u1ea9n b\u1ecb m\u1ed9t l\u1ed9 tr\u00ecnh ho\u00e0n ch\u1ec9nh d\u1ef1a tr\u00ean kinh nghi\u1ec7m c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi n\u1ec1n t\u1ea3ng Pocket Option:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>B\u01b0\u1edbc<\/th>\n<th>M\u00f4 t\u1ea3 chi ti\u1ebft<\/th>\n<th>Khuy\u1ebfn ngh\u1ecb th\u1ef1c t\u1ebf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1. Ch\u1ecdn m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi<\/td>\n<td>Ch\u1ecdn m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi \u0111\u01b0\u1ee3c CVM \u0111i\u1ec1u ch\u1ec9nh v\u1edbi ph\u00ed c\u1ea1nh tranh<\/td>\n<td>XP, Clear v\u00e0 Nu Invest cung c\u1ea5p chi ph\u00ed b\u1eb1ng kh\u00f4ng cho vi\u1ec7c mua c\u1ed5 phi\u1ebfu. C\u0169ng xem x\u00e9t Pocket Option Broker \u0111\u1ec3 c\u00f3 c\u00e1c ph\u00e2n t\u00edch \u0111\u1ed9c quy\u1ec1n.<\/td>\n<\/tr>\n<tr>\n<td>2. M\u1edf t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n<\/td>\n<td>Ho\u00e0n th\u00e0nh \u0111\u0103ng k\u00fd k\u1ef9 thu\u1eadt s\u1ed1 b\u1eb1ng c\u00e1ch g\u1eedi ID\/gi\u1ea5y ph\u00e9p l\u00e1i xe, b\u1eb1ng ch\u1ee9ng c\u01b0 tr\u00fa v\u00e0 \u1ea3nh t\u1ef1 ch\u1ee5p<\/td>\n<td>Qu\u00e1 tr\u00ecnh m\u1ea5t t\u1eeb 1-3 ng\u00e0y l\u00e0m vi\u1ec7c. Chu\u1ea9n b\u1ecb t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc.<\/td>\n<\/tr>\n<tr>\n<td>3. Chuy\u1ec3n ti\u1ec1n<\/td>\n<td>G\u1eedi ti\u1ec1n qua PIX (ngay l\u1eadp t\u1ee9c) ho\u1eb7c TED (t\u1ed1i \u0111a D+1)<\/td>\n<td>Chuy\u1ec3n kho\u1ea3n \u0111\u1ea7u ti\u00ean th\u01b0\u1eddng b\u1ecb gi\u1edbi h\u1ea1n t\u1eeb R$2,000-R$5,000 v\u00ec l\u00fd do b\u1ea3o m\u1eadt.<\/td>\n<\/tr>\n<tr>\n<td>4. Truy c\u1eadp nh\u00e0 m\u00f4i gi\u1edbi<\/td>\n<td>S\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng giao d\u1ecbch qua web ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng<\/td>\n<td>Thi\u1ebft l\u1eadp c\u1ea3nh b\u00e1o gi\u00e1 cho c\u00e1c m\u1ee5c ti\u00eau nh\u1eadp c\u1ee7a b\u1ea1n (v\u00ed d\u1ee5: R$28.50 cho SANB11).<\/td>\n<\/tr>\n<tr>\n<td>5. T\u00ecm m\u00e3 ch\u1ee9ng kho\u00e1n<\/td>\n<td>T\u00ecm ki\u1ebfm SANB11 (giao d\u1ecbch nhi\u1ec1u nh\u1ea5t), SANB3 ho\u1eb7c SANB4<\/td>\n<td>SANB11 c\u00f3 t\u00ednh thanh kho\u1ea3n cao h\u01a1n (kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 R$48 tri\u1ec7u).<\/td>\n<\/tr>\n<tr>\n<td>6. Th\u1ef1c hi\u1ec7n l\u1ec7nh<\/td>\n<td>Ch\u1ecdn gi\u1eefa l\u1ec7nh th\u1ecb tr\u01b0\u1eddng (th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c) ho\u1eb7c l\u1ec7nh gi\u1edbi h\u1ea1n (gi\u00e1 c\u1ee5 th\u1ec3)<\/td>\n<td>\u0110\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, l\u1ec7nh gi\u1edbi h\u1ea1n th\u01b0\u1eddng cung c\u1ea5p gi\u00e1 trung b\u00ecnh t\u1ed1t h\u01a1n.<\/td>\n<\/tr>\n<tr>\n<td>7. Gi\u00e1m s\u00e1t kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n<\/td>\n<td>Theo d\u00f5i k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd v\u00e0 c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh<\/td>\n<td>Thi\u1ebft l\u1eadp c\u1ea3nh b\u00e1o cho c\u00e1c b\u00e1o c\u00e1o h\u00e0ng qu\u00fd v\u00e0 ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Sau khi th\u1ef1c hi\u1ec7n mua h\u00e0ng c\u1ee7a b\u1ea1n, h\u00e3y c\u1eadp nh\u1eadt th\u00f4ng tin v\u1ec1 k\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a Santander. Trong qu\u00fd \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o g\u1ea7n nh\u1ea5t, ng\u00e2n h\u00e0ng \u0111\u00e3 ghi nh\u1eadn l\u1ee3i nhu\u1eadn r\u00f2ng l\u00e0 R$3.2 t\u1ef7, t\u0103ng tr\u01b0\u1edfng 8.5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option cung c\u1ea5p c\u00e1c ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 nh\u1eefng k\u1ebft qu\u1ea3 n\u00e0y, l\u00e0m n\u1ed5i b\u1eadt c\u00e1c xu h\u01b0\u1edbng quan tr\u1ecdng cho quy\u1ebft \u0111\u1ecbnh duy tr\u00ec ho\u1eb7c t\u0103ng v\u1ecb tr\u00ed c\u1ee7a b\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>\u0110\u1eb7c \u0111i\u1ec3m c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng lo\u1ea1i c\u1ed5 phi\u1ebfu Santander<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>M\u1ed9t th\u00e0nh ph\u1ea7n quan tr\u1ecdng cho nh\u1eefng ng\u01b0\u1eddi nghi\u00ean c\u1ee9u c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander l\u00e0 hi\u1ec3u s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 gi\u1eefa c\u00e1c lo\u1ea1i c\u00f3 s\u1eb5n:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB3 (Th\u01b0\u1eddng): \u0110\u1ea3m b\u1ea3o quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp, l\u00fd t\u01b0\u1edfng cho nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty. C\u1ed5 t\u1ee9c trung b\u00ecnh h\u00e0ng n\u0103m l\u00e0 3.2% trong 3 n\u0103m qua.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB4 (\u01afu \u0111\u00e3i): \u01afu ti\u00ean trong ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c, v\u1edbi c\u1ed5 t\u1ee9c trung b\u00ecnh cao h\u01a1n 10% so v\u1edbi c\u1ed5 phi\u1ebfu th\u01b0\u1eddng. L\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng.<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>SANB11 (\u0110\u01a1n v\u1ecb): K\u1ebft h\u1ee3p m\u1ed9t c\u1ed5 phi\u1ebfu c\u1ee7a m\u1ed7i lo\u1ea1i, cung c\u1ea5p nh\u1eefng \u0111i\u1ec1u t\u1ed1t nh\u1ea5t c\u1ee7a c\u1ea3 hai th\u1ebf gi\u1edbi v\u1edbi t\u00ednh thanh kho\u1ea3n h\u00e0ng ng\u00e0y cao h\u01a1n 4 l\u1ea7n. Kh\u1ed1i l\u01b0\u1ee3ng trung b\u00ecnh 2.4 tri\u1ec7u \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c giao d\u1ecbch h\u00e0ng ng\u00e0y.<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u, \u0111\u01a1n v\u1ecb (SANB11) \u0111\u1ea1i di\u1ec7n cho \u0111i\u1ec3m v\u00e0o t\u1ed1t nh\u1ea5t b\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i (c\u1ea7n thi\u1ebft cho c\u00e1c l\u1ea7n tho\u00e1t cu\u1ed1i c\u00f9ng) v\u00e0 c\u00e2n b\u1eb1ng gi\u1eefa quy\u1ec1n ch\u00ednh tr\u1ecb v\u00e0 kinh t\u1ebf. N\u0103m 2024, c\u00e1c \u0111\u01a1n v\u1ecb Santander \u0111\u00e3 tr\u00ecnh b\u00e0y kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y cao h\u01a1n 3.8 l\u1ea7n so v\u1edbi c\u1ed5 phi\u1ebfu th\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n c\u1ee7a c\u1ed5 phi\u1ebfu Santander v\u1edbi d\u1eef li\u1ec7u th\u1ef1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tr\u01b0\u1edbc khi \u0111\u1ea7u t\u01b0 v\u1ed1n c\u1ee7a b\u1ea1n, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 th\u1ef1c hi\u1ec7n m\u1ed9t ph\u00e2n t\u00edch nghi\u00eam ng\u1eb7t v\u1ec1 c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh c\u1ee7a Santander. \u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u li\u00ean quan nh\u1ea5t t\u1eeb b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n m\u1edbi nh\u1ea5t \u0111\u1ec3 gi\u00fap b\u1ea1n quy\u1ebft \u0111\u1ecbnh:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1<\/th>\n<th>Gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i<\/th>\n<th>So s\u00e1nh ng\u00e0nh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u1ee3i nhu\u1eadn r\u00f2ng h\u00e0ng qu\u00fd<\/td>\n<td>R$3.2 t\u1ef7 (+8.5% y\/y)<\/td>\n<td>Cao h\u01a1n m\u1ee9c t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 5.7%<\/td>\n<\/tr>\n<tr>\n<td>ROE (L\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu)<\/td>\n<td>16.4%<\/td>\n<td>Cao h\u01a1n 2.3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m so v\u1edbi trung b\u00ecnh c\u1ee7a 4 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t<\/td>\n<\/tr>\n<tr>\n<td>Ch\u1ec9 s\u1ed1 Basel<\/td>\n<td>14.8%<\/td>\n<td>Tho\u1ea3i m\u00e1i tr\u00ean m\u1ee9c t\u1ed1i thi\u1ec3u quy \u0111\u1ecbnh l\u00e0 11%<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3<\/td>\n<td>38.2%<\/td>\n<td>Hi\u1ec7u su\u1ea5t t\u1ed1t nh\u1ea5t trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn (trung b\u00ecnh ng\u00e0nh: 43.5%)<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn<\/td>\n<td>4.8% p.a.<\/td>\n<td>Cao h\u01a1n m\u1ee9c trung b\u00ecnh c\u1ee7a Ibovespa l\u00e0 3.9%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Khi ph\u00e2n t\u00edch c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander, ch\u00fang ta ph\u1ea3i xem x\u00e9t v\u1ecb tr\u00ed c\u1ea1nh tranh c\u1ee7a n\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil. Ng\u00e2n h\u00e0ng \u0111\u00e3 li\u00ean t\u1ee5c gi\u00e0nh \u0111\u01b0\u1ee3c th\u1ecb ph\u1ea7n, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c ph\u00e2n kh\u00fac cho vay thu nh\u1eadp cao v\u00e0 th\u1ebf ch\u1ea5p, n\u01a1i n\u00f3 \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng 18% trong n\u0103m qua, v\u01b0\u1ee3t qua c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp nh\u01b0 Ita\u00fa (12%) v\u00e0 Bradesco (9%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>L\u1ee3i th\u1ebf c\u1ea1nh tranh trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Santander \u0111\u00e3 n\u1ed5i b\u1eadt v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00e1ng k\u1ec3 v\u00e0o c\u00f4ng ngh\u1ec7, m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng cho c\u00e1c d\u1ef1 \u00e1n t\u0103ng gi\u00e1 d\u00e0i h\u1ea1n khi mua c\u1ed5 phi\u1ebfu Santander. T\u1ed5 ch\u1ee9c \u0111\u00e3 ph\u00e2n b\u1ed5 R$3.7 t\u1ef7 v\u00e0o n\u0103m 2024 cho c\u00e1c s\u00e1ng ki\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1, bao g\u1ed3m:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 sinh th\u00e1i \u1ee9ng d\u1ee5ng ho\u00e0n ch\u1ec9nh (Santander Way, Esfera v\u00e0 OpenBank) v\u1edbi 14.3 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ho\u1ea1t \u0111\u1ed9ng h\u00e0ng th\u00e1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ec7 th\u1ed1ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean AI \u0111\u1ed9c quy\u1ec1n \u0111\u00e3 gi\u1ea3m t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 22% trong hai n\u0103m qua<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e1c th\u01b0\u01a1ng v\u1ee5 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a c\u00e1c fintech nh\u01b0 Getnet (thanh to\u00e1n) v\u00e0 Toro (\u0111\u1ea7u t\u01b0) \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a doanh thu<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u01a1 s\u1edf h\u1ea1 t\u1ea7ng ng\u00e2n h\u00e0ng m\u1edf cho ph\u00e9p k\u1ebft n\u1ed1i v\u1edbi h\u01a1n 85 t\u1ed5 ch\u1ee9c, m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u1eefng s\u00e1ng ki\u1ebfn c\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u1ecbnh v\u1ecb Santander l\u00e0 ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u v\u1ec1 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, v\u1edbi chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n 27% so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 t\u1ef7 l\u1ec7 gi\u1eef ch\u00e2n cao h\u01a1n 35%, theo d\u1eef li\u1ec7u t\u1eeb b\u00e1o c\u00e1o thu nh\u1eadp m\u1edbi nh\u1ea5t.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt n\u00e2ng cao \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111i\u1ec3m v\u00e0o l\u00fd t\u01b0\u1edfng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a th\u1eddi \u0111i\u1ec3m v\u00e0o khi mua c\u1ed5 phi\u1ebfu Santander, ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb. N\u1ec1n t\u1ea3ng Pocket Option cung c\u1ea5p c\u00e1c bi\u1ec3u \u0111\u1ed3 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c ch\u1ec9 b\u00e1o n\u00e2ng cao gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1eabu v\u00e0 xu h\u01b0\u1edbng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c m\u1eabu k\u1ef9 thu\u1eadt li\u00ean quan nh\u1ea5t cho c\u1ed5 phi\u1ebfu Santander bao g\u1ed3m:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 b\u00e1o\/M\u1eabu<\/th>\n<th>T\u00ecnh h\u00ecnh hi\u1ec7n t\u1ea1i<\/th>\n<th>Di\u1ec5n gi\u1ea3i chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng (20\/50\/200)<\/td>\n<td>MA20 &gt; MA50 &gt; MA200 (xu h\u01b0\u1edbng t\u0103ng)<\/td>\n<td>&#8220;Golden Cross&#8221; (MA50 v\u01b0\u1ee3t qua MA200) x\u1ea3y ra 3 th\u00e1ng tr\u01b0\u1edbc th\u01b0\u1eddng b\u00e1o tr\u01b0\u1edbc s\u1ef1 t\u0103ng gi\u00e1 12-18%<\/td>\n<\/tr>\n<tr>\n<td>MACD<\/td>\n<td>MACD &gt; \u0110\u01b0\u1eddng t\u00edn hi\u1ec7u v\u1edbi ph\u00e2n k\u1ef3 d\u01b0\u01a1ng<\/td>\n<td>Ch\u1ec9 b\u00e1o \u0111\u1ed9ng l\u01b0\u1ee3ng thu\u1eadn l\u1ee3i, g\u1ee3i \u00fd s\u1ef1 ti\u1ebfp t\u1ee5c c\u1ee7a xu h\u01b0\u1edbng t\u0103ng<\/td>\n<\/tr>\n<tr>\n<td>RSI (14 k\u1ef3)<\/td>\n<td>62 (h\u01a1i qu\u00e1 mua)<\/td>\n<td>Theo l\u1ecbch s\u1eed, SANB11 ti\u1ebfp t\u1ee5c t\u0103ng cho \u0111\u1ebfn khi RSI \u0111\u1ea1t 70-75 tr\u01b0\u1edbc khi \u0111i\u1ec1u ch\u1ec9nh<\/td>\n<\/tr>\n<tr>\n<td>H\u1ed7 tr\u1ee3 v\u00e0 Kh\u00e1ng c\u1ef1<\/td>\n<td>H\u1ed7 tr\u1ee3 g\u1ea7n nh\u1ea5t: R$28.70 \/ Kh\u00e1ng c\u1ef1: R$32.50<\/td>\n<td>T\u1ef7 l\u1ec7 r\u1ee7i ro\/l\u1ee3i nhu\u1eadn hi\u1ec7n t\u1ea1i l\u00e0 1:3.2 khi xem x\u00e9t c\u00e1c m\u1ee9c n\u00e0y<\/td>\n<\/tr>\n<tr>\n<td>Fibonacci Retracement<\/td>\n<td>H\u1ee3p nh\u1ea5t t\u1ea1i m\u1ee9c tho\u00e1i lui 38.2% c\u1ee7a xu h\u01b0\u1edbng t\u0103ng tr\u01b0\u1edbc \u0111\u00f3<\/td>\n<td>G\u1ee3i \u00fd s\u1ee9c mua duy tr\u00ec gi\u00e1, v\u1edbi ti\u1ec1m n\u0103ng cho m\u1ed9t \u0111\u1ee3t t\u0103ng m\u1edbi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt v\u00e0 c\u01a1 b\u1ea3n cung c\u1ea5p c\u00e1i nh\u00ecn \u0111a chi\u1ec1u cho nh\u1eefng ai mu\u1ed1n mua c\u1ed5 phi\u1ebfu Santander m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c. D\u1eef li\u1ec7u c\u1ee7a Pocket Option cho th\u1ea5y r\u1eb1ng c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 s\u1eed d\u1ee5ng c\u1ea3 hai ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 32% so v\u1edbi nh\u1eefng ng\u01b0\u1eddi ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u00e1c \u0111\u1ed9ng ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 \u0111\u1ed1i v\u1edbi c\u1ed5 phi\u1ebfu Santander<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Hi\u1ec7u su\u1ea5t c\u1ee7a c\u1ed5 phi\u1ebfu Santander b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 b\u1edfi c\u00e1c bi\u1ebfn s\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 c\u1ee5 th\u1ec3. Hi\u1ec3u nh\u1eefng m\u1ed1i quan h\u1ec7 n\u00e0y cho ph\u00e9p d\u1ef1 \u0111o\u00e1n c\u00e1c bi\u1ebfn \u0111\u1ed9ng gi\u00e1 v\u00e0 t\u1ed1i \u01b0u h\u00f3a quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4<\/th>\n<th>T\u00e1c \u0111\u1ed9ng \u0111\u1ecbnh l\u01b0\u1ee3ng l\u00ean c\u1ed5 phi\u1ebfu<\/th>\n<th>Quan \u0111i\u1ec3m hi\u1ec7n t\u1ea1i cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t Selic<\/td>\n<td>M\u1ed7i l\u1ea7n t\u0103ng 1% trong Selic t\u01b0\u01a1ng quan v\u1edbi +2.3% trong gi\u00e1 (5 n\u0103m qua)<\/td>\n<td>Chu k\u1ef3 duy tr\u00ec Selic \u1edf m\u1ee9c 10.50% c\u00f3 l\u1ee3i cho bi\u00ean \u0111\u1ed9 trung gian t\u00e0i ch\u00ednh<\/td>\n<\/tr>\n<tr>\n<td>L\u1ea1m ph\u00e1t (IPCA)<\/td>\n<td>IPCA &gt; 6% l\u1ecbch s\u1eed g\u00e2y \u00e1p l\u1ef1c l\u00ean P\/E -12%<\/td>\n<td>K\u1ef3 v\u1ecdng IPCA l\u00e0 4.1% cho n\u0103m 2025 l\u00e0 t\u00edch c\u1ef1c cho s\u1ef1 t\u0103ng gi\u00e1<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng tr\u01b0\u1edfng GDP<\/td>\n<td>M\u1ed7i 1% t\u0103ng tr\u01b0\u1edfng GDP li\u00ean quan \u0111\u1ebfn +3.7% t\u0103ng trong c\u1ed5 phi\u1ebfu<\/td>\n<td>D\u1ef1 b\u00e1o GDP +2.2% cho n\u0103m 2025 duy tr\u00ec tri\u1ec3n v\u1ecdng t\u00edch c\u1ef1c v\u1eeba ph\u1ea3i<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p<\/td>\n<td>Gi\u1ea3m 1% trong th\u1ea5t nghi\u1ec7p t\u01b0\u01a1ng quan v\u1edbi gi\u1ea3m 2.8% trong t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3<\/td>\n<td>Th\u1ea5t nghi\u1ec7p \u1edf m\u1ee9c 7.9% (m\u1ee9c th\u1ea5p nh\u1ea5t trong 6 n\u0103m) c\u00f3 l\u1ee3i cho ch\u1ea5t l\u01b0\u1ee3ng danh m\u1ee5c t\u00edn d\u1ee5ng<\/td>\n<\/tr>\n<tr>\n<td>D\u00f2ng v\u1ed1n n\u01b0\u1edbc ngo\u00e0i<\/td>\n<td>\u0110\u1ea1i di\u1ec7n cho 38% c\u01a1 s\u1edf c\u1ed5 \u0111\u00f4ng c\u1ee7a Santander t\u1ea1i Brazil<\/td>\n<td>D\u00f2ng v\u1ed1n r\u00f2ng R$12.7 t\u1ef7 trong ng\u00e0nh ng\u00e2n h\u00e0ng trong 2 qu\u00fd v\u1eeba qua<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng, ngo\u00e0i c\u00e1c y\u1ebfu t\u1ed1 trong n\u01b0\u1edbc, Santander c\u00f3 s\u1ef1 nh\u1ea1y c\u1ea3m \u0111\u00e1ng k\u1ec3 v\u1edbi c\u00e1c s\u1ef1 ki\u1ec7n \u1edf T\u00e2y Ban Nha (tr\u1ee5 s\u1edf ch\u00ednh c\u1ee7a t\u1eadp \u0111o\u00e0n) v\u00e0 M\u1ef9 Latinh, n\u01a1i n\u00f3 duy tr\u00ec c\u00e1c ho\u1ea1t \u0111\u1ed9ng quan tr\u1ecdng. M\u1ed7i bi\u1ebfn \u0111\u1ed9ng 1% trong ch\u1ec9 s\u1ed1 IBEX-35 (T\u00e2y Ban Nha) l\u1ecbch s\u1eed t\u01b0\u01a1ng quan v\u1edbi bi\u1ebfn \u0111\u1ed9ng 0.4% trong c\u1ed5 phi\u1ebfu Santander Brazil.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Thu\u1ebf v\u00e0 c\u00e1c kh\u00eda c\u1ea1nh ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 cho nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ki\u1ebfn th\u1ee9c chi ti\u1ebft v\u1ec1 thu\u1ebf l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 t\u00ednh to\u00e1n l\u1ee3i nhu\u1eadn r\u00f2ng th\u1ef1c t\u1ebf khi mua c\u1ed5 phi\u1ebfu Santander. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil n\u00ean xem x\u00e9t c\u00e1c kh\u00eda c\u1ea1nh sau:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>C\u1ea5u tr\u00fac thu\u1ebf c\u1ee5 th\u1ec3 cho c\u1ed5 phi\u1ebfu<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bi\u1ebft c\u00e1c quy t\u1eafc thu\u1ebf \u00e1p d\u1ee5ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau v\u1edbi c\u1ed5 phi\u1ebfu Santander:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Thu\u1ebf thu nh\u1eadp tr\u00ean l\u1ee3i nhu\u1eadn v\u1ed1n: t\u1ef7 l\u1ec7 c\u1ed1 \u0111\u1ecbnh 15% tr\u00ean l\u1ee3i nhu\u1eadn ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u00e1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Mi\u1ec5n thu\u1ebf cho c\u00e1c giao d\u1ecbch b\u00e1n h\u00e0ng th\u00e1ng l\u00ean \u0111\u1ebfn R$20,000 cho t\u1ea5t c\u1ea3 c\u00e1c c\u1ed5 phi\u1ebfu (kh\u00f4ng ch\u1ec9 Santander)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c mi\u1ec5n 100% thu\u1ebf thu nh\u1eadp, m\u1ed9t l\u1ee3i th\u1ebf \u0111\u00e1ng k\u1ec3 khi xem x\u00e9t l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 4.8%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>B\u00f9 l\u1ed7: l\u1ed7 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb v\u1edbi l\u1ee3i nhu\u1eadn trong t\u1ed1i \u0111a 6 n\u0103m<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Khai b\u00e1o b\u1eaft bu\u1ed9c t\u00e0i s\u1ea3n v\u00e0 quy\u1ec1n trong t\u1edd khai thu\u1ebf thu nh\u1eadp h\u00e0ng n\u0103m, b\u1ea5t k\u1ec3 s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option khuy\u1ebfn ngh\u1ecb duy tr\u00ec ki\u1ec3m so\u00e1t chi ti\u1ebft t\u1ea5t c\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng, s\u1eed d\u1ee5ng b\u1ea3ng t\u00ednh ho\u1eb7c c\u00e1c \u1ee9ng d\u1ee5ng chuy\u00ean d\u1ee5ng t\u1ef1 \u0111\u1ed9ng t\u00ednh to\u00e1n c\u01a1 s\u1edf thu\u1ebf theo ph\u01b0\u01a1ng ph\u00e1p FIFO (Nh\u1eadp tr\u01b0\u1edbc, Xu\u1ea5t tr\u01b0\u1edbc).<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ngh\u0129a v\u1ee5 thu\u1ebf<\/th>\n<th>H\u1ea1n ch\u00f3t<\/th>\n<th>Quan s\u00e1t th\u1ef1c t\u1ebf<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Thu\u1ebf thu nh\u1eadp DARF tr\u00ean l\u1ee3i nhu\u1eadn r\u00f2ng<\/td>\n<td>Tr\u01b0\u1edbc ng\u00e0y l\u00e0m vi\u1ec7c cu\u1ed1i c\u00f9ng c\u1ee7a th\u00e1ng sau khi b\u00e1n<\/td>\n<td>M\u00e3: 6015 (giao d\u1ecbch trong ng\u00e0y) ho\u1eb7c 3277 (ho\u1ea1t \u0111\u1ed9ng th\u00f4ng th\u01b0\u1eddng)<\/td>\n<\/tr>\n<tr>\n<td>Tuy\u00ean b\u1ed1 thu\u1ebf thu nh\u1eadp h\u00e0ng n\u0103m<\/td>\n<td>Tr\u01b0\u1edbc ng\u00e0y 30 th\u00e1ng 4 c\u1ee7a n\u0103m sau<\/td>\n<td>B\u00e1o c\u00e1o s\u1ed1 d\u01b0 v\u00e0 c\u00e1c giao d\u1ecbch trong bi\u1ec3u m\u1eabu &#8220;T\u00e0i s\u1ea3n v\u00e0 Quy\u1ec1n&#8221; (m\u00e3 31)<\/td>\n<\/tr>\n<tr>\n<td>B\u00e1o c\u00e1o thu nh\u1eadp m\u00f4i gi\u1edbi<\/td>\n<td>C\u00f3 s\u1eb5n tr\u01b0\u1edbc ng\u00e0y 28 th\u00e1ng 2<\/td>\n<td>Ch\u1ee9a th\u00f4ng tin v\u1ec1 c\u1ed5 t\u1ee9c nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 th\u1ef1c hi\u1ec7n<\/td>\n<\/tr>\n<tr>\n<td>B\u00f9 l\u1ed7<\/td>\n<td>T\u1ed1i \u0111a 6 n\u0103m sau khi x\u1ea3y ra<\/td>\n<td>Y\u00eau c\u1ea7u ki\u1ec3m so\u00e1t h\u00e0ng th\u00e1ng, t\u00e1ch bi\u1ec7t theo lo\u1ea1i ho\u1ea1t \u0111\u1ed9ng (th\u00f4ng th\u01b0\u1eddng\/giao d\u1ecbch trong ng\u00e0y)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ngo\u00e0i c\u00e1c kh\u00eda c\u1ea1nh thu\u1ebf, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 mua c\u1ed5 phi\u1ebfu Santander t\u1ea1i Brazil n\u00ean bi\u1ebft quy\u1ec1n c\u1ee7a h\u1ecd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u1ed5 \u0111\u00f4ng, bao g\u1ed3m quy\u1ec1n truy c\u1eadp v\u00e0o th\u00f4ng tin li\u00ean quan, tham gia v\u00e0o c\u00e1c s\u1ef1 ki\u1ec7n c\u1ee7a c\u00f4ng ty v\u00e0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u0103ng k\u00fd \u01b0u ti\u00ean trong c\u00e1c \u0111\u1ee3t t\u0103ng v\u1ed1n ti\u1ec1m n\u0103ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn v\u1edbi c\u1ed5 phi\u1ebfu Santander<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean d\u1eef li\u1ec7u hi\u1ec7u su\u1ea5t t\u1eeb h\u00e0ng ng\u00e0n nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi Pocket Option, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh c\u00e1c chi\u1ebfn l\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 nh\u1ea5t cho c\u00e1c h\u1ed3 s\u01a1 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau:<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Chi\u1ebfn l\u01b0\u1ee3c<\/th>\n<th>K\u1ebft qu\u1ea3 l\u1ecbch s\u1eed<\/th>\n<th>H\u1ed3 s\u01a1 l\u00fd t\u01b0\u1edfng v\u00e0 ph\u01b0\u01a1ng ph\u00e1p<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Mua v\u00e0 gi\u1eef v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c<\/td>\n<td>L\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m trung b\u00ecnh 14.3% trong 5 n\u0103m qua<\/td>\n<td>B\u1ea3o th\u1ee7\/V\u1eeba ph\u1ea3i: Mua v\u00e0 gi\u1eef trong 5+ n\u0103m, t\u00e1i \u0111\u1ea7u t\u01b0 100% c\u1ed5 t\u1ee9c v\u00e0o c\u1ed5 phi\u1ebfu m\u1edbi<\/td>\n<\/tr>\n<tr>\n<td>T\u00edch l\u0169y \u1edf c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt<\/td>\n<td>L\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 28% so v\u1edbi gi\u00e1 th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh<\/td>\n<td>V\u1eeba ph\u1ea3i: Mua d\u1ea7n d\u1ea7n \u1edf c\u00e1c m\u1ee9c h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt v\u00e0 \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50\/200 ng\u00e0y<\/td>\n<\/tr>\n<tr>\n<td>Vi\u1ebft quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m<\/td>\n<td>T\u1ea1o thu nh\u1eadp b\u1ed5 sung 4-6% p.a. tr\u00ean v\u1ed1n \u0111\u1ea7u t\u01b0<\/td>\n<td>N\u00e2ng cao: Mua c\u1ed5 phi\u1ebfu + b\u00e1n quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u0103ng l\u1ee3i nhu\u1eadn<\/td>\n<\/tr>\n<tr>\n<td>Arbitrage gi\u1eefa c\u00e1c lo\u1ea1i c\u1ed5 phi\u1ebfu<\/td>\n<td>N\u1eafm b\u1eaft c\u00e1c bi\u1ebfn \u0111\u1ed9ng 3-5% gi\u1eefa ON\/PN\/Units<\/td>\n<td>N\u00e2ng cao: T\u1eadn d\u1ee5ng s\u1ef1 ch\u00eanh l\u1ec7ch gi\u00e1 t\u1ea1m th\u1eddi gi\u1eefa SANB3, SANB4 v\u00e0 SANB11<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u00ed d\u1ee5 th\u1ef1c t\u1ebf: M\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e3 \u0111\u1ea7u t\u01b0 R$10,000 v\u00e0o c\u1ed5 phi\u1ebfu SANB11 v\u00e0o th\u00e1ng 1 n\u0103m 2020 v\u00e0 t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ea5t c\u1ea3 c\u1ed5 t\u1ee9c s\u1ebd c\u00f3 kho\u1ea3ng R$18,470 h\u00f4m nay (l\u1ee3i nhu\u1eadn 84.7%), so v\u1edbi R$15,230 m\u00e0 kh\u00f4ng t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c (l\u1ee3i nhu\u1eadn 52.3%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option nh\u1ea5n m\u1ea1nh r\u1eb1ng, b\u1ea5t k\u1ec3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c ch\u1ecdn, \u0111a d\u1ea1ng h\u00f3a \u0111\u00fang c\u00e1ch l\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n. Ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tin t\u01b0\u1edfng m\u1ea1nh m\u1ebd v\u00e0o ti\u1ec1m n\u0103ng c\u1ee7a Santander, m\u1ee9c \u0111\u1ed9 ti\u1ebfp x\u00fac l\u00fd t\u01b0\u1edfng v\u1edbi m\u1ed9t t\u00e0i s\u1ea3n duy nh\u1ea5t kh\u00f4ng n\u00ean v\u01b0\u1ee3t qu\u00e1 10-15% c\u1ee7a t\u1ed5ng danh m\u1ee5c \u0111\u1ea7u t\u01b0 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eeba ph\u1ea3i.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>So s\u00e1nh \u0111\u1ecbnh l\u01b0\u1ee3ng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng Brazil kh\u00e1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua c\u1ed5 phi\u1ebfu Santander, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 so s\u00e1nh hi\u1ec7u su\u1ea5t, ch\u1ec9 s\u1ed1 v\u00e0 tri\u1ec3n v\u1ecdng c\u1ee7a n\u00f3 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn kh\u00e1c trong ng\u00e0nh t\u00e0i ch\u00ednh Brazil.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>T\u1ed5 ch\u1ee9c<\/th>\n<th>P\/E hi\u1ec7n t\u1ea1i<\/th>\n<th>ROE<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/th>\n<th>T\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng (y\/y)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Santander (SANB11)<\/td>\n<td>8.7<\/td>\n<td>16.4%<\/td>\n<td>4.8%<\/td>\n<td>13.2%<\/td>\n<\/tr>\n<tr>\n<td>Ita\u00fa (ITUB4)<\/td>\n<td>9.3<\/td>\n<td>18.7%<\/td>\n<td>5.2%<\/td>\n<td>9.5%<\/td>\n<\/tr>\n<tr>\n<td>Bradesco (BBDC4)<\/td>\n<td>7.8<\/td>\n<td>13.9%<\/td>\n<td>6.1%<\/td>\n<td>7.8%<\/td>\n<\/tr>\n<tr>\n<td>Banco do Brasil (BBAS3)<\/td>\n<td>5.4<\/td>\n<td>15.2%<\/td>\n<td>8.3%<\/td>\n<td>10.4%<\/td>\n<\/tr>\n<tr>\n<td>Trung b\u00ecnh ng\u00e0nh<\/td>\n<td>7.8<\/td>\n<td>16.1%<\/td>\n<td>6.1%<\/td>\n<td>10.2%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch so s\u00e1nh c\u1ee7a Pocket Option ch\u1ec9 ra r\u1eb1ng Santander n\u1ed5i b\u1eadt trong t\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng (cao h\u01a1n 28% so v\u1edbi trung b\u00ecnh ng\u00e0nh) v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng. D\u1eef li\u1ec7u ti\u1ebft l\u1ed9 r\u1eb1ng, m\u1eb7c d\u00f9 Ita\u00fa c\u00f3 ROE cao h\u01a1n v\u00e0 Banco do Brasil cung c\u1ea5p l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c cao h\u01a1n, Santander th\u1ec3 hi\u1ec7n s\u1ef1 c\u00e2n b\u1eb1ng v\u01b0\u1ee3t tr\u1ed9i gi\u1eefa t\u0103ng tr\u01b0\u1edfng, ch\u1ea5t l\u01b0\u1ee3ng t\u00e0i s\u1ea3n v\u00e0 l\u1ee3i nhu\u1eadn.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: Tri\u1ec3n v\u1ecdng c\u1ee5 th\u1ec3 cho c\u1ed5 phi\u1ebfu Santander v\u00e0o n\u0103m 2025-2026<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>N\u1eafm v\u1eefng c\u00e1ch mua c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Santander ch\u1ec9 l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t v\u1ecb tr\u00ed c\u00f3 l\u1ee3i nhu\u1eadn trong t\u00e0i s\u1ea3n n\u00e0y. Ph\u00e2n t\u00edch t\u00edch h\u1ee3p c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 \u0111\u00e3 th\u1ea3o lu\u1eadn ti\u1ebft l\u1ed9 m\u1ed9t k\u1ecbch b\u1ea3n thu\u1eadn l\u1ee3i cho trung v\u00e0 d\u00e0i h\u1ea1n, v\u1edbi t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp tr\u00ean m\u1ed7i c\u1ed5 phi\u1ebfu d\u1ef1 ki\u1ebfn l\u00e0 11.7% cho n\u0103m 2025 v\u00e0 9.8% cho n\u0103m 2026.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Santander Brazil th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c k\u1ecbch b\u1ea3n kinh t\u1ebf kh\u00f3 kh\u0103n. Trong khi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ee7a n\u00f3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 suy gi\u1ea3m ROE trung b\u00ecnh 8.2% trong cu\u1ed9c suy tho\u00e1i n\u0103m 2020, Santander ch\u1ec9 ghi nh\u1eadn s\u1ef1 gi\u1ea3m 3.7%, ch\u1ee9ng t\u1ecf s\u1ef1 b\u1ec1n b\u1ec9 l\u1edbn h\u01a1n. Chi\u1ebfn l\u01b0\u1ee3c t\u0103ng tr\u01b0\u1edfng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a n\u00f3 \u0111\u00e3 mang l\u1ea1i 2.7 tri\u1ec7u kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0o n\u0103m 2024, v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 32% so v\u1edbi m\u1ee9c trung b\u00ecnh c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option d\u1ef1 ki\u1ebfn gi\u00e1 m\u1ee5c ti\u00eau l\u00e0 R$36.70 cho SANB11 trong 12 th\u00e1ng t\u1edbi, \u0111\u1ea1i di\u1ec7n cho ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 18.3% so v\u1edbi gi\u00e1 hi\u1ec7n t\u1ea1i, ch\u01b0a t\u00ednh c\u1ed5 t\u1ee9c. Th\u00eam l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn l\u00e0 4.8%, t\u1ed5ng l\u1ee3i nhu\u1eadn d\u1ef1 ki\u1ebfn g\u1ea7n 23.1%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 gi\u00e1m s\u00e1t kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n v\u00e0o c\u1ed5 phi\u1ebfu Santander, ch\u00fang t\u00f4i khuy\u1ebfn ngh\u1ecb theo d\u00f5i h\u00e0ng qu\u00fd c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh sau: t\u0103ng tr\u01b0\u1edfng danh m\u1ee5c t\u00edn d\u1ee5ng, t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3, bi\u00ean \u0111\u1ed9 l\u00e3i su\u1ea5t r\u00f2ng v\u00e0 t\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3. Pocket Option cung c\u1ea5p c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho c\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y, cho ph\u00e9p b\u1ea1n ph\u1ea3n \u1ee9ng nhanh ch\u00f3ng v\u1edbi c\u00e1c thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ea7u t\u01b0 ngay h\u00f4m nay v\u00e0o c\u1ed5 phi\u1ebfu Santander v\u1edbi h\u01b0\u1edbng d\u1eabn chuy\u00ean bi\u1ec7t c\u1ee7a Pocket Option v\u00e0 t\u1ed1i \u0111a h\u00f3a k\u1ebft qu\u1ea3 c\u1ee7a b\u1ea1n v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n chi ti\u1ebft. \u0110\u1ed9i ng\u0169 ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i s\u1eb5n s\u00e0ng h\u1ed7 tr\u1ee3 trong m\u1ecdi b\u01b0\u1edbc c\u1ee7a qu\u00e1 tr\u00ecnh \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n, t\u1eeb vi\u1ec7c ch\u1ecdn lo\u1ea1i c\u1ed5 phi\u1ebfu t\u1ed1t nh\u1ea5t \u0111\u1ebfn c\u1ea5u tr\u00fac chi\u1ebfn l\u01b0\u1ee3c d\u00e0i h\u1ea1n c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a b\u1ea1n.<\/p>\n<\/div>\n    <div class=\"po-container po-container_width_article\">\n        <a href=\"\/en\/quick-start\/\" class=\"po-line-banner po-article-page__line-banner\">\n            <svg class=\"svg-image po-line-banner__logo\" fill=\"currentColor\" width=\"auto\" height=\"auto\"\n                 aria-hidden=\"true\">\n                <use href=\"#svg-img-logo-white\"><\/use>\n            <\/svg>\n            <span class=\"po-line-banner__btn\"><\/span>\n        <\/a>\n    <\/div>\n    \n"},"faq":[{"question":"S\u1ef1 kh\u00e1c bi\u1ec7t ch\u00ednh x\u00e1c gi\u1eefa SANB3, SANB4 v\u00e0 SANB11 l\u00e0 g\u00ec?","answer":"SANB3 l\u00e0 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp \u0111\u1ea1i h\u1ed9i, \u0111\u1ea1i di\u1ec7n cho quy\u1ec1n ki\u1ec3m so\u00e1t ch\u00ednh tr\u1ecb. SANB4 l\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i kh\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft, nh\u01b0ng c\u00f3 \u01b0u ti\u00ean nh\u1eadn c\u1ed5 t\u1ee9c cao h\u01a1n kho\u1ea3ng 10%. SANB11 l\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb bao g\u1ed3m m\u1ed9t c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng (SANB3) v\u00e0 m\u1ed9t c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (SANB4), k\u1ebft h\u1ee3p quy\u1ec1n ch\u00ednh tr\u1ecb v\u00e0 kinh t\u1ebf, ngo\u00e0i ra c\u00f2n cung c\u1ea5p t\u00ednh thanh kho\u1ea3n cao g\u1ea5p 4 l\u1ea7n tr\u00ean th\u1ecb tr\u01b0\u1eddng."},{"question":"Gi\u00e1 tr\u1ecb t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Santander l\u00e0 bao nhi\u00eau?","answer":"Kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1i thi\u1ec3u t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 c\u1ee7a m\u1ed9t c\u1ed5 phi\u1ebfu. V\u1edbi gi\u00e1 hi\u1ec7n t\u1ea1i kho\u1ea3ng R$31 cho SANB11, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u v\u1edbi s\u1ed1 ti\u1ec1n n\u00e0y. Tuy nhi\u00ean, xem x\u00e9t c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 s\u1ef1 \u0111a d\u1ea1ng h\u00f3a c\u1ea7n thi\u1ebft, Pocket Option khuy\u1ebfn ngh\u1ecb b\u1eaft \u0111\u1ea7u v\u1edbi \u00edt nh\u1ea5t R$500-1,000 \u0111\u1ec3 ph\u00e2n t\u00e1n chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng v\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t v\u1ecb th\u1ebf \u0111\u00e1ng k\u1ec3."},{"question":"C\u00e1ch nh\u1eadn c\u1ed5 t\u1ee9c t\u1eeb c\u1ed5 phi\u1ebfu Santander ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c tr\u1ea3 h\u00e0ng qu\u00fd tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n t\u1ea1i c\u00f4ng ty m\u00f4i gi\u1edbi, m\u00e0 kh\u00f4ng c\u1ea7n khai b\u00e1o ho\u1eb7c y\u00eau c\u1ea7u th\u00eam. \u0110\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c ch\u00fang, b\u1ea1n c\u1ea7n l\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 phi\u1ebfu v\u00e0o ng\u00e0y \"cum\" (th\u01b0\u1eddng l\u00e0 3 ng\u00e0y l\u00e0m vi\u1ec7c tr\u01b0\u1edbc ng\u00e0y ch\u1ed1t quy\u1ec1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng c\u00f4ng b\u1ed1). S\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ghi c\u00f3 trung b\u00ecnh 5 ng\u00e0y l\u00e0m vi\u1ec7c sau ng\u00e0y thanh to\u00e1n ch\u00ednh th\u1ee9c v\u00e0 ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf thu nh\u1eadp."},{"question":"T\u00f4i c\u00f3 th\u1ec3 mua c\u1ed5 phi\u1ebfu Santander tr\u1ef1c ti\u1ebfp th\u00f4ng qua \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng?","answer":"Kh\u00f4ng. Ngay c\u1ea3 khi b\u1ea1n l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a Santander, b\u1ea1n s\u1ebd c\u1ea7n m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n v\u1edbi m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n b\u1edfi CVM v\u00e0 B3. Th\u00fa v\u1ecb l\u00e0, ch\u00ednh Santander c\u0169ng c\u00f3 m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi (Santander Corretora), nh\u01b0ng n\u00f3 t\u00ednh ph\u00ed m\u00f4i gi\u1edbi, trong khi c\u00e1c l\u1ef1a ch\u1ecdn th\u1ecb tr\u01b0\u1eddng kh\u00e1c cung c\u1ea5p ph\u00ed b\u1eb1ng kh\u00f4ng cho c\u1ed5 phi\u1ebfu, nh\u01b0 XP, Clear, v\u00e0 Nu Invest. Pocket Option k\u1ebft n\u1ed1i v\u1edbi nhi\u1ec1u c\u00f4ng ty m\u00f4i gi\u1edbi kh\u00e1c nhau, cho ph\u00e9p ph\u00e2n t\u00edch kh\u00e1c bi\u1ec7t b\u1ea5t k\u1ec3 c\u1ed5 phi\u1ebfu c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c l\u01b0u k\u00fd \u1edf \u0111\u00e2u."},{"question":"T\u00f4i n\u00ean mua c\u1ed5 phi\u1ebfu Santander v\u00e0o th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3 n\u00e0o \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn?","answer":"D\u1eef li\u1ec7u l\u1ecbch s\u1eed do Pocket Option t\u1ed5ng h\u1ee3p cho th\u1ea5y r\u1eb1ng c\u00e1c giao d\u1ecbch mua chi\u1ebfn l\u01b0\u1ee3c sau khi c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o qu\u00fd t\u00edch c\u1ef1c, ti\u1ebfp theo l\u00e0 c\u00e1c \u0111i\u1ec1u ch\u1ec9nh k\u1ef9 thu\u1eadt, \u0111\u00e3 t\u1ea1o ra l\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 8.2% trong 12 th\u00e1ng. C\u1ee5 th\u1ec3, giai \u0111o\u1ea1n l\u00fd t\u01b0\u1edfng c\u00f3 xu h\u01b0\u1edbng x\u1ea3y ra 3-5 ng\u00e0y sau khi c\u00f4ng b\u1ed1 thu nh\u1eadp, khi th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 h\u1ea5p th\u1ee5 th\u00f4ng tin nh\u01b0ng tr\u01b0\u1edbc khi c\u00e1c qu\u1ef9 l\u1edbn ho\u00e0n t\u1ea5t v\u1ecb th\u1ebf c\u1ee7a h\u1ecd. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, vi\u1ec7c \u0111\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng \u0111\u1ec1u \u0111\u1eb7n t\u1ecf ra hi\u1ec7u qu\u1ea3 h\u01a1n so v\u1edbi vi\u1ec7c c\u1ed1 g\u1eafng \"\u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng\", v\u1edbi k\u1ebft qu\u1ea3 trung b\u00ecnh cao h\u01a1n 6.7% trong c\u00e1c giai \u0111o\u1ea1n t\u1eeb 3 n\u0103m tr\u1edf l\u00ean."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"S\u1ef1 kh\u00e1c bi\u1ec7t ch\u00ednh x\u00e1c gi\u1eefa SANB3, SANB4 v\u00e0 SANB11 l\u00e0 g\u00ec?","answer":"SANB3 l\u00e0 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp \u0111\u1ea1i h\u1ed9i, \u0111\u1ea1i di\u1ec7n cho quy\u1ec1n ki\u1ec3m so\u00e1t ch\u00ednh tr\u1ecb. SANB4 l\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i kh\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft, nh\u01b0ng c\u00f3 \u01b0u ti\u00ean nh\u1eadn c\u1ed5 t\u1ee9c cao h\u01a1n kho\u1ea3ng 10%. SANB11 l\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb bao g\u1ed3m m\u1ed9t c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng (SANB3) v\u00e0 m\u1ed9t c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (SANB4), k\u1ebft h\u1ee3p quy\u1ec1n ch\u00ednh tr\u1ecb v\u00e0 kinh t\u1ebf, ngo\u00e0i ra c\u00f2n cung c\u1ea5p t\u00ednh thanh kho\u1ea3n cao g\u1ea5p 4 l\u1ea7n tr\u00ean th\u1ecb tr\u01b0\u1eddng."},{"question":"Gi\u00e1 tr\u1ecb t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Santander l\u00e0 bao nhi\u00eau?","answer":"Kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u1ed1i thi\u1ec3u t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 c\u1ee7a m\u1ed9t c\u1ed5 phi\u1ebfu. V\u1edbi gi\u00e1 hi\u1ec7n t\u1ea1i kho\u1ea3ng R$31 cho SANB11, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u v\u1edbi s\u1ed1 ti\u1ec1n n\u00e0y. Tuy nhi\u00ean, xem x\u00e9t c\u00e1c kho\u1ea3n ph\u00ed v\u00e0 s\u1ef1 \u0111a d\u1ea1ng h\u00f3a c\u1ea7n thi\u1ebft, Pocket Option khuy\u1ebfn ngh\u1ecb b\u1eaft \u0111\u1ea7u v\u1edbi \u00edt nh\u1ea5t R$500-1,000 \u0111\u1ec3 ph\u00e2n t\u00e1n chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng v\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t v\u1ecb th\u1ebf \u0111\u00e1ng k\u1ec3."},{"question":"C\u00e1ch nh\u1eadn c\u1ed5 t\u1ee9c t\u1eeb c\u1ed5 phi\u1ebfu Santander ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c tr\u1ea3 h\u00e0ng qu\u00fd tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n t\u1ea1i c\u00f4ng ty m\u00f4i gi\u1edbi, m\u00e0 kh\u00f4ng c\u1ea7n khai b\u00e1o ho\u1eb7c y\u00eau c\u1ea7u th\u00eam. \u0110\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c ch\u00fang, b\u1ea1n c\u1ea7n l\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u1ed5 phi\u1ebfu v\u00e0o ng\u00e0y \"cum\" (th\u01b0\u1eddng l\u00e0 3 ng\u00e0y l\u00e0m vi\u1ec7c tr\u01b0\u1edbc ng\u00e0y ch\u1ed1t quy\u1ec1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng c\u00f4ng b\u1ed1). S\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ghi c\u00f3 trung b\u00ecnh 5 ng\u00e0y l\u00e0m vi\u1ec7c sau ng\u00e0y thanh to\u00e1n ch\u00ednh th\u1ee9c v\u00e0 ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf thu nh\u1eadp."},{"question":"T\u00f4i c\u00f3 th\u1ec3 mua c\u1ed5 phi\u1ebfu Santander tr\u1ef1c ti\u1ebfp th\u00f4ng qua \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng?","answer":"Kh\u00f4ng. Ngay c\u1ea3 khi b\u1ea1n l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a Santander, b\u1ea1n s\u1ebd c\u1ea7n m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n v\u1edbi m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi ch\u1ee9ng kho\u00e1n \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n b\u1edfi CVM v\u00e0 B3. Th\u00fa v\u1ecb l\u00e0, ch\u00ednh Santander c\u0169ng c\u00f3 m\u1ed9t c\u00f4ng ty m\u00f4i gi\u1edbi (Santander Corretora), nh\u01b0ng n\u00f3 t\u00ednh ph\u00ed m\u00f4i gi\u1edbi, trong khi c\u00e1c l\u1ef1a ch\u1ecdn th\u1ecb tr\u01b0\u1eddng kh\u00e1c cung c\u1ea5p ph\u00ed b\u1eb1ng kh\u00f4ng cho c\u1ed5 phi\u1ebfu, nh\u01b0 XP, Clear, v\u00e0 Nu Invest. Pocket Option k\u1ebft n\u1ed1i v\u1edbi nhi\u1ec1u c\u00f4ng ty m\u00f4i gi\u1edbi kh\u00e1c nhau, cho ph\u00e9p ph\u00e2n t\u00edch kh\u00e1c bi\u1ec7t b\u1ea5t k\u1ec3 c\u1ed5 phi\u1ebfu c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c l\u01b0u k\u00fd \u1edf \u0111\u00e2u."},{"question":"T\u00f4i n\u00ean mua c\u1ed5 phi\u1ebfu Santander v\u00e0o th\u1eddi \u0111i\u1ec3m c\u1ee5 th\u1ec3 n\u00e0o \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn?","answer":"D\u1eef li\u1ec7u l\u1ecbch s\u1eed do Pocket Option t\u1ed5ng h\u1ee3p cho th\u1ea5y r\u1eb1ng c\u00e1c giao d\u1ecbch mua chi\u1ebfn l\u01b0\u1ee3c sau khi c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o qu\u00fd t\u00edch c\u1ef1c, ti\u1ebfp theo l\u00e0 c\u00e1c \u0111i\u1ec1u ch\u1ec9nh k\u1ef9 thu\u1eadt, \u0111\u00e3 t\u1ea1o ra l\u1ee3i nhu\u1eadn trung b\u00ecnh cao h\u01a1n 8.2% trong 12 th\u00e1ng. C\u1ee5 th\u1ec3, giai \u0111o\u1ea1n l\u00fd t\u01b0\u1edfng c\u00f3 xu h\u01b0\u1edbng x\u1ea3y ra 3-5 ng\u00e0y sau khi c\u00f4ng b\u1ed1 thu nh\u1eadp, khi th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 h\u1ea5p th\u1ee5 th\u00f4ng tin nh\u01b0ng tr\u01b0\u1edbc khi c\u00e1c qu\u1ef9 l\u1edbn ho\u00e0n t\u1ea5t v\u1ecb th\u1ebf c\u1ee7a h\u1ecd. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, vi\u1ec7c \u0111\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng \u0111\u1ec1u \u0111\u1eb7n t\u1ecf ra hi\u1ec7u qu\u1ea3 h\u01a1n so v\u1edbi vi\u1ec7c c\u1ed1 g\u1eafng \"\u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng\", v\u1edbi k\u1ebft qu\u1ea3 trung b\u00ecnh cao h\u01a1n 6.7% trong c\u00e1c giai \u0111o\u1ea1n t\u1eeb 3 n\u0103m tr\u1edf l\u00ean."}]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u00e1ch mua c\u1ed5 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