The Effects Of Luiz Carlos Trabuco Cappi Leading Bradesco’s Purchase Of HSBC’s Brazilian Branch And How It Came About

Luiz Carlos Trabuco Cappi is a Brazilian banking executive, having been the Chief Executive Officer and the Vice Chairman of the Board of Directors of Banco Bradesco since 2009. Mr. Trabuco is arguably best known around the world for moving the financial institution he controls, Bradesco, to purchase the international banking company HSBC Holdings’ Brazilian operations for $5.2 billion in late 2015. Luiz Carlos Trabuco Cappi is a proponent for organic growth and has been for many years while serving Bradesco; However, Mr. Trabuco felt that if Bradesco had not purchased HSBC and taken over administration with the Brazilian bank as HSBC’s parent company, the amount of growth gained from the transaction would have taken a whopping six years just to match what the purchase did for the well-known financial institution.

Led by high-ranking, successful executive Luiz Carlos Trabuco Cappi, the purchase of HSBC Holdings’ Brazilian branch was first proposed by Mr. Trabuco, then finalized with Chairman of Bradesco’s Board Lázaro Brandâo’s vote of approval. Similar to all those who work for Banco Bradesco, many news agencies have not only approved Luiz Carlos Trabuco Cappi’s workplace advancements, but praised them.

One such instance of this widespread approval, even by the critics in financial media sources across Brazil, is Luiz Carlos Trabuco Cappi’s reception of Isto é Dinheiro’s annual Entrepreneur of the Year in Finance in 2015, the same year HSBC Holdings’ Brazilian taekeover was announced by Mr. Trabuco and approved by Chairman Brandâo. While it’s entirely unreasonable to dispute Luiz Carlos Trabuco Cappi’s success at Banco Bradesco in recent years, understanding Mr. Trabuco’s path to where he’s taken himself and employer Bradesco is entirely worthwhile of knowledge – being aware of his nearly 50-year career will help fans of worldwide financial markets apprehend his widespread approval and undeniable success.

Mr. Trabuco first earned two college degrees prior to entering the world of finance, which have undoubtedly helped him remain at only one employer throughout his entire working life. Luiz Carlos Trabuco Cappi’s first degree from from the Unviersity of Sâo Paulo, considered an equivalent of a bachelor’s degree in the United States, in Philosophy. Immediately after earning this accolade, Luiz Carlos Trabuco Cappi then enrolled in the School of Sociology and Politics of Sâo Paulo to study Sociopsychology. This second degree is a modern-day equivalent of a master’s degree in the United States of America.

A master’s degree back in the late 1960s meant tons more than a master’s degree does in today’s ultra-competitive educational world. As such, these two degrees have effectively prepared him for his long-standing tenure at Banco Bradesco.

After graduating from the two separate Sâo Paulo-based postsecondary institutions, Luiz Carlos Trabuco Cappi landed a spot at Bradesco as a clerk. This was all the way back in 1969 in the same town Mr. Trabuco grew up in, Marília, an impressive five hours’ drive away from Sâo Paulo. Throughout the years, he was named director of marketing, executive director and president of Bradesco’s pension subsidiary, executive vice president and later president of Bradesco’s insurance group, then, finally, being named CEO of Bradesco’s company at large in 2009.

As one can imagine, Luiz Carlos Trabuco Cappi has been given several accolades, titles, and awards throughout the years. In 2009, Mr. Trabuco secured a spot on the 100 Most Influential Brazilians in the Country, in the same year earning the Don Quixote Trophy. Bradesco’s 40-odd-year veteran and current chief executive officer has also won two awards as the Insurance Personal of the Year, won in 2006 and 2007. Mr. Trabuco has also received multiple other awards in general business throughout his long-tuning tenure as one of Brazil’s best businesspeople.

Brazilian Entrepreneur Ricardo Guimarães Thinks Anheuser-Bush Sales Could Continue To Drop

The beer market is one of those markets that gets better when economic issues get bad. And the market gets even better when the economy is good. In short, people all over the world love to drink beer. No one knows that better than Brazilian bank president and entrepreneur Ricardo Guimarães. Guimarães became president of the family-owned BMG Bank in 1998. He is credited with single-handedly turning BMG Bank into a very profitable medium size bank thanks to his decision to sponsor soccer clubs. Soccer and beer are joined at the hip, so Guimarães knows a lot about the beer industry and the companies that produce it.

When Guimarães heard the news that Anheuser-Bush was buying the British beer maker SABMiller for more than $100 billion, he knew that could hurt consumers. Brazilian consumers could only buy two brands of beer for decades because the government controlled the industry. A marriage between two powerhouse beer makers only spells trouble for small independent breweries and the consumers that support them.

The other news that made Guimarães want to know more about Anheuser-Bush decision making process was the new distributor incentive plan. The new plan is designed so distributors promote Anheuser-Bush premium and imported brands instead of independent brands that are fueling the sales increases in the beer industry these days. An incentive plan that could be worth more than $200,000 a year to distributors that discriminate against smaller breweries didn’t sound like a good plan to Mr. Guimarães.

The AB InBev incentive plan prompted small breweries to fight back. The Department of Justice was notified, and agents are investigating the incentive idea. The reason behind the new plan, according to craft beer makers, is to push Anheuser-Bush brands that have weak sales numbers. The import and craft beer markets are where all the sales increases are coming from, and Anheuser-Bush must get a bigger piece of that market to satisfy investors.

Developing an incentive plan to promote AB InBev brands sounds like a idea with a lot of flaws. Anheuser-Bush should be concerned with attracting the new-age beer drinkers that want more than their parents’ beer. Young beer drinkers want innovative brews that are rich in flavor and quality. Giving distributors’ money for pushing brands that may fall short of the taste mark won’t solve the market share issue that Anheuser-Bush is struggling with now.

Mr. Guimarães and other beer aficionado say that some of the Anheuser-Bush brands do have the taste and quality that beer drinkers want, but the company needs to find another way of getting them in front of the beer drinking public. Hurting competitors is not the way to tickle the taste buds of the new beer consumers.

You can like Ricardo Guimarães on Facebook.

Ricardo Guimaraes, A Financial Management Guru


Ricardo Guimaraes is a financial management guru born in Brazil from a well of family. His father was called Flavio Pentagma Guimaraes who was an entrepreneur while his grandfather was referred to as Antonio Mourao Guimaraes who founded Land Credit Bank in 1930. The bank dealt with offering affordable loans especially to peasant farmers of Brazil back then. The bank was later renamed BMG. With a dream to succeed the family’s business, Ricardo studied finance and management in college. After completion, he joined Banco, BMG in 1998. He first worked as the chief financial officer but late became the vice president of the firm.


Later long, in 2004, he was appointed the president and the chief executive officer of BMG. He is one of the most famous CEOs in the world with the reputation of success. His prowess in the banking industry has seen BMG make a tremendous improvement over the years. The strategies and policies he has implemented have steered the firm to become one of the wealthiest banks in the world, asset based and client wise. In Brazil, the bank has a share of eighty percent in the market. This a clear sign that BMG is an economic giant in matters banking. He has revolutionized the banking industry in Brazil and has outdone the competitors in various aspects.


Ricardo’s strategic management has made simple but effective strategies in the long run. Corporates are of going concern and therefore, Ricardo has laid strategies that has made BMG to become an economic hub in the region. Strategies such as profitability and a large asset base have attracted customers and investors to the firm. These strategies builds trust and confidence to the stake holders and create a risk free business deals.


The bank also specifies in personal loans such as payroll loans. The payroll loan product has earned huge interest to BMG that has seen it soar to the heights. With a customer base of so many clients, this reflects that personal loans earn a lot of interest to the bank. To reach more customers, the bank has over three thousand branches and over five thousand agents that work under the name of BMG.


Ricardo is endeared by the people of Brazil for his generous nature in giving back to the society. He supports farmers and promotes agriculture without reservation. Ricardo also sponsors youth in matters education, talents and a mentor to many youths and investors. He is an enthusiast of football and has seen him become a manager of a football club for five years. He sponsors football teams in Brazil such as Santos where many football stars natured their talent.


A leader leads and lives by example. Ricardo is a man to reckon, his impactful values has great importance to the people of Brazil.

Marcio Alaor And His Numerous Achievements


Marcio Alaor is a seasoned and successful banker, being the Vice President of Banco BMG. BMG is the one of the largest and most successful banks in Latin America. Mr. Alaor has displayed his exceptional administration skills in the development of strategies that have seen the bank experience exponential growth over the years. He is also a good leader. He leads a team of lean and efficient bankers who work tirelessly to make the bank the national leader in the provision of payroll loans. Mr. Alaor has also been involved in various key milestones that the bank has achieved.


During Marcio Alaor’s tenure, Banco BMG got into a partnership with Banco Itau. This partnership saw the formation of a new bank, Itau BMG Payroll. This bank will operate exclusively in the provision of discounted payroll loans and will allow BMG to continue its operations as it currently is. According to Mr. Alaor, the partnership will see a new segment open up for BMG. He also expressed optimism that the market is huge as the bank will provide finance for employees in private companies.


Marcio Alaor is also quite vocal on economic matters around the world. Mr. Alaor points out Australia as an isolated case in the economic instability that has rocked the world. Data recently released shows that Australia’s economy grew by 2.5% in the third quarter of the year 2015, meaning that the close of the year will see 2015 as the 25th consecutive year that the country has evaded a recession. Marcio Alaor recalls the shrinking of Australia’s economy in the 90s when the world was going through a period of intense volatility

Marcio Alaor, a director at BMG Bank, took a look at the stocks of various automakers. He goes on to point out General Motors as the first company to go public on the stock exchange. GM completed 100 years of its IPO, whose current market value is $53.52 billion. Ford’s IPO took place in 1956 with an equivalent of $600 million, according to Mr. Alaor. Initial Public Offering is a process that sees a private company start trading its shares publicly.


Marcio Alaor describes Jean Claude as an individual who is genuinely enthusiastic of the brand and also as one who is in control of the shares of the company. Jean Claude is the CEO of Tag Heuer, one of the largest watch makers in the world. Tag Heuer recently announced Tom Brady as its new ambassador. According to Marcio Alaor, Tom is one of the most popular athletes in the U.S.

Ricardo Guimarães Helps With BMG’s Football Support


One of the biggest investors in national football is the famous BMG bank. They already lead the country in payroll loan modality, but they are continuing to branch out offering bigger and better services to their customers. It all started back in 2008 when Mining Bank started to invest in football. Within two years, BMG followed suit. Atlético-MG, Ricardo Guimarães is the former chairman of Mining Bank. He is helping other banks to share economic rights of the players in the Brazilian Championship. There were, at least, five teams in the initial division that didn’t have a sponsorship contract. They just have pieces of the athletes.

There are more than 50 athletes that are part of the investment fund shares that were created back in 2009. The equity is over $50 million. There are many characteristics that go into the increased amount of growth between the BMG and all the Brazilian clubs. First, the bank gives loans to the teams. The teams can get the cash they need for their expenses. In most cases, the teams have a hard time repaying the loans, so instead BMG will take a piece or interest of the athletes. This means that if they are sold in the future, then the bank will get a portion of the proceeds.

While the teams have capital, they often don’t have money. By entering into a joint partnership with BMG, it is a win-win for all involved. BMG is in the football business, especially when it comes to Soccer BR1. Though they Bench Press have acknowledged the associations, they haven’t released the players who the bank owns a secure interest in.

The owner of BMG is none other than Ricardo Guimarães. Though he won’t speak to the press regarding the banks support of the athletes, the former head Hyssa Moises, who now works in BMG’s investment in football, verified the relationship. He is not really an employee of the bank, but he can tell them as the fund’s advisor that BMG cannot disclose the names of the athletes that they own interest in, only their legal department could do so.

BMG is just one of the investors in Brazilian football. There are other entities also involved. BMG is also involved in American football too. They seem to spread their interest diversely to help wherever possible. This could be why they are one of the biggest and best banks in Brazil.