Serasa Experian同期发布的《2025年身份与欺诈报告》也显示，信用卡诈骗为最常见的欺诈形式， 53.8%的巴西受访者表示自己或亲友曾遭遇此类情况。此外，27.5%的受访者认为该类型欺诈是他们最 担心的网络安全威胁。 报告显示，除银行与信用卡，其他高风险领域还包括服务业、金融机构、通信业和零售业，欺诈尝试分 别为31.9%、6.7%、5.7%和1.7%，反映出目前巴西金融及周边服务业面临的广泛欺诈风险。 据估算，若上述欺诈企图全部得手，将对巴西金融体系造成超过157亿雷亚尔（约合人民币204亿元）的 潜在经济损失。数据显示，银行与信用卡领域占巴西全国所有欺诈尝试的54%。 （文章来源：新华财经） "银行和信用卡行业依然是巴西数字欺诈的'震中'，且网络犯罪分子的诈骗手段日趋复杂。"Serasa Experian身份验证与欺诈防控部门负责人卡约·罗查（Caio Rocha）表示，"要有效保护数以百万计的金融 交易，就必须持续投入实时行为识别技术，从而降低风险、减少损失、增强公众对金融体系的信任。" 成立于1968年的Serasa是巴西的信用和数据分析机构，2007年被全球数据服务公司Experian集 ...

More than 5 years of experience in equity analysis in LatAm. We provide our clients with in-depth research and insights to help them make informed investment decisions.Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relat ...

Investors interested in Banks - Foreign stocks are likely familiar with Banco Do Brasil SA (BDORY) and Sumitomo Mitsui (SMFG) . But which of these two stocks presents investors with the better value opportunity right now? Let's take a closer look.There are plenty of strategies for discovering value stocks, but we have found that pairing a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system produces the best returns. The Zacks Rank favors stocks with strong earnings es ...

Core Insights - The article compares Banco Do Brasil SA (BDORY) and Sumitomo Mitsui (SMFG) to determine which stock offers better value for investors [1] Valuation Metrics - BDORY has a forward P/E ratio of 4.14, significantly lower than SMFG's forward P/E of 41.13 [5] - BDORY's PEG ratio is 1.47, while SMFG's PEG ratio is 2.42, indicating that BDORY may offer better value relative to its expected earnings growth [5] - BDORY's P/B ratio is 0.80, compared to SMFG's P/B of 1.04, suggesting that BDORY is undervalued in terms of market value versus book value [6] Zacks Rank and Value Grades - BDORY has a Zacks Rank of 1 (Strong Buy), while SMFG has a Zacks Rank of 2 (Buy), indicating a stronger earnings outlook for BDORY [3] - Based on various valuation metrics, BDORY holds a Value grade of B, whereas SMFG has a Value grade of D, further supporting the conclusion that BDORY is the more attractive option for value investors [6]

Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Do Brasil SA (BDORY) or United Overseas Bank Ltd. (UOVEY) . But which of these two stocks offers value investors a better bang for their buck right now? We'll need to take a closer look.Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The Zacks Rank is a proven strategy ...

Banco do Brasil ( OTCPK:BDORY ) is Brazil's main state-owned bank on the commercial and investment side, where its bullish thesis is based on dividends and a discount on its valuation versus private peers precisely because ofI am a researcher and operations manager at DM Martins Research. Previously, I contributed to TheStreet and currently write for platforms such as TipRanks and GuruFocus. Here at Seeking Alpha, my goal is to provide insightful analysis primarily on foreign equities, with a focus on emerg ...

Banco do Brasil S.A. ( OTCPK:BDORY ) reported Q4 2024 results, showing another quarter of very good earnings and a strong 21% ROE. The bank continues to look interesting at less than 1x book value, compared with 20%+ ROELong-only investment, evaluating companies from an operational, buy-and-hold perspective.Quipus Capital does not focus on market-driven dynamics and future price action. Instead, our articles focus on operational aspects, understanding the long-term earnings power of companies, the competiti ...

Click or read the QR Code for MD&A 4Q24 Earnings Release #Pública Imagem do QR Code Commitment and value generation R$ billion Adjusted Net Income 35.6 37.9 +6.6% 2024 Guidance from R$ 37 to 40 billion ROE 2024 21.4% Value Added to Society in 2024 R$85.4billion 2023 2024 2 | 21 We support our customers and strengthen our leadership 1,278.3 1,108.6 R$ 1.3 trillion Loan Portfolio Expanded View +15.3% Dec24/Dec23 Dec 23 Dec 24 Individuals R$ 336.0 billion +7.3% Dec24/Dec23 Payroll Loans 20.5% Dec24 Dec24/Dec23 ...

Banco do Brasil S.A. (OTCPK:BDORY) Q4 2024 Earnings Conference Call February 20, 2025 9:00 AM ET Company Participants Janaina Storti - Manager, IR Tarciana Medeiros - CEO Geovanne Tobias - CFO Felipe Prince - VP of Risk Conference Call Participants Daniel Vaz - Safra Tito Labarta - Goldman Sachs Renato Meloni - Autonomous Guilherme Grispen - JP Morgan Marcelo Mizrahi - Bradesco BBI Gustavo Schroden - Citi Eduardo Nishio - Genial Pedro Leduc - Itau Carlos Gomez-Lopez - HSBC Nicolas Riva - Bank of America Mer ...

Financial Data and Key Metrics Changes - The company achieved an adjusted net income of R$37.9 billion, reflecting a 6.6% increase year-on-year [10] - Total loans exceeded R$1.278 trillion at the end of 2024, marking an increase of over 15% [10] - The capital ratio closed the year at 10.89%, with expectations for an optimal range around 11% [49][50] Business Line Data and Key Metrics Changes - Loans to individuals reached R$336 billion, up 7% year-on-year, with a market share increase to over 20% in payroll loans [12] - The corporate portfolio grew significantly by 18% in 2024, with a focus on entrepreneurship as a key driver [13] - The SME portfolio exceeded R$125 billion, with advancements in specialized service models [14] - Agribusiness loans grew nearly 12%, reaching R$400 billion in January 2025 [15][48] Market Data and Key Metrics Changes - The delinquency rate in the agribusiness portfolio rose, with in-court reorganizations representing almost 20% of non-performing loans [16] - The company reported a robust capital level, with a focus on maintaining a balance between risk and return [49] Company Strategy and Development Direction - The company aims to continue sustainable and balanced credit growth, focusing on payroll loans and government programs [31] - There is a strong emphasis on digital transformation and enhancing customer experience through technology investments [19][20] - The company is committed to sustainability, having declared a sustainable portfolio with growth of almost 13% [59] Management's Comments on Operating Environment and Future Outlook - The Brazilian economic scenario is projected to show resilience with GDP growth of 2.2% and inflation at 5.6% [62] - The agricultural sector is expected to be a key driver of economic growth, with forecasts for a record harvest in 2025 [90] - Management expressed confidence in the ability to manage risks while pursuing growth opportunities in various segments [33][64] Other Important Information - The company has doubled its investment in technology over the past two years, focusing on digital skills and artificial intelligence [51][53] - The company achieved the highest Net Promoter Score (NPS) in its history, reflecting strong customer satisfaction [22] Q&A Session Summary Question: Guidance on loan portfolio growth - The company reported significant growth in company portfolios, with a focus on SMEs and large corporate clients, while being cautious in a challenging environment [72][74] Question: Provisioning levels and coverage - Management expects NPLs in the agribusiness sector to decrease, with coverage levels anticipated to rise above 200% due to new provisioning policies [87][88] Question: Insights on the agribusiness sector - Management highlighted the importance of renegotiating loans with farmers to avoid in-court reorganizations, emphasizing a constructive outlook for the sector [99][102] Question: Guidance on net interest income (NII) - The company aims to improve margins through payroll loans and expects a positive impact on client NII as the individual portfolio grows [114][116]