{"id":319453,"date":"2025-07-22T15:07:44","date_gmt":"2025-07-22T15:07:44","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/itau-stocks-dividends-2\/"},"modified":"2025-07-22T15:07:44","modified_gmt":"2025-07-22T15:07:44","slug":"itau-stocks-dividends","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/itau-stocks-dividends\/","title":{"rendered":"C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n \u0111\u1ec3 nh\u00e2n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng c\u1ee7a b\u1ea1n t\u1ea1i Brazil"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":301665,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[28,39,40,45,34],"class_list":["post-319453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-investment","tag-platform","tag-signal","tag-stock","tag-withdraw"],"acf":{"h1":"Pocket Option: C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau - H\u01b0\u1edbng d\u1eabn chi ti\u1ebft 2025","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option: C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau - H\u01b0\u1edbng d\u1eabn chi ti\u1ebft 2025"},"description":"C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau: Kh\u00e1m ph\u00e1 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 t\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t Brazil v\u1edbi ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn v\u00e0 c\u01a1 h\u1ed9i hi\u1ec7n t\u1ea1i. Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau: Kh\u00e1m ph\u00e1 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 t\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t Brazil v\u1edbi ph\u00e2n t\u00edch l\u1ee3i nhu\u1eadn v\u00e0 c\u01a1 h\u1ed9i hi\u1ec7n t\u1ea1i. Pocket Option."},"intro":"\u0110\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c c\u1ee7a Itau \u0111\u1ea1i di\u1ec7n cho m\u1ed9t trong nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c sinh l\u1eddi nh\u1ea5t cho ng\u01b0\u1eddi Brazil t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh. Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i ph\u00e2n t\u00edch ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t Brazil, ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh l\u1ecbch s\u1eed, k\u1ef9 thu\u1eadt \u0111\u1ea7u t\u01b0 ti\u00ean ti\u1ebfn v\u00e0 d\u1ef1 b\u00e1o \u0111\u1ed9c quy\u1ec1n cho n\u0103m 2025-2026.","intro_source":{"label":"Intro","type":"text","formatted_value":"\u0110\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c c\u1ee7a Itau \u0111\u1ea1i di\u1ec7n cho m\u1ed9t trong nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c sinh l\u1eddi nh\u1ea5t cho ng\u01b0\u1eddi Brazil t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh. Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i ph\u00e2n t\u00edch ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t Brazil, ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh l\u1ecbch s\u1eed, k\u1ef9 thu\u1eadt \u0111\u1ea7u t\u01b0 ti\u00ean ti\u1ebfn v\u00e0 d\u1ef1 b\u00e1o \u0111\u1ed9c quy\u1ec1n cho n\u0103m 2025-2026."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u1ed5 t\u1ee9c Ita\u00fa n\u0103m 2025: To\u00e0n c\u1ea3nh hi\u1ec7n t\u1ea1i v\u00e0 c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Brazil \u0111\u00e3 tr\u1ea3i qua nh\u1eefng bi\u1ebfn \u0111\u1ed5i s\u00e2u s\u1eafc t\u1eeb n\u0103m 2023, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c b\u1edfi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Ita\u00fa Unibanco n\u1ed5i b\u1eadt v\u1edbi t\u1ef7 su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% trong 24 th\u00e1ng qua, \u0111\u1ee9ng trong s\u1ed1 ba nh\u00e0 tr\u1ea3 c\u1ed5 t\u1ee9c ch\u00ednh tr\u00ean B3. Hi\u1ec3u r\u00f5 c\u00e1c s\u1eafc th\u00e1i c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau \u0111\u00e3 tr\u1edf n\u00ean c\u1ea7n thi\u1ebft cho nh\u1eefng ai t\u00ecm ki\u1ebfm x\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n v\u1edbi thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u1ea1i Brazil.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u1edbi l\u1ee3i nhu\u1eadn r\u00f2ng 33,5 t\u1ef7 R$ v\u00e0o n\u0103m 2023 v\u00e0 28,2 t\u1ef7 R$ trong ba qu\u00fd \u0111\u1ea7u n\u0103m 2024, Ita\u00fa duy tr\u00ec ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i ngay c\u1ea3 trong nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n nh\u01b0 \u0111\u1ea1i d\u1ecbch 2020-2021, khi nhi\u1ec1u c\u00f4ng ty t\u1ea1m ng\u1eebng thanh to\u00e1n. S\u1ef1 \u1ed5n \u0111\u1ecbnh n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t c\u01a1 s\u1edf nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eefng ch\u1eafc, nh\u1eefng ng\u01b0\u1eddi \u01b0u ti\u00ean thu nh\u1eadp \u0111\u1ecbnh k\u1ef3 h\u01a1n l\u00e0 \u0111\u1ea7u c\u01a1.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c giao d\u1ecbch d\u01b0\u1edbi m\u00e3 ITUB3 (th\u01b0\u1eddng) v\u00e0 ITUB4 (\u01b0u \u0111\u00e3i) th\u1ec3 hi\u1ec7n c\u00e1c h\u00e0nh vi kh\u00e1c bi\u1ec7t li\u00ean quan \u0111\u1ebfn c\u1ed5 t\u1ee9c. ITUB4, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y 587 tri\u1ec7u R$, cung c\u1ea5p t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i v\u00e0 l\u1ee3i su\u1ea5t cao h\u01a1n 0,3%, tr\u1edf th\u00e0nh s\u1ef1 l\u1ef1a ch\u1ecdn t\u1ef1 nhi\u00ean cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng Pocket Option, s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 thanh kho\u1ea3n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u00e0o v\u00e0 ra trong nh\u1eefng th\u1eddi \u0111i\u1ec3m bi\u1ebfn \u0111\u1ed9ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ti\u1ebfn h\u00f3a l\u1ecbch s\u1eed: C\u00e1ch c\u1ed5 t\u1ee9c Ita\u00fa v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t Brazil<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ph\u00e2n t\u00edch h\u00e0nh tr\u00ecnh c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau trong n\u0103m n\u0103m qua ti\u1ebft l\u1ed9 m\u1ed9t m\u00f4 h\u00ecnh \u0111\u1eb7c bi\u1ec7t: t\u0103ng tr\u01b0\u1edfng li\u00ean t\u1ee5c v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t ch\u00ednh th\u1ee9c. Ng\u00e2n h\u00e0ng duy tr\u00ec m\u1ee9c ph\u00e2n ph\u1ed1i trung b\u00ecnh t\u1eeb 32% \u0111\u1ebfn 37% l\u1ee3i nhu\u1eadn r\u00f2ng, v\u01b0\u1ee3t qua c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp nh\u01b0 Bradesco (29%) v\u00e0 Santander Brasil (31%).<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>N\u0103m<\/th><th>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/th><th>C\u1ed5 t\u1ee9c + JCP (t\u1ef7 R$)<\/th><th>T\u1ef7 l\u1ec7 chi tr\u1ea3<\/th><th>Gi\u00e1 tr\u1ecb m\u1ed7i c\u1ed5 phi\u1ebfu (R$)<\/th><\/tr><\/thead><tbody><tr><td>2020<\/td><td>18.5<\/td><td>6.3<\/td><td>34%<\/td><td>0.63<\/td><\/tr><tr><td>2021<\/td><td>26.8<\/td><td>8.7<\/td><td>32%<\/td><td>0.87<\/td><\/tr><tr><td>2022<\/td><td>30.8<\/td><td>10.2<\/td><td>33%<\/td><td>1.02<\/td><\/tr><tr><td>2023<\/td><td>33.5<\/td><td>12.1<\/td><td>36%<\/td><td>1.21<\/td><\/tr><tr><td>2024 (t\u1ea1m th\u1eddi)<\/td><td>28.2<\/td><td>10.5<\/td><td>37%<\/td><td>1.05<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110i\u1ec3m kh\u00e1c bi\u1ec7t c\u1ee7a Ita\u00fa n\u1eb1m \u1edf chi\u1ebfn l\u01b0\u1ee3c th\u00f9 lao lai. Ng\u00e2n h\u00e0ng ph\u00e2n ph\u1ed1i kho\u1ea3ng 60% l\u1ee3i nhu\u1eadn d\u01b0\u1edbi d\u1ea1ng L\u00e3i tr\u00ean V\u1ed1n (JCP) v\u00e0 40% d\u01b0\u1edbi d\u1ea1ng c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng. S\u1ef1 k\u1ebft h\u1ee3p n\u00e0y t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch thu\u1ebf cho c\u1ea3 t\u1ed5 ch\u1ee9c (kh\u1ea5u tr\u1eeb JCP kh\u1ecfi c\u01a1 s\u1edf t\u00ednh thu\u1ebf Thu nh\u1eadp) v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y l\u00e0m cho c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Ita\u00fa \u0111\u1eb7c bi\u1ec7t c\u00f3 l\u1ee3i so v\u1edbi ch\u1ee9ng kho\u00e1n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh ch\u1ecbu thu\u1ebf l\u00ean \u0111\u1ebfn 22,5%.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>T\u1ea1i sao Ita\u00fa v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c ng\u00e2n h\u00e0ng Brazil kh\u00e1c trong ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil, Ita\u00fa c\u00f3 nh\u1eefng l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3 trong ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a m\u00ecnh:<\/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'>Duy tr\u00ec thanh to\u00e1n ngay c\u1ea3 trong kh\u1ee7ng ho\u1ea3ng (duy tr\u00ec ph\u00e2n ph\u1ed1i n\u0103m 2020 khi Bradesco gi\u1ea3m 30%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ecbch thanh to\u00e1n minh b\u1ea1ch \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o \u0111\u1ea7u m\u1ed7i n\u0103m t\u00e0i ch\u00ednh<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng d\u1ea7n t\u1ef7 l\u1ec7 chi tr\u1ea3 t\u1eeb 30% n\u0103m 2019 l\u00ean 37% n\u0103m 2024<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n b\u1eb1ng gi\u1eefa ph\u00e2n ph\u1ed1i ngay l\u1eadp t\u1ee9c (65%) v\u00e0 d\u1ef1 tr\u1eef cho c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai (35%)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1eed d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c JCP trong c\u00e1c th\u00e1ng c\u1ee5 th\u1ec3 \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a thu\u1ebf<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng kh\u00e1c bi\u1ec7t n\u00e0y \u0111\u00e3 l\u00e0m cho c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau tr\u1edf n\u00ean h\u1ea5p d\u1eabn \u0111\u1ed1i v\u1edbi c\u00e1c qu\u1ef9 qu\u1ed1c t\u1ebf, nh\u1eefng qu\u1ef9 \u0111\u00e3 t\u0103ng t\u1ef7 l\u1ec7 tham gia t\u1eeb 42% l\u00ean 48% t\u1eeb n\u0103m 2022 \u0111\u1ebfn 2024. C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Pocket Option \u0111\u00e3 ghi nh\u1eadn s\u1ef1 gia t\u0103ng 32% trong c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn ITUB4 trong n\u0103m qua, b\u00e1o hi\u1ec7u s\u1ef1 quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Ita\u00fa: Gi\u1ea3i m\u00e3 l\u1ecbch thanh to\u00e1n<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1eeb n\u0103m 2022, Ita\u00fa \u0111\u00e3 tri\u1ec3n khai m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n th\u01b0\u1eddng xuy\u00ean h\u01a1n, g\u1ea7n nh\u01b0 l\u00e0 ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng. C\u00e1ch ti\u1ebfp c\u1eadn ti\u00ean phong n\u00e0y trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn c\u1ee7a Brazil ph\u1ee5c v\u1ee5 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean d\u00f2ng ti\u1ec1n d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c cho c\u00e1c chi ph\u00ed \u0111\u1ecbnh k\u1ef3 ho\u1eb7c t\u00e1i \u0111\u1ea7u t\u01b0 c\u00f3 h\u1ec7 th\u1ed1ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>L\u1ecbch thanh to\u00e1n tu\u00e2n theo m\u00f4 h\u00ecnh h\u00e0ng qu\u00fd ch\u00ednh th\u1ee9c, nh\u01b0ng v\u1edbi c\u00e1c d\u1ef1 \u0111o\u00e1n chi\u1ebfn l\u01b0\u1ee3c t\u1ea1o ra d\u00f2ng ch\u1ea3y g\u1ea7n nh\u01b0 h\u00e0ng th\u00e1ng. V\u00ed d\u1ee5, v\u00e0o n\u0103m 2024, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n 9 kho\u1ea3n thanh to\u00e1n kh\u00e1c nhau, k\u1ebft h\u1ee3p c\u1ed5 t\u1ee9c th\u01b0\u1eddng xuy\u00ean v\u1edbi JCP v\u00e0 c\u1ed5 t\u1ee9c \u0111\u1eb7c bi\u1ec7t trong c\u00e1c th\u00e1ng xen k\u1ebd.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Lo\u1ea1i thanh to\u00e1n<\/th><th>T\u1ea7n su\u1ea5t \u0111i\u1ec3n h\u00ecnh<\/th><th>Thu\u1ebf<\/th><th>Gi\u00e1 tr\u1ecb trung b\u00ecnh (% l\u1ee3i nhu\u1eadn)<\/th><\/tr><\/thead><tbody><tr><td>C\u1ed5 t\u1ee9c<\/td><td>H\u00e0ng qu\u00fd<\/td><td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td><td>15-18%<\/td><\/tr><tr><td>JCP<\/td><td>H\u00e0ng th\u00e1ng\/Hai th\u00e1ng<\/td><td>Thu\u1ebf kh\u1ea5u tr\u1eeb 15%<\/td><td>18-20%<\/td><\/tr><tr><td>C\u1ed5 t\u1ee9c \u0111\u1eb7c bi\u1ec7t<\/td><td>N\u1eeda n\u0103m (Th\u00e1ng 6\/Th\u00e1ng 12)<\/td><td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td><td>2-5%<\/td><\/tr><\/tbody><\/table><\/div><\/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 Pocket Option, ki\u1ebfn th\u1ee9c n\u00e0y cho ph\u00e9p l\u1eadp tr\u00ecnh c\u00e1c giao d\u1ecbch mua chi\u1ebfn l\u01b0\u1ee3c tr\u01b0\u1edbc c\u00e1c ng\u00e0y c\u1eaft gi\u1ea3m. N\u1ec1n t\u1ea3ng cung c\u1ea5p c\u00e1c c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho ba ng\u00e0y quan tr\u1ecdng c\u1ee7a chu k\u1ef3 c\u1ed5 t\u1ee9c, t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn m\u00e0 kh\u00f4ng c\u1ea7n gi\u00e1m s\u00e1t li\u00ean t\u1ee5c.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>L\u1ecbch chi\u1ebfn l\u01b0\u1ee3c: Ng\u00e0y quan tr\u1ecdng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a c\u1ed5 t\u1ee9c Ita\u00fa<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>L\u1ecbch c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau tu\u00e2n theo m\u1ed9t m\u00f4 h\u00ecnh t\u00ednh to\u00e1n m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 kinh nghi\u1ec7m khai th\u00e1c m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng. Ba ng\u00e0y quy\u1ebft \u0111\u1ecbnh s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c:<\/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'>Ng\u00e0y c\u00f4ng b\u1ed1: th\u01b0\u1eddng l\u00e0 5-7 ng\u00e0y l\u00e0m vi\u1ec7c sau khi c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 qu\u00fd, khi h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u00ea duy\u1ec7t gi\u00e1 tr\u1ecb v\u00e0 ng\u00e0y<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y cum: ng\u00e0y cu\u1ed1i c\u00f9ng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu c\u00f3 quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c \u0111\u00e3 c\u00f4ng b\u1ed1 (th\u01b0\u1eddng l\u00e0 5 ng\u00e0y l\u00e0m vi\u1ec7c tr\u01b0\u1edbc khi thanh to\u00e1n)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y ex: ng\u00e0y \u0111\u1ea7u ti\u00ean m\u00e0 c\u1ed5 phi\u1ebfu giao d\u1ecbch kh\u00f4ng c\u00f3 quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c \u0111\u00e3 tuy\u00ean b\u1ed1 (th\u01b0\u1eddng c\u00f3 s\u1ef1 gi\u1ea3m gi\u00e1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 tr\u1ecb c\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c quan s\u00e1t)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y thanh to\u00e1n: t\u00edn d\u1ee5ng th\u1ef1c t\u1ebf v\u00e0o t\u00e0i kho\u1ea3n, x\u1ea3y ra trung b\u00ecnh 3 ng\u00e0y l\u00e0m vi\u1ec7c sau ng\u00e0y ex<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1ed9t sai l\u1ea7m ph\u1ed5 bi\u1ebfn trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi m\u1edbi l\u00e0 mua c\u1ed5 phi\u1ebfu m\u1ed9t ng\u00e0y sau ng\u00e0y cum, m\u1ea5t quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c s\u1eafp t\u1edbi v\u00e0 mua trong m\u1ed9t \u0111\u1ee3t gi\u1ea3m gi\u00e1 c\u00f3 th\u1ec3 x\u1ea3y ra v\u00e0o ng\u00e0y ex. Pocket Option \u0111\u00e3 tri\u1ec3n khai v\u00e0o n\u0103m 2023 m\u1ed9t h\u1ec7 th\u1ed1ng th\u00f4ng b\u00e1o t\u1ef1 \u0111\u1ed9ng c\u1ea3nh b\u00e1o c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1ec1 s\u1ef1 ti\u1ebfp c\u1eadn c\u1ee7a nh\u1eefng ng\u00e0y quan tr\u1ecdng n\u00e0y, gi\u1ea3m thi\u1ec3u sai l\u1ea7m v\u1ec1 th\u1eddi gian.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>X\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u1ec3 d\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c Ita\u00fa trong t\u01b0\u01a1ng lai<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai c\u1ee7a c\u1ed5 phi\u1ebfu Itau ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 c\u00e1c \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. C\u00e1c ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cho th\u1ea5y m\u1ed1i t\u01b0\u01a1ng quan 0,73 gi\u1eefa bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t Selic v\u00e0 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u1ea3 n\u0103ng ph\u00e2n ph\u1ed1i c\u1ee7a n\u00f3.<\/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<\/th><th>\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 t\u1ee9c<\/th><th>Xu h\u01b0\u1edbng 2025-2026<\/th><th>Hi\u1ec7u \u1ee9ng d\u1ef1 ki\u1ebfn<\/th><\/tr><\/thead><tbody><tr><td>L\u00e3i su\u1ea5t Selic<\/td><td>Cao (+0.73)<\/td><td>\u1ed4n \u0111\u1ecbnh \u1edf m\u1ee9c 9-10%<\/td><td>Trung l\u1eadp \u0111\u1ebfn t\u00edch c\u1ef1c<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3<\/td><td>Cao (-0.68)<\/td><td>Gi\u1ea3m xu\u1ed1ng 3.2-3.5%<\/td><td>T\u00edch c\u1ef1c<\/td><\/tr><tr><td>C\u1ea1nh tranh k\u1ef9 thu\u1eadt s\u1ed1<\/td><td>Trung b\u00ecnh (-0.41)<\/td><td>T\u0103ng c\u01b0\u1eddng<\/td><td>H\u01a1i ti\u00eau c\u1ef1c<\/td><\/tr><tr><td>Quy \u0111\u1ecbnh (Basel IV)<\/td><td>Trung b\u00ecnh (-0.37)<\/td><td>Tri\u1ec3n khai d\u1ea7n d\u1ea7n<\/td><td>T\u1ea1m th\u1eddi ti\u00eau c\u1ef1c<\/td><\/tr><tr><td>GDP Brazil<\/td><td>Cao (+0.59)<\/td><td>T\u0103ng tr\u01b0\u1edfng 2.2-2.8%<\/td><td>T\u00edch c\u1ef1c<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t \u1edf Brazil \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn Ita\u00fa kh\u00f4ng \u0111\u1ed1i x\u1ee9ng. L\u00e3i su\u1ea5t cao (tr\u00ean 8%) c\u00f3 l\u1ee3i cho bi\u00ean t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng kho\u1ea3ng 0,2% cho m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m c\u1ee7a Selic. Tuy nhi\u00ean, s\u1ef1 c\u1ea1nh tranh t\u1eeb c\u00e1c fintech nh\u01b0 Nubank v\u00e0 Inter \u0111\u00e3 g\u00e2y \u00e1p l\u1ef1c l\u00ean bi\u00ean ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, gi\u1ea3m t\u1eeb 9,8% n\u0103m 2019 xu\u1ed1ng 8,1% n\u0103m 2024.<\/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 c\u1ee7a Pocket Option \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ed9t ch\u1ec9 s\u1ed1 \u0111\u1ed9c quy\u1ec1n k\u1ebft h\u1ee3p c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec3 d\u1ef1 b\u00e1o bi\u1ebfn \u0111\u1ed9ng c\u1ed5 t\u1ee9c v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c 87% trong 12 qu\u00fd qua, cung c\u1ea5p l\u1ee3i th\u1ebf th\u00f4ng tin \u0111\u00e1ng k\u1ec3 cho ng\u01b0\u1eddi d\u00f9ng n\u1ec1n t\u1ea3ng.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>N\u0103m chi\u1ebfn l\u01b0\u1ee3c n\u00e2ng cao \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn v\u1edbi c\u1ed5 phi\u1ebfu Ita\u00fa<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ngo\u00e0i vi\u1ec7c mua v\u00e0 gi\u1eef \u0111\u01a1n gi\u1ea3n, c\u00f3 nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn tinh vi n\u00e2ng cao l\u1ee3i nhu\u1eadn t\u1eeb c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau. Nh\u1eefng k\u1ef9 thu\u1eadt n\u00e0y \u0111\u1eb7c bi\u1ec7t c\u00f3 li\u00ean quan trong b\u1ed1i c\u1ea3nh Brazil, n\u01a1i m\u00e0 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng t\u1ea1o ra c\u00e1c c\u1eeda s\u1ed5 c\u01a1 h\u1ed9i th\u01b0\u1eddng xuy\u00ean.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>T\u00e1i \u0111\u1ea7u t\u01b0 c\u00f3 l\u1eadp tr\u00ecnh: S\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p \u00e1p d\u1ee5ng cho c\u1ed5 t\u1ee9c<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng bi\u1ebfn c\u1ed5 t\u1ee9c khi\u00eam t\u1ed1n th\u00e0nh v\u1ed1n \u0111\u00e1ng k\u1ec3 th\u00f4ng qua s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p. V\u1edbi t\u1ef7 su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% v\u00e0 m\u1ee9c t\u0103ng trung b\u00ecnh h\u00e0ng n\u0103m 12,3% (x\u00e9t trong 5 n\u0103m qua), hi\u1ec7u \u1ee9ng c\u1ee7a t\u00e1i \u0111\u1ea7u t\u01b0 l\u00e0 theo c\u1ea5p s\u1ed1 nh\u00e2n.<\/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>\u0110\u1ea7u t\u01b0 ban \u0111\u1ea7u (R$)<\/th><th>\u0110\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng (R$)<\/th><th>Gi\u00e1 tr\u1ecb sau 10 n\u0103m kh\u00f4ng t\u00e1i \u0111\u1ea7u t\u01b0 (R$)<\/th><th>Gi\u00e1 tr\u1ecb sau 10 n\u0103m v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 to\u00e0n b\u1ed9 (R$)<\/th><\/tr><\/thead><tbody><tr><td>B\u1ea3o th\u1ee7<\/td><td>10,000<\/td><td>300<\/td><td>56,000 + 21,000 trong c\u1ed5 t\u1ee9c<\/td><td>93,700<\/td><\/tr><tr><td>Trung b\u00ecnh<\/td><td>10,000<\/td><td>500<\/td><td>70,000 + 24,600 trong c\u1ed5 t\u1ee9c<\/td><td>118,500<\/td><\/tr><tr><td>T\u1ea5n c\u00f4ng<\/td><td>10,000<\/td><td>1,000<\/td><td>130,000 + 32,800 trong c\u1ed5 t\u1ee9c<\/td><td>198,200<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option \u0111\u00e3 tri\u1ec3n khai v\u00e0o n\u0103m 2024 m\u1ed9t ch\u1ee9c n\u0103ng t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng lo\u1ea1i b\u1ecf chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 t\u00e2m l\u00fd c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c n\u00e0y. H\u1ec7 th\u1ed1ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch mua c\u00f3 l\u1eadp tr\u00ecnh trong ba ng\u00e0y sau khi nh\u1eadn c\u1ed5 t\u1ee9c, t\u1eadn d\u1ee5ng t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i c\u1ee7a ITUB4 m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 can thi\u1ec7p th\u1ee7 c\u00f4ng t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>B\u1ed5 sung cho t\u00e1i \u0111\u1ea7u t\u01b0, chi\u1ebfn l\u01b0\u1ee3c trung b\u00ecnh gi\u00e1 gi\u1ea3m t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 t\u0103ng v\u1ecb th\u1ebf v\u1edbi chi ph\u00ed trung b\u00ecnh gi\u1ea3m. D\u1eef li\u1ec7u l\u1ecbch s\u1eed cho th\u1ea5y Ita\u00fa c\u00f3 c\u00e1c \u0111i\u1ec1u ch\u1ec9nh k\u1ef9 thu\u1eadt t\u1eeb 8-12% \u00edt nh\u1ea5t hai l\u1ea7n m\u1ed9t n\u0103m, t\u1ea1o ra c\u01a1 h\u1ed9i h\u1ec7 th\u1ed1ng cho c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y.<\/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'>\u0110\u1ea7u t\u01b0 h\u00e0ng th\u00e1ng c\u00f3 l\u1eadp tr\u00ecnh b\u1ea5t k\u1ec3 gi\u00e1 (trung b\u00ecnh gi\u00e1 \u0111\u00f4 la) gi\u1ea3m t\u00e1c \u0111\u1ed9ng c\u1ee7a s\u1ef1 bi\u1ebfn \u0111\u1ed9ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u00f3ng g\u00f3p \u0111\u1eb7c bi\u1ec7t trong c\u00e1c \u0111\u1ee3t gi\u1ea3m gi\u00e1 v\u01b0\u1ee3t qu\u00e1 10% t\u0103ng c\u01b0\u1eddng l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Duy tr\u00ec d\u1ef1 tr\u1eef chi\u1ebfn thu\u1eadt t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 20-25% v\u1ecb th\u1ebf \u0111\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh nghi\u00eam tr\u1ecdng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n b\u1eb1ng danh m\u1ee5c h\u00e0ng qu\u00fd \u0111\u1ec3 duy tr\u00ec ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c trong c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m tr\u00ean c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau, t\u1ea1o ra c\u00e1c kho\u1ea3n ph\u00ed b\u1ed5 sung t\u1eeb 0,5-0,8% m\u1ed7i th\u00e1ng trong khi duy tr\u00ec ti\u1ebfp x\u00fac v\u1edbi c\u1ed5 t\u1ee9c. K\u1ef9 thu\u1eadt n\u00e0y \u0111\u00f2i h\u1ecfi ki\u1ebfn th\u1ee9c c\u1ee5 th\u1ec3 v\u00e0 ph\u00f9 h\u1ee3p cho c\u00e1c danh m\u1ee5c tr\u00ean 50,000 R$.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>T\u1ed1i \u01b0u h\u00f3a thu\u1ebf: T\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn r\u00f2ng t\u1eeb c\u1ed5 t\u1ee9c Ita\u00fa<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>L\u1eadp k\u1ebf ho\u1ea1ch thu\u1ebf \u0111\u1ea1i di\u1ec7n cho m\u1ed9t l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau. C\u1ea5u tr\u00fac thu\u1ebf c\u1ee7a Brazil cung c\u1ea5p c\u00e1c c\u01a1 h\u1ed9i t\u1ed1i \u01b0u h\u00f3a h\u1ee3p ph\u00e1p c\u00f3 th\u1ec3 t\u0103ng l\u1ee3i su\u1ea5t r\u00f2ng l\u00ean \u0111\u1ebfn 27%.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp tr\u00ean c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng t\u01b0\u01a1ng ph\u1ea3n v\u1edbi vi\u1ec7c \u0111\u00e1nh thu\u1ebf c\u00e1c ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c: cho thu\u00ea (27,5%), CDBs (15-22,5%), v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (20%). S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y l\u00e0m cho c\u1ed5 phi\u1ebfu \u0111\u1eb7c bi\u1ec7t h\u1ea5p d\u1eabn trong c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a thu\u1ebf.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Lo\u1ea1i thu nh\u1eadp<\/th><th>Thu\u1ebf<\/th><th>Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a<\/th><th>L\u1ee3i \u00edch ti\u1ec1m n\u0103ng<\/th><\/tr><\/thead><tbody><tr><td>C\u1ed5 t\u1ee9c<\/td><td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td><td>T\u1ed1i \u0111a h\u00f3a ph\u00e2n b\u1ed5 trong t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n<\/td><td>27.5% so v\u1edbi thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh<\/td><\/tr><tr><td>JCP<\/td><td>Thu\u1ebf kh\u1ea5u tr\u1eeb 15%<\/td><td>B\u00f9 tr\u1eeb thu\u1ebf kh\u1ea5u tr\u1eeb v\u1edbi l\u1ed7 trong thu nh\u1eadp bi\u1ebfn \u0111\u1ed9ng<\/td><td>L\u00ean \u0111\u1ebfn 15% gi\u00e1 tr\u1ecb kh\u1ea5u tr\u1eeb<\/td><\/tr><tr><td>L\u1ee3i nhu\u1eadn v\u1ed1n<\/td><td>15% \u0111\u1ebfn 22.5% t\u00f9y theo gi\u00e1 tr\u1ecb<\/td><td>B\u00e1n h\u00e0ng th\u00e1ng c\u00f3 l\u1eadp tr\u00ecnh gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 20,000 R$<\/td><td>Mi\u1ec5n thu\u1ebf ho\u00e0n to\u00e0n (giao d\u1ecbch l\u00ean \u0111\u1ebfn 20,000 R$\/th\u00e1ng)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u1ea3i c\u00e1ch thu\u1ebf \u1edf Brazil \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t. \u0110\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf c\u1ed5 t\u1ee9c \u1edf m\u1ee9c 15% \u0111\u00e3 ti\u1ebfn tri\u1ec3n trong Qu\u1ed1c h\u1ed9i t\u1eeb n\u0103m 2023, v\u1edbi kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n v\u00e0o n\u0103m 2026. C\u00e1c c\u1ed1 v\u1ea5n c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb t\u0103ng v\u1ecb th\u1ebf tr\u01b0\u1edbc b\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i (duy tr\u00ec c\u00e1c quy t\u1eafc tr\u01b0\u1edbc \u0111\u00f3) cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00e3 thi\u1ebft l\u1eadp.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u00e0i s\u1ea3n v\u01b0\u1ee3t qu\u00e1 300,000 R$, c\u00e1c c\u1ea5u tr\u00fac nh\u01b0 c\u00f4ng ty c\u1ed5 ph\u1ea7n c\u00f3 th\u1ec3 t\u1ed1i \u01b0u h\u00f3a thu\u1ebf tr\u00ean c\u1ed5 t\u1ee9c v\u00e0 l\u1ee3i nhu\u1eadn v\u1ed1n. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y cho ph\u00e9p b\u00f9 tr\u1eeb l\u1ed7, ho\u00e3n thu\u1ebf, v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch k\u1ebf th\u1eeba t\u00edch h\u1ee3p, v\u1edbi ti\u1ec1m n\u0103ng ti\u1ebft ki\u1ec7m thu\u1ebf t\u1eeb 12-18% m\u1ed7i n\u0103m so v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>D\u1ef1 b\u00e1o 2025-2026: T\u01b0\u01a1ng lai c\u1ee7a c\u1ed5 t\u1ee9c Ita\u00fa sau chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>T\u1ea7m nh\u00ecn cho c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau tr\u00ecnh b\u00e0y nh\u1eefng tri\u1ec3n v\u1ecdng h\u1ee9a h\u1eb9n, \u0111\u01b0\u1ee3c duy tr\u00ec b\u1edfi nh\u1eefng thay \u0111\u1ed5i c\u1ea5u tr\u00fac trong m\u00f4 h\u00ecnh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. Vi\u1ec7c k\u1ebft th\u00fac chu k\u1ef3 \u0111\u1ea7u t\u01b0 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 (37 t\u1ef7 R$ t\u1eeb 2019-2024) s\u1ebd gi\u1ea3i ph\u00f3ng v\u1ed1n cho ph\u00e2n ph\u1ed1i m\u1edf r\u1ed9ng trong nh\u1eefng n\u0103m t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c xu h\u01b0\u1edbng quy\u1ebft \u0111\u1ecbnh cho c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai c\u1ee7a Ita\u00fa 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'>T\u0103ng t\u1ed1c chi\u1ebfn l\u01b0\u1ee3c \u0111a k\u00eanh v\u1edbi gi\u1ea3m 32% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd v\u00e0o n\u0103m 2027<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ee3p nh\u1ea5t khu v\u1ef1c th\u00f4ng qua c\u00e1c v\u1ee5 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c (XP n\u0103m 2022, Corpbanca n\u0103m 2023)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u1edf r\u1ed9ng trong d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5 v\u00e0 ki\u1ebfm ti\u1ec1n t\u1eeb h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 (iti)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00edch \u1ee9ng ch\u1ee7 \u0111\u1ed9ng v\u1edbi T\u00e0i ch\u00ednh M\u1edf v\u1edbi c\u00e1c API \u0111\u1ed9c quy\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1ea3n xu\u1ea5t<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m ESG ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u quy \u0111\u1ecbnh v\u00e0 \u00e1p l\u1ef1c th\u1ecb tr\u01b0\u1eddng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1 b\u00e1o d\u1ef1a tr\u00ean c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh l\u01b0\u1ee3ng ch\u1ec9 ra kh\u1ea3 n\u0103ng t\u0103ng t\u1ef7 l\u1ec7 chi tr\u1ea3 l\u00ean 40-45% v\u00e0o n\u0103m 2026, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi gi\u1ea3m \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng l\u1edbn h\u01a1n (ch\u1ec9 s\u1ed1 hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n t\u1eeb 45,3% n\u0103m 2023 xu\u1ed1ng 41,8% n\u0103m 2024). Xu h\u01b0\u1edbng n\u00e0y \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u00e1ng k\u1ec3 cho ng\u01b0\u1eddi d\u00f9ng Pocket Option \u0111\u01b0\u1ee3c \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>K\u1ecbch b\u1ea3n<\/th><th>T\u1ef7 l\u1ec7 chi tr\u1ea3 2025-2026<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn<\/th><th>X\u00e1c su\u1ea5t (Ph\u00e2n t\u00edch Bayes)<\/th><\/tr><\/thead><tbody><tr><td>B\u1ea3o th\u1ee7<\/td><td>35-38%<\/td><td>3.8-4.2%<\/td><td>25%<\/td><\/tr><tr><td>C\u01a1 b\u1ea3n<\/td><td>40-43%<\/td><td>4.5-5.0%<\/td><td>55%<\/td><\/tr><tr><td>L\u1ea1c quan<\/td><td>45-48%<\/td><td>5.3-5.8%<\/td><td>20%<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>M\u1ed9t quan \u0111i\u1ec3m ng\u01b0\u1ee3c l\u1ea1i nh\u01b0ng c\u00f3 c\u01a1 s\u1edf l\u00e0 kh\u1ea3 n\u0103ng Ita\u00fa \u00e1p d\u1ee5ng t\u1ef7 l\u1ec7 chi tr\u1ea3 g\u1ea7n 50-55% v\u00e0o n\u0103m 2027. K\u1ecbch b\u1ea3n n\u00e0y, \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi c\u00e1c nh\u00e0 ph\u00e2n t\u00edch thi\u1ec3u s\u1ed1 nh\u01b0ng c\u00f3 l\u1eadp lu\u1eadn v\u1eefng ch\u1eafc, d\u1ef1a tr\u00ean s\u1ef1 tr\u01b0\u1edfng th\u00e0nh c\u1ee7a c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 k\u1ef9 thu\u1eadt s\u1ed1, h\u1ee3p nh\u1ea5t ng\u00e0nh sau l\u00e0n s\u00f3ng fintech, v\u00e0 nhu c\u1ea7u duy tr\u00ec s\u1ef1 h\u1ea5p d\u1eabn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t b\u00ecnh th\u01b0\u1eddng h\u00f3a. Vi\u1ec7c tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh mua l\u1ea1i c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng 10 n\u0103m 2024 (5,5 t\u1ef7 R$) c\u1ee7ng c\u1ed1 kh\u1ea3 n\u0103ng n\u00e0y.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch so s\u00e1nh: Ita\u00fa so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf c\u1ed5 t\u1ee9c tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ea7y \u0111\u1ee7 ti\u1ec1m n\u0103ng c\u1ee7a c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau, ch\u00fang t\u00f4i so s\u00e1nh hi\u1ec7u su\u1ea5t c\u1ee7a ch\u00fang v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf ph\u1ed5 bi\u1ebfn t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c kh\u00e1c tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil. Ph\u00e2n t\u00edch n\u00e0y gi\u00fap \u0111\u1ecbnh h\u00ecnh h\u1ed3 s\u01a1 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng \u0111\u1ed1i.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>T\u00e0i s\u1ea3n<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh (5 n\u0103m)<\/th><th>T\u00ednh nh\u1ea5t qu\u00e1n (\u0110\u1ed9 l\u1ec7ch chu\u1ea9n)<\/th><th>T\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c h\u00e0ng n\u0103m<\/th><th>T\u01b0\u01a1ng quan v\u1edbi l\u1ea1m ph\u00e1t<\/th><\/tr><\/thead><tbody><tr><td>Ita\u00fa (ITUB4)<\/td><td>4.2%<\/td><td>0.7% (Cao)<\/td><td>9.3%<\/td><td>0.62 (Trung b\u00ecnh)<\/td><\/tr><tr><td>Bradesco (BBDC4)<\/td><td>3.8%<\/td><td>1.2% (Trung b\u00ecnh)<\/td><td>7.6%<\/td><td>0.58 (Trung b\u00ecnh)<\/td><\/tr><tr><td>Taesa (TAEE11)<\/td><td>7.5%<\/td><td>0.9% (Cao)<\/td><td>4.2%<\/td><td>0.89 (Cao)<\/td><\/tr><tr><td>Petrobras (PETR4)<\/td><td>10.2%<\/td><td>4.8% (Th\u1ea5p)<\/td><td>Bi\u1ebfn \u0111\u1ed9ng<\/td><td>0.32 (Th\u1ea5p)<\/td><\/tr><tr><td>Brick REITs<\/td><td>6.5%<\/td><td>1.1% (Trung b\u00ecnh)<\/td><td>3.8%<\/td><td>0.91 (Cao)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong v\u0169 tr\u1ee5 ng\u00e2n h\u00e0ng, Ita\u00fa duy tr\u00ec l\u1ee3i th\u1ebf 0,4% trong l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh so v\u1edbi Bradesco v\u00e0 0,7% so v\u1edbi Santander Brasil. Quan tr\u1ecdng h\u01a1n l\u1ee3i su\u1ea5t danh ngh\u0129a l\u00e0 t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 t\u0103ng tr\u01b0\u1edfng c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n - Ita\u00fa th\u1ec3 hi\u1ec7n s\u1ef1 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n (\u0111\u1ed9 l\u1ec7ch chu\u1ea9n 0,7%) v\u00e0 t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m cao h\u01a1n (9,3%).<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So v\u1edbi c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft nh\u01b0 n\u0103ng l\u01b0\u1ee3ng (Taesa) v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, Ita\u00fa cung c\u1ea5p l\u1ee3i su\u1ea5t th\u1ea5p h\u01a1n nh\u01b0ng t\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c v\u01b0\u1ee3t tr\u1ed9i. \u0110\u1eb7c \u0111i\u1ec3m n\u00e0y l\u00e0m cho n\u00f3 ph\u00f9 h\u1ee3p h\u01a1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn v\u01b0\u1ee3t qu\u00e1 5 n\u0103m, nh\u1eefng ng\u01b0\u1eddi \u01b0u ti\u00ean b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i l\u1ea1m ph\u00e1t d\u00e0i h\u1ea1n. Ng\u01b0\u1eddi d\u00f9ng Pocket Option c\u00f3 h\u1ed3 s\u01a1 t\u1ea5n c\u00f4ng c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p v\u1ecb th\u1ebf trong Ita\u00fa (t\u0103ng tr\u01b0\u1edfng) v\u1edbi Taesa (l\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i) \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a h\u1ed3 s\u01a1 th\u1eddi gian c\u1ee7a thu nh\u1eadp.<\/p><\/div>[cta_button text=\"\"]<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: X\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng v\u1edbi c\u1ed5 t\u1ee9c Ita\u00fa<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u01b0u ti\u00ean cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil t\u00ecm ki\u1ebfm x\u00e2y d\u1ef1ng thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u0103ng tr\u01b0\u1edfng v\u1edbi b\u1ea3o v\u1ec7 l\u1ea1m ph\u00e1t. S\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ea1nh tranh (4,2%), t\u0103ng tr\u01b0\u1edfng nh\u1ea5t qu\u00e1n (9,3% m\u1ed7i n\u0103m), v\u00e0 s\u1ef1 v\u1eefng ch\u1eafc t\u00e0i ch\u00ednh (ROE 21,3%) \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng nh\u01b0 m\u1ed9t th\u00e0nh ph\u1ea7n chi\u1ebfn l\u01b0\u1ee3c trong c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a k\u1ebft qu\u1ea3 trong kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y, ch\u00fang t\u00f4i khuy\u1ebfn ngh\u1ecb m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn c\u00f3 h\u1ec7 th\u1ed1ng:<\/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'>\u0110\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng th\u01b0\u1eddng xuy\u00ean b\u1ea5t k\u1ec3 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng (25% t\u1ed5ng ph\u00e2n b\u1ed5)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Mua chi\u1ebfn thu\u1eadt b\u1ed5 sung trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh v\u01b0\u1ee3t qu\u00e1 10% (50% ph\u00e2n b\u1ed5)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>D\u1ef1 tr\u1eef chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c \u0111\u1ee3t gi\u1ea3m m\u1ea1nh tr\u00ean 20% (25% ph\u00e2n b\u1ed5)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng 100% c\u1ed5 t\u1ee9c trong giai \u0111o\u1ea1n t\u00edch l\u0169y<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110a d\u1ea1ng h\u00f3a v\u1edbi c\u00e1c nh\u00e0 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00e1c c\u00f3 t\u01b0\u01a1ng quan th\u1ea5p (ti\u1ec7n \u00edch, vi\u1ec5n th\u00f4ng)<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option \u0111\u00e3 ph\u00e1t tri\u1ec3n c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ed9c quy\u1ec1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, bao g\u1ed3m h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o cho c\u00e1c ng\u00e0y ex-dividend, m\u00e1y t\u00ednh d\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c v\u1edbi m\u00f4 ph\u1ecfng t\u00e1i \u0111\u1ea7u t\u01b0, v\u00e0 ph\u00e2n t\u00edch so s\u00e1nh l\u1ee3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro. Kho v\u0169 kh\u00ed c\u00f4ng ngh\u1ec7 n\u00e0y cho ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c tr\u01b0\u1edbc \u0111\u00e2y ch\u1ec9 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn b\u1edfi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau \u0111\u00f2i h\u1ecfi k\u1ef7 lu\u1eadt v\u00e0 m\u1ed9t quan \u0111i\u1ec3m d\u00e0i h\u1ea1n, nh\u01b0ng k\u1ebft qu\u1ea3 l\u1ecbch s\u1eed ch\u1ee9ng minh hi\u1ec7u qu\u1ea3 c\u1ee7a ch\u00fang nh\u01b0 m\u1ed9t \u0111\u1ed9ng c\u01a1 t\u0103ng tr\u01b0\u1edfng t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi Brazil coi tr\u1ecdng t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i s\u1ef1 m\u1ea5t gi\u00e1 ti\u1ec1n t\u1ec7, \u00edt c\u00f3 l\u1ef1a ch\u1ecdn thay th\u1ebf n\u00e0o k\u1ebft h\u1ee3p hi\u1ec7u qu\u1ea3 gi\u1eefa an to\u00e0n v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng nh\u01b0 c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t qu\u1ed1c gia, v\u1edbi h\u00e0nh tr\u00ecnh thanh to\u00e1n kh\u00f4ng gi\u00e1n \u0111o\u1ea1n t\u1eeb n\u0103m 1994.<\/p><\/div>","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'>C\u1ed5 t\u1ee9c Ita\u00fa n\u0103m 2025: To\u00e0n c\u1ea3nh hi\u1ec7n t\u1ea1i v\u00e0 c\u01a1 h\u1ed9i c\u1ee5 th\u1ec3<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Brazil \u0111\u00e3 tr\u1ea3i qua nh\u1eefng bi\u1ebfn \u0111\u1ed5i s\u00e2u s\u1eafc t\u1eeb n\u0103m 2023, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c b\u1edfi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Ita\u00fa Unibanco n\u1ed5i b\u1eadt v\u1edbi t\u1ef7 su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% trong 24 th\u00e1ng qua, \u0111\u1ee9ng trong s\u1ed1 ba nh\u00e0 tr\u1ea3 c\u1ed5 t\u1ee9c ch\u00ednh tr\u00ean B3. Hi\u1ec3u r\u00f5 c\u00e1c s\u1eafc th\u00e1i c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau \u0111\u00e3 tr\u1edf n\u00ean c\u1ea7n thi\u1ebft cho nh\u1eefng ai t\u00ecm ki\u1ebfm x\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n v\u1edbi thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u1ea1i Brazil.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u1edbi l\u1ee3i nhu\u1eadn r\u00f2ng 33,5 t\u1ef7 R$ v\u00e0o n\u0103m 2023 v\u00e0 28,2 t\u1ef7 R$ trong ba qu\u00fd \u0111\u1ea7u n\u0103m 2024, Ita\u00fa duy tr\u00ec ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i ngay c\u1ea3 trong nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n nh\u01b0 \u0111\u1ea1i d\u1ecbch 2020-2021, khi nhi\u1ec1u c\u00f4ng ty t\u1ea1m ng\u1eebng thanh to\u00e1n. S\u1ef1 \u1ed5n \u0111\u1ecbnh n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t c\u01a1 s\u1edf nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1eefng ch\u1eafc, nh\u1eefng ng\u01b0\u1eddi \u01b0u ti\u00ean thu nh\u1eadp \u0111\u1ecbnh k\u1ef3 h\u01a1n l\u00e0 \u0111\u1ea7u c\u01a1.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c giao d\u1ecbch d\u01b0\u1edbi m\u00e3 ITUB3 (th\u01b0\u1eddng) v\u00e0 ITUB4 (\u01b0u \u0111\u00e3i) th\u1ec3 hi\u1ec7n c\u00e1c h\u00e0nh vi kh\u00e1c bi\u1ec7t li\u00ean quan \u0111\u1ebfn c\u1ed5 t\u1ee9c. ITUB4, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch trung b\u00ecnh h\u00e0ng ng\u00e0y 587 tri\u1ec7u R$, cung c\u1ea5p t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i v\u00e0 l\u1ee3i su\u1ea5t cao h\u01a1n 0,3%, tr\u1edf th\u00e0nh s\u1ef1 l\u1ef1a ch\u1ecdn t\u1ef1 nhi\u00ean cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng Pocket Option, s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 thanh kho\u1ea3n t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u00e0o v\u00e0 ra trong nh\u1eefng th\u1eddi \u0111i\u1ec3m bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ti\u1ebfn h\u00f3a l\u1ecbch s\u1eed: C\u00e1ch c\u1ed5 t\u1ee9c Ita\u00fa v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t Brazil<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ph\u00e2n t\u00edch h\u00e0nh tr\u00ecnh c\u1ee7a c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau trong n\u0103m n\u0103m qua ti\u1ebft l\u1ed9 m\u1ed9t m\u00f4 h\u00ecnh \u0111\u1eb7c bi\u1ec7t: t\u0103ng tr\u01b0\u1edfng li\u00ean t\u1ee5c v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t ch\u00ednh th\u1ee9c. Ng\u00e2n h\u00e0ng duy tr\u00ec m\u1ee9c ph\u00e2n ph\u1ed1i trung b\u00ecnh t\u1eeb 32% \u0111\u1ebfn 37% l\u1ee3i nhu\u1eadn r\u00f2ng, v\u01b0\u1ee3t qua c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp nh\u01b0 Bradesco (29%) v\u00e0 Santander Brasil (31%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>N\u0103m<\/th>\n<th>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/th>\n<th>C\u1ed5 t\u1ee9c + JCP (t\u1ef7 R$)<\/th>\n<th>T\u1ef7 l\u1ec7 chi tr\u1ea3<\/th>\n<th>Gi\u00e1 tr\u1ecb m\u1ed7i c\u1ed5 phi\u1ebfu (R$)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2020<\/td>\n<td>18.5<\/td>\n<td>6.3<\/td>\n<td>34%<\/td>\n<td>0.63<\/td>\n<\/tr>\n<tr>\n<td>2021<\/td>\n<td>26.8<\/td>\n<td>8.7<\/td>\n<td>32%<\/td>\n<td>0.87<\/td>\n<\/tr>\n<tr>\n<td>2022<\/td>\n<td>30.8<\/td>\n<td>10.2<\/td>\n<td>33%<\/td>\n<td>1.02<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>33.5<\/td>\n<td>12.1<\/td>\n<td>36%<\/td>\n<td>1.21<\/td>\n<\/tr>\n<tr>\n<td>2024 (t\u1ea1m th\u1eddi)<\/td>\n<td>28.2<\/td>\n<td>10.5<\/td>\n<td>37%<\/td>\n<td>1.05<\/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'>\u0110i\u1ec3m kh\u00e1c bi\u1ec7t c\u1ee7a Ita\u00fa n\u1eb1m \u1edf chi\u1ebfn l\u01b0\u1ee3c th\u00f9 lao lai. Ng\u00e2n h\u00e0ng ph\u00e2n ph\u1ed1i kho\u1ea3ng 60% l\u1ee3i nhu\u1eadn d\u01b0\u1edbi d\u1ea1ng L\u00e3i tr\u00ean V\u1ed1n (JCP) v\u00e0 40% d\u01b0\u1edbi d\u1ea1ng c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng. S\u1ef1 k\u1ebft h\u1ee3p n\u00e0y t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch thu\u1ebf cho c\u1ea3 t\u1ed5 ch\u1ee9c (kh\u1ea5u tr\u1eeb JCP kh\u1ecfi c\u01a1 s\u1edf t\u00ednh thu\u1ebf Thu nh\u1eadp) v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y l\u00e0m cho c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Ita\u00fa \u0111\u1eb7c bi\u1ec7t c\u00f3 l\u1ee3i so v\u1edbi ch\u1ee9ng kho\u00e1n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh ch\u1ecbu thu\u1ebf l\u00ean \u0111\u1ebfn 22,5%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>T\u1ea1i sao Ita\u00fa v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c ng\u00e2n h\u00e0ng Brazil kh\u00e1c trong ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil, Ita\u00fa c\u00f3 nh\u1eefng l\u1ee3i th\u1ebf c\u1ee5 th\u1ec3 trong ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c c\u1ee7a m\u00ecnh:<\/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'>Duy tr\u00ec thanh to\u00e1n ngay c\u1ea3 trong kh\u1ee7ng ho\u1ea3ng (duy tr\u00ec ph\u00e2n ph\u1ed1i n\u0103m 2020 khi Bradesco gi\u1ea3m 30%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ecbch thanh to\u00e1n minh b\u1ea1ch \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o \u0111\u1ea7u m\u1ed7i n\u0103m t\u00e0i ch\u00ednh<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u0103ng d\u1ea7n t\u1ef7 l\u1ec7 chi tr\u1ea3 t\u1eeb 30% n\u0103m 2019 l\u00ean 37% n\u0103m 2024<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n b\u1eb1ng gi\u1eefa ph\u00e2n ph\u1ed1i ngay l\u1eadp t\u1ee9c (65%) v\u00e0 d\u1ef1 tr\u1eef cho c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai (35%)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>S\u1eed d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c JCP trong c\u00e1c th\u00e1ng c\u1ee5 th\u1ec3 \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a thu\u1ebf<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Nh\u1eefng kh\u00e1c bi\u1ec7t n\u00e0y \u0111\u00e3 l\u00e0m cho c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau tr\u1edf n\u00ean h\u1ea5p d\u1eabn \u0111\u1ed1i v\u1edbi c\u00e1c qu\u1ef9 qu\u1ed1c t\u1ebf, nh\u1eefng qu\u1ef9 \u0111\u00e3 t\u0103ng t\u1ef7 l\u1ec7 tham gia t\u1eeb 42% l\u00ean 48% t\u1eeb n\u0103m 2022 \u0111\u1ebfn 2024. C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Pocket Option \u0111\u00e3 ghi nh\u1eadn s\u1ef1 gia t\u0103ng 32% trong c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn ITUB4 trong n\u0103m qua, b\u00e1o hi\u1ec7u s\u1ef1 quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Ita\u00fa: Gi\u1ea3i m\u00e3 l\u1ecbch thanh to\u00e1n<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>T\u1eeb n\u0103m 2022, Ita\u00fa \u0111\u00e3 tri\u1ec3n khai m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n th\u01b0\u1eddng xuy\u00ean h\u01a1n, g\u1ea7n nh\u01b0 l\u00e0 ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng. C\u00e1ch ti\u1ebfp c\u1eadn ti\u00ean phong n\u00e0y trong s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn c\u1ee7a Brazil ph\u1ee5c v\u1ee5 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u01b0u ti\u00ean d\u00f2ng ti\u1ec1n d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c cho c\u00e1c chi ph\u00ed \u0111\u1ecbnh k\u1ef3 ho\u1eb7c t\u00e1i \u0111\u1ea7u t\u01b0 c\u00f3 h\u1ec7 th\u1ed1ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>L\u1ecbch thanh to\u00e1n tu\u00e2n theo m\u00f4 h\u00ecnh h\u00e0ng qu\u00fd ch\u00ednh th\u1ee9c, nh\u01b0ng v\u1edbi c\u00e1c d\u1ef1 \u0111o\u00e1n chi\u1ebfn l\u01b0\u1ee3c t\u1ea1o ra d\u00f2ng ch\u1ea3y g\u1ea7n nh\u01b0 h\u00e0ng th\u00e1ng. V\u00ed d\u1ee5, v\u00e0o n\u0103m 2024, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n 9 kho\u1ea3n thanh to\u00e1n kh\u00e1c nhau, k\u1ebft h\u1ee3p c\u1ed5 t\u1ee9c th\u01b0\u1eddng xuy\u00ean v\u1edbi JCP v\u00e0 c\u1ed5 t\u1ee9c \u0111\u1eb7c bi\u1ec7t trong c\u00e1c th\u00e1ng xen k\u1ebd.<\/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>Lo\u1ea1i thanh to\u00e1n<\/th>\n<th>T\u1ea7n su\u1ea5t \u0111i\u1ec3n h\u00ecnh<\/th>\n<th>Thu\u1ebf<\/th>\n<th>Gi\u00e1 tr\u1ecb trung b\u00ecnh (% l\u1ee3i nhu\u1eadn)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>C\u1ed5 t\u1ee9c<\/td>\n<td>H\u00e0ng qu\u00fd<\/td>\n<td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td>\n<td>15-18%<\/td>\n<\/tr>\n<tr>\n<td>JCP<\/td>\n<td>H\u00e0ng th\u00e1ng\/Hai th\u00e1ng<\/td>\n<td>Thu\u1ebf kh\u1ea5u tr\u1eeb 15%<\/td>\n<td>18-20%<\/td>\n<\/tr>\n<tr>\n<td>C\u1ed5 t\u1ee9c \u0111\u1eb7c bi\u1ec7t<\/td>\n<td>N\u1eeda n\u0103m (Th\u00e1ng 6\/Th\u00e1ng 12)<\/td>\n<td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td>\n<td>2-5%<\/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\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Pocket Option, ki\u1ebfn th\u1ee9c n\u00e0y cho ph\u00e9p l\u1eadp tr\u00ecnh c\u00e1c giao d\u1ecbch mua chi\u1ebfn l\u01b0\u1ee3c tr\u01b0\u1edbc c\u00e1c ng\u00e0y c\u1eaft gi\u1ea3m. N\u1ec1n t\u1ea3ng cung c\u1ea5p c\u00e1c c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho ba ng\u00e0y quan tr\u1ecdng c\u1ee7a chu k\u1ef3 c\u1ed5 t\u1ee9c, t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn m\u00e0 kh\u00f4ng c\u1ea7n gi\u00e1m s\u00e1t li\u00ean t\u1ee5c.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>L\u1ecbch chi\u1ebfn l\u01b0\u1ee3c: Ng\u00e0y quan tr\u1ecdng \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a c\u1ed5 t\u1ee9c Ita\u00fa<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>L\u1ecbch c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau tu\u00e2n theo m\u1ed9t m\u00f4 h\u00ecnh t\u00ednh to\u00e1n m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 kinh nghi\u1ec7m khai th\u00e1c m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng. Ba ng\u00e0y quy\u1ebft \u0111\u1ecbnh s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c:<\/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'>Ng\u00e0y c\u00f4ng b\u1ed1: th\u01b0\u1eddng l\u00e0 5-7 ng\u00e0y l\u00e0m vi\u1ec7c sau khi c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 qu\u00fd, khi h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb ph\u00ea duy\u1ec7t gi\u00e1 tr\u1ecb v\u00e0 ng\u00e0y<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y cum: ng\u00e0y cu\u1ed1i c\u00f9ng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu c\u00f3 quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c \u0111\u00e3 c\u00f4ng b\u1ed1 (th\u01b0\u1eddng l\u00e0 5 ng\u00e0y l\u00e0m vi\u1ec7c tr\u01b0\u1edbc khi thanh to\u00e1n)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y ex: ng\u00e0y \u0111\u1ea7u ti\u00ean m\u00e0 c\u1ed5 phi\u1ebfu giao d\u1ecbch kh\u00f4ng c\u00f3 quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c \u0111\u00e3 tuy\u00ean b\u1ed1 (th\u01b0\u1eddng c\u00f3 s\u1ef1 gi\u1ea3m gi\u00e1 t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 tr\u1ecb c\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c quan s\u00e1t)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ng\u00e0y thanh to\u00e1n: t\u00edn d\u1ee5ng th\u1ef1c t\u1ebf v\u00e0o t\u00e0i kho\u1ea3n, x\u1ea3y ra trung b\u00ecnh 3 ng\u00e0y l\u00e0m vi\u1ec7c sau ng\u00e0y ex<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>M\u1ed9t sai l\u1ea7m ph\u1ed5 bi\u1ebfn trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi m\u1edbi l\u00e0 mua c\u1ed5 phi\u1ebfu m\u1ed9t ng\u00e0y sau ng\u00e0y cum, m\u1ea5t quy\u1ec1n nh\u1eadn c\u1ed5 t\u1ee9c s\u1eafp t\u1edbi v\u00e0 mua trong m\u1ed9t \u0111\u1ee3t gi\u1ea3m gi\u00e1 c\u00f3 th\u1ec3 x\u1ea3y ra v\u00e0o ng\u00e0y ex. Pocket Option \u0111\u00e3 tri\u1ec3n khai v\u00e0o n\u0103m 2023 m\u1ed9t h\u1ec7 th\u1ed1ng th\u00f4ng b\u00e1o t\u1ef1 \u0111\u1ed9ng c\u1ea3nh b\u00e1o c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u1ec1 s\u1ef1 ti\u1ebfp c\u1eadn c\u1ee7a nh\u1eefng ng\u00e0y quan tr\u1ecdng n\u00e0y, gi\u1ea3m thi\u1ec3u sai l\u1ea7m v\u1ec1 th\u1eddi gian.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>X\u00e1c \u0111\u1ecbnh c\u00e1c ch\u1ec9 s\u1ed1 \u0111\u1ec3 d\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c Ita\u00fa trong t\u01b0\u01a1ng lai<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai c\u1ee7a c\u1ed5 phi\u1ebfu Itau ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 c\u00e1c \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. C\u00e1c ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt cho th\u1ea5y m\u1ed1i t\u01b0\u01a1ng quan 0,73 gi\u1eefa bi\u1ebfn \u0111\u1ed9ng l\u00e3i su\u1ea5t Selic v\u00e0 l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn kh\u1ea3 n\u0103ng ph\u00e2n ph\u1ed1i c\u1ee7a n\u00f3.<\/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<\/th>\n<th>\u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn c\u1ed5 t\u1ee9c<\/th>\n<th>Xu h\u01b0\u1edbng 2025-2026<\/th>\n<th>Hi\u1ec7u \u1ee9ng d\u1ef1 ki\u1ebfn<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u00e3i su\u1ea5t Selic<\/td>\n<td>Cao (+0.73)<\/td>\n<td>\u1ed4n \u0111\u1ecbnh \u1edf m\u1ee9c 9-10%<\/td>\n<td>Trung l\u1eadp \u0111\u1ebfn t\u00edch c\u1ef1c<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3<\/td>\n<td>Cao (-0.68)<\/td>\n<td>Gi\u1ea3m xu\u1ed1ng 3.2-3.5%<\/td>\n<td>T\u00edch c\u1ef1c<\/td>\n<\/tr>\n<tr>\n<td>C\u1ea1nh tranh k\u1ef9 thu\u1eadt s\u1ed1<\/td>\n<td>Trung b\u00ecnh (-0.41)<\/td>\n<td>T\u0103ng c\u01b0\u1eddng<\/td>\n<td>H\u01a1i ti\u00eau c\u1ef1c<\/td>\n<\/tr>\n<tr>\n<td>Quy \u0111\u1ecbnh (Basel IV)<\/td>\n<td>Trung b\u00ecnh (-0.37)<\/td>\n<td>Tri\u1ec3n khai d\u1ea7n d\u1ea7n<\/td>\n<td>T\u1ea1m th\u1eddi ti\u00eau c\u1ef1c<\/td>\n<\/tr>\n<tr>\n<td>GDP Brazil<\/td>\n<td>Cao (+0.59)<\/td>\n<td>T\u0103ng tr\u01b0\u1edfng 2.2-2.8%<\/td>\n<td>T\u00edch c\u1ef1c<\/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'>M\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t \u1edf Brazil \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn Ita\u00fa kh\u00f4ng \u0111\u1ed1i x\u1ee9ng. L\u00e3i su\u1ea5t cao (tr\u00ean 8%) c\u00f3 l\u1ee3i cho bi\u00ean t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng kho\u1ea3ng 0,2% cho m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m c\u1ee7a Selic. Tuy nhi\u00ean, s\u1ef1 c\u1ea1nh tranh t\u1eeb c\u00e1c fintech nh\u01b0 Nubank v\u00e0 Inter \u0111\u00e3 g\u00e2y \u00e1p l\u1ef1c l\u00ean bi\u00ean ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, gi\u1ea3m t\u1eeb 9,8% n\u0103m 2019 xu\u1ed1ng 8,1% n\u0103m 2024.<\/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 c\u1ee7a Pocket Option \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ed9t ch\u1ec9 s\u1ed1 \u0111\u1ed9c quy\u1ec1n k\u1ebft h\u1ee3p c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec3 d\u1ef1 b\u00e1o bi\u1ebfn \u0111\u1ed9ng c\u1ed5 t\u1ee9c v\u1edbi \u0111\u1ed9 ch\u00ednh x\u00e1c 87% trong 12 qu\u00fd qua, cung c\u1ea5p l\u1ee3i th\u1ebf th\u00f4ng tin \u0111\u00e1ng k\u1ec3 cho ng\u01b0\u1eddi d\u00f9ng n\u1ec1n t\u1ea3ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>N\u0103m chi\u1ebfn l\u01b0\u1ee3c n\u00e2ng cao \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn v\u1edbi c\u1ed5 phi\u1ebfu Ita\u00fa<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ngo\u00e0i vi\u1ec7c mua v\u00e0 gi\u1eef \u0111\u01a1n gi\u1ea3n, c\u00f3 nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn tinh vi n\u00e2ng cao l\u1ee3i nhu\u1eadn t\u1eeb c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau. Nh\u1eefng k\u1ef9 thu\u1eadt n\u00e0y \u0111\u1eb7c bi\u1ec7t c\u00f3 li\u00ean quan trong b\u1ed1i c\u1ea3nh Brazil, n\u01a1i m\u00e0 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng t\u1ea1o ra c\u00e1c c\u1eeda s\u1ed5 c\u01a1 h\u1ed9i th\u01b0\u1eddng xuy\u00ean.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>T\u00e1i \u0111\u1ea7u t\u01b0 c\u00f3 l\u1eadp tr\u00ecnh: S\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p \u00e1p d\u1ee5ng cho c\u1ed5 t\u1ee9c<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Chi\u1ebfn l\u01b0\u1ee3c t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng bi\u1ebfn c\u1ed5 t\u1ee9c khi\u00eam t\u1ed1n th\u00e0nh v\u1ed1n \u0111\u00e1ng k\u1ec3 th\u00f4ng qua s\u1ee9c m\u1ea1nh c\u1ee7a l\u00e3i k\u00e9p. V\u1edbi t\u1ef7 su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% v\u00e0 m\u1ee9c t\u0103ng trung b\u00ecnh h\u00e0ng n\u0103m 12,3% (x\u00e9t trong 5 n\u0103m qua), hi\u1ec7u \u1ee9ng c\u1ee7a t\u00e1i \u0111\u1ea7u t\u01b0 l\u00e0 theo c\u1ea5p s\u1ed1 nh\u00e2n.<\/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>\u0110\u1ea7u t\u01b0 ban \u0111\u1ea7u (R$)<\/th>\n<th>\u0110\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng (R$)<\/th>\n<th>Gi\u00e1 tr\u1ecb sau 10 n\u0103m kh\u00f4ng t\u00e1i \u0111\u1ea7u t\u01b0 (R$)<\/th>\n<th>Gi\u00e1 tr\u1ecb sau 10 n\u0103m v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 to\u00e0n b\u1ed9 (R$)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B\u1ea3o th\u1ee7<\/td>\n<td>10,000<\/td>\n<td>300<\/td>\n<td>56,000 + 21,000 trong c\u1ed5 t\u1ee9c<\/td>\n<td>93,700<\/td>\n<\/tr>\n<tr>\n<td>Trung b\u00ecnh<\/td>\n<td>10,000<\/td>\n<td>500<\/td>\n<td>70,000 + 24,600 trong c\u1ed5 t\u1ee9c<\/td>\n<td>118,500<\/td>\n<\/tr>\n<tr>\n<td>T\u1ea5n c\u00f4ng<\/td>\n<td>10,000<\/td>\n<td>1,000<\/td>\n<td>130,000 + 32,800 trong c\u1ed5 t\u1ee9c<\/td>\n<td>198,200<\/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'>Pocket Option \u0111\u00e3 tri\u1ec3n khai v\u00e0o n\u0103m 2024 m\u1ed9t ch\u1ee9c n\u0103ng t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng lo\u1ea1i b\u1ecf chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 t\u00e2m l\u00fd c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c n\u00e0y. H\u1ec7 th\u1ed1ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch mua c\u00f3 l\u1eadp tr\u00ecnh trong ba ng\u00e0y sau khi nh\u1eadn c\u1ed5 t\u1ee9c, t\u1eadn d\u1ee5ng t\u00ednh thanh kho\u1ea3n v\u01b0\u1ee3t tr\u1ed9i c\u1ee7a ITUB4 m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 can thi\u1ec7p th\u1ee7 c\u00f4ng t\u1eeb nh\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>B\u1ed5 sung cho t\u00e1i \u0111\u1ea7u t\u01b0, chi\u1ebfn l\u01b0\u1ee3c trung b\u00ecnh gi\u00e1 gi\u1ea3m t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 t\u0103ng v\u1ecb th\u1ebf v\u1edbi chi ph\u00ed trung b\u00ecnh gi\u1ea3m. D\u1eef li\u1ec7u l\u1ecbch s\u1eed cho th\u1ea5y Ita\u00fa c\u00f3 c\u00e1c \u0111i\u1ec1u ch\u1ec9nh k\u1ef9 thu\u1eadt t\u1eeb 8-12% \u00edt nh\u1ea5t hai l\u1ea7n m\u1ed9t n\u0103m, t\u1ea1o ra c\u01a1 h\u1ed9i h\u1ec7 th\u1ed1ng cho c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y.<\/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'>\u0110\u1ea7u t\u01b0 h\u00e0ng th\u00e1ng c\u00f3 l\u1eadp tr\u00ecnh b\u1ea5t k\u1ec3 gi\u00e1 (trung b\u00ecnh gi\u00e1 \u0111\u00f4 la) gi\u1ea3m t\u00e1c \u0111\u1ed9ng c\u1ee7a s\u1ef1 bi\u1ebfn \u0111\u1ed9ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110\u00f3ng g\u00f3p \u0111\u1eb7c bi\u1ec7t trong c\u00e1c \u0111\u1ee3t gi\u1ea3m gi\u00e1 v\u01b0\u1ee3t qu\u00e1 10% t\u0103ng c\u01b0\u1eddng l\u1ee3i nhu\u1eadn d\u00e0i h\u1ea1n<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Duy tr\u00ec d\u1ef1 tr\u1eef chi\u1ebfn thu\u1eadt t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 20-25% v\u1ecb th\u1ebf \u0111\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh nghi\u00eam tr\u1ecdng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u00e2n b\u1eb1ng danh m\u1ee5c h\u00e0ng qu\u00fd \u0111\u1ec3 duy tr\u00ec ph\u00e2n b\u1ed5 chi\u1ebfn l\u01b0\u1ee3c trong c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n kh\u00e1c nhau<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi quy\u1ec1n ch\u1ecdn mua c\u00f3 b\u1ea3o hi\u1ec3m tr\u00ean c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau, t\u1ea1o ra c\u00e1c kho\u1ea3n ph\u00ed b\u1ed5 sung t\u1eeb 0,5-0,8% m\u1ed7i th\u00e1ng trong khi duy tr\u00ec ti\u1ebfp x\u00fac v\u1edbi c\u1ed5 t\u1ee9c. K\u1ef9 thu\u1eadt n\u00e0y \u0111\u00f2i h\u1ecfi ki\u1ebfn th\u1ee9c c\u1ee5 th\u1ec3 v\u00e0 ph\u00f9 h\u1ee3p cho c\u00e1c danh m\u1ee5c tr\u00ean 50,000 R$.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>T\u1ed1i \u01b0u h\u00f3a thu\u1ebf: T\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn r\u00f2ng t\u1eeb c\u1ed5 t\u1ee9c Ita\u00fa<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>L\u1eadp k\u1ebf ho\u1ea1ch thu\u1ebf \u0111\u1ea1i di\u1ec7n cho m\u1ed9t l\u1ee3i th\u1ebf c\u1ea1nh tranh \u0111\u00e1ng k\u1ec3 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 t\u1ee9c c\u1ed5 phi\u1ebfu Itau. C\u1ea5u tr\u00fac thu\u1ebf c\u1ee7a Brazil cung c\u1ea5p c\u00e1c c\u01a1 h\u1ed9i t\u1ed1i \u01b0u h\u00f3a h\u1ee3p ph\u00e1p c\u00f3 th\u1ec3 t\u0103ng l\u1ee3i su\u1ea5t r\u00f2ng l\u00ean \u0111\u1ebfn 27%.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp tr\u00ean c\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng t\u01b0\u01a1ng ph\u1ea3n v\u1edbi vi\u1ec7c \u0111\u00e1nh thu\u1ebf c\u00e1c ngu\u1ed3n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng kh\u00e1c: cho thu\u00ea (27,5%), CDBs (15-22,5%), v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (20%). S\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y l\u00e0m cho c\u1ed5 phi\u1ebfu \u0111\u1eb7c bi\u1ec7t h\u1ea5p d\u1eabn trong c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111a d\u1ea1ng h\u00f3a thu\u1ebf.<\/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>Lo\u1ea1i thu nh\u1eadp<\/th>\n<th>Thu\u1ebf<\/th>\n<th>Chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u h\u00f3a<\/th>\n<th>L\u1ee3i \u00edch ti\u1ec1m n\u0103ng<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>C\u1ed5 t\u1ee9c<\/td>\n<td>Mi\u1ec5n thu\u1ebf Thu nh\u1eadp<\/td>\n<td>T\u1ed1i \u0111a h\u00f3a ph\u00e2n b\u1ed5 trong t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n<\/td>\n<td>27.5% so v\u1edbi thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td>JCP<\/td>\n<td>Thu\u1ebf kh\u1ea5u tr\u1eeb 15%<\/td>\n<td>B\u00f9 tr\u1eeb thu\u1ebf kh\u1ea5u tr\u1eeb v\u1edbi l\u1ed7 trong thu nh\u1eadp bi\u1ebfn \u0111\u1ed9ng<\/td>\n<td>L\u00ean \u0111\u1ebfn 15% gi\u00e1 tr\u1ecb kh\u1ea5u tr\u1eeb<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i nhu\u1eadn v\u1ed1n<\/td>\n<td>15% \u0111\u1ebfn 22.5% t\u00f9y theo gi\u00e1 tr\u1ecb<\/td>\n<td>B\u00e1n h\u00e0ng th\u00e1ng c\u00f3 l\u1eadp tr\u00ecnh gi\u1edbi h\u1ea1n \u1edf m\u1ee9c 20,000 R$<\/td>\n<td>Mi\u1ec5n thu\u1ebf ho\u00e0n to\u00e0n (giao d\u1ecbch l\u00ean \u0111\u1ebfn 20,000 R$\/th\u00e1ng)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u1ea3i c\u00e1ch thu\u1ebf \u1edf Brazil \u0111\u00e1ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd \u0111\u1eb7c bi\u1ec7t. \u0110\u1ec1 xu\u1ea5t \u0111\u00e1nh thu\u1ebf c\u1ed5 t\u1ee9c \u1edf m\u1ee9c 15% \u0111\u00e3 ti\u1ebfn tri\u1ec3n trong Qu\u1ed1c h\u1ed9i t\u1eeb n\u0103m 2023, v\u1edbi kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n v\u00e0o n\u0103m 2026. C\u00e1c c\u1ed1 v\u1ea5n c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb t\u0103ng v\u1ecb th\u1ebf tr\u01b0\u1edbc b\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i (duy tr\u00ec c\u00e1c quy t\u1eafc tr\u01b0\u1edbc \u0111\u00f3) cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u00e3 thi\u1ebft l\u1eadp.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u00e0i s\u1ea3n v\u01b0\u1ee3t qu\u00e1 300,000 R$, c\u00e1c c\u1ea5u tr\u00fac nh\u01b0 c\u00f4ng ty c\u1ed5 ph\u1ea7n c\u00f3 th\u1ec3 t\u1ed1i \u01b0u h\u00f3a thu\u1ebf tr\u00ean c\u1ed5 t\u1ee9c v\u00e0 l\u1ee3i nhu\u1eadn v\u1ed1n. C\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y cho ph\u00e9p b\u00f9 tr\u1eeb l\u1ed7, ho\u00e3n thu\u1ebf, v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch k\u1ebf th\u1eeba t\u00edch h\u1ee3p, v\u1edbi ti\u1ec1m n\u0103ng ti\u1ebft ki\u1ec7m thu\u1ebf t\u1eeb 12-18% m\u1ed7i n\u0103m so v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 tr\u1ef1c ti\u1ebfp.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>D\u1ef1 b\u00e1o 2025-2026: T\u01b0\u01a1ng lai c\u1ee7a c\u1ed5 t\u1ee9c Ita\u00fa sau chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>T\u1ea7m nh\u00ecn cho c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau tr\u00ecnh b\u00e0y nh\u1eefng tri\u1ec3n v\u1ecdng h\u1ee9a h\u1eb9n, \u0111\u01b0\u1ee3c duy tr\u00ec b\u1edfi nh\u1eefng thay \u0111\u1ed5i c\u1ea5u tr\u00fac trong m\u00f4 h\u00ecnh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. Vi\u1ec7c k\u1ebft th\u00fac chu k\u1ef3 \u0111\u1ea7u t\u01b0 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 (37 t\u1ef7 R$ t\u1eeb 2019-2024) s\u1ebd gi\u1ea3i ph\u00f3ng v\u1ed1n cho ph\u00e2n ph\u1ed1i m\u1edf r\u1ed9ng trong nh\u1eefng n\u0103m t\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c xu h\u01b0\u1edbng quy\u1ebft \u0111\u1ecbnh cho c\u1ed5 t\u1ee9c t\u01b0\u01a1ng lai c\u1ee7a Ita\u00fa 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'>T\u0103ng t\u1ed1c chi\u1ebfn l\u01b0\u1ee3c \u0111a k\u00eanh v\u1edbi gi\u1ea3m 32% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd v\u00e0o n\u0103m 2027<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ee3p nh\u1ea5t khu v\u1ef1c th\u00f4ng qua c\u00e1c v\u1ee5 mua l\u1ea1i chi\u1ebfn l\u01b0\u1ee3c (XP n\u0103m 2022, Corpbanca n\u0103m 2023)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>M\u1edf r\u1ed9ng trong d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5 v\u00e0 ki\u1ebfm ti\u1ec1n t\u1eeb h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 (iti)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u00edch \u1ee9ng ch\u1ee7 \u0111\u1ed9ng v\u1edbi T\u00e0i ch\u00ednh M\u1edf v\u1edbi c\u00e1c API \u0111\u1ed9c quy\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1ea3n xu\u1ea5t<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m ESG ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u quy \u0111\u1ecbnh v\u00e0 \u00e1p l\u1ef1c th\u1ecb tr\u01b0\u1eddng<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1 b\u00e1o d\u1ef1a tr\u00ean c\u00e1c m\u00f4 h\u00ecnh \u0111\u1ecbnh l\u01b0\u1ee3ng ch\u1ec9 ra kh\u1ea3 n\u0103ng t\u0103ng t\u1ef7 l\u1ec7 chi tr\u1ea3 l\u00ean 40-45% v\u00e0o n\u0103m 2026, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi gi\u1ea3m \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 v\u00e0 hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng l\u1edbn h\u01a1n (ch\u1ec9 s\u1ed1 hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n t\u1eeb 45,3% n\u0103m 2023 xu\u1ed1ng 41,8% n\u0103m 2024). Xu h\u01b0\u1edbng n\u00e0y \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i \u0111\u00e1ng k\u1ec3 cho ng\u01b0\u1eddi d\u00f9ng Pocket Option \u0111\u01b0\u1ee3c \u0111\u1ecbnh v\u1ecb chi\u1ebfn l\u01b0\u1ee3c.<\/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>K\u1ecbch b\u1ea3n<\/th>\n<th>T\u1ef7 l\u1ec7 chi tr\u1ea3 2025-2026<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c d\u1ef1 ki\u1ebfn<\/th>\n<th>X\u00e1c su\u1ea5t (Ph\u00e2n t\u00edch Bayes)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B\u1ea3o th\u1ee7<\/td>\n<td>35-38%<\/td>\n<td>3.8-4.2%<\/td>\n<td>25%<\/td>\n<\/tr>\n<tr>\n<td>C\u01a1 b\u1ea3n<\/td>\n<td>40-43%<\/td>\n<td>4.5-5.0%<\/td>\n<td>55%<\/td>\n<\/tr>\n<tr>\n<td>L\u1ea1c quan<\/td>\n<td>45-48%<\/td>\n<td>5.3-5.8%<\/td>\n<td>20%<\/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'>M\u1ed9t quan \u0111i\u1ec3m ng\u01b0\u1ee3c l\u1ea1i nh\u01b0ng c\u00f3 c\u01a1 s\u1edf l\u00e0 kh\u1ea3 n\u0103ng Ita\u00fa \u00e1p d\u1ee5ng t\u1ef7 l\u1ec7 chi tr\u1ea3 g\u1ea7n 50-55% v\u00e0o n\u0103m 2027. K\u1ecbch b\u1ea3n n\u00e0y, \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi c\u00e1c nh\u00e0 ph\u00e2n t\u00edch thi\u1ec3u s\u1ed1 nh\u01b0ng c\u00f3 l\u1eadp lu\u1eadn v\u1eefng ch\u1eafc, d\u1ef1a tr\u00ean s\u1ef1 tr\u01b0\u1edfng th\u00e0nh c\u1ee7a c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 k\u1ef9 thu\u1eadt s\u1ed1, h\u1ee3p nh\u1ea5t ng\u00e0nh sau l\u00e0n s\u00f3ng fintech, v\u00e0 nhu c\u1ea7u duy tr\u00ec s\u1ef1 h\u1ea5p d\u1eabn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trong m\u00f4i tr\u01b0\u1eddng l\u00e3i su\u1ea5t b\u00ecnh th\u01b0\u1eddng h\u00f3a. Vi\u1ec7c tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh mua l\u1ea1i c\u1ed5 phi\u1ebfu \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng 10 n\u0103m 2024 (5,5 t\u1ef7 R$) c\u1ee7ng c\u1ed1 kh\u1ea3 n\u0103ng n\u00e0y.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch so s\u00e1nh: Ita\u00fa so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf c\u1ed5 t\u1ee9c tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ea7y \u0111\u1ee7 ti\u1ec1m n\u0103ng c\u1ee7a c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau, ch\u00fang t\u00f4i so s\u00e1nh hi\u1ec7u su\u1ea5t c\u1ee7a ch\u00fang v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf ph\u1ed5 bi\u1ebfn t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c kh\u00e1c tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil. Ph\u00e2n t\u00edch n\u00e0y gi\u00fap \u0111\u1ecbnh h\u00ecnh h\u1ed3 s\u01a1 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u01b0\u01a1ng \u0111\u1ed1i.<\/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\u00e0i s\u1ea3n<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh (5 n\u0103m)<\/th>\n<th>T\u00ednh nh\u1ea5t qu\u00e1n (\u0110\u1ed9 l\u1ec7ch chu\u1ea9n)<\/th>\n<th>T\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c h\u00e0ng n\u0103m<\/th>\n<th>T\u01b0\u01a1ng quan v\u1edbi l\u1ea1m ph\u00e1t<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ita\u00fa (ITUB4)<\/td>\n<td>4.2%<\/td>\n<td>0.7% (Cao)<\/td>\n<td>9.3%<\/td>\n<td>0.62 (Trung b\u00ecnh)<\/td>\n<\/tr>\n<tr>\n<td>Bradesco (BBDC4)<\/td>\n<td>3.8%<\/td>\n<td>1.2% (Trung b\u00ecnh)<\/td>\n<td>7.6%<\/td>\n<td>0.58 (Trung b\u00ecnh)<\/td>\n<\/tr>\n<tr>\n<td>Taesa (TAEE11)<\/td>\n<td>7.5%<\/td>\n<td>0.9% (Cao)<\/td>\n<td>4.2%<\/td>\n<td>0.89 (Cao)<\/td>\n<\/tr>\n<tr>\n<td>Petrobras (PETR4)<\/td>\n<td>10.2%<\/td>\n<td>4.8% (Th\u1ea5p)<\/td>\n<td>Bi\u1ebfn \u0111\u1ed9ng<\/td>\n<td>0.32 (Th\u1ea5p)<\/td>\n<\/tr>\n<tr>\n<td>Brick REITs<\/td>\n<td>6.5%<\/td>\n<td>1.1% (Trung b\u00ecnh)<\/td>\n<td>3.8%<\/td>\n<td>0.91 (Cao)<\/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'>Trong v\u0169 tr\u1ee5 ng\u00e2n h\u00e0ng, Ita\u00fa duy tr\u00ec l\u1ee3i th\u1ebf 0,4% trong l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh so v\u1edbi Bradesco v\u00e0 0,7% so v\u1edbi Santander Brasil. Quan tr\u1ecdng h\u01a1n l\u1ee3i su\u1ea5t danh ngh\u0129a l\u00e0 t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 t\u0103ng tr\u01b0\u1edfng c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n &#8211; Ita\u00fa th\u1ec3 hi\u1ec7n s\u1ef1 bi\u1ebfn \u0111\u1ed9ng th\u1ea5p h\u01a1n (\u0111\u1ed9 l\u1ec7ch chu\u1ea9n 0,7%) v\u00e0 t\u1ef7 l\u1ec7 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m cao h\u01a1n (9,3%).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So v\u1edbi c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft nh\u01b0 n\u0103ng l\u01b0\u1ee3ng (Taesa) v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n, Ita\u00fa cung c\u1ea5p l\u1ee3i su\u1ea5t th\u1ea5p h\u01a1n nh\u01b0ng t\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c v\u01b0\u1ee3t tr\u1ed9i. \u0110\u1eb7c \u0111i\u1ec3m n\u00e0y l\u00e0m cho n\u00f3 ph\u00f9 h\u1ee3p h\u01a1n cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 t\u1ea7m nh\u00ecn v\u01b0\u1ee3t qu\u00e1 5 n\u0103m, nh\u1eefng ng\u01b0\u1eddi \u01b0u ti\u00ean b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i l\u1ea1m ph\u00e1t d\u00e0i h\u1ea1n. Ng\u01b0\u1eddi d\u00f9ng Pocket Option c\u00f3 h\u1ed3 s\u01a1 t\u1ea5n c\u00f4ng c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p v\u1ecb th\u1ebf trong Ita\u00fa (t\u0103ng tr\u01b0\u1edfng) v\u1edbi Taesa (l\u1ee3i su\u1ea5t hi\u1ec7n t\u1ea1i) \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a h\u1ed3 s\u01a1 th\u1eddi gian c\u1ee7a thu nh\u1eadp.<\/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<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: X\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng v\u1edbi c\u1ed5 t\u1ee9c Ita\u00fa<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u01b0u ti\u00ean cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil t\u00ecm ki\u1ebfm x\u00e2y d\u1ef1ng thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng t\u0103ng tr\u01b0\u1edfng v\u1edbi b\u1ea3o v\u1ec7 l\u1ea1m ph\u00e1t. S\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ea1nh tranh (4,2%), t\u0103ng tr\u01b0\u1edfng nh\u1ea5t qu\u00e1n (9,3% m\u1ed7i n\u0103m), v\u00e0 s\u1ef1 v\u1eefng ch\u1eafc t\u00e0i ch\u00ednh (ROE 21,3%) \u0111\u1ecbnh v\u1ecb ng\u00e2n h\u00e0ng nh\u01b0 m\u1ed9t th\u00e0nh ph\u1ea7n chi\u1ebfn l\u01b0\u1ee3c trong c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a k\u1ebft qu\u1ea3 trong kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y, ch\u00fang t\u00f4i khuy\u1ebfn ngh\u1ecb m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn c\u00f3 h\u1ec7 th\u1ed1ng:<\/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'>\u0110\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng th\u01b0\u1eddng xuy\u00ean b\u1ea5t k\u1ec3 \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng (25% t\u1ed5ng ph\u00e2n b\u1ed5)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Mua chi\u1ebfn thu\u1eadt b\u1ed5 sung trong c\u00e1c \u0111\u1ee3t \u0111i\u1ec1u ch\u1ec9nh v\u01b0\u1ee3t qu\u00e1 10% (50% ph\u00e2n b\u1ed5)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>D\u1ef1 tr\u1eef chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c \u0111\u1ee3t gi\u1ea3m m\u1ea1nh tr\u00ean 20% (25% ph\u00e2n b\u1ed5)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>T\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng 100% c\u1ed5 t\u1ee9c trong giai \u0111o\u1ea1n t\u00edch l\u0169y<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>\u0110a d\u1ea1ng h\u00f3a v\u1edbi c\u00e1c nh\u00e0 tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00e1c c\u00f3 t\u01b0\u01a1ng quan th\u1ea5p (ti\u1ec7n \u00edch, vi\u1ec5n th\u00f4ng)<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option \u0111\u00e3 ph\u00e1t tri\u1ec3n c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ed9c quy\u1ec1n \u0111\u1ec3 th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, bao g\u1ed3m h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o cho c\u00e1c ng\u00e0y ex-dividend, m\u00e1y t\u00ednh d\u1ef1 b\u00e1o c\u1ed5 t\u1ee9c v\u1edbi m\u00f4 ph\u1ecfng t\u00e1i \u0111\u1ea7u t\u01b0, v\u00e0 ph\u00e2n t\u00edch so s\u00e1nh l\u1ee3i su\u1ea5t \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro. Kho v\u0169 kh\u00ed c\u00f4ng ngh\u1ec7 n\u00e0y cho ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c tr\u01b0\u1edbc \u0111\u00e2y ch\u1ec9 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn b\u1edfi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ed5 ch\u1ee9c.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng c\u1ee7a Itau \u0111\u00f2i h\u1ecfi k\u1ef7 lu\u1eadt v\u00e0 m\u1ed9t quan \u0111i\u1ec3m d\u00e0i h\u1ea1n, nh\u01b0ng k\u1ebft qu\u1ea3 l\u1ecbch s\u1eed ch\u1ee9ng minh hi\u1ec7u qu\u1ea3 c\u1ee7a ch\u00fang nh\u01b0 m\u1ed9t \u0111\u1ed9ng c\u01a1 t\u0103ng tr\u01b0\u1edfng t\u00e0i s\u1ea3n b\u1ec1n v\u1eefng. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi Brazil coi tr\u1ecdng t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i s\u1ef1 m\u1ea5t gi\u00e1 ti\u1ec1n t\u1ec7, \u00edt c\u00f3 l\u1ef1a ch\u1ecdn thay th\u1ebf n\u00e0o k\u1ebft h\u1ee3p hi\u1ec7u qu\u1ea3 gi\u1eefa an to\u00e0n v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng nh\u01b0 c\u1ed5 phi\u1ebfu c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn nh\u1ea5t qu\u1ed1c gia, v\u1edbi h\u00e0nh tr\u00ecnh thanh to\u00e1n kh\u00f4ng gi\u00e1n \u0111o\u1ea1n t\u1eeb n\u0103m 1994.<\/p>\n<\/div>\n"},"faq":[{"question":"T\u1ea7n su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa l\u00e0 g\u00ec?","answer":"Ita\u00fa kh\u00f4ng duy tr\u00ec c\u1ed5 t\u1ee9c c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng, nh\u01b0ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n ph\u1ed1i c\u1ee7a n\u00f3 k\u1ebft h\u1ee3p c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng qu\u00fd th\u01b0\u1eddng xuy\u00ean v\u1edbi L\u00e3i tr\u00ean V\u1ed1n hai th\u00e1ng m\u1ed9t l\u1ea7n v\u00e0 c\u1ed5 t\u1ee9c b\u1ea5t th\u01b0\u1eddng n\u1eeda n\u0103m m\u1ed9t l\u1ea7n, t\u1ea1o ra d\u00f2ng ti\u1ec1n g\u1ea7n nh\u01b0 h\u00e0ng th\u00e1ng. N\u0103m 2024, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n 9 kho\u1ea3n thanh to\u00e1n kh\u00e1c nhau, d\u1eabn \u0111\u1ebfn trung b\u00ecnh m\u1ed9t kho\u1ea3n thanh to\u00e1n m\u1ed7i 40 ng\u00e0y."},{"question":"C\u00e1ch th\u1ee9c \u0111\u00e1nh thu\u1ebf c\u1ed5 t\u1ee9c v\u00e0 L\u00e3i tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a Ita\u00fa ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf thu nh\u1eadp \u1edf Brazil. Tuy nhi\u00ean, L\u00e3i tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (JCP) ph\u1ea3i ch\u1ecbu thu\u1ebf kh\u1ea5u tr\u1eeb 15% t\u1ea1i ngu\u1ed3n, nh\u01b0ng s\u1ed1 ti\u1ec1n b\u1ecb kh\u1ea5u tr\u1eeb c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb trong khai b\u00e1o thu\u1ebf h\u00e0ng n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n l\u1ed7 trong thu nh\u1eadp bi\u1ebfn \u0111\u1ed5i. L\u1ee3i nhu\u1eadn v\u1ed1n t\u1eeb vi\u1ec7c b\u00e1n c\u1ed5 phi\u1ebfu b\u1ecb \u0111\u00e1nh thu\u1ebf t\u1eeb 15% \u0111\u1ebfn 22,5%, v\u1edbi mi\u1ec5n thu\u1ebf cho c\u00e1c giao d\u1ecbch h\u00e0ng th\u00e1ng l\u00ean \u0111\u1ebfn R$20,000."},{"question":"N\u1ec1n t\u1ea3ng Pocket Option h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Ita\u00fa nh\u01b0 th\u1ebf n\u00e0o?","answer":"Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 chuy\u00ean bi\u1ec7t cho c\u1ed5 t\u1ee9c, bao g\u1ed3m: h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o cho c\u00e1c ng\u00e0y giao d\u1ecbch kh\u00f4ng h\u01b0\u1edfng quy\u1ec1n, t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng theo l\u1ecbch tr\u00ecnh, m\u00e1y t\u00ednh d\u1ef1 b\u00e1o thu nh\u1eadp v\u1edbi m\u00f4 ph\u1ecfng k\u1ecbch b\u1ea3n, ph\u00e2n t\u00edch l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro, v\u00e0 quy\u1ec1n truy c\u1eadp v\u00e0o nghi\u00ean c\u1ee9u \u0111\u1ed9c quy\u1ec1n v\u1ec1 tri\u1ec3n v\u1ecdng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Brazil."},{"question":"L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa so s\u00e1nh nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u01b0\u01a1ng t\u1ef1 kh\u00e1c?","answer":"V\u1edbi l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% trong n\u0103m n\u0103m qua, Ita\u00fa v\u01b0\u1ee3t tr\u1ed9i h\u01a1n Bradesco (3,8%) v\u00e0 Santander Brasil (3,5%), nh\u01b0ng th\u1ea5p h\u01a1n c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft nh\u01b0 ti\u1ec7n \u00edch \u0111i\u1ec7n (7,5%) v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (6,5%). S\u1ef1 kh\u00e1c bi\u1ec7t n\u1eb1m \u1edf s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa l\u1ee3i su\u1ea5t c\u1ea1nh tranh v\u1edbi t\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c h\u00e0ng n\u0103m 9,3%, v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1ea7u h\u1ebft c\u00e1c l\u1ef1a ch\u1ecdn thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil."},{"question":"Nh\u1eefng r\u1ee7i ro ch\u00ednh c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa trong nh\u1eefng n\u0103m t\u1edbi l\u00e0 g\u00ec?","answer":"C\u00e1c r\u1ee7i ro ch\u00ednh bao g\u1ed3m: \u0111\u1ec1 xu\u1ea5t thu\u1ebf 15% tr\u00ean c\u1ed5 t\u1ee9c \u0111ang \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn t\u1ea1i Qu\u1ed1c h\u1ed9i t\u1eeb n\u0103m 2023 (c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n v\u00e0o n\u0103m 2026), s\u1ef1 gia t\u0103ng c\u1ea1nh tranh k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0m gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn (gi\u1ea3m 1,7% trong m\u1ee9c ch\u00eanh l\u1ec7ch trung b\u00ecnh k\u1ec3 t\u1eeb n\u0103m 2019), kh\u1ea3 n\u0103ng suy gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t cao li\u00ean t\u1ee5c, v\u00e0 nh\u1eefng b\u1ea5t \u0111\u1ecbnh v\u1ec1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n Hi\u1ec7p \u0111\u1ecbnh Basel IV t\u1ea1i Brazil."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"T\u1ea7n su\u1ea5t th\u1ef1c t\u1ebf c\u1ee7a c\u00e1c kho\u1ea3n thanh to\u00e1n c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa l\u00e0 g\u00ec?","answer":"Ita\u00fa kh\u00f4ng duy tr\u00ec c\u1ed5 t\u1ee9c c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng, nh\u01b0ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n ph\u1ed1i c\u1ee7a n\u00f3 k\u1ebft h\u1ee3p c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng qu\u00fd th\u01b0\u1eddng xuy\u00ean v\u1edbi L\u00e3i tr\u00ean V\u1ed1n hai th\u00e1ng m\u1ed9t l\u1ea7n v\u00e0 c\u1ed5 t\u1ee9c b\u1ea5t th\u01b0\u1eddng n\u1eeda n\u0103m m\u1ed9t l\u1ea7n, t\u1ea1o ra d\u00f2ng ti\u1ec1n g\u1ea7n nh\u01b0 h\u00e0ng th\u00e1ng. N\u0103m 2024, ng\u00e2n h\u00e0ng \u0111\u00e3 th\u1ef1c hi\u1ec7n 9 kho\u1ea3n thanh to\u00e1n kh\u00e1c nhau, d\u1eabn \u0111\u1ebfn trung b\u00ecnh m\u1ed9t kho\u1ea3n thanh to\u00e1n m\u1ed7i 40 ng\u00e0y."},{"question":"C\u00e1ch th\u1ee9c \u0111\u00e1nh thu\u1ebf c\u1ed5 t\u1ee9c v\u00e0 L\u00e3i tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a Ita\u00fa ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?","answer":"C\u1ed5 t\u1ee9c truy\u1ec1n th\u1ed1ng ho\u00e0n to\u00e0n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf thu nh\u1eadp \u1edf Brazil. Tuy nhi\u00ean, L\u00e3i tr\u00ean V\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (JCP) ph\u1ea3i ch\u1ecbu thu\u1ebf kh\u1ea5u tr\u1eeb 15% t\u1ea1i ngu\u1ed3n, nh\u01b0ng s\u1ed1 ti\u1ec1n b\u1ecb kh\u1ea5u tr\u1eeb c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u00f9 tr\u1eeb trong khai b\u00e1o thu\u1ebf h\u00e0ng n\u0103m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n l\u1ed7 trong thu nh\u1eadp bi\u1ebfn \u0111\u1ed5i. L\u1ee3i nhu\u1eadn v\u1ed1n t\u1eeb vi\u1ec7c b\u00e1n c\u1ed5 phi\u1ebfu b\u1ecb \u0111\u00e1nh thu\u1ebf t\u1eeb 15% \u0111\u1ebfn 22,5%, v\u1edbi mi\u1ec5n thu\u1ebf cho c\u00e1c giao d\u1ecbch h\u00e0ng th\u00e1ng l\u00ean \u0111\u1ebfn R$20,000."},{"question":"N\u1ec1n t\u1ea3ng Pocket Option h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Ita\u00fa nh\u01b0 th\u1ebf n\u00e0o?","answer":"Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 chuy\u00ean bi\u1ec7t cho c\u1ed5 t\u1ee9c, bao g\u1ed3m: h\u1ec7 th\u1ed1ng c\u1ea3nh b\u00e1o cho c\u00e1c ng\u00e0y giao d\u1ecbch kh\u00f4ng h\u01b0\u1edfng quy\u1ec1n, t\u00e1i \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng theo l\u1ecbch tr\u00ecnh, m\u00e1y t\u00ednh d\u1ef1 b\u00e1o thu nh\u1eadp v\u1edbi m\u00f4 ph\u1ecfng k\u1ecbch b\u1ea3n, ph\u00e2n t\u00edch l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh r\u1ee7i ro, v\u00e0 quy\u1ec1n truy c\u1eadp v\u00e0o nghi\u00ean c\u1ee9u \u0111\u1ed9c quy\u1ec1n v\u1ec1 tri\u1ec3n v\u1ecdng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng Brazil."},{"question":"L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa so s\u00e1nh nh\u01b0 th\u1ebf n\u00e0o v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u01b0\u01a1ng t\u1ef1 kh\u00e1c?","answer":"V\u1edbi l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c trung b\u00ecnh 4,2% trong n\u0103m n\u0103m qua, Ita\u00fa v\u01b0\u1ee3t tr\u1ed9i h\u01a1n Bradesco (3,8%) v\u00e0 Santander Brasil (3,5%), nh\u01b0ng th\u1ea5p h\u01a1n c\u00e1c ng\u00e0nh \u0111\u01b0\u1ee3c \u0111i\u1ec1u ti\u1ebft nh\u01b0 ti\u1ec7n \u00edch \u0111i\u1ec7n (7,5%) v\u00e0 qu\u1ef9 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (6,5%). S\u1ef1 kh\u00e1c bi\u1ec7t n\u1eb1m \u1edf s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa l\u1ee3i su\u1ea5t c\u1ea1nh tranh v\u1edbi t\u0103ng tr\u01b0\u1edfng c\u1ed5 t\u1ee9c h\u00e0ng n\u0103m 9,3%, v\u01b0\u1ee3t tr\u1ed9i h\u01a1n h\u1ea7u h\u1ebft c\u00e1c l\u1ef1a ch\u1ecdn thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil."},{"question":"Nh\u1eefng r\u1ee7i ro ch\u00ednh c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u1ed5 t\u1ee9c c\u1ee7a Ita\u00fa trong nh\u1eefng n\u0103m t\u1edbi l\u00e0 g\u00ec?","answer":"C\u00e1c r\u1ee7i ro ch\u00ednh bao g\u1ed3m: \u0111\u1ec1 xu\u1ea5t thu\u1ebf 15% tr\u00ean c\u1ed5 t\u1ee9c \u0111ang \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn t\u1ea1i Qu\u1ed1c h\u1ed9i t\u1eeb n\u0103m 2023 (c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n v\u00e0o n\u0103m 2026), s\u1ef1 gia t\u0103ng c\u1ea1nh tranh k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0m gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn (gi\u1ea3m 1,7% trong m\u1ee9c ch\u00eanh l\u1ec7ch trung b\u00ecnh k\u1ec3 t\u1eeb n\u0103m 2019), kh\u1ea3 n\u0103ng suy gi\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng trong b\u1ed1i c\u1ea3nh l\u00e3i su\u1ea5t cao li\u00ean t\u1ee5c, v\u00e0 nh\u1eefng b\u1ea5t \u0111\u1ecbnh v\u1ec1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n Hi\u1ec7p \u0111\u1ecbnh Basel IV t\u1ea1i Brazil."}]}},"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\u1ed5 phi\u1ebfu c\u1ed5 t\u1ee9c Itau: Chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ed9c quy\u1ec1n \u0111\u1ec3 nh\u00e2n thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng c\u1ee7a b\u1ea1n t\u1ea1i Brazil<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/itau-stocks-dividends\/\" \/>\n<meta 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