{"id":319464,"date":"2025-07-22T15:08:26","date_gmt":"2025-07-22T15:08:26","guid":{"rendered":"https:\/\/pocketoption.com\/blog\/news-events\/data\/it-is-worth-buying-bradesco-stocks-2\/"},"modified":"2025-07-22T15:08:26","modified_gmt":"2025-07-22T15:08:26","slug":"it-is-worth-buying-bradesco-stocks","status":"publish","type":"post","link":"https:\/\/pocketoption.com\/blog\/vt\/knowledge-base\/trading\/it-is-worth-buying-bradesco-stocks\/","title":{"rendered":"C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco: 5 y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 t\u1ea1o ra l\u1ee3i nhu\u1eadn 18% v\u00e0o n\u0103m 2024"},"content":{"rendered":"<div id=\"root\"><div id=\"wrap-img-root\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":300718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[46,28,30,45,44],"class_list":["post-319464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trading","tag-how","tag-investment","tag-leverage","tag-stock","tag-strategy"],"acf":{"h1":"Pocket Option ph\u00e2n t\u00edch: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco kh\u00f4ng?","h1_source":{"label":"H1","type":"text","formatted_value":"Pocket Option ph\u00e2n t\u00edch: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco kh\u00f4ng?"},"description":"C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco kh\u00f4ng? Kh\u00e1m ph\u00e1 c\u00e1c ph\u00e2n t\u00edch c\u1eadp nh\u1eadt, tri\u1ec3n v\u1ecdng t\u0103ng gi\u00e1 v\u00e0 r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng quan tr\u1ecdng n\u00e0y c\u1ee7a Brazil v\u1edbi Pocket Option.","description_source":{"label":"Description","type":"textarea","formatted_value":"C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco kh\u00f4ng? Kh\u00e1m ph\u00e1 c\u00e1c ph\u00e2n t\u00edch c\u1eadp nh\u1eadt, tri\u1ec3n v\u1ecdng t\u0103ng gi\u00e1 v\u00e0 r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng quan tr\u1ecdng n\u00e0y c\u1ee7a Brazil v\u1edbi Pocket Option."},"intro":"\u0110\u1ea7u t\u01b0 v\u00e0o ng\u00e0nh ng\u00e2n h\u00e0ng Brazil lu\u00f4n l\u00e0 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e2n nh\u1eafc, v\u00e0 Bradesco, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai trong n\u01b0\u1edbc, th\u01b0\u1eddng xuy\u00ean xu\u1ea5t hi\u1ec7n tr\u00ean radar. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd ph\u00e2n t\u00edch s\u00e2u xem li\u1ec7u c\u00f3 \u0111\u00e1ng mua c\u1ed5 phi\u1ebfu Bradesco trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i hay kh\u00f4ng, xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, tri\u1ec3n v\u1ecdng v\u00e0 r\u1ee7i ro \u0111\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh h\u01a1n.","intro_source":{"label":"Intro","type":"text","formatted_value":"\u0110\u1ea7u t\u01b0 v\u00e0o ng\u00e0nh ng\u00e2n h\u00e0ng Brazil lu\u00f4n l\u00e0 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e2n nh\u1eafc, v\u00e0 Bradesco, v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai trong n\u01b0\u1edbc, th\u01b0\u1eddng xuy\u00ean xu\u1ea5t hi\u1ec7n tr\u00ean radar. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd ph\u00e2n t\u00edch s\u00e2u xem li\u1ec7u c\u00f3 \u0111\u00e1ng mua c\u1ed5 phi\u1ebfu Bradesco trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i hay kh\u00f4ng, xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, tri\u1ec3n v\u1ecdng v\u00e0 r\u1ee7i ro \u0111\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh h\u01a1n."},"body_html":"<div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>B\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil n\u0103m 2024: Chuy\u1ec3n \u0111\u1ed5i t\u0103ng t\u1ed1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ng\u00e0nh ng\u00e2n h\u00e0ng Brazil kh\u00f4ng c\u00f2n nh\u01b0 n\u0103m n\u0103m tr\u01b0\u1edbc. S\u1ed1 h\u00f3a kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng, m\u00e0 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, v\u1edbi 68% giao d\u1ecbch ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1. Trong b\u1ed1i c\u1ea3nh m\u1edbi n\u00e0y, vi\u1ec7c c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e2u h\u1ecfi chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai c\u1ee7a Brazil, chi\u1ebfm 8,2% ch\u1ec9 s\u1ed1 Ibovespa v\u1edbi thanh kho\u1ea3n trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 450 tri\u1ec7u R$.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u00e0o th\u00e1ng 4 n\u0103m 2024, b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil tr\u00ecnh b\u00e0y c\u00e1c \u0111\u01b0\u1eddng n\u00e9t c\u1ee5 th\u1ec3: l\u00e3i su\u1ea5t Selic \u1edf m\u1ee9c 10,75% sau m\u1ed9t chu k\u1ef3 t\u0103ng li\u00ean ti\u1ebfp 12 l\u1ea7n, l\u1ea1m ph\u00e1t dai d\u1eb3ng \u1edf m\u1ee9c 4,2% m\u1ed7i n\u0103m v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf d\u1ef1 ki\u1ebfn l\u00e0 2,3% cho n\u0103m 2024. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Bradesco \u0111\u00e3 th\u1ef1c hi\u1ec7n ba chi\u1ebfn l\u01b0\u1ee3c ch\u00ednh \u0111\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi m\u00f4i tr\u01b0\u1eddng n\u00e0y: gi\u1ea3m 12% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd c\u1ee7a m\u00ecnh (428 chi nh\u00e1nh \u0111\u00e3 \u0111\u00f3ng c\u1eeda t\u1eeb n\u0103m 2022), t\u0103ng 36% \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd trong ph\u00e2n kh\u00fac cho vay tr\u1ea3 l\u01b0\u01a1ng (+18% trong 12 th\u00e1ng).<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ch\u1ee5p X-quang t\u00e0i ch\u00ednh c\u1ee7a Bradesco: Nh\u1eefng con s\u1ed1 ti\u1ebft l\u1ed9 xu h\u01b0\u1edbng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh g\u1ea7n \u0111\u00e2y c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh r\u00f5 r\u00e0ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco trong th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i hay kh\u00f4ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1<\/th><th>2023<\/th><th>2024 (c\u00f4ng b\u1ed1 m\u1edbi nh\u1ea5t)<\/th><th>Bi\u1ebfn \u0111\u1ed9ng (%)<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean c\u1ed5 phi\u1ebfu<\/th><\/tr><\/thead><tbody><tr><td>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/td><td>21.1<\/td><td>22.4<\/td><td>+6.2%<\/td><td>T\u00edch c\u1ef1c - t\u0103ng tr\u01b0\u1edfng tr\u00ean l\u1ea1m ph\u00e1t<\/td><\/tr><tr><td>ROE (%)<\/td><td>16.8<\/td><td>17.2<\/td><td>+0.4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>Trung b\u00ecnh - c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn<\/td><\/tr><tr><td>D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng (t\u1ef7 R$)<\/td><td>1.08<\/td><td>1.14<\/td><td>+5.6%<\/td><td>T\u00edch c\u1ef1c - m\u1edf r\u1ed9ng b\u1ec1n v\u1eefng<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 (%)<\/td><td>43.4<\/td><td>41.8<\/td><td>-1.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>R\u1ea5t t\u00edch c\u1ef1c - ti\u1ebft ki\u1ec7m 1,8 t\u1ef7 R$ chi ph\u00ed<\/td><\/tr><tr><td>N\u1ee3 qu\u00e1 h\u1ea1n +90 ng\u00e0y (%)<\/td><td>4.8<\/td><td>4.2<\/td><td>-0.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>R\u1ea5t t\u00edch c\u1ef1c - gi\u1ea3m 850 tri\u1ec7u R$ d\u1ef1 ph\u00f2ng<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng con s\u1ed1 n\u00e0y cho th\u1ea5y m\u1ed9t ng\u00e2n h\u00e0ng \u0111ang ph\u1ee5c h\u1ed3i sau ba n\u0103m kh\u00f3 kh\u0103n 2020-2022. C\u1ea3i thi\u1ec7n 0,6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 850 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn. T\u0103ng tr\u01b0\u1edfng 5,6% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng \u00edt r\u1ee7i ro h\u01a1n (b\u1ea5t \u0111\u1ed9ng s\u1ea3n +14% v\u00e0 cho vay tr\u1ea3 l\u01b0\u01a1ng +18%), ti\u1ebft l\u1ed9 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u00f3 t\u00ednh to\u00e1n v\u1edbi ki\u1ec3m so\u00e1t r\u1ee7i ro.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Bradesco so v\u1edbi \u0111\u1ed1i th\u1ee7: Ai d\u1eabn \u0111\u1ea7u n\u0103m 2024?<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t Bradesco v\u00e0o b\u1ed1i c\u1ea3nh, ch\u00fang t\u00f4i \u0111\u00e3 so s\u00e1nh c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 ch\u00ednh c\u1ee7a n\u00f3 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2024:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ng\u00e2n h\u00e0ng<\/th><th>ROE (%)<\/th><th>T\u1ef7 l\u1ec7 P\/E<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c (%)<\/th><th>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m (%)<\/th><\/tr><\/thead><tbody><tr><td>Bradesco<\/td><td>17.2<\/td><td>6.8<\/td><td>5.4<\/td><td>6.2<\/td><\/tr><tr><td>Ita\u00fa Unibanco<\/td><td>19.8<\/td><td>7.5<\/td><td>5.1<\/td><td>8.7<\/td><\/tr><tr><td>Santander Brasil<\/td><td>15.9<\/td><td>6.2<\/td><td>4.9<\/td><td>3.5<\/td><\/tr><tr><td>Banco do Brasil<\/td><td>21.2<\/td><td>4.3<\/td><td>7.8<\/td><td>10.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So s\u00e1nh n\u00e0y cho th\u1ea5y Bradesco \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba v\u1ec1 l\u1ee3i nhu\u1eadn trong s\u1ed1 b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Brazil. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a n\u00f3 l\u00e0 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua) v\u01b0\u1ee3t qu\u00e1 m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 4,8%, \u0111\u1ea1i di\u1ec7n cho l\u1ee3i nhu\u1eadn cao h\u01a1n 51% so v\u1edbi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i v\u00e0 26% tr\u00ean Selic Kho b\u1ea1c. Pocket Option nh\u1ea5n m\u1ea1nh l\u1ee3i su\u1ea5t n\u00e0y l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u1ea1nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu Bradesco: \u0110i\u1ec3m v\u00e0o v\u00e0 ra \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4) v\u00e0 ph\u1ed5 th\u00f4ng (BBDC3) c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u1ed1t nh\u1ea5t.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong 12 th\u00e1ng qua, BBDC4 \u0111\u00e3 h\u00ecnh th\u00e0nh m\u1ed9t k\u00eanh ngang r\u00f5 r\u00e0ng, dao \u0111\u1ed9ng gi\u1eefa 13,80 R$ v\u00e0 16,50 R$. Ph\u00e2n t\u00edch 90 ng\u00e0y qua ti\u1ebft l\u1ed9:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ed7 tr\u1ee3 ch\u00ednh \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n \u1edf m\u1ee9c 13,80-13,90 R$, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 68% so v\u1edbi trung b\u00ecnh \u1edf c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u1edf m\u1ee9c 16,50 R$, b\u1ecb t\u1eeb ch\u1ed1i hai l\u1ea7n v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng gi\u1ea3m (t\u00edn hi\u1ec7u t\u00edch c\u1ef1c)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y (Golden Cross), h\u00ecnh th\u00e0nh v\u00e0o ng\u00e0y 24\/03\/2024, b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng thay \u0111\u1ed5i xu h\u01b0\u1edbng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI (14) di chuy\u1ec3n t\u1eeb v\u00f9ng qu\u00e1 b\u00e1n (32) \u0111\u1ebfn trung l\u1eadp (45), cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n \u0111\u1ed9ng l\u01b0\u1ee3ng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho th\u1ea5y m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng thu\u1eadn l\u1ee3i \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco g\u1ea7n h\u1ed7 tr\u1ee3 13,90 R$, v\u1edbi \u0111i\u1ec3m d\u1eebng l\u1ed7 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u1edf m\u1ee9c 13,50 R$ (-2,9%) v\u00e0 m\u1ee5c ti\u00eau \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c 15,20 R$ (+9,3%), cung c\u1ea5p t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn l\u00e0 1:3,2. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb c\u00e1c m\u1ee5c nh\u1eadp ph\u00e2n \u0111o\u1ea1n \u1edf c\u00e1c m\u1ee9c 14,20 R$, 14,00 R$, v\u00e0 13,85 R$ \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro th\u1ef1c hi\u1ec7n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>M\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u00f3 x\u00e1c su\u1ea5t cao<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ba m\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u1ee5 th\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng di chuy\u1ec3n theo h\u01b0\u1edbng trong c\u1ed5 phi\u1ebfu Bradesco:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>M\u00f4 h\u00ecnh<\/th><th>H\u00e0m \u00fd<\/th><th>X\u00e1c su\u1ea5t th\u00e0nh c\u00f4ng l\u1ecbch s\u1eed<\/th><th>Ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1<\/th><\/tr><\/thead><tbody><tr><td>\u0110\u00e1y \u0111\u00f4i t\u1ea1i 13,85 R$<\/td><td>\u0110\u1ea3o chi\u1ec1u t\u1eeb xu h\u01b0\u1edbng gi\u1ea3m sang xu h\u01b0\u1edbng t\u0103ng trong 3-5 tu\u1ea7n<\/td><td>72% (d\u1ef1a tr\u00ean 8 m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 g\u1ea7n \u0111\u00e2y)<\/td><td>+12% \u0111\u1ebfn +18%<\/td><\/tr><tr><td>Tam gi\u00e1c \u0111\u1ed1i x\u1ee9ng (h\u1ed9i t\u1ee5 v\u00e0o 28\/04)<\/td><td>Ph\u00e1 v\u1ee1 theo h\u01b0\u1edbng v\u00e0o 15\/05<\/td><td>83% x\u00e1c su\u1ea5t t\u0103ng<\/td><td>+8% \u0111\u1ebfn +15%<\/td><\/tr><tr><td>H\u1ed7 tr\u1ee3 t\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y<\/td><td>Duy tr\u00ec xu h\u01b0\u1edbng d\u00e0i h\u1ea1n<\/td><td>91% hi\u1ec7u qu\u1ea3 trong 5 n\u0103m qua<\/td><td>+6% \u0111\u1ebfn +10% trong 30-45 ng\u00e0y<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco d\u1ef1a tr\u00ean c\u01a1 b\u1ea3n?<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n, ph\u00e2n t\u00edch c\u01a1 b\u1ea3n l\u00e0 quy\u1ebft \u0111\u1ecbnh. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee7a Bradesco v\u00e0o th\u00e1ng 4 n\u0103m 2024 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u c\u1ee5 th\u1ec3:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/E hi\u1ec7n t\u1ea1i l\u00e0 6,8x th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 8,5x, cho th\u1ea5y ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1 3,40 R$ m\u1ed7i c\u1ed5 phi\u1ebfu<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/B l\u00e0 1,2x \u0111\u1ea1i di\u1ec7n cho m\u1ee9c chi\u1ebft kh\u1ea5u 14,3% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 1,4x<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 5,4% t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua, v\u1edbi ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>ROE l\u00e0 17,2% v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed v\u1ed1n \u01b0\u1edbc t\u00ednh l\u00e0 14,8%, t\u1ea1o ra gi\u00e1 tr\u1ecb kinh t\u1ebf d\u01b0\u01a1ng 2,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y, \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch c\u00f9ng v\u1edbi tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn 7,8% cho n\u0103m 2024 (\u0111\u1ed3ng thu\u1eadn c\u1ee7a 14 nh\u00e0 ph\u00e2n t\u00edch), cho th\u1ea5y r\u1eb1ng vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u01a1 h\u1ed9i cho nh\u1eefng ng\u01b0\u1eddi t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil v\u1edbi m\u1ed9t bi\u00ean \u0111\u1ed9 an to\u00e0n kho\u1ea3ng 18% so v\u1edbi gi\u00e1 tr\u1ecb h\u1ee3p l\u00fd \u01b0\u1edbc t\u00ednh (17,80 R$).<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1<\/th><th>Bradesco<\/th><th>Trung b\u00ecnh ng\u00e0nh<\/th><th>Kh\u00e1c bi\u1ec7t (%)<\/th><th>Di\u1ec5n gi\u1ea3i cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/th><\/tr><\/thead><tbody><tr><td>P\/E<\/td><td>6.8x<\/td><td>7.2x<\/td><td>-5.6%<\/td><td>Chi\u1ebft kh\u1ea5u trung b\u00ecnh, ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1<\/td><\/tr><tr><td>P\/B<\/td><td>1.2x<\/td><td>1.4x<\/td><td>-14.3%<\/td><td>Chi\u1ebft kh\u1ea5u \u0111\u00e1ng k\u1ec3 so v\u1edbi v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu<\/td><\/tr><tr><td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/td><td>5.4%<\/td><td>4.8%<\/td><td>+12.5%<\/td><td>L\u1ee3i nhu\u1eadn v\u01b0\u1ee3t tr\u1ed9i t\u1eeb c\u1ed5 t\u1ee9c (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu\/n\u0103m)<\/td><\/tr><tr><td>ROE<\/td><td>17.2%<\/td><td>16.5%<\/td><td>+4.2%<\/td><td>Hi\u1ec7u qu\u1ea3 t\u1ea1o l\u1ee3i nhu\u1eadn h\u01a1i v\u01b0\u1ee3t tr\u1ed9i<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>5 tr\u1ee5 c\u1ed9t c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 Bradesco: K\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 \u0111\u00e1nh gi\u00e1 c\u00e1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a n\u00f3 \u0111ang t\u1ea1o ra k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3. Ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea7u t\u01b0 7,8 t\u1ef7 R$ v\u00e0o c\u00f4ng ngh\u1ec7 trong n\u0103m 2023 (t\u0103ng 36% so v\u1edbi n\u0103m 2021), t\u1eadp trung v\u00e0o n\u0103m s\u00e1ng ki\u1ebfn 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'>Next: ng\u00e2n h\u00e0ng s\u1ed1 v\u01b0\u1ee3t qua 12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng (t\u0103ng 41% trong 12 th\u00e1ng), v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 78% so v\u1edbi m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>BIA (Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o): x\u1eed l\u00fd 25 tri\u1ec7u t\u01b0\u01a1ng t\u00e1c h\u00e0ng th\u00e1ng, gi\u1ea3m th\u1eddi gian ph\u1ee5c v\u1ee5 trung b\u00ecnh 32% v\u00e0 ti\u1ebft ki\u1ec7m 235 tri\u1ec7u R$ chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Open Finance: ph\u00e1t tri\u1ec3n 47 API \u0111\u1ed9c quy\u1ec1n v\u1edbi 8,3 tri\u1ec7u s\u1ef1 \u0111\u1ed3ng \u00fd ho\u1ea1t \u0111\u1ed9ng, cho ph\u00e9p thu h\u00fat 325.000 kh\u00e1ch h\u00e0ng m\u1edbi qua h\u1ec7 sinh th\u00e1i m\u1edf<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>inovaBRA: ch\u01b0\u01a1ng tr\u00ecnh k\u1ebft n\u1ed1i ng\u00e2n h\u00e0ng v\u1edbi 352 startup, tri\u1ec3n khai 83 gi\u1ea3i ph\u00e1p t\u1ea1o ra 420 tri\u1ec7u R$ doanh thu m\u1edbi<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng: gi\u1ea3m th\u1eddi gian x\u1eed l\u00fd qua \u0111\u00eam 42% v\u00e0 c\u1eaft gi\u1ea3m 580 tri\u1ec7u R$ chi ph\u00ed h\u1ea1 t\u1ea7ng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Theo ph\u00e2n t\u00edch c\u1ee7a Pocket Option, s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y \u0111\u00e3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, v\u1edbi t\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n t\u1eeb 43,4% xu\u1ed1ng 41,8% trong 12 th\u00e1ng. M\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 1,1 t\u1ef7 R$ h\u00e0ng n\u0103m, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn v\u00e0, do \u0111\u00f3, ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 c\u1ee7a c\u1ed5 phi\u1ebfu.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>S\u00e1ng ki\u1ebfn s\u1ed1<\/th><th>\u0110\u1ea7u t\u01b0 (tri\u1ec7u R$)<\/th><th>K\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c<\/th><th>T\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh h\u00e0ng n\u0103m<\/th><\/tr><\/thead><tbody><tr><td>Next (ng\u00e2n h\u00e0ng s\u1ed1)<\/td><td>1,850<\/td><td>12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng (+41% y.o.y.)<\/td><td>620 tri\u1ec7u R$ doanh thu m\u1edbi<\/td><\/tr><tr><td>BIA (Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o)<\/td><td>980<\/td><td>25 tri\u1ec7u t\u01b0\u01a1ng t\u00e1c\/th\u00e1ng (-32% th\u1eddi gian ph\u1ee5c v\u1ee5)<\/td><td>Ti\u1ebft ki\u1ec7m 235 tri\u1ec7u R$<\/td><\/tr><tr><td>Open Finance<\/td><td>730<\/td><td>8,3 tri\u1ec7u s\u1ef1 \u0111\u1ed3ng \u00fd ho\u1ea1t \u0111\u1ed9ng<\/td><td>325.000 kh\u00e1ch h\u00e0ng m\u1edbi (180 tri\u1ec7u R$ doanh thu)<\/td><\/tr><tr><td>H\u1ee3p t\u00e1c v\u1edbi fintech<\/td><td>420<\/td><td>83 gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c tri\u1ec3n khai<\/td><td>420 tri\u1ec7u R$ doanh thu m\u1edbi<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>C\u00e1ch n\u1ec1n kinh t\u1ebf v\u0129 m\u00f4 Brazil t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn Bradesco<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang c\u00e2n nh\u1eafc mua c\u1ed5 phi\u1ebfu Bradesco, hi\u1ec3u r\u00f5 m\u1ed1i t\u01b0\u01a1ng quan ch\u00ednh x\u00e1c gi\u1eefa c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 hi\u1ec7u su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n:<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Hi\u1ec7u \u1ee9ng Selic l\u00ean bi\u00ean l\u1ee3i nhu\u1eadn c\u1ee7a Bradesco<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>L\u00e3i su\u1ea5t Selic, hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 10,75%, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ba th\u00e0nh ph\u1ea7n c\u1ee7a k\u1ebft qu\u1ea3 Bradesco. M\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong Selic \u0111\u1ea1i di\u1ec7n cho t\u00e1c \u0111\u1ed9ng kho\u1ea3ng 580 tri\u1ec7u R$ l\u00ean k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd, \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 nh\u01b0 sau:<\/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 l\u00e3i su\u1ea5t<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean Bi\u00ean l\u00e3i r\u00f2ng<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean N\u1ee3 qu\u00e1 h\u1ea1n<\/th><th>Hi\u1ec7u \u1ee9ng r\u00f2ng l\u00ean l\u1ee3i nhu\u1eadn<\/th><\/tr><\/thead><tbody><tr><td>Duy tr\u00ec Selic \u1edf m\u1ee9c 10,75%<\/td><td>\u1ed4n \u0111\u1ecbnh (+280 tri\u1ec7u R$\/qu\u00fd)<\/td><td>Gi\u1ea3m d\u1ea7n n\u1ee3 qu\u00e1 h\u1ea1n (-0,2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td><td>T\u00edch c\u1ef1c 420 tri\u1ec7u R$\/qu\u00fd<\/td><\/tr><tr><td>Gi\u1ea3m xu\u1ed1ng 9,25% v\u00e0o th\u00e1ng 12<\/td><td>\u00c1p l\u1ef1c ti\u00eau c\u1ef1c nh\u1eb9 (-150 tri\u1ec7u R$\/qu\u00fd)<\/td><td>T\u0103ng t\u1ed1c gi\u1ea3m n\u1ee3 qu\u00e1 h\u1ea1n (-0,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td><td>T\u00edch c\u1ef1c 580 tri\u1ec7u R$\/qu\u00fd<\/td><\/tr><tr><td>T\u0103ng l\u00ean 12,25% (k\u1ecbch b\u1ea3n c\u0103ng th\u1eb3ng)<\/td><td>M\u1edf r\u1ed9ng bi\u00ean m\u1ea1nh (+420 tri\u1ec7u R$\/qu\u00fd)<\/td><td>T\u0103ng n\u1ee3 qu\u00e1 h\u1ea1n (+0,3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td><td>Ti\u00eau c\u1ef1c 180 tri\u1ec7u R$\/qu\u00fd<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ngo\u00e0i l\u00e3i su\u1ea5t, ba y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 quan tr\u1ecdng kh\u00e1c \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ee7a Bradesco:<\/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 tr\u01b0\u1edfng GDP: m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u0103ng th\u00eam trong GDP Brazil theo l\u1ecbch s\u1eed chuy\u1ec3n th\u00e0nh m\u1edf r\u1ed9ng 2,7% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a Bradesco, th\u00eam kho\u1ea3ng 380 tri\u1ec7u R$ v\u00e0o l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ea1m ph\u00e1t: IPCA tr\u00ean 5% g\u00e2y \u00e1p l\u1ef1c l\u00ean chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng kho\u1ea3ng 220 tri\u1ec7u R$ m\u1ed7i qu\u00fd, gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u1ea5t nghi\u1ec7p: m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m gi\u1ea3m trong t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p c\u1ea3i thi\u1ec7n n\u1ee3 qu\u00e1 h\u1ea1n 0,18 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, ti\u1ebft ki\u1ec7m 260 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng h\u00e0ng n\u0103m<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Bradesco n\u0103m 2024<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>D\u1ef1a tr\u00ean c\u00e1c ph\u00e2n t\u00edch \u0111\u00e3 tr\u00ecnh b\u00e0y, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh b\u1ed1n chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u cho c\u00e1c h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau quan t\u00e2m \u0111\u1ebfn vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>H\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0<\/th><th>Chi\u1ebfn l\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb<\/th><th>Ph\u00e2n b\u1ed5 \u0111\u1ec1 xu\u1ea5t<\/th><th>L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng (12 th\u00e1ng)<\/th><\/tr><\/thead><tbody><tr><td>B\u1ea3o th\u1ee7<\/td><td>T\u00edch l\u0169y h\u00e0ng th\u00e1ng t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c: 1.000 R$ m\u1ed7i ng\u00e0y 15, b\u1ea5t k\u1ec3 gi\u00e1<\/td><td>3-5% t\u1ed5ng t\u00e0i s\u1ea3n<\/td><td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 8-12%<\/td><\/tr><tr><td>Trung b\u00ecnh<\/td><td>Mua ph\u00e2n \u0111o\u1ea1n t\u1ea1i c\u00e1c h\u1ed7 tr\u1ee3: 30% \u1edf m\u1ee9c 14,20 R$, 30% \u1edf m\u1ee9c 14,00 R$, v\u00e0 40% \u1edf m\u1ee9c 13,85 R$<\/td><td>5-10% t\u1ed5ng t\u00e0i s\u1ea3n<\/td><td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 15-20%<\/td><\/tr><tr><td>M\u1ea1o hi\u1ec3m<\/td><td>Mua c\u00f3 \u0111\u00f2n b\u1ea9y g\u1ea7n h\u1ed7 tr\u1ee3 ch\u00ednh v\u1edbi \u0111i\u1ec3m d\u1eebng d\u01b0\u1edbi 13,60 R$<\/td><td>10-15% t\u1ed5ng t\u00e0i s\u1ea3n<\/td><td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 20-25%<\/td><\/tr><tr><td>Giao d\u1ecbch<\/td><td>Giao d\u1ecbch xoay v\u00f2ng gi\u1eefa h\u1ed7 tr\u1ee3 (13,85 R$) v\u00e0 kh\u00e1ng c\u1ef1 \u0111\u1ea7u ti\u00ean (15,20 R$)<\/td><td>1-3% t\u00e0i s\u1ea3n m\u1ed7i giao d\u1ecbch<\/td><td>L\u1ee3i nhu\u1eadn 8-12% m\u1ed7i chu k\u1ef3 (\u01b0\u1edbc t\u00ednh 3-4 chu k\u1ef3\/n\u0103m)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u1ee5 th\u1ec3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, bao g\u1ed3m c\u1ea3nh b\u00e1o gi\u00e1 cho c\u00e1c m\u1ee9c ch\u00ednh \u0111\u00e3 \u0111\u1ec1 c\u1eadp, m\u00e1y t\u00ednh l\u1ee3i nhu\u1eadn v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c, v\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd ngay khi ch\u00fang \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n.<\/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 d\u00e0i h\u1ea1n, chi\u1ebfn l\u01b0\u1ee3c \u0111\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng theo l\u1ecbch tr\u00ecnh (1.000 R$\/th\u00e1ng trong 5 n\u0103m) v\u00e0o c\u1ed5 phi\u1ebfu Bradesco s\u1ebd d\u1eabn \u0111\u1ebfn t\u00e0i s\u1ea3n \u01b0\u1edbc t\u00ednh l\u00e0 83.450 R$ khi t\u00ednh c\u1ea3 c\u1ed5 t\u1ee9c t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh h\u00e0ng n\u0103m 11,2%, theo c\u00e1c d\u1ef1 b\u00e1o d\u1ef1a tr\u00ean hi\u1ec7u su\u1ea5t l\u1ecbch s\u1eed \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo c\u00e1c quan \u0111i\u1ec3m hi\u1ec7n t\u1ea1i.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>5 r\u1ee7i ro c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi Bradesco v\u00e0 c\u00e1ch ng\u00e2n h\u00e0ng gi\u1ea3m thi\u1ec3u ch\u00fang<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 hi\u1ec3u n\u0103m r\u1ee7i ro ch\u00ednh m\u00e0 t\u1ed5 ch\u1ee9c n\u00e0y ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u c\u1ee7a n\u00f3:<\/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'>C\u1ea1nh tranh s\u1ed1: Bradesco m\u1ea5t 2,1% c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng h\u00e0ng n\u0103m v\u00e0o tay c\u00e1c fintech, nh\u01b0ng \u0111\u00e3 thu h\u00fat 3,7% kh\u00e1ch h\u00e0ng m\u1edbi qua Next, d\u1eabn \u0111\u1ebfn c\u00e2n b\u1eb1ng d\u01b0\u01a1ng 1,6%<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u1ee3 qu\u00e1 h\u1ea1n ng\u00e0nh: Ti\u1ebfp x\u00fac 86 t\u1ef7 R$ v\u1edbi ng\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ea1i di\u1ec7n cho r\u1ee7i ro t\u1eadp trung, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u b\u1eb1ng c\u00e1ch y\u00eau c\u1ea7u tr\u1ea3 tr\u01b0\u1edbc 35% v\u00e0 b\u1ea3o \u0111\u1ea3m bao ph\u1ee7 142% gi\u00e1 tr\u1ecb kho\u1ea3n vay<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u00e9n ch\u00eanh l\u1ec7ch: Gi\u1ea3m 0,8 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong ch\u00eanh l\u1ec7ch trong 12 th\u00e1ng, \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp b\u1eb1ng t\u0103ng 12% kh\u1ed1i l\u01b0\u1ee3ng v\u00e0 gi\u1ea3m 8% chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ee9ng nh\u1eafc c\u1ea5u tr\u00fac: 78.000 nh\u00e2n vi\u00ean v\u00e0 2.850 chi nh\u00e1nh \u0111\u1ea1i di\u1ec7n cho chi ph\u00ed c\u1ed1 \u0111\u1ecbnh cao, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u m\u1ed9t ph\u1ea7n b\u1eb1ng c\u00e1ch \u0111\u00f3ng c\u1eeda 428 chi nh\u00e1nh t\u1eeb n\u0103m 2022 v\u00e0 s\u1ed1 h\u00f3a 64% quy tr\u00ecnh n\u1ed9i b\u1ed9<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ti\u1ebfp x\u00fac ti\u1ec1n t\u1ec7: 17% ho\u1ea1t \u0111\u1ed9ng qu\u1ed1c t\u1ebf t\u1ea1o ra bi\u1ebfn \u0111\u1ed9ng trong k\u1ebft qu\u1ea3, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u b\u1eb1ng ch\u00ednh s\u00e1ch ph\u00f2ng ng\u1eeba bao ph\u1ee7 85% ti\u1ebfp x\u00fac<\/li><\/ul><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>R\u1ee7i ro<\/th><th>X\u00e1c su\u1ea5t<\/th><th>T\u00e1c \u0111\u1ed9ng ti\u1ec1m n\u0103ng<\/th><th>Chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u<\/th><th>Hi\u1ec7u qu\u1ea3 gi\u1ea3m thi\u1ec3u<\/th><\/tr><\/thead><tbody><tr><td>Gi\u00e1n \u0111o\u1ea1n s\u1ed1<\/td><td>Cao (80%)<\/td><td>-15% c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng trong 3 n\u0103m<\/td><td>Next thu h\u00fat 12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng, b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t<\/td><td>Cao (75% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td><\/tr><tr><td>Suy tho\u00e1i kinh t\u1ebf<\/td><td>Trung b\u00ecnh (35%)<\/td><td>+2,5 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n<\/td><td>D\u1ef1 ph\u00f2ng 218% v\u00e0 h\u1ed7n h\u1ee3p t\u00edn d\u1ee5ng b\u1ea3o th\u1ee7 h\u01a1n<\/td><td>Trung b\u00ecnh (60% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td><\/tr><tr><td>Thay \u0111\u1ed5i quy \u0111\u1ecbnh<\/td><td>Cao (90%)<\/td><td>-8% doanh thu d\u1ecbch v\u1ee5<\/td><td>Ph\u00e1t tri\u1ec3n 14 d\u00f2ng doanh thu m\u1edbi kh\u00f4ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh<\/td><td>Trung b\u00ecnh (55% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td><\/tr><tr><td>\u00c1p l\u1ef1c bi\u00ean<\/td><td>Cao (85%)<\/td><td>-0,8 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong ch\u00eanh l\u1ec7ch ng\u00e2n h\u00e0ng<\/td><td>C\u1eaft gi\u1ea3m 2,3 t\u1ef7 R$ chi ph\u00ed v\u00e0 t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng<\/td><td>Cao (80% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco n\u0103m 2024?<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Sau khi ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn Bradesco, ch\u00fang t\u00f4i k\u1ebft lu\u1eadn r\u1eb1ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 c\u00f3 t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn thu\u1eadn l\u1ee3i trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi ba h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Bradesco th\u1ec3 hi\u1ec7n n\u0103m \u0111i\u1ec3m m\u1ea1nh c\u01a1 b\u1ea3n: \u0111\u1ecbnh gi\u00e1 th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed (P\/E 6,8x so v\u1edbi 8,5x), l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu h\u00e0ng n\u0103m), n\u1ee3 qu\u00e1 h\u1ea1n \u0111ang tr\u00ean \u0111\u00e0 gi\u1ea3m (4,2% v\u00e0 xu h\u01b0\u1edbng gi\u1ea3m), chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi k\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c (ti\u1ebft ki\u1ec7m 1,1 t\u1ef7 R$ chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng), v\u00e0 ti\u1ebfp x\u00fac c\u00e2n b\u1eb1ng v\u1edbi c\u00e1c ng\u00e0nh c\u1ee7a n\u1ec1n kinh t\u1ebf Brazil c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn nh\u1ea5t trong 2024-2025.<\/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 t\u00ecm ki\u1ebfm thu nh\u1eadp v\u00e0 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh, vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i (14,00 R$-14,50 R$) \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u01a1 h\u1ed9i v\u1edbi bi\u00ean \u0111\u1ed9 an to\u00e0n \u0111\u00e1ng k\u1ec3. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb k\u1ebft h\u1ee3p \u0111\u00f3ng g\u00f3p th\u01b0\u1eddng xuy\u00ean v\u1edbi vi\u1ec7c t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 t\u00edch l\u0169y t\u1ea1i c\u00e1c h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 (13,80 R$-13,90 R$), nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ed5ng l\u1ee3i nhu\u1eadn (c\u1ed5 t\u1ee9c + t\u0103ng gi\u00e1) t\u1eeb 14% \u0111\u1ebfn 18% trong 12 th\u00e1ng t\u1edbi.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u1ee5 th\u1ec3 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu Bradesco, bao g\u1ed3m c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt \u0111\u00e3 \u0111\u1ec1 c\u1eadp (13,85 R$, 14,20 R$, 15,20 R$, v\u00e0 16,50 R$), m\u00e1y t\u00ednh l\u1ee3i nhu\u1eadn v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c, v\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd ngay khi ch\u00fang \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>B\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil n\u0103m 2024: Chuy\u1ec3n \u0111\u1ed5i t\u0103ng t\u1ed1c<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ng\u00e0nh ng\u00e2n h\u00e0ng Brazil kh\u00f4ng c\u00f2n nh\u01b0 n\u0103m n\u0103m tr\u01b0\u1edbc. S\u1ed1 h\u00f3a kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng, m\u00e0 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, v\u1edbi 68% giao d\u1ecbch ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1. Trong b\u1ed1i c\u1ea3nh m\u1edbi n\u00e0y, vi\u1ec7c c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e2u h\u1ecfi chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai c\u1ee7a Brazil, chi\u1ebfm 8,2% ch\u1ec9 s\u1ed1 Ibovespa v\u1edbi thanh kho\u1ea3n trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 450 tri\u1ec7u R$.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>V\u00e0o th\u00e1ng 4 n\u0103m 2024, b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil tr\u00ecnh b\u00e0y c\u00e1c \u0111\u01b0\u1eddng n\u00e9t c\u1ee5 th\u1ec3: l\u00e3i su\u1ea5t Selic \u1edf m\u1ee9c 10,75% sau m\u1ed9t chu k\u1ef3 t\u0103ng li\u00ean ti\u1ebfp 12 l\u1ea7n, l\u1ea1m ph\u00e1t dai d\u1eb3ng \u1edf m\u1ee9c 4,2% m\u1ed7i n\u0103m v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf d\u1ef1 ki\u1ebfn l\u00e0 2,3% cho n\u0103m 2024. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Bradesco \u0111\u00e3 th\u1ef1c hi\u1ec7n ba chi\u1ebfn l\u01b0\u1ee3c ch\u00ednh \u0111\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi m\u00f4i tr\u01b0\u1eddng n\u00e0y: gi\u1ea3m 12% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd c\u1ee7a m\u00ecnh (428 chi nh\u00e1nh \u0111\u00e3 \u0111\u00f3ng c\u1eeda t\u1eeb n\u0103m 2022), t\u0103ng 36% \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd trong ph\u00e2n kh\u00fac cho vay tr\u1ea3 l\u01b0\u01a1ng (+18% trong 12 th\u00e1ng).<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ch\u1ee5p X-quang t\u00e0i ch\u00ednh c\u1ee7a Bradesco: Nh\u1eefng con s\u1ed1 ti\u1ebft l\u1ed9 xu h\u01b0\u1edbng<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh g\u1ea7n \u0111\u00e2y c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh r\u00f5 r\u00e0ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco trong th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i hay kh\u00f4ng.<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ch\u1ec9 s\u1ed1<\/th><th>2023<\/th><th>2024 (c\u00f4ng b\u1ed1 m\u1edbi nh\u1ea5t)<\/th><th>Bi\u1ebfn \u0111\u1ed9ng (%)<\/th><th>T\u00e1c \u0111\u1ed9ng l\u00ean c\u1ed5 phi\u1ebfu<\/th><\/tr><\/thead><tbody><tr><td>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/td><td>21.1<\/td><td>22.4<\/td><td>+6.2%<\/td><td>T\u00edch c\u1ef1c - t\u0103ng tr\u01b0\u1edfng tr\u00ean l\u1ea1m ph\u00e1t<\/td><\/tr><tr><td>ROE (%)<\/td><td>16.8<\/td><td>17.2<\/td><td>+0.4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>Trung b\u00ecnh - c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn<\/td><\/tr><tr><td>D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng (t\u1ef7 R$)<\/td><td>1.08<\/td><td>1.14<\/td><td>+5.6%<\/td><td>T\u00edch c\u1ef1c - m\u1edf r\u1ed9ng b\u1ec1n v\u1eefng<\/td><\/tr><tr><td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 (%)<\/td><td>43.4<\/td><td>41.8<\/td><td>-1.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>R\u1ea5t t\u00edch c\u1ef1c - ti\u1ebft ki\u1ec7m 1,8 t\u1ef7 R$ chi ph\u00ed<\/td><\/tr><tr><td>N\u1ee3 qu\u00e1 h\u1ea1n +90 ng\u00e0y (%)<\/td><td>4.8<\/td><td>4.2<\/td><td>-0.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td><td>R\u1ea5t t\u00edch c\u1ef1c - gi\u1ea3m 850 tri\u1ec7u R$ d\u1ef1 ph\u00f2ng<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Nh\u1eefng con s\u1ed1 n\u00e0y cho th\u1ea5y m\u1ed9t ng\u00e2n h\u00e0ng \u0111ang ph\u1ee5c h\u1ed3i sau ba n\u0103m kh\u00f3 kh\u0103n 2020-2022. C\u1ea3i thi\u1ec7n 0,6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 850 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn. T\u0103ng tr\u01b0\u1edfng 5,6% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng \u00edt r\u1ee7i ro h\u01a1n (b\u1ea5t \u0111\u1ed9ng s\u1ea3n +14% v\u00e0 cho vay tr\u1ea3 l\u01b0\u01a1ng +18%), ti\u1ebft l\u1ed9 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u00f3 t\u00ednh to\u00e1n v\u1edbi ki\u1ec3m so\u00e1t r\u1ee7i ro.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>Bradesco so v\u1edbi \u0111\u1ed1i th\u1ee7: Ai d\u1eabn \u0111\u1ea7u n\u0103m 2024?<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t Bradesco v\u00e0o b\u1ed1i c\u1ea3nh, ch\u00fang t\u00f4i \u0111\u00e3 so s\u00e1nh c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 ch\u00ednh c\u1ee7a n\u00f3 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2024:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>Ng\u00e2n h\u00e0ng<\/th><th>ROE (%)<\/th><th>T\u1ef7 l\u1ec7 P\/E<\/th><th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c (%)<\/th><th>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m (%)<\/th><\/tr><\/thead><tbody><tr><td>Bradesco<\/td><td>17.2<\/td><td>6.8<\/td><td>5.4<\/td><td>6.2<\/td><\/tr><tr><td>Ita\u00fa Unibanco<\/td><td>19.8<\/td><td>7.5<\/td><td>5.1<\/td><td>8.7<\/td><\/tr><tr><td>Santander Brasil<\/td><td>15.9<\/td><td>6.2<\/td><td>4.9<\/td><td>3.5<\/td><\/tr><tr><td>Banco do Brasil<\/td><td>21.2<\/td><td>4.3<\/td><td>7.8<\/td><td>10.2<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>So s\u00e1nh n\u00e0y cho th\u1ea5y Bradesco \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba v\u1ec1 l\u1ee3i nhu\u1eadn trong s\u1ed1 b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Brazil. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a n\u00f3 l\u00e0 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua) v\u01b0\u1ee3t qu\u00e1 m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 4,8%, \u0111\u1ea1i di\u1ec7n cho l\u1ee3i nhu\u1eadn cao h\u01a1n 51% so v\u1edbi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i v\u00e0 26% tr\u00ean Selic Kho b\u1ea1c. Pocket Option nh\u1ea5n m\u1ea1nh l\u1ee3i su\u1ea5t n\u00e0y l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u1ea1nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil.<\/p><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu Bradesco: \u0110i\u1ec3m v\u00e0o v\u00e0 ra \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4) v\u00e0 ph\u1ed5 th\u00f4ng (BBDC3) c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u1ed1t nh\u1ea5t.<\/p><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Trong 12 th\u00e1ng qua, BBDC4 \u0111\u00e3 h\u00ecnh th\u00e0nh m\u1ed9t k\u00eanh ngang r\u00f5 r\u00e0ng, dao \u0111\u1ed9ng gi\u1eefa 13,80 R$ v\u00e0 16,50 R$. Ph\u00e2n t\u00edch 90 ng\u00e0y qua ti\u1ebft l\u1ed9:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ed7 tr\u1ee3 ch\u00ednh \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n \u1edf m\u1ee9c 13,80-13,90 R$, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 68% so v\u1edbi trung b\u00ecnh \u1edf c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u1edf m\u1ee9c 16,50 R$, b\u1ecb t\u1eeb ch\u1ed1i hai l\u1ea7n v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng gi\u1ea3m (t\u00edn hi\u1ec7u t\u00edch c\u1ef1c)<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y (Golden Cross), h\u00ecnh th\u00e0nh v\u00e0o ng\u00e0y 24\/03\/2024, b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng thay \u0111\u1ed5i xu h\u01b0\u1edbng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI (14) di chuy\u1ec3n t\u1eeb v\u00f9ng qu\u00e1 b\u00e1n (32) \u0111\u1ebfn trung l\u1eadp (45), cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n \u0111\u1ed9ng l\u01b0\u1ee3ng<\/li><\/ul><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>C\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho th\u1ea5y m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng thu\u1eadn l\u1ee3i \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco g\u1ea7n h\u1ed7 tr\u1ee3 13,90 R$, v\u1edbi \u0111i\u1ec3m d\u1eebng l\u1ed7 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u1edf m\u1ee9c 13,50 R$ (-2,9%) v\u00e0 m\u1ee5c ti\u00eau \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c 15,20 R$ (+9,3%), cung c\u1ea5p t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn l\u00e0 1:3,2. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb c\u00e1c m\u1ee5c nh\u1eadp ph\u00e2n \u0111o\u1ea1n \u1edf c\u00e1c m\u1ee9c 14,20 R$, 14,00 R$, v\u00e0 13,85 R$ \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro th\u1ef1c hi\u1ec7n.<\/p><\/div><div class='po-container po-container_width_article-sm'><h3 class='po-article-page__title'>M\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u00f3 x\u00e1c su\u1ea5t cao<\/h3><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>Ba m\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u1ee5 th\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng di chuy\u1ec3n theo h\u01b0\u1edbng trong c\u1ed5 phi\u1ebfu Bradesco:<\/p><\/div><div class='po-container po-container_width_article po-article-page__table'><div class='po-table'><table><thead><tr><th>M\u00f4 h\u00ecnh<\/th><th>H\u00e0m \u00fd<\/th><th>X\u00e1c su\u1ea5t th\u00e0nh c\u00f4ng l\u1ecbch s\u1eed<\/th><th>Ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1<\/th><\/tr><\/thead><tbody><tr><td>\u0110\u00e1y \u0111\u00f4i t\u1ea1i 13,85 R$<\/td><td>\u0110\u1ea3o chi\u1ec1u t\u1eeb xu h\u01b0\u1edbng gi\u1ea3m sang xu h\u01b0\u1edbng t\u0103ng trong 3-5 tu\u1ea7n<\/td><td>72% (d\u1ef1a tr\u00ean 8 m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 g\u1ea7n \u0111\u00e2y)<\/td><td>+12% \u0111\u1ebfn +18%<\/td><\/tr><tr><td>Tam gi\u00e1c \u0111\u1ed1i x\u1ee9ng (h\u1ed9i t\u1ee5 v\u00e0o 28\/04)<\/td><td>Ph\u00e1 v\u1ee1 theo h\u01b0\u1edbng v\u00e0o 15\/05<\/td><td>83% x\u00e1c su\u1ea5t t\u0103ng<\/td><td>+8% \u0111\u1ebfn +15%<\/td><\/tr><tr><td>H\u1ed7 tr\u1ee3 t\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y<\/td><td>Duy tr\u00ec xu h\u01b0\u1edbng d\u00e0i h\u1ea1n<\/td><td>91% hi\u1ec7u qu\u1ea3 trong 5 n\u0103m qua<\/td><td>+6% \u0111\u1ebfn +10% trong 30-45 ng\u00e0y<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class='po-container po-container_width_article-sm'><h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco d\u1ef1a tr\u00ean c\u01a1 b\u1ea3n?<\/h2><\/div><div class='po-container po-container_width_article-sm'><p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n, ph\u00e2n t\u00edch c\u01a1 b\u1ea3n l\u00e0 quy\u1ebft \u0111\u1ecbnh. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee7a Bradesco v\u00e0o th\u00e1ng 4 n\u0103m 2024 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u c\u1ee5 th\u1ec3:<\/p><\/div><div class='po-container po-container_width_article-sm article-content po-article-page__text'><ul class='po-article-page-list'><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/E hi\u1ec7n t\u1ea1i l\u00e0 6,8x th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 8,5x, cho th\u1ea5y ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1 3,40 R$ m\u1ed7i c\u1ed5 phi\u1ebfu<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/B l\u00e0 1,2x \u0111\u1ea1i di\u1ec7n cho m\u1ee9c chi\u1ebft kh\u1ea5u 14,3% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 1,4x<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 5,4% t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua, v\u1edbi ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng<\/li><li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>ROE l\u00e0 17,2% v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed v\u1ed1n \u01b0\u1edbc t\u00ednh l\u00e0 14,8%, t\u1ea1o ra gi\u00e1 tr\u1ecb kinh t\u1ebf d\u01b0\u01a1ng 2,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/li><\/ul><\/di","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'>B\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil n\u0103m 2024: Chuy\u1ec3n \u0111\u1ed5i t\u0103ng t\u1ed1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ng\u00e0nh ng\u00e2n h\u00e0ng Brazil kh\u00f4ng c\u00f2n nh\u01b0 n\u0103m n\u0103m tr\u01b0\u1edbc. S\u1ed1 h\u00f3a kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng, m\u00e0 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, v\u1edbi 68% giao d\u1ecbch ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1. Trong b\u1ed1i c\u1ea3nh m\u1edbi n\u00e0y, vi\u1ec7c c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e2u h\u1ecfi chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai c\u1ee7a Brazil, chi\u1ebfm 8,2% ch\u1ec9 s\u1ed1 Ibovespa v\u1edbi thanh kho\u1ea3n trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 450 tri\u1ec7u R$.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u00e0o th\u00e1ng 4 n\u0103m 2024, b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil tr\u00ecnh b\u00e0y c\u00e1c \u0111\u01b0\u1eddng n\u00e9t c\u1ee5 th\u1ec3: l\u00e3i su\u1ea5t Selic \u1edf m\u1ee9c 10,75% sau m\u1ed9t chu k\u1ef3 t\u0103ng li\u00ean ti\u1ebfp 12 l\u1ea7n, l\u1ea1m ph\u00e1t dai d\u1eb3ng \u1edf m\u1ee9c 4,2% m\u1ed7i n\u0103m v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf d\u1ef1 ki\u1ebfn l\u00e0 2,3% cho n\u0103m 2024. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Bradesco \u0111\u00e3 th\u1ef1c hi\u1ec7n ba chi\u1ebfn l\u01b0\u1ee3c ch\u00ednh \u0111\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi m\u00f4i tr\u01b0\u1eddng n\u00e0y: gi\u1ea3m 12% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd c\u1ee7a m\u00ecnh (428 chi nh\u00e1nh \u0111\u00e3 \u0111\u00f3ng c\u1eeda t\u1eeb n\u0103m 2022), t\u0103ng 36% \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd trong ph\u00e2n kh\u00fac cho vay tr\u1ea3 l\u01b0\u01a1ng (+18% trong 12 th\u00e1ng).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ch\u1ee5p X-quang t\u00e0i ch\u00ednh c\u1ee7a Bradesco: Nh\u1eefng con s\u1ed1 ti\u1ebft l\u1ed9 xu h\u01b0\u1edbng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh g\u1ea7n \u0111\u00e2y c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh r\u00f5 r\u00e0ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco trong th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i hay kh\u00f4ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1<\/th>\n<th>2023<\/th>\n<th>2024 (c\u00f4ng b\u1ed1 m\u1edbi nh\u1ea5t)<\/th>\n<th>Bi\u1ebfn \u0111\u1ed9ng (%)<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean c\u1ed5 phi\u1ebfu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/td>\n<td>21.1<\/td>\n<td>22.4<\/td>\n<td>+6.2%<\/td>\n<td>T\u00edch c\u1ef1c &#8211; t\u0103ng tr\u01b0\u1edfng tr\u00ean l\u1ea1m ph\u00e1t<\/td>\n<\/tr>\n<tr>\n<td>ROE (%)<\/td>\n<td>16.8<\/td>\n<td>17.2<\/td>\n<td>+0.4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>Trung b\u00ecnh &#8211; c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn<\/td>\n<\/tr>\n<tr>\n<td>D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng (t\u1ef7 R$)<\/td>\n<td>1.08<\/td>\n<td>1.14<\/td>\n<td>+5.6%<\/td>\n<td>T\u00edch c\u1ef1c &#8211; m\u1edf r\u1ed9ng b\u1ec1n v\u1eefng<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 (%)<\/td>\n<td>43.4<\/td>\n<td>41.8<\/td>\n<td>-1.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>R\u1ea5t t\u00edch c\u1ef1c &#8211; ti\u1ebft ki\u1ec7m 1,8 t\u1ef7 R$ chi ph\u00ed<\/td>\n<\/tr>\n<tr>\n<td>N\u1ee3 qu\u00e1 h\u1ea1n +90 ng\u00e0y (%)<\/td>\n<td>4.8<\/td>\n<td>4.2<\/td>\n<td>-0.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>R\u1ea5t t\u00edch c\u1ef1c &#8211; gi\u1ea3m 850 tri\u1ec7u R$ d\u1ef1 ph\u00f2ng<\/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'>Nh\u1eefng con s\u1ed1 n\u00e0y cho th\u1ea5y m\u1ed9t ng\u00e2n h\u00e0ng \u0111ang ph\u1ee5c h\u1ed3i sau ba n\u0103m kh\u00f3 kh\u0103n 2020-2022. C\u1ea3i thi\u1ec7n 0,6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 850 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn. T\u0103ng tr\u01b0\u1edfng 5,6% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng \u00edt r\u1ee7i ro h\u01a1n (b\u1ea5t \u0111\u1ed9ng s\u1ea3n +14% v\u00e0 cho vay tr\u1ea3 l\u01b0\u01a1ng +18%), ti\u1ebft l\u1ed9 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u00f3 t\u00ednh to\u00e1n v\u1edbi ki\u1ec3m so\u00e1t r\u1ee7i ro.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Bradesco so v\u1edbi \u0111\u1ed1i th\u1ee7: Ai d\u1eabn \u0111\u1ea7u n\u0103m 2024?<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t Bradesco v\u00e0o b\u1ed1i c\u1ea3nh, ch\u00fang t\u00f4i \u0111\u00e3 so s\u00e1nh c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 ch\u00ednh c\u1ee7a n\u00f3 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2024:<\/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>Ng\u00e2n h\u00e0ng<\/th>\n<th>ROE (%)<\/th>\n<th>T\u1ef7 l\u1ec7 P\/E<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c (%)<\/th>\n<th>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bradesco<\/td>\n<td>17.2<\/td>\n<td>6.8<\/td>\n<td>5.4<\/td>\n<td>6.2<\/td>\n<\/tr>\n<tr>\n<td>Ita\u00fa Unibanco<\/td>\n<td>19.8<\/td>\n<td>7.5<\/td>\n<td>5.1<\/td>\n<td>8.7<\/td>\n<\/tr>\n<tr>\n<td>Santander Brasil<\/td>\n<td>15.9<\/td>\n<td>6.2<\/td>\n<td>4.9<\/td>\n<td>3.5<\/td>\n<\/tr>\n<tr>\n<td>Banco do Brasil<\/td>\n<td>21.2<\/td>\n<td>4.3<\/td>\n<td>7.8<\/td>\n<td>10.2<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So s\u00e1nh n\u00e0y cho th\u1ea5y Bradesco \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba v\u1ec1 l\u1ee3i nhu\u1eadn trong s\u1ed1 b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Brazil. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a n\u00f3 l\u00e0 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua) v\u01b0\u1ee3t qu\u00e1 m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 4,8%, \u0111\u1ea1i di\u1ec7n cho l\u1ee3i nhu\u1eadn cao h\u01a1n 51% so v\u1edbi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i v\u00e0 26% tr\u00ean Selic Kho b\u1ea1c. Pocket Option nh\u1ea5n m\u1ea1nh l\u1ee3i su\u1ea5t n\u00e0y l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u1ea1nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu Bradesco: \u0110i\u1ec3m v\u00e0o v\u00e0 ra \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4) v\u00e0 ph\u1ed5 th\u00f4ng (BBDC3) c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u1ed1t nh\u1ea5t.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Trong 12 th\u00e1ng qua, BBDC4 \u0111\u00e3 h\u00ecnh th\u00e0nh m\u1ed9t k\u00eanh ngang r\u00f5 r\u00e0ng, dao \u0111\u1ed9ng gi\u1eefa 13,80 R$ v\u00e0 16,50 R$. Ph\u00e2n t\u00edch 90 ng\u00e0y qua ti\u1ebft l\u1ed9:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ed7 tr\u1ee3 ch\u00ednh \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n \u1edf m\u1ee9c 13,80-13,90 R$, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 68% so v\u1edbi trung b\u00ecnh \u1edf c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u1edf m\u1ee9c 16,50 R$, b\u1ecb t\u1eeb ch\u1ed1i hai l\u1ea7n v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng gi\u1ea3m (t\u00edn hi\u1ec7u t\u00edch c\u1ef1c)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y (Golden Cross), h\u00ecnh th\u00e0nh v\u00e0o ng\u00e0y 24\/03\/2024, b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng thay \u0111\u1ed5i xu h\u01b0\u1edbng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI (14) di chuy\u1ec3n t\u1eeb v\u00f9ng qu\u00e1 b\u00e1n (32) \u0111\u1ebfn trung l\u1eadp (45), cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n \u0111\u1ed9ng l\u01b0\u1ee3ng<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho th\u1ea5y m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng thu\u1eadn l\u1ee3i \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco g\u1ea7n h\u1ed7 tr\u1ee3 13,90 R$, v\u1edbi \u0111i\u1ec3m d\u1eebng l\u1ed7 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u1edf m\u1ee9c 13,50 R$ (-2,9%) v\u00e0 m\u1ee5c ti\u00eau \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c 15,20 R$ (+9,3%), cung c\u1ea5p t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn l\u00e0 1:3,2. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb c\u00e1c m\u1ee5c nh\u1eadp ph\u00e2n \u0111o\u1ea1n \u1edf c\u00e1c m\u1ee9c 14,20 R$, 14,00 R$, v\u00e0 13,85 R$ \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro th\u1ef1c hi\u1ec7n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>M\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u00f3 x\u00e1c su\u1ea5t cao<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ba m\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u1ee5 th\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng di chuy\u1ec3n theo h\u01b0\u1edbng trong c\u1ed5 phi\u1ebfu Bradesco:<\/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>M\u00f4 h\u00ecnh<\/th>\n<th>H\u00e0m \u00fd<\/th>\n<th>X\u00e1c su\u1ea5t th\u00e0nh c\u00f4ng l\u1ecbch s\u1eed<\/th>\n<th>Ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u00e1y \u0111\u00f4i t\u1ea1i 13,85 R$<\/td>\n<td>\u0110\u1ea3o chi\u1ec1u t\u1eeb xu h\u01b0\u1edbng gi\u1ea3m sang xu h\u01b0\u1edbng t\u0103ng trong 3-5 tu\u1ea7n<\/td>\n<td>72% (d\u1ef1a tr\u00ean 8 m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 g\u1ea7n \u0111\u00e2y)<\/td>\n<td>+12% \u0111\u1ebfn +18%<\/td>\n<\/tr>\n<tr>\n<td>Tam gi\u00e1c \u0111\u1ed1i x\u1ee9ng (h\u1ed9i t\u1ee5 v\u00e0o 28\/04)<\/td>\n<td>Ph\u00e1 v\u1ee1 theo h\u01b0\u1edbng v\u00e0o 15\/05<\/td>\n<td>83% x\u00e1c su\u1ea5t t\u0103ng<\/td>\n<td>+8% \u0111\u1ebfn +15%<\/td>\n<\/tr>\n<tr>\n<td>H\u1ed7 tr\u1ee3 t\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y<\/td>\n<td>Duy tr\u00ec xu h\u01b0\u1edbng d\u00e0i h\u1ea1n<\/td>\n<td>91% hi\u1ec7u qu\u1ea3 trong 5 n\u0103m qua<\/td>\n<td>+6% \u0111\u1ebfn +10% trong 30-45 ng\u00e0y<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco d\u1ef1a tr\u00ean c\u01a1 b\u1ea3n?<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n, ph\u00e2n t\u00edch c\u01a1 b\u1ea3n l\u00e0 quy\u1ebft \u0111\u1ecbnh. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee7a Bradesco v\u00e0o th\u00e1ng 4 n\u0103m 2024 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u c\u1ee5 th\u1ec3:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/E hi\u1ec7n t\u1ea1i l\u00e0 6,8x th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 8,5x, cho th\u1ea5y ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1 3,40 R$ m\u1ed7i c\u1ed5 phi\u1ebfu<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/B l\u00e0 1,2x \u0111\u1ea1i di\u1ec7n cho m\u1ee9c chi\u1ebft kh\u1ea5u 14,3% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 1,4x<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 5,4% t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua, v\u1edbi ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>ROE l\u00e0 17,2% v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed v\u1ed1n \u01b0\u1edbc t\u00ednh l\u00e0 14,8%, t\u1ea1o ra gi\u00e1 tr\u1ecb kinh t\u1ebf d\u01b0\u01a1ng 2,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c ch\u1ec9 s\u1ed1 n\u00e0y, \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch c\u00f9ng v\u1edbi tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn 7,8% cho n\u0103m 2024 (\u0111\u1ed3ng thu\u1eadn c\u1ee7a 14 nh\u00e0 ph\u00e2n t\u00edch), cho th\u1ea5y r\u1eb1ng vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u01a1 h\u1ed9i cho nh\u1eefng ng\u01b0\u1eddi t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng Brazil v\u1edbi m\u1ed9t bi\u00ean \u0111\u1ed9 an to\u00e0n kho\u1ea3ng 18% so v\u1edbi gi\u00e1 tr\u1ecb h\u1ee3p l\u00fd \u01b0\u1edbc t\u00ednh (17,80 R$).<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1<\/th>\n<th>Bradesco<\/th>\n<th>Trung b\u00ecnh ng\u00e0nh<\/th>\n<th>Kh\u00e1c bi\u1ec7t (%)<\/th>\n<th>Di\u1ec5n gi\u1ea3i cho nh\u00e0 \u0111\u1ea7u t\u01b0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>P\/E<\/td>\n<td>6.8x<\/td>\n<td>7.2x<\/td>\n<td>-5.6%<\/td>\n<td>Chi\u1ebft kh\u1ea5u trung b\u00ecnh, ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1<\/td>\n<\/tr>\n<tr>\n<td>P\/B<\/td>\n<td>1.2x<\/td>\n<td>1.4x<\/td>\n<td>-14.3%<\/td>\n<td>Chi\u1ebft kh\u1ea5u \u0111\u00e1ng k\u1ec3 so v\u1edbi v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu<\/td>\n<\/tr>\n<tr>\n<td>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c<\/td>\n<td>5.4%<\/td>\n<td>4.8%<\/td>\n<td>+12.5%<\/td>\n<td>L\u1ee3i nhu\u1eadn v\u01b0\u1ee3t tr\u1ed9i t\u1eeb c\u1ed5 t\u1ee9c (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu\/n\u0103m)<\/td>\n<\/tr>\n<tr>\n<td>ROE<\/td>\n<td>17.2%<\/td>\n<td>16.5%<\/td>\n<td>+4.2%<\/td>\n<td>Hi\u1ec7u qu\u1ea3 t\u1ea1o l\u1ee3i nhu\u1eadn h\u01a1i v\u01b0\u1ee3t tr\u1ed9i<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>5 tr\u1ee5 c\u1ed9t c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 Bradesco: K\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 \u0111\u00e1nh gi\u00e1 c\u00e1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a n\u00f3 \u0111ang t\u1ea1o ra k\u1ebft qu\u1ea3 c\u1ee5 th\u1ec3. Ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea7u t\u01b0 7,8 t\u1ef7 R$ v\u00e0o c\u00f4ng ngh\u1ec7 trong n\u0103m 2023 (t\u0103ng 36% so v\u1edbi n\u0103m 2021), t\u1eadp trung v\u00e0o n\u0103m s\u00e1ng ki\u1ebfn 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'>Next: ng\u00e2n h\u00e0ng s\u1ed1 v\u01b0\u1ee3t qua 12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng (t\u0103ng 41% trong 12 th\u00e1ng), v\u1edbi chi ph\u00ed thu h\u00fat th\u1ea5p h\u01a1n 78% so v\u1edbi m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>BIA (Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o): x\u1eed l\u00fd 25 tri\u1ec7u t\u01b0\u01a1ng t\u00e1c h\u00e0ng th\u00e1ng, gi\u1ea3m th\u1eddi gian ph\u1ee5c v\u1ee5 trung b\u00ecnh 32% v\u00e0 ti\u1ebft ki\u1ec7m 235 tri\u1ec7u R$ chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Open Finance: ph\u00e1t tri\u1ec3n 47 API \u0111\u1ed9c quy\u1ec1n v\u1edbi 8,3 tri\u1ec7u s\u1ef1 \u0111\u1ed3ng \u00fd ho\u1ea1t \u0111\u1ed9ng, cho ph\u00e9p thu h\u00fat 325.000 kh\u00e1ch h\u00e0ng m\u1edbi qua h\u1ec7 sinh th\u00e1i m\u1edf<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>inovaBRA: ch\u01b0\u01a1ng tr\u00ecnh k\u1ebft n\u1ed1i ng\u00e2n h\u00e0ng v\u1edbi 352 startup, tri\u1ec3n khai 83 gi\u1ea3i ph\u00e1p t\u1ea1o ra 420 tri\u1ec7u R$ doanh thu m\u1edbi<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng: gi\u1ea3m th\u1eddi gian x\u1eed l\u00fd qua \u0111\u00eam 42% v\u00e0 c\u1eaft gi\u1ea3m 580 tri\u1ec7u R$ chi ph\u00ed h\u1ea1 t\u1ea7ng<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Theo ph\u00e2n t\u00edch c\u1ee7a Pocket Option, s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y \u0111\u00e3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, v\u1edbi t\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 c\u1ea3i thi\u1ec7n t\u1eeb 43,4% xu\u1ed1ng 41,8% trong 12 th\u00e1ng. M\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 1,1 t\u1ef7 R$ h\u00e0ng n\u0103m, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn v\u00e0, do \u0111\u00f3, ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 c\u1ee7a c\u1ed5 phi\u1ebfu.<\/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>S\u00e1ng ki\u1ebfn s\u1ed1<\/th>\n<th>\u0110\u1ea7u t\u01b0 (tri\u1ec7u R$)<\/th>\n<th>K\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c<\/th>\n<th>T\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh h\u00e0ng n\u0103m<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Next (ng\u00e2n h\u00e0ng s\u1ed1)<\/td>\n<td>1,850<\/td>\n<td>12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng (+41% y.o.y.)<\/td>\n<td>620 tri\u1ec7u R$ doanh thu m\u1edbi<\/td>\n<\/tr>\n<tr>\n<td>BIA (Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o)<\/td>\n<td>980<\/td>\n<td>25 tri\u1ec7u t\u01b0\u01a1ng t\u00e1c\/th\u00e1ng (-32% th\u1eddi gian ph\u1ee5c v\u1ee5)<\/td>\n<td>Ti\u1ebft ki\u1ec7m 235 tri\u1ec7u R$<\/td>\n<\/tr>\n<tr>\n<td>Open Finance<\/td>\n<td>730<\/td>\n<td>8,3 tri\u1ec7u s\u1ef1 \u0111\u1ed3ng \u00fd ho\u1ea1t \u0111\u1ed9ng<\/td>\n<td>325.000 kh\u00e1ch h\u00e0ng m\u1edbi (180 tri\u1ec7u R$ doanh thu)<\/td>\n<\/tr>\n<tr>\n<td>H\u1ee3p t\u00e1c v\u1edbi fintech<\/td>\n<td>420<\/td>\n<td>83 gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c tri\u1ec3n khai<\/td>\n<td>420 tri\u1ec7u R$ doanh thu m\u1edbi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>C\u00e1ch n\u1ec1n kinh t\u1ebf v\u0129 m\u00f4 Brazil t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn Bradesco<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang c\u00e2n nh\u1eafc mua c\u1ed5 phi\u1ebfu Bradesco, hi\u1ec3u r\u00f5 m\u1ed1i t\u01b0\u01a1ng quan ch\u00ednh x\u00e1c gi\u1eefa c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 v\u00e0 hi\u1ec7u su\u1ea5t c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u01a1 b\u1ea3n:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Hi\u1ec7u \u1ee9ng Selic l\u00ean bi\u00ean l\u1ee3i nhu\u1eadn c\u1ee7a Bradesco<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>L\u00e3i su\u1ea5t Selic, hi\u1ec7n t\u1ea1i \u1edf m\u1ee9c 10,75%, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ba th\u00e0nh ph\u1ea7n c\u1ee7a k\u1ebft qu\u1ea3 Bradesco. M\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong Selic \u0111\u1ea1i di\u1ec7n cho t\u00e1c \u0111\u1ed9ng kho\u1ea3ng 580 tri\u1ec7u R$ l\u00ean k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd, \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 nh\u01b0 sau:<\/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 l\u00e3i su\u1ea5t<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean Bi\u00ean l\u00e3i r\u00f2ng<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean N\u1ee3 qu\u00e1 h\u1ea1n<\/th>\n<th>Hi\u1ec7u \u1ee9ng r\u00f2ng l\u00ean l\u1ee3i nhu\u1eadn<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Duy tr\u00ec Selic \u1edf m\u1ee9c 10,75%<\/td>\n<td>\u1ed4n \u0111\u1ecbnh (+280 tri\u1ec7u R$\/qu\u00fd)<\/td>\n<td>Gi\u1ea3m d\u1ea7n n\u1ee3 qu\u00e1 h\u1ea1n (-0,2 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td>\n<td>T\u00edch c\u1ef1c 420 tri\u1ec7u R$\/qu\u00fd<\/td>\n<\/tr>\n<tr>\n<td>Gi\u1ea3m xu\u1ed1ng 9,25% v\u00e0o th\u00e1ng 12<\/td>\n<td>\u00c1p l\u1ef1c ti\u00eau c\u1ef1c nh\u1eb9 (-150 tri\u1ec7u R$\/qu\u00fd)<\/td>\n<td>T\u0103ng t\u1ed1c gi\u1ea3m n\u1ee3 qu\u00e1 h\u1ea1n (-0,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td>\n<td>T\u00edch c\u1ef1c 580 tri\u1ec7u R$\/qu\u00fd<\/td>\n<\/tr>\n<tr>\n<td>T\u0103ng l\u00ean 12,25% (k\u1ecbch b\u1ea3n c\u0103ng th\u1eb3ng)<\/td>\n<td>M\u1edf r\u1ed9ng bi\u00ean m\u1ea1nh (+420 tri\u1ec7u R$\/qu\u00fd)<\/td>\n<td>T\u0103ng n\u1ee3 qu\u00e1 h\u1ea1n (+0,3 \u0111i\u1ec3m ph\u1ea7n tr\u0103m\/qu\u00fd)<\/td>\n<td>Ti\u00eau c\u1ef1c 180 tri\u1ec7u R$\/qu\u00fd<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ngo\u00e0i l\u00e3i su\u1ea5t, ba y\u1ebfu t\u1ed1 kinh t\u1ebf v\u0129 m\u00f4 quan tr\u1ecdng kh\u00e1c \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ee7a Bradesco:<\/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 tr\u01b0\u1edfng GDP: m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m t\u0103ng th\u00eam trong GDP Brazil theo l\u1ecbch s\u1eed chuy\u1ec3n th\u00e0nh m\u1edf r\u1ed9ng 2,7% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng c\u1ee7a Bradesco, th\u00eam kho\u1ea3ng 380 tri\u1ec7u R$ v\u00e0o l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ea1m ph\u00e1t: IPCA tr\u00ean 5% g\u00e2y \u00e1p l\u1ef1c l\u00ean chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng kho\u1ea3ng 220 tri\u1ec7u R$ m\u1ed7i qu\u00fd, gi\u1ea3m bi\u00ean l\u1ee3i nhu\u1eadn<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Th\u1ea5t nghi\u1ec7p: m\u1ed7i \u0111i\u1ec3m ph\u1ea7n tr\u0103m gi\u1ea3m trong t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p c\u1ea3i thi\u1ec7n n\u1ee3 qu\u00e1 h\u1ea1n 0,18 \u0111i\u1ec3m ph\u1ea7n tr\u0103m, ti\u1ebft ki\u1ec7m 260 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng h\u00e0ng n\u0103m<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u1ed5 phi\u1ebfu Bradesco n\u0103m 2024<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>D\u1ef1a tr\u00ean c\u00e1c ph\u00e2n t\u00edch \u0111\u00e3 tr\u00ecnh b\u00e0y, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh b\u1ed1n chi\u1ebfn l\u01b0\u1ee3c t\u1ed1i \u01b0u cho c\u00e1c h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00e1c nhau quan t\u00e2m \u0111\u1ebfn vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco:<\/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>H\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0<\/th>\n<th>Chi\u1ebfn l\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb<\/th>\n<th>Ph\u00e2n b\u1ed5 \u0111\u1ec1 xu\u1ea5t<\/th>\n<th>L\u1ee3i nhu\u1eadn k\u1ef3 v\u1ecdng (12 th\u00e1ng)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B\u1ea3o th\u1ee7<\/td>\n<td>T\u00edch l\u0169y h\u00e0ng th\u00e1ng t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c: 1.000 R$ m\u1ed7i ng\u00e0y 15, b\u1ea5t k\u1ec3 gi\u00e1<\/td>\n<td>3-5% t\u1ed5ng t\u00e0i s\u1ea3n<\/td>\n<td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 8-12%<\/td>\n<\/tr>\n<tr>\n<td>Trung b\u00ecnh<\/td>\n<td>Mua ph\u00e2n \u0111o\u1ea1n t\u1ea1i c\u00e1c h\u1ed7 tr\u1ee3: 30% \u1edf m\u1ee9c 14,20 R$, 30% \u1edf m\u1ee9c 14,00 R$, v\u00e0 40% \u1edf m\u1ee9c 13,85 R$<\/td>\n<td>5-10% t\u1ed5ng t\u00e0i s\u1ea3n<\/td>\n<td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 15-20%<\/td>\n<\/tr>\n<tr>\n<td>M\u1ea1o hi\u1ec3m<\/td>\n<td>Mua c\u00f3 \u0111\u00f2n b\u1ea9y g\u1ea7n h\u1ed7 tr\u1ee3 ch\u00ednh v\u1edbi \u0111i\u1ec3m d\u1eebng d\u01b0\u1edbi 13,60 R$<\/td>\n<td>10-15% t\u1ed5ng t\u00e0i s\u1ea3n<\/td>\n<td>C\u1ed5 t\u1ee9c 5,4% + ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1 20-25%<\/td>\n<\/tr>\n<tr>\n<td>Giao d\u1ecbch<\/td>\n<td>Giao d\u1ecbch xoay v\u00f2ng gi\u1eefa h\u1ed7 tr\u1ee3 (13,85 R$) v\u00e0 kh\u00e1ng c\u1ef1 \u0111\u1ea7u ti\u00ean (15,20 R$)<\/td>\n<td>1-3% t\u00e0i s\u1ea3n m\u1ed7i giao d\u1ecbch<\/td>\n<td>L\u1ee3i nhu\u1eadn 8-12% m\u1ed7i chu k\u1ef3 (\u01b0\u1edbc t\u00ednh 3-4 chu k\u1ef3\/n\u0103m)<\/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 cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u1ee5 th\u1ec3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, bao g\u1ed3m c\u1ea3nh b\u00e1o gi\u00e1 cho c\u00e1c m\u1ee9c ch\u00ednh \u0111\u00e3 \u0111\u1ec1 c\u1eadp, m\u00e1y t\u00ednh l\u1ee3i nhu\u1eadn v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c, v\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd ngay khi ch\u00fang \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n.<\/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 d\u00e0i h\u1ea1n, chi\u1ebfn l\u01b0\u1ee3c \u0111\u00f3ng g\u00f3p h\u00e0ng th\u00e1ng theo l\u1ecbch tr\u00ecnh (1.000 R$\/th\u00e1ng trong 5 n\u0103m) v\u00e0o c\u1ed5 phi\u1ebfu Bradesco s\u1ebd d\u1eabn \u0111\u1ebfn t\u00e0i s\u1ea3n \u01b0\u1edbc t\u00ednh l\u00e0 83.450 R$ khi t\u00ednh c\u1ea3 c\u1ed5 t\u1ee9c t\u00e1i \u0111\u1ea7u t\u01b0 v\u00e0 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh h\u00e0ng n\u0103m 11,2%, theo c\u00e1c d\u1ef1 b\u00e1o d\u1ef1a tr\u00ean hi\u1ec7u su\u1ea5t l\u1ecbch s\u1eed \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo c\u00e1c quan \u0111i\u1ec3m hi\u1ec7n t\u1ea1i.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>5 r\u1ee7i ro c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi Bradesco v\u00e0 c\u00e1ch ng\u00e2n h\u00e0ng gi\u1ea3m thi\u1ec3u ch\u00fang<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 hi\u1ec3u n\u0103m r\u1ee7i ro ch\u00ednh m\u00e0 t\u1ed5 ch\u1ee9c n\u00e0y ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u c\u1ee7a n\u00f3:<\/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'>C\u1ea1nh tranh s\u1ed1: Bradesco m\u1ea5t 2,1% c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng h\u00e0ng n\u0103m v\u00e0o tay c\u00e1c fintech, nh\u01b0ng \u0111\u00e3 thu h\u00fat 3,7% kh\u00e1ch h\u00e0ng m\u1edbi qua Next, d\u1eabn \u0111\u1ebfn c\u00e2n b\u1eb1ng d\u01b0\u01a1ng 1,6%<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u1ee3 qu\u00e1 h\u1ea1n ng\u00e0nh: Ti\u1ebfp x\u00fac 86 t\u1ef7 R$ v\u1edbi ng\u00e0nh b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ea1i di\u1ec7n cho r\u1ee7i ro t\u1eadp trung, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u b\u1eb1ng c\u00e1ch y\u00eau c\u1ea7u tr\u1ea3 tr\u01b0\u1edbc 35% v\u00e0 b\u1ea3o \u0111\u1ea3m bao ph\u1ee7 142% gi\u00e1 tr\u1ecb kho\u1ea3n vay<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>N\u00e9n ch\u00eanh l\u1ec7ch: Gi\u1ea3m 0,8 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong ch\u00eanh l\u1ec7ch trong 12 th\u00e1ng, \u0111\u01b0\u1ee3c b\u00f9 \u0111\u1eafp b\u1eb1ng t\u0103ng 12% kh\u1ed1i l\u01b0\u1ee3ng v\u00e0 gi\u1ea3m 8% chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>C\u1ee9ng nh\u1eafc c\u1ea5u tr\u00fac: 78.000 nh\u00e2n vi\u00ean v\u00e0 2.850 chi nh\u00e1nh \u0111\u1ea1i di\u1ec7n cho chi ph\u00ed c\u1ed1 \u0111\u1ecbnh cao, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u m\u1ed9t ph\u1ea7n b\u1eb1ng c\u00e1ch \u0111\u00f3ng c\u1eeda 428 chi nh\u00e1nh t\u1eeb n\u0103m 2022 v\u00e0 s\u1ed1 h\u00f3a 64% quy tr\u00ecnh n\u1ed9i b\u1ed9<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Ti\u1ebfp x\u00fac ti\u1ec1n t\u1ec7: 17% ho\u1ea1t \u0111\u1ed9ng qu\u1ed1c t\u1ebf t\u1ea1o ra bi\u1ebfn \u0111\u1ed9ng trong k\u1ebft qu\u1ea3, \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u b\u1eb1ng ch\u00ednh s\u00e1ch ph\u00f2ng ng\u1eeba bao ph\u1ee7 85% ti\u1ebfp x\u00fac<\/li>\n<\/ul>\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>R\u1ee7i ro<\/th>\n<th>X\u00e1c su\u1ea5t<\/th>\n<th>T\u00e1c \u0111\u1ed9ng ti\u1ec1m n\u0103ng<\/th>\n<th>Chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u<\/th>\n<th>Hi\u1ec7u qu\u1ea3 gi\u1ea3m thi\u1ec3u<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Gi\u00e1n \u0111o\u1ea1n s\u1ed1<\/td>\n<td>Cao (80%)<\/td>\n<td>-15% c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng trong 3 n\u0103m<\/td>\n<td>Next thu h\u00fat 12,7 tri\u1ec7u kh\u00e1ch h\u00e0ng, b\u00f9 \u0111\u1eafp t\u1ed5n th\u1ea5t<\/td>\n<td>Cao (75% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td>\n<\/tr>\n<tr>\n<td>Suy tho\u00e1i kinh t\u1ebf<\/td>\n<td>Trung b\u00ecnh (35%)<\/td>\n<td>+2,5 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n<\/td>\n<td>D\u1ef1 ph\u00f2ng 218% v\u00e0 h\u1ed7n h\u1ee3p t\u00edn d\u1ee5ng b\u1ea3o th\u1ee7 h\u01a1n<\/td>\n<td>Trung b\u00ecnh (60% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td>\n<\/tr>\n<tr>\n<td>Thay \u0111\u1ed5i quy \u0111\u1ecbnh<\/td>\n<td>Cao (90%)<\/td>\n<td>-8% doanh thu d\u1ecbch v\u1ee5<\/td>\n<td>Ph\u00e1t tri\u1ec3n 14 d\u00f2ng doanh thu m\u1edbi kh\u00f4ng b\u1ecb \u0111i\u1ec1u ch\u1ec9nh<\/td>\n<td>Trung b\u00ecnh (55% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td>\n<\/tr>\n<tr>\n<td>\u00c1p l\u1ef1c bi\u00ean<\/td>\n<td>Cao (85%)<\/td>\n<td>-0,8 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong ch\u00eanh l\u1ec7ch ng\u00e2n h\u00e0ng<\/td>\n<td>C\u1eaft gi\u1ea3m 2,3 t\u1ef7 R$ chi ph\u00ed v\u00e0 t\u0103ng kh\u1ed1i l\u01b0\u1ee3ng<\/td>\n<td>Cao (80% r\u1ee7i ro \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>K\u1ebft lu\u1eadn: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco n\u0103m 2024?<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Sau khi ph\u00e2n t\u00edch to\u00e0n di\u1ec7n c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn Bradesco, ch\u00fang t\u00f4i k\u1ebft lu\u1eadn r\u1eb1ng c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 c\u00f3 t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn thu\u1eadn l\u1ee3i trong b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi ba h\u1ed3 s\u01a1 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee5 th\u1ec3.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Bradesco th\u1ec3 hi\u1ec7n n\u0103m \u0111i\u1ec3m m\u1ea1nh c\u01a1 b\u1ea3n: \u0111\u1ecbnh gi\u00e1 th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed (P\/E 6,8x so v\u1edbi 8,5x), l\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c h\u1ea5p d\u1eabn 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu h\u00e0ng n\u0103m), n\u1ee3 qu\u00e1 h\u1ea1n \u0111ang tr\u00ean \u0111\u00e0 gi\u1ea3m (4,2% v\u00e0 xu h\u01b0\u1edbng gi\u1ea3m), chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u1edbi k\u1ebft qu\u1ea3 \u0111o l\u01b0\u1eddng \u0111\u01b0\u1ee3c (ti\u1ebft ki\u1ec7m 1,1 t\u1ef7 R$ chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng), v\u00e0 ti\u1ebfp x\u00fac c\u00e2n b\u1eb1ng v\u1edbi c\u00e1c ng\u00e0nh c\u1ee7a n\u1ec1n kinh t\u1ebf Brazil c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng l\u1edbn nh\u1ea5t trong 2024-2025.<\/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 t\u00ecm ki\u1ebfm thu nh\u1eadp v\u00e0 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh, vi\u1ec7c mua c\u1ed5 phi\u1ebfu Bradesco \u1edf m\u1ee9c hi\u1ec7n t\u1ea1i (14,00 R$-14,50 R$) \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u01a1 h\u1ed9i v\u1edbi bi\u00ean \u0111\u1ed9 an to\u00e0n \u0111\u00e1ng k\u1ec3. Chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb k\u1ebft h\u1ee3p \u0111\u00f3ng g\u00f3p th\u01b0\u1eddng xuy\u00ean v\u1edbi vi\u1ec7c t\u1eadn d\u1ee5ng c\u00e1c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 t\u00edch l\u0169y t\u1ea1i c\u00e1c h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 (13,80 R$-13,90 R$), nh\u1eb1m \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1ed5ng l\u1ee3i nhu\u1eadn (c\u1ed5 t\u1ee9c + t\u0103ng gi\u00e1) t\u1eeb 14% \u0111\u1ebfn 18% trong 12 th\u00e1ng t\u1edbi.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Pocket Option cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 c\u1ee5 th\u1ec3 cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 Brazil quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu Bradesco, bao g\u1ed3m c\u1ea3nh b\u00e1o c\u00e1 nh\u00e2n h\u00f3a cho c\u00e1c m\u1ee9c k\u1ef9 thu\u1eadt \u0111\u00e3 \u0111\u1ec1 c\u1eadp (13,85 R$, 14,20 R$, 15,20 R$, v\u00e0 16,50 R$), m\u00e1y t\u00ednh l\u1ee3i nhu\u1eadn v\u1edbi t\u00e1i \u0111\u1ea7u t\u01b0 c\u1ed5 t\u1ee9c, v\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft k\u1ebft qu\u1ea3 h\u00e0ng qu\u00fd ngay khi ch\u00fang \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, cho ph\u00e9p \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>B\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil n\u0103m 2024: Chuy\u1ec3n \u0111\u1ed5i t\u0103ng t\u1ed1c<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ng\u00e0nh ng\u00e2n h\u00e0ng Brazil kh\u00f4ng c\u00f2n nh\u01b0 n\u0103m n\u0103m tr\u01b0\u1edbc. S\u1ed1 h\u00f3a kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng, m\u00e0 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, v\u1edbi 68% giao d\u1ecbch ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1. Trong b\u1ed1i c\u1ea3nh m\u1edbi n\u00e0y, vi\u1ec7c c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco hay kh\u00f4ng \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00e2u h\u1ecfi chi\u1ebfn l\u01b0\u1ee3c cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm s\u1ef1 ti\u1ebfp x\u00fac v\u1edbi ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n l\u1edbn th\u1ee9 hai c\u1ee7a Brazil, chi\u1ebfm 8,2% ch\u1ec9 s\u1ed1 Ibovespa v\u1edbi thanh kho\u1ea3n trung b\u00ecnh h\u00e0ng ng\u00e0y l\u00e0 450 tri\u1ec7u R$.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>V\u00e0o th\u00e1ng 4 n\u0103m 2024, b\u1ed1i c\u1ea3nh ng\u00e2n h\u00e0ng Brazil tr\u00ecnh b\u00e0y c\u00e1c \u0111\u01b0\u1eddng n\u00e9t c\u1ee5 th\u1ec3: l\u00e3i su\u1ea5t Selic \u1edf m\u1ee9c 10,75% sau m\u1ed9t chu k\u1ef3 t\u0103ng li\u00ean ti\u1ebfp 12 l\u1ea7n, l\u1ea1m ph\u00e1t dai d\u1eb3ng \u1edf m\u1ee9c 4,2% m\u1ed7i n\u0103m v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf d\u1ef1 ki\u1ebfn l\u00e0 2,3% cho n\u0103m 2024. C\u00e1c nh\u00e0 ph\u00e2n t\u00edch c\u1ee7a Pocket Option \u0111\u00e3 x\u00e1c \u0111\u1ecbnh r\u1eb1ng Bradesco \u0111\u00e3 th\u1ef1c hi\u1ec7n ba chi\u1ebfn l\u01b0\u1ee3c ch\u00ednh \u0111\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi m\u00f4i tr\u01b0\u1eddng n\u00e0y: gi\u1ea3m 12% m\u1ea1ng l\u01b0\u1edbi v\u1eadt l\u00fd c\u1ee7a m\u00ecnh (428 chi nh\u00e1nh \u0111\u00e3 \u0111\u00f3ng c\u1eeda t\u1eeb n\u0103m 2022), t\u0103ng 36% \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 m\u1edf r\u1ed9ng m\u1ea1nh m\u1ebd trong ph\u00e2n kh\u00fac cho vay tr\u1ea3 l\u01b0\u01a1ng (+18% trong 12 th\u00e1ng).<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ch\u1ee5p X-quang t\u00e0i ch\u00ednh c\u1ee7a Bradesco: Nh\u1eefng con s\u1ed1 ti\u1ebft l\u1ed9 xu h\u01b0\u1edbng<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>K\u1ebft qu\u1ea3 t\u00e0i ch\u00ednh g\u1ea7n \u0111\u00e2y c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh r\u00f5 r\u00e0ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco trong th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i hay kh\u00f4ng.<\/p>\n<\/div>\n<div class='po-container po-container_width_article po-article-page__table'>\n<div class='po-table'>\n<table>\n<thead>\n<tr>\n<th>Ch\u1ec9 s\u1ed1<\/th>\n<th>2023<\/th>\n<th>2024 (c\u00f4ng b\u1ed1 m\u1edbi nh\u1ea5t)<\/th>\n<th>Bi\u1ebfn \u0111\u1ed9ng (%)<\/th>\n<th>T\u00e1c \u0111\u1ed9ng l\u00ean c\u1ed5 phi\u1ebfu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>L\u1ee3i nhu\u1eadn r\u00f2ng (t\u1ef7 R$)<\/td>\n<td>21.1<\/td>\n<td>22.4<\/td>\n<td>+6.2%<\/td>\n<td>T\u00edch c\u1ef1c &#8211; t\u0103ng tr\u01b0\u1edfng tr\u00ean l\u1ea1m ph\u00e1t<\/td>\n<\/tr>\n<tr>\n<td>ROE (%)<\/td>\n<td>16.8<\/td>\n<td>17.2<\/td>\n<td>+0.4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>Trung b\u00ecnh &#8211; c\u1ea3i thi\u1ec7n bi\u00ean l\u1ee3i nhu\u1eadn<\/td>\n<\/tr>\n<tr>\n<td>D\u01b0 n\u1ee3 t\u00edn d\u1ee5ng (t\u1ef7 R$)<\/td>\n<td>1.08<\/td>\n<td>1.14<\/td>\n<td>+5.6%<\/td>\n<td>T\u00edch c\u1ef1c &#8211; m\u1edf r\u1ed9ng b\u1ec1n v\u1eefng<\/td>\n<\/tr>\n<tr>\n<td>T\u1ef7 l\u1ec7 hi\u1ec7u qu\u1ea3 (%)<\/td>\n<td>43.4<\/td>\n<td>41.8<\/td>\n<td>-1.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>R\u1ea5t t\u00edch c\u1ef1c &#8211; ti\u1ebft ki\u1ec7m 1,8 t\u1ef7 R$ chi ph\u00ed<\/td>\n<\/tr>\n<tr>\n<td>N\u1ee3 qu\u00e1 h\u1ea1n +90 ng\u00e0y (%)<\/td>\n<td>4.8<\/td>\n<td>4.2<\/td>\n<td>-0.6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/td>\n<td>R\u1ea5t t\u00edch c\u1ef1c &#8211; gi\u1ea3m 850 tri\u1ec7u R$ d\u1ef1 ph\u00f2ng<\/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'>Nh\u1eefng con s\u1ed1 n\u00e0y cho th\u1ea5y m\u1ed9t ng\u00e2n h\u00e0ng \u0111ang ph\u1ee5c h\u1ed3i sau ba n\u0103m kh\u00f3 kh\u0103n 2020-2022. C\u1ea3i thi\u1ec7n 0,6 \u0111i\u1ec3m ph\u1ea7n tr\u0103m trong n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ea1i di\u1ec7n cho ti\u1ebft ki\u1ec7m kho\u1ea3ng 850 tri\u1ec7u R$ trong d\u1ef1 ph\u00f2ng, \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn. T\u0103ng tr\u01b0\u1edfng 5,6% trong d\u01b0 n\u1ee3 t\u00edn d\u1ee5ng, t\u1eadp trung v\u00e0o c\u00e1c d\u00f2ng \u00edt r\u1ee7i ro h\u01a1n (b\u1ea5t \u0111\u1ed9ng s\u1ea3n +14% v\u00e0 cho vay tr\u1ea3 l\u01b0\u01a1ng +18%), ti\u1ebft l\u1ed9 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c m\u1edf r\u1ed9ng c\u00f3 t\u00ednh to\u00e1n v\u1edbi ki\u1ec3m so\u00e1t r\u1ee7i ro.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>Bradesco so v\u1edbi \u0111\u1ed1i th\u1ee7: Ai d\u1eabn \u0111\u1ea7u n\u0103m 2024?<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ec3 \u0111\u1eb7t Bradesco v\u00e0o b\u1ed1i c\u1ea3nh, ch\u00fang t\u00f4i \u0111\u00e3 so s\u00e1nh c\u00e1c ch\u1ec9 s\u1ed1 ch\u00ednh v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 ch\u00ednh c\u1ee7a n\u00f3 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2024:<\/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>Ng\u00e2n h\u00e0ng<\/th>\n<th>ROE (%)<\/th>\n<th>T\u1ef7 l\u1ec7 P\/E<\/th>\n<th>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c (%)<\/th>\n<th>T\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn h\u00e0ng n\u0103m (%)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Bradesco<\/td>\n<td>17.2<\/td>\n<td>6.8<\/td>\n<td>5.4<\/td>\n<td>6.2<\/td>\n<\/tr>\n<tr>\n<td>Ita\u00fa Unibanco<\/td>\n<td>19.8<\/td>\n<td>7.5<\/td>\n<td>5.1<\/td>\n<td>8.7<\/td>\n<\/tr>\n<tr>\n<td>Santander Brasil<\/td>\n<td>15.9<\/td>\n<td>6.2<\/td>\n<td>4.9<\/td>\n<td>3.5<\/td>\n<\/tr>\n<tr>\n<td>Banco do Brasil<\/td>\n<td>21.2<\/td>\n<td>4.3<\/td>\n<td>7.8<\/td>\n<td>10.2<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>So s\u00e1nh n\u00e0y cho th\u1ea5y Bradesco \u0111\u1ee9ng \u1edf v\u1ecb tr\u00ed th\u1ee9 ba v\u1ec1 l\u1ee3i nhu\u1eadn trong s\u1ed1 b\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t Brazil. L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c c\u1ee7a n\u00f3 l\u00e0 5,4% (1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua) v\u01b0\u1ee3t qu\u00e1 m\u1ee9c trung b\u00ecnh c\u1ee7a ng\u00e0nh l\u00e0 4,8%, \u0111\u1ea1i di\u1ec7n cho l\u1ee3i nhu\u1eadn cao h\u01a1n 51% so v\u1edbi t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m hi\u1ec7n t\u1ea1i v\u00e0 26% tr\u00ean Selic Kho b\u1ea1c. Pocket Option nh\u1ea5n m\u1ea1nh l\u1ee3i su\u1ea5t n\u00e0y l\u00e0 m\u1ed9t \u0111i\u1ec3m m\u1ea1nh cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u00ecm ki\u1ebfm thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng \u1ed5n \u0111\u1ecbnh tr\u00ean th\u1ecb tr\u01b0\u1eddng Brazil.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1ed5 phi\u1ebfu Bradesco: \u0110i\u1ec3m v\u00e0o v\u00e0 ra \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4) v\u00e0 ph\u1ed5 th\u00f4ng (BBDC3) c\u1ee7a Bradesco ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m l\u00fd t\u01b0\u1edfng \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco v\u1edbi t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn t\u1ed1t nh\u1ea5t.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Trong 12 th\u00e1ng qua, BBDC4 \u0111\u00e3 h\u00ecnh th\u00e0nh m\u1ed9t k\u00eanh ngang r\u00f5 r\u00e0ng, dao \u0111\u1ed9ng gi\u1eefa 13,80 R$ v\u00e0 16,50 R$. Ph\u00e2n t\u00edch 90 ng\u00e0y qua ti\u1ebft l\u1ed9:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>H\u1ed7 tr\u1ee3 ch\u00ednh \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m ba l\u1ea7n \u1edf m\u1ee9c 13,80-13,90 R$, v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng cao h\u01a1n 68% so v\u1edbi trung b\u00ecnh \u1edf c\u00e1c v\u00f9ng h\u1ed7 tr\u1ee3<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Kh\u00e1ng c\u1ef1 quan tr\u1ecdng \u1edf m\u1ee9c 16,50 R$, b\u1ecb t\u1eeb ch\u1ed1i hai l\u1ea7n v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng gi\u1ea3m (t\u00edn hi\u1ec7u t\u00edch c\u1ef1c)<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>Giao c\u1eaft g\u1ea7n \u0111\u00e2y c\u1ee7a c\u00e1c \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 50 v\u00e0 200 ng\u00e0y (Golden Cross), h\u00ecnh th\u00e0nh v\u00e0o ng\u00e0y 24\/03\/2024, b\u00e1o hi\u1ec7u kh\u1ea3 n\u0103ng thay \u0111\u1ed5i xu h\u01b0\u1edbng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>RSI (14) di chuy\u1ec3n t\u1eeb v\u00f9ng qu\u00e1 b\u00e1n (32) \u0111\u1ebfn trung l\u1eadp (45), cho th\u1ea5y s\u1ef1 c\u1ea3i thi\u1ec7n \u0111\u1ed9ng l\u01b0\u1ee3ng<\/li>\n<\/ul>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>C\u00e1c m\u00f4 h\u00ecnh k\u1ef9 thu\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho th\u1ea5y m\u1ed9t th\u1eddi \u0111i\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng thu\u1eadn l\u1ee3i \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco g\u1ea7n h\u1ed7 tr\u1ee3 13,90 R$, v\u1edbi \u0111i\u1ec3m d\u1eebng l\u1ed7 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u1edf m\u1ee9c 13,50 R$ (-2,9%) v\u00e0 m\u1ee5c ti\u00eau \u0111\u1ea7u ti\u00ean \u1edf m\u1ee9c 15,20 R$ (+9,3%), cung c\u1ea5p t\u1ef7 l\u1ec7 r\u1ee7i ro-l\u1ee3i nhu\u1eadn l\u00e0 1:3,2. C\u00e1c chuy\u00ean gia c\u1ee7a Pocket Option khuy\u1ebfn ngh\u1ecb c\u00e1c m\u1ee5c nh\u1eadp ph\u00e2n \u0111o\u1ea1n \u1edf c\u00e1c m\u1ee9c 14,20 R$, 14,00 R$, v\u00e0 13,85 R$ \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro th\u1ef1c hi\u1ec7n.<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h3 class='po-article-page__title'>M\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u00f3 x\u00e1c su\u1ea5t cao<\/h3>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>Ba m\u00f4 h\u00ecnh bi\u1ec3u \u0111\u1ed3 c\u1ee5 th\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng di chuy\u1ec3n theo h\u01b0\u1edbng trong c\u1ed5 phi\u1ebfu Bradesco:<\/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>M\u00f4 h\u00ecnh<\/th>\n<th>H\u00e0m \u00fd<\/th>\n<th>X\u00e1c su\u1ea5t th\u00e0nh c\u00f4ng l\u1ecbch s\u1eed<\/th>\n<th>Ti\u1ec1m n\u0103ng t\u0103ng gi\u00e1<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0110\u00e1y \u0111\u00f4i t\u1ea1i 13,85 R$<\/td>\n<td>\u0110\u1ea3o chi\u1ec1u t\u1eeb xu h\u01b0\u1edbng gi\u1ea3m sang xu h\u01b0\u1edbng t\u0103ng trong 3-5 tu\u1ea7n<\/td>\n<td>72% (d\u1ef1a tr\u00ean 8 m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1 g\u1ea7n \u0111\u00e2y)<\/td>\n<td>+12% \u0111\u1ebfn +18%<\/td>\n<\/tr>\n<tr>\n<td>Tam gi\u00e1c \u0111\u1ed1i x\u1ee9ng (h\u1ed9i t\u1ee5 v\u00e0o 28\/04)<\/td>\n<td>Ph\u00e1 v\u1ee1 theo h\u01b0\u1edbng v\u00e0o 15\/05<\/td>\n<td>83% x\u00e1c su\u1ea5t t\u0103ng<\/td>\n<td>+8% \u0111\u1ebfn +15%<\/td>\n<\/tr>\n<tr>\n<td>H\u1ed7 tr\u1ee3 t\u1ea1i \u0111\u01b0\u1eddng trung b\u00ecnh \u0111\u1ed9ng 200 ng\u00e0y<\/td>\n<td>Duy tr\u00ec xu h\u01b0\u1edbng d\u00e0i h\u1ea1n<\/td>\n<td>91% hi\u1ec7u qu\u1ea3 trong 5 n\u0103m qua<\/td>\n<td>+6% \u0111\u1ebfn +10% trong 30-45 ng\u00e0y<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<h2 class='po-article-page__title'>Ph\u00e2n t\u00edch c\u01a1 b\u1ea3n: C\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco d\u1ef1a tr\u00ean c\u01a1 b\u1ea3n?<\/h2>\n<\/div>\n<div class='po-container po-container_width_article-sm'>\n<p class='po-article-page__text'>\u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 trung v\u00e0 d\u00e0i h\u1ea1n, ph\u00e2n t\u00edch c\u01a1 b\u1ea3n l\u00e0 quy\u1ebft \u0111\u1ecbnh. C\u00e1c ch\u1ec9 s\u1ed1 c\u1ee7a Bradesco v\u00e0o th\u00e1ng 4 n\u0103m 2024 ti\u1ebft l\u1ed9 c\u00e1c t\u00edn hi\u1ec7u c\u1ee5 th\u1ec3:<\/p>\n<\/div>\n<div class='po-container po-container_width_article-sm article-content po-article-page__text'>\n<ul class='po-article-page-list'>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/E hi\u1ec7n t\u1ea1i l\u00e0 6,8x th\u1ea5p h\u01a1n 20% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 8,5x, cho th\u1ea5y ti\u1ec1m n\u0103ng t\u00e1i \u0111\u1ecbnh gi\u00e1 3,40 R$ m\u1ed7i c\u1ed5 phi\u1ebfu<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>P\/B l\u00e0 1,2x \u0111\u1ea1i di\u1ec7n cho m\u1ee9c chi\u1ebft kh\u1ea5u 14,3% so v\u1edbi trung b\u00ecnh l\u1ecbch s\u1eed l\u00e0 1,4x<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>L\u1ee3i su\u1ea5t c\u1ed5 t\u1ee9c 5,4% t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1,02 R$ m\u1ed7i c\u1ed5 phi\u1ebfu trong 12 th\u00e1ng qua, v\u1edbi ch\u00ednh s\u00e1ch ph\u00e2n ph\u1ed1i h\u00e0ng th\u00e1ng<\/li>\n<li class='po-article-page__text po-article-page__text_no-margin po-list-lvl_1'>ROE l\u00e0 17,2% v\u01b0\u1ee3t qu\u00e1 chi ph\u00ed v\u1ed1n \u01b0\u1edbc t\u00ednh l\u00e0 14,8%, t\u1ea1o ra gi\u00e1 tr\u1ecb kinh t\u1ebf d\u01b0\u01a1ng 2,4 \u0111i\u1ec3m ph\u1ea7n tr\u0103m<\/li>\n<\/ul>\n<p><\/di\n<\/p>\n"},"faq":[{"question":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco l\u00e0 khi b\u1ea1n \u0111\u00e3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 th\u1ecb tr\u01b0\u1eddng, ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00f4ng ty, v\u00e0 x\u00e1c \u0111\u1ecbnh r\u1eb1ng gi\u00e1 c\u1ed5 phi\u1ebfu \u0111ang \u1edf m\u1ee9c h\u1ea5p d\u1eabn. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c theo d\u00f5i c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a Bradesco, tin t\u1ee9c ng\u00e0nh ng\u00e2n h\u00e0ng, v\u00e0 c\u00e1c xu h\u01b0\u1edbng kinh t\u1ebf to\u00e0n c\u1ea7u. Ngo\u00e0i ra, vi\u1ec7c tham kh\u1ea3o \u00fd ki\u1ebfn t\u1eeb c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u0169ng c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh.","answer":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t ph\u1ee5 thu\u1ed9c v\u00e0o chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, nh\u1eefng l\u00fac gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m m\u1ea1nh c\u00f3 th\u1ec3 \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i t\u1ed1t, \u0111\u1eb7c bi\u1ec7t khi c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng v\u1eabn v\u1eefng ch\u1eafc. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch, c\u00e1c \u0111i\u1ec3m k\u1ef9 thu\u1eadt nh\u01b0 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn ho\u1eb7c ph\u00e1 v\u1ee1 kh\u00e1ng c\u1ef1 c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng t\u00edn hi\u1ec7u li\u00ean quan. Pocket Option cung c\u1ea5p c\u00e1c ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1eadp nh\u1eadt c\u00f3 th\u1ec3 gi\u00fap x\u00e1c \u0111\u1ecbnh nh\u1eefng th\u1eddi \u0111i\u1ec3m n\u00e0y."},{"question":"C\u1ed5 t\u1ee9c c\u1ee7a Bradesco \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i nh\u01b0 th\u1ebf n\u00e0o?","answer":"Bradesco truy\u1ec1n th\u1ed1ng ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng, v\u1edbi m\u1ee9c chi tr\u1ea3 t\u1ed1i thi\u1ec3u l\u00e0 30% thu nh\u1eadp r\u00f2ng \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh, nh\u01b0 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u00ecnh. Tr\u00ean th\u1ef1c t\u1ebf, ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e2n ph\u1ed1i t\u1ef7 l\u1ec7 cao h\u01a1n, th\u01b0\u1eddng t\u1eeb 40-50% l\u1ee3i nhu\u1eadn. C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c tr\u1ea3 cho c\u1ea3 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng (BBDC3) v\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4), v\u1edbi c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i th\u01b0\u1eddng nh\u1eadn \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb cao h\u01a1n 10%."},{"question":"S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o BBDC3 v\u00e0 BBDC4 l\u00e0 g\u00ec?","answer":"BBDC3 l\u00e0 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng, mang l\u1ea1i quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp c\u1ed5 \u0111\u00f4ng. BBDC4 l\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i, kh\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft nh\u01b0ng \u0111\u01b0\u1ee3c \u01b0u ti\u00ean trong vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c (th\u01b0\u1eddng cao h\u01a1n 10% so v\u1edbi c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng) v\u00e0 c\u00f3 xu h\u01b0\u1edbng c\u00f3 t\u00ednh thanh kho\u1ea3n cao h\u01a1n tr\u00ean th\u1ecb tr\u01b0\u1eddng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c v\u00e0 kh\u00f4ng \u01b0u ti\u00ean tham gia v\u00e0o c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty, BBDC4 th\u01b0\u1eddng l\u00e0 l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn nh\u1ea5t."},{"question":"C\u1ed5 phi\u1ebfu Bradesco c\u00f3 ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n kh\u00f4ng?","answer":"C\u00f3, c\u1ed5 phi\u1ebfu Bradesco \u0111\u01b0\u1ee3c coi l\u00e0 ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u do t\u00ednh thanh kho\u1ea3n cao, gi\u00fap d\u1ec5 d\u00e0ng mua v\u00e0 b\u00e1n m\u00e0 kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn gi\u00e1, v\u00e0 t\u00ednh d\u1ef1 \u0111o\u00e1n t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c th\u01b0\u1eddng xuy\u00ean cung c\u1ea5p m\u1ed9t d\u00f2ng thu nh\u1eadp c\u00f3 th\u1ec3 th\u00fa v\u1ecb cho nh\u1eefng ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u. Pocket Option cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u gi\u00e1o d\u1ee5c c\u1ee5 th\u1ec3 \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Brazil."},{"question":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a Bradesco c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 nh\u01b0 th\u1ebf n\u00e0o?","answer":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a Bradesco theo nhi\u1ec1u c\u00e1ch: gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh (\u00edt chi nh\u00e1nh v\u1eadt l\u00fd h\u01a1n v\u00e0 quy tr\u00ecnh hi\u1ec7u qu\u1ea3 h\u01a1n), t\u0103ng c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 Next, ph\u00e1t tri\u1ec3n c\u00e1c ngu\u1ed3n doanh thu m\u1edbi, v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, gi\u1ea3m t\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng r\u1eddi b\u1ecf. Th\u00e0nh c\u00f4ng trong c\u00e1c s\u00e1ng ki\u1ebfn n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c th\u1ecb tr\u01b0\u1eddng \u0111\u00e1nh gi\u00e1 l\u1ea1i h\u1ec7 s\u1ed1 P\/E c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f3 kh\u1ea3 n\u0103ng th\u00fac \u0111\u1ea9y gi\u00e1 c\u1ed5 phi\u1ebfu trong trung v\u00e0 d\u00e0i h\u1ea1n."}],"faq_source":{"label":"FAQ","type":"repeater","formatted_value":[{"question":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t \u0111\u1ec3 mua c\u1ed5 phi\u1ebfu Bradesco l\u00e0 khi b\u1ea1n \u0111\u00e3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u k\u1ef9 l\u01b0\u1ee1ng v\u1ec1 th\u1ecb tr\u01b0\u1eddng, ph\u00e2n t\u00edch c\u00e1c y\u1ebfu t\u1ed1 kinh t\u1ebf v\u00e0 t\u00e0i ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00f4ng ty, v\u00e0 x\u00e1c \u0111\u1ecbnh r\u1eb1ng gi\u00e1 c\u1ed5 phi\u1ebfu \u0111ang \u1edf m\u1ee9c h\u1ea5p d\u1eabn. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c theo d\u00f5i c\u00e1c b\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a Bradesco, tin t\u1ee9c ng\u00e0nh ng\u00e2n h\u00e0ng, v\u00e0 c\u00e1c xu h\u01b0\u1edbng kinh t\u1ebf to\u00e0n c\u1ea7u. Ngo\u00e0i ra, vi\u1ec7c tham kh\u1ea3o \u00fd ki\u1ebfn t\u1eeb c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u0169ng c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh.","answer":"Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t ph\u1ee5 thu\u1ed9c v\u00e0o chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, nh\u1eefng l\u00fac gi\u00e1 c\u1ed5 phi\u1ebfu gi\u1ea3m m\u1ea1nh c\u00f3 th\u1ec3 \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i t\u1ed1t, \u0111\u1eb7c bi\u1ec7t khi c\u00e1c y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a ng\u00e2n h\u00e0ng v\u1eabn v\u1eefng ch\u1eafc. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 giao d\u1ecbch, c\u00e1c \u0111i\u1ec3m k\u1ef9 thu\u1eadt nh\u01b0 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn ho\u1eb7c ph\u00e1 v\u1ee1 kh\u00e1ng c\u1ef1 c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng t\u00edn hi\u1ec7u li\u00ean quan. Pocket Option cung c\u1ea5p c\u00e1c ph\u00e2n t\u00edch k\u1ef9 thu\u1eadt c\u1eadp nh\u1eadt c\u00f3 th\u1ec3 gi\u00fap x\u00e1c \u0111\u1ecbnh nh\u1eefng th\u1eddi \u0111i\u1ec3m n\u00e0y."},{"question":"C\u1ed5 t\u1ee9c c\u1ee7a Bradesco \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i nh\u01b0 th\u1ebf n\u00e0o?","answer":"Bradesco truy\u1ec1n th\u1ed1ng ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c h\u00e0ng th\u00e1ng, v\u1edbi m\u1ee9c chi tr\u1ea3 t\u1ed1i thi\u1ec3u l\u00e0 30% thu nh\u1eadp r\u00f2ng \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh, nh\u01b0 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u l\u1ec7 c\u1ee7a m\u00ecnh. Tr\u00ean th\u1ef1c t\u1ebf, ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e2n ph\u1ed1i t\u1ef7 l\u1ec7 cao h\u01a1n, th\u01b0\u1eddng t\u1eeb 40-50% l\u1ee3i nhu\u1eadn. C\u1ed5 t\u1ee9c \u0111\u01b0\u1ee3c tr\u1ea3 cho c\u1ea3 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng (BBDC3) v\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i (BBDC4), v\u1edbi c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i th\u01b0\u1eddng nh\u1eadn \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb cao h\u01a1n 10%."},{"question":"S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o BBDC3 v\u00e0 BBDC4 l\u00e0 g\u00ec?","answer":"BBDC3 l\u00e0 c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng, mang l\u1ea1i quy\u1ec1n bi\u1ec3u quy\u1ebft t\u1ea1i c\u00e1c cu\u1ed9c h\u1ecdp c\u1ed5 \u0111\u00f4ng. BBDC4 l\u00e0 c\u1ed5 phi\u1ebfu \u01b0u \u0111\u00e3i, kh\u00f4ng c\u00f3 quy\u1ec1n bi\u1ec3u quy\u1ebft nh\u01b0ng \u0111\u01b0\u1ee3c \u01b0u ti\u00ean trong vi\u1ec7c ph\u00e2n ph\u1ed1i c\u1ed5 t\u1ee9c (th\u01b0\u1eddng cao h\u01a1n 10% so v\u1edbi c\u1ed5 phi\u1ebfu ph\u1ed5 th\u00f4ng) v\u00e0 c\u00f3 xu h\u01b0\u1edbng c\u00f3 t\u00ednh thanh kho\u1ea3n cao h\u01a1n tr\u00ean th\u1ecb tr\u01b0\u1eddng. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1eadp trung v\u00e0o c\u1ed5 t\u1ee9c v\u00e0 kh\u00f4ng \u01b0u ti\u00ean tham gia v\u00e0o c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty, BBDC4 th\u01b0\u1eddng l\u00e0 l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn nh\u1ea5t."},{"question":"C\u1ed5 phi\u1ebfu Bradesco c\u00f3 ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n kh\u00f4ng?","answer":"C\u00f3, c\u1ed5 phi\u1ebfu Bradesco \u0111\u01b0\u1ee3c coi l\u00e0 ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u do t\u00ednh thanh kho\u1ea3n cao, gi\u00fap d\u1ec5 d\u00e0ng mua v\u00e0 b\u00e1n m\u00e0 kh\u00f4ng g\u00e2y \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn gi\u00e1, v\u00e0 t\u00ednh d\u1ef1 \u0111o\u00e1n t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, ch\u00ednh s\u00e1ch c\u1ed5 t\u1ee9c th\u01b0\u1eddng xuy\u00ean cung c\u1ea5p m\u1ed9t d\u00f2ng thu nh\u1eadp c\u00f3 th\u1ec3 th\u00fa v\u1ecb cho nh\u1eefng ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u. Pocket Option cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u gi\u00e1o d\u1ee5c c\u1ee5 th\u1ec3 \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi quan t\u00e2m \u0111\u1ebfn c\u1ed5 phi\u1ebfu ng\u00e2n h\u00e0ng Brazil."},{"question":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a Bradesco c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a n\u00f3 nh\u01b0 th\u1ebf n\u00e0o?","answer":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn gi\u00e1 tr\u1ecb c\u1ed5 phi\u1ebfu c\u1ee7a Bradesco theo nhi\u1ec1u c\u00e1ch: gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh (\u00edt chi nh\u00e1nh v\u1eadt l\u00fd h\u01a1n v\u00e0 quy tr\u00ecnh hi\u1ec7u qu\u1ea3 h\u01a1n), t\u0103ng c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 Next, ph\u00e1t tri\u1ec3n c\u00e1c ngu\u1ed3n doanh thu m\u1edbi, v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, gi\u1ea3m t\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng r\u1eddi b\u1ecf. Th\u00e0nh c\u00f4ng trong c\u00e1c s\u00e1ng ki\u1ebfn n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c th\u1ecb tr\u01b0\u1eddng \u0111\u00e1nh gi\u00e1 l\u1ea1i h\u1ec7 s\u1ed1 P\/E c\u1ee7a ng\u00e2n h\u00e0ng, c\u00f3 kh\u1ea3 n\u0103ng th\u00fac \u0111\u1ea9y gi\u00e1 c\u1ed5 phi\u1ebfu trong trung v\u00e0 d\u00e0i h\u1ea1n."}]}},"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\u00f3 n\u00ean mua c\u1ed5 phi\u1ebfu Bradesco: 5 y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 t\u1ea1o ra l\u1ee3i nhu\u1eadn 18% v\u00e0o n\u0103m 2024<\/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\/it-is-worth-buying-bradesco-stocks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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