Alfribeiro Investment Thesis I recommend holding Banco Bradesco S.A. (NYSE:BBD) shares. The process of banking digitization and increased competition has hit the bank's results hard, which presents the most depreciated financial indicators in the sector. However, the bank's managers seem to have seen this, even if belatedly, and are making a series of changes to the company's corporate structure, processes, and culture. Despite being cheap, to make an analogy, the bank is a transatlantic ship turning around ...