Luiz Carlos Trabuco: The Bradesco Gamble That Paid Off

The Brazilian economy has matured significantly over the course of the last few decades. This has encouraged increased competition in all market segments as new entrants attempt to jostle for the higher disposable income of Brazilian consumers. That said, few market segments have experienced as much competition as the banking industry.

The private banking sector has in particular been heating up with Bradesco and Itau Unibanco fighting it out to assert market domination. While Itau Unibanco has largely claimed the title of the largest private bank in Brazil for the last seven years, Bradesco has in recent times significantly clawed back the lead and will likely become the bigger market player soon. Bradesco has been able to accomplish this seemingly impossible feat due to the guidance and management of its current president, Luiz Carlos Trabuco.

Born in the Brazilian City of Marilia, Luiz Carlos Trabuco would never have imagined that he would one day end up as one of the most influential business executives in the country. He studied philosophy at the University of Sao Paulo but took the chance on a different career path by joining Bradesco as a clerk in 1969. Interesting to note also, when it came the time to undertake his postgraduate studies, Luiz Carlos Trabuco snubbed business-related course and instead completed a socio-psychology master’s degree at Sao Paulo’s School of Sociology and Politics. He served at the bank’s branch office in his home city for only two years before moving on to a bigger challenge at its Sao Paulo headquarters. After holding a series of positions with the bank, his big break finally arrived in 2003 when he was named the president of the bank’s insurance subsidiary, Bradesco Seguros.

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Over the course of the six years that he headed Bradesco Seguros, Luiz Carlos Trabuco made it the biggest in its industry. Nearly all performance metrics at the company were higher when he left than they were when he arrived. The subsidiary’s overall contribution to the parent company’s returns grew from 26% to 35%. Luiz Carlos Trabuco’ success did not go unnoticed as he two separate occasions won the insurance personality of the year award. Most importantly, however, the bank’s board and outgoing president, Marco Cypriano saw that Luiz Carlos Trabuco could indeed make it in the big leagues and was the most suitable individual to take over when Cypriano left.

Since taking over in 2009, Luiz Carlos Trabuco has more than proven his worth to Bradesco. His first year at the bank’s helm was particularly difficult as it coincided with the global financial crisis. He, however, managed to get the bank through the economic turbulence unscathed and pushed on with an aggressive branch network expansion drive. The bank, which is cross-listed on four stock exchanges, showed its intent to wrestle market dominance from Itau Unibanco, by purchasing the mid-tier bank, HSBC for an estimated five billion dollars. The purchase significantly increased Bradesco’s size, client-base, and branch network.

Among his many endearing qualities, Luiz Carlos Trabuco’s humility particularly stands out. While his compensation at Bradesco, including bonuses, totals up to about one million dollars a month, he prefers to dress normally and admonishes excessive expressions of wealth. In fact, in 2015 when asked about his chances of placing first in banking rankings, he replied that his goal was only doing the best for the municipalities Bradesco served and not leadership. His humility also extends to his tongue as he often chooses to measure his words, often instead complementing his silence with a smile or fine humor.

Learn more about Luiz Carlos Trabuco: http://www.istoedinheiro.com.br/noticias/negocios/20151218/luiz-carlos-trabuco-cappi-empreendedor-ano-nas-financas-2015/327856

Equities First Holdings – The Right Lending Alternative for Your Small Business

Economies of many countries rely on private companies for solidness and development. In any case, to develop, extend and at last succeed, private ventures require steady and solid access to capital. Recent studies indicate that, startup businesses depend vigorously on external sources of lending, getting the biggest proportion of loans. However, getting a loan in traditional sources such as banks in today’s economic hardships may not be easier and faster. That is the reason a well managed and an experienced alternative lender; Equities First Holdings has been a reliable lending source offering stock-based loan solutions to both small enterprises and people with high stock value.

The expanded interest for fast and simple reach to working capital has attracted several lenders will to help small businesses with starting capital. However, the kind of financing provided by Equities First Holdings is much difference with those securing the loan repaying it at very small interest and may decide to keep the cash while the company retains their stock.

Beginning a Business

The normal cost to begin a business can vary from a couple of thousand dollars to over $30,000, according to your business’s nature. It is regularly hard to get endorsed for a loan as most moneylenders need to see a reputation of achievement and profits. In case you’re beginning a business and seeking for a start-up capital, ensure you know the amount needed. The Equities First Holdings program will assist you in itemizing all the expenses to incur as you begin your business.

Expansion

When you have your business off the ground and have built up a reputation of accomplishment, it might even now be hard to get an independent venture loan to fund business-development operations. However, Equities First Holdings provides a credible option whereby businesses can get their stock-based loans quickly.

 

Anheuser-Bush Is Using A Questionable Plan To Gain Market Share According To Brazilian Banker Ricardo Guimarães

Beer drinkers around the world consider their brew a necessity, especially during sports events. Ricardo Guimarães, the well-known Brazilian banker, has been involved with Brazil’s famous soccer association for years. Guimarães has a major investment in soccer and interest in the beer market. Brazilian beer is considered one of best in the world, just ask any Brazilian, but Anheuser-Bush is the largest and the most recognizable brewery in the world. When Guimarães discovered that AB InBev initiated a new incentive plan for American distributors, he immediately had concerned for smaller breweries as well as for beer consumers.

Ricardo Guimarães is an entrepreneur and investor that cares about the people that support his products. Guimarães has turned his family owned bank, the BMG Bank, into one of the most profitable small banks in the country. BMG Bank offers consumers a product called payroll loans, and the bank advertises that product by sponsoring soccer clubs and tennis players. Mr. Guimarães believes in fair competition, and he is strongly opposed to any business practice that resembles a payoff.

The AB InBev incentive plan does resemble a payoff scheme, according to the small craft breweries that are beginning to feel the impact of the plan. The United States Department of Justice was notified by a few craft breweries, and agents are in the process of examining the plan. What AB InBev is offering is a retail display and marketing reimbursement to distributors that push AB InBev craft brands.

Anheuser-Bush has acquired several craft brands over the last six years, and the company wants distributors to promote them instead of independent craft brands. Distributors that accept the plan can receive more than $200,000 a year from Anheuser-Bush.

One reason for the plan, according to Ricardo Guimarães and other industry experts, is Anheuser-Bush is losing market share to craft beers that are brewed in states around the country. Another reason is foreign breweries are buying small craft breweries and injecting money into those brands.

The result is Anheuser-Bush has lost almost 4.9 percent of its market share over the last two years. That doesn’t sound like much, but in terms of dollars, it is. Guimarães thinks young beer drinkers don’t want to drink Budweiser or Bud-Lite anymore. Bud was their parents’ beer. They want a beer they can call their own. Even though AB InBev offers several craft beers in their product line-up, young consumers associate them with big business, and millenniums are sick of big business bullying.

The AB InBev incentive plan may sound like a smart business move to AB investors, but it could be a decision that haunts them if the DOJ rules against the plan. Beer lovers want to drink a beer from a brewery that plays fair, and Anheuser-Bush may not fit that description.

You can like Ricardo Guimarães on Facebook.

Marcio Alaor Started At The Bottom…Now He’s Here

When talking of rags to riches stories in Brazil, it is hard not to mention BMG executive Marcio Alaor. As the vice president of the bank, many may think that he has been living in the lap of luxury, but he actually come from less than perfect beginnings at the start of his career.

Starting out, Marcio Alaor was nothing more than a service individual. He serviced the executives of big banks and companies by shining their shoes. He wanted them to know that they were worth a good shoe shining job and made sure that he always did the best that he could while shining shoes. He also knew that working hard would allow him to get as far ahead as possible when it came to the career that he wanted to have. There were many things that he could do while he was working as a shoe shiner and one of them was to provide the best service to his clients.

One of his clients, an executive at BMG bank, liked the way that Marcio did his job. He knew that the job was something that was not easy and something that did not come with a lot of clout, but he always managed to do the job well. The executive began regularly seeing Marcio Alaor and eventually started a friendship with him. He learned that the young man was very driven and that he would do what it took to get where he wanted, even working unusual hours for long periods of time.

The executive asked Marcio Alaor to work at the bank with him. He did not think that the young many would be able to handle the rigors of an executive position, so he gave him an entry-level banking position. This was something that he thought anyone would be able to do and saw that Marcio Alaor was able to succeed in it. He knew that the man was driven and had a feeling that he would be able to make his way to the top and be one of the executives of the banking world.

He was right. Marcio Alaor eventually worked his way through the different positions of the bank. He was constantly being promoted and continued to deliver no matter the position that he was doing. Because of this, he became one of the fasted promoted individuals at the bank. He eventually became the vice president of the company. He proved his mentor right and showed him that he was able to be successful as the vice president. He also knew that he would be able to make the bank a better place for the employees as well as the bank’s clients.

The Sociable Bomb Executive Marcio Alaor

The lands of San Antonio do Monte in Brazil have not produced many prominent persons in recent history. If anything, the poor neighborhood presents more challenges than it provides opportunities. One man, however, grew up with little in life except a big dream in the same area.

 

Marcio Alaor is the success story of Minas Gerais. He grew up with so many challenges but kept his dream alive. Legend has it he did all manner of jobs in his teenage years including shoe shining to keep afloat. Everyone who interacted with the young Marcio tells a story of passion and true identity.

 

Today, Marcio Alaor is one of the most respected executives in Brazil’s credit markets. His firm, Banco BMG rules the payroll loan category. Marcio Alaor assumes the tasking roles of its vice-president and, therefore, an indispensable asset to the organization. The firm growth mirrors that of its senior executives who have turned things around the company and created a culture of success and cooperation.

 

Marcio Alaor balances the demands of his career and his passion for social entrepreneurship. Even though his role requires him to maintain a public profile, Marcio ventures deeper into the welfare and empowerment of the people. He believes in acting on one’s dreams and fulfilling the potential, a topic the people of San Antonio listen to very often. Marcio never lacks the time to take a trip back home and refresh his memories and experiences with the people of his hometown.

 

The San Antonio do Monte community has been a sleeping giant, but Marcio’s prominence and allegiance to his roots put the town on the global map. About fifteen months ago, the township erected a sign of honor and friendship with Marci Alaor by opening up a food court named after the sociable executive. The food court Marcio Alaor de Araujo was launched during a long standing 33rd annual Expose Samonte festival. The restaurant serves as a reminder of Marcio’s commitment and pride to his roots.

 

Marcio Alaor continues to discharge his duties with due diligence. He provides brilliant insights into the performance of BMG as well as other firms in the industry. In his technical role, Marcio is an excellent researcher and analyst of trends. He writes and publishes journals and reports on online platforms including his official website and that of BMG. Marcio also represents BMG in media briefings and conferences.

 

This year, he has cast an eye on the performance of Swiss watchmaker Tag Heuer in the booming Brazilian market. The company attracts celebrities with stylish watch designs as well as 150 years of experience and expertise. Marcio was keen to learn the ambitions of the internationally acclaimed and successful brand in Brazil.

Soccer And Banking Combine In The Work Of Ricardo Guimaraes Of BMG

The work of the BMG bank and its head Ricardo Guimaraes has been making history and headlines in Brazil for many years. The story of Guimaraes and the family who have controlled the BMG Bank dates back to the 1930s when the bank was formed; over the course of the life of the bank it has gone through a series of changes, and focused on different areas of the financial industry that have been its primary business areas at different times. Over the course of its life the BMG brand has developed a range of skills from business to personal finances that have seen the brand become a major part of the Brazilian economy.

The story of Ricardo Guimaraes has almost as much of the fairytale feel to it as that of the BMG bank as a whole. Born into the Guimaraes family that has owned the BMG bank since its founding, the future head of the business did not take the usual fast track to the top of the banking industry, but instead began life at the bottom of the BMG family as an administrative assistant before working in other areas of the business, according to the Dino Blog.

During his time at BMG the former head of the company saw the focus of the bank switch from the financing of light to heavy vehicles in favor of a more specialist work in payroll, and business transactions. Wikipedia reports Ricardo Guimaraes has been at the central in many of the changes that have taken place at the bank since the mid 1990s, which includes the movement towards a sports based area of work. Guimaraes was one of the first South American financial experts to identify the possibilities offered by the image rights that have become all important in the sports industry.

The BMG company now operates a number of options for sporting icons in both Brazil and South America as a whole. by purchasing the image rights of many of the top soccer stars in Brazil the company takes part ownership of the athletes contracts to ensure they receive the highest possible rewards for their services. The movement towards sports ownership has been a labor of love for Ricardo Guimaraes, who has taken his own interests in soccer and expanded them to his own business life. These areas of the life of Ricardo Guimaraes have combined to lead the BMG brand to even greater successes than have ever been seen in the history of the company.

Achievements of Ricardo Guimares Honored

Ricardo Guimares is a top businessman and the former chairman of Banco BMG, a leading financial institute based in Belo Horizonte, Brazil. The son of entrepreneur and banker, Flavio Guimaraes Pentagna and the grandson of the affluent founder of Banco BMG, Antonio Mourao Guimares, Ricardo Guimares is anything but a novice in the area of leading a major financial institute. Ricardo, who, like his father and grandfather, is a native of Belo Horizonte, graduated with a degree in business administration from UNA in 1988 and received the coveted Town Hall Honors degree on April 18, 2011.

Guimares began his career in the financial industry as an office assistant for his family’s company in the early 1980s. Since then, Ricardo has gone on to complete extraordinary work at Banco BMG and would soon become president of the company. His accolades were cited during a ceremony held in his honor in Brazil by Leo Bourgeois. Bourgeois’ speech summed up the importance of the efforts made by Ricardo on behalf of Banco BMG from 2001 to 2006, the years he acted as president. At the meeting Ricardo was also acknowledged for having been granted the honor of being named the Grand Collar of the Legislative Merit in 2004.

Mr. Guimares is also credited with the expansion and redefinition of the financial institute’s brand loyalty program and his immense support of the national soccer, tennis, and volleyball programs through his institute’s sponsorship and direct investment. He is so involved in the financial and commercial support of athletic programs that in 2010, he founded the Ricardo Soccer BR1, a venture fund for soccer athletes. The venture fund invested more than 20 million dollars in soccer players in various clubs around the country in its short first year of business. Because of the financial group’s support of athletic institutions, it is fondly referred to as the nation’s sports patron.

Alberto Pinto Coelho, the deputy governor, highly regards Ricardo Guimares and respects his contribution to the country, stating that Guimares’ honor is well deserved because he and his family have remained devoted to the development of the nation’s athletics and have kept their commitment to the society as a whole.

After receiving these honors from several of his countrymen and colleagues, Ricardo Guimaraes expressed his gratitude and need to further the traditions and goals put in place by his father and grandfather to stay committed to the needs of the nation and to his native Belo Horizonte.

Ricardo’s honor conference was attended by Danilo Castro, the President of the ALMG, Dinis Pinheiro, the deputy of PSDB, Flavio Guimares, the honoree’s father, Wellington Prado, Congressman, as well as several other notable figures. For more information about the achievements of Ricardo Guimares, visit this website.

New Tennis Sponsor In BMG

The article that was published on R7.com was written to highlight that the tennis player Marcelo Melo would now be sponsored by BMG. The tennis player has won many championships and plans to do so at the Olympic Games in Rio de Janeiro. He is one of the top tennis players in the world and BMG saw a lot of exposure potential in him. Melo will be wearing the BMG logo on both his practice and his game jerseys. This move is intended to get a large amount of national exposure for the BMG bank with the upcoming Olympic Games.

The player is sponsored by Ricardo Guimarães who is the president of the BMG bank. He is a strong supporter of the sport, but he only sponsors players who truly go for all of the wins. He only wants players who are 100% dedicated to what the do, similarly to how he is 100% dedicated to what he does in the banking world. Marcelo Melo is dedicated on all levels to the tennis sport and constantly strives to be better at what he does. He is one of the top players in the world the same as BMG is one of the top banks in the world.

Melo has won many championships, especially with partner Ivan Dodig. This is who he just played doubles with and won as a team. The bank values these players and pushes for them to be better. The main reason for their sponsorship is to get Melo to the Olympic Games. Having BMG as a sponsor of a player in the Olympic Games will be one of the best things and greatest exposure for the bank. It will help to create even more international business than what it already has for the bank.

Ricardo Guimarães is the president and owner of the bank. He started working for the bank in the 1980’s and worked his way up the ladder to the position he is in today. In 2004, there was an opportunity for him to purchase the bank and he jumped on that opportunity. This was one of the best things to happen to the bank in that it continuously got better after he took over. The bank is now one of the highest profiting, biggest and best banks in the world with a large amount of its business coming from the international client base.

Marcio Alaor

Marcio Alaor is currently the Vice President and Director of the well known Brazilian Bank known as BMG. Under the leadership of Marcio Alaor, BMG Bank has maintained its tradition of being one of the top financial institutions in the country. What makes BMG Bank among the top financial institutions in Brazil is the fact that it offers a number of services that help both individuals and businesses get the most out of managing their money. With BMG bank customers can use credit cards, get loans and also deposit money in order to maximize the benefits of financial services available to them.

The most common customer of BMG Bank is private individuals. These are people that are always looking for ways to best manage their money. Fortunately for them BMG bank offers a number of services that allow them to get the most out of the banking experience. For private individuals the most common services are deposits, loans, credit cards and investments. These services are available to meet all of their financial needs.

One of the most common services offered by BMG Bank is deposits. This is simply allowing people to put their money in a number of checking and savings accounts. The checking accounts are available for people who are looking to make a number of transactions through debit cards and/or writing checks. This provides them with lots of convenience in order to make a number of payments as well as withdrawals at any given time. There are also savings accounts which give them the opportunity to save their money and store it for future use such as a car or home purchase.

Another valuable service offered by BMG Bank is loans. These are financial agreements in which the bank will give people funds to purchase a home or a vehicle. With a number of different loans available, people will have an easier time getting these big items and at more affordable terms. The loans available at BMG Bank come with very low interest rates as well as terms that allow people to acquire home and cars and make low monthly payments over a span of several years.

With services such as loans and deposits, people banking with BMG will have the assistance they need in order to get the most out of their financial transactions. Deposits will allow them to put their money in various accounts for current and future use. The loans available will enable them to get the expensive things they need in order to improve their quality of life. Therefore BMG Bank offers ways in which people will have the means to meet their needs through quality financial services.

Business Tips And Guidelines As Shown By BMG

One of the biggest challenges in the business world is to overcome competition and to keep up with changing marketing trends. Many businesses are caught up when the market changes and this affects productivity. So, regular research and innovation is necessary to keep up with a market that requires one to keep changing strategies so as to survive. Lack of skills does not imply that one cannot run and manage a business. Hiring an expert in business matters would help to make a business better and to help you understand what is needed for your venture to emerge successful. Banking is an area that has seen many changes and developments over the years. The Brazilian market has offered room for several companies, which have been able to take advantage of the readily available market from the large population. BMG is among banking institutions that have benefited from this market and their approach to the industry has been unique.

BMG has always help the view that success starts at the hiring desk. This has allowed them to absorb the most refined professionals who have been able to offer direction on various matters. Getting the best professionals to work with the company has allowed BMG to offer quality services and to keep up with the needs of the market. The company has also maintained a program that helps to offer training to their workers and this has been a great breakthrough to them.

Ricardo Guimarães, the president of the bank, has maintained that offering reliable services and keeping close contact with the needs of the customers has allowed them to improve. Ricardo Guimarães confirms that BMG has been able to embrace modern technology in a bid to make service delivery easier and faster. Customers are able to access their acco8unts remotely, which has reduced activity at the branches and has also allowed customers to avoid spending much time travelling to confirm their financial status. Ricardo Guimarães has also explained that BMG has invested greatly to ensure they expand their service delivery and make their work easier.

To help fulfill their promise to the community, BMG has been able to support humanitarian activities and they have also stepped up to offer sponsorship for sporting activities. The bank, as Ricardo Guimarães explains, has managed to support hundreds of teams in each locality within Brazil, something that has allowed many young individuals to hone their skills and to further develop their talents.