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Luiz Carlos Trabuco Cappi completed an extraordinary rise to the top of his profession when he was named as the CEO of Bradesco which is one of Brazil’s largest private banks. One can only surmise what his thoughts were when he began his first day on the job as the head of the company. Did he think back to his humble beginning as a counter clerk in his hometown of Marília? It was there that he started with the company in 1969 and he served as a clerk for two years. This was the beginning of his extensive training and development within Bradesco’s business culture.

Trabuco, as he is most commonly referred to, pursued an education at the University of São Paulo, where he graduated from the Faculty of Philosophy, Science, and Letters. While his educational path was unorthodox for a banker, he has accumulated a vast range of business and financial skills. He is strongly identified with Bradesco’s culture and has served in several strategic capacities. His time spent in the Pensions, Marketing and Insurance divisions is where he laid the foundation for his knowledge and success.

Luiz Carlos Trabuco Cappi demonstrated thought leadership when he implemented a significant reform as the head of Marketing. His intuition regarding the need for modern communications with the media led to him establishing publicity at Bradesco. Prior to this time, the bank had no relations with business reporters and this was a milestone achievement for Trabuco and Bradesco. This increased their exposure to the public and made their brand stronger.

The Insurance division of Bradesco was where Trabuco gained the inside track to the CEO position. Under his leadership, Bradesco’s insurance division realized substantial growth and their success contributed a large portion of the company’s overall profits. This solidified Bradesco’s market leadership in this sector and they are also a major player in Latin America as well.

Trabuco was honored on two separate occasions as the Insurance Personality of the Year. His strong advocacy of Insurance helped Bradesco achieve their outsized performance. Trabuco has maintained that insurance is an extension of the state and is critical to the welfare of society.

A corporate university is another innovation that Trabuco instituted and it was an important way to groom and develop leadership for Bradesco’s future. Trabuco and other top executives were able to determine those employees who were worthy of promotion and a larger voice in the company.

In 2009 when Luiz Carlos Trabuco Cappi began leading Bradesco as their CEO, the worldwide economic conditions were characterized by recession and softness in the financial sector. Trabuco safely brought Bradesco through this time while focusing on organic growth and adding to the number of branches. He also emphasized excellent customer service and becoming an even more valuable part of the local communities that they served.

In 2015 Bradesco broke the news that they had agreed to acquire the Brazilian branch of HSBC. It was a blockbuster deal and the largest of its kind during this year and Trabuco was the driving force behind it. It was roundly praised by the financial community and it greatly increased the revenues and resources of Bradesco. It would have taken six years of organic growth to equal the magnitude of this acquisition. Trabuco was honored for his role in making it happen as the Entrepreneur of the Year in Finance by DINHEIRO.

Luiz Carlos Trabuco Cappi is soft-spoken and bears a wide smile. He dresses in a conservative way and avoids extravagant displays of wealth and success. He is married and with his wife, they have raised three children. Trabuco has devoted his entire career to Bradesco despite an offer to lead the country as Finance Minister which he graciously declined.

Equities First Holdings is a business in the United Kingdom that specializes in “unusual” loans. The business provides funds to high net worth individuals against their stock. Clients come to Equities First Holdings for money. They transfer shares to the company, and then the company gives them about 80 percent of the stock’s value. Equities First Holdings returns the stocks to the borrowers when they repay the advance. Customers can get an attractive repayment rate of about 3 to 5 percent. The repayment terms are attractive through this company, as well. Borrowers can pay their loans back over a three-year spread if they so desire.

The People Who Benefit Most

A big time investor may be someone who wants to deal with Equities First Holdings. Such a person may not have the cash on hand to pay for a huge project. A hefty advance may be just what that client needs to start a project. The project may involve purchasing a gigantic piece of land or a chain of businesses.

Why Equities First Holdings Is Different

Other stock lenders do exist in other areas. They provide the loans to people who want to give up their stocks as collateral. The difference between Equities First Holdings and other companies is that they can pay a higher percentage for the stocks, and they can charge a lower interest rate for the loans than other companies do. Those two factors make dealing with this lender extremely attractive. Borrowers are starting to flock toward companies like this because it is becoming increasingly difficult for them to get what they need on credit. The average loan range is between $100,000 to $8 million or more. The company consistently holds tens of millions of dollars in assets on any given day.

About Equities First Holdings

Equities First Holdings is a financial company that is comprised of only experts in the financial industry. These experts have decades of life skills and the highest levels of financial education. The industry veterans assist business-minded individuals who want to turn their ideas into profits.


BMG bank is a financial institution controlled and owned by the Pentagna Guimarães family with Marcio Alaor as its vice president. They have been involved in the financial industry of Brazil ever since the year 1930, which is when they established Banco de Crédito Predial S.A. Up to the mid 1990s, BMG bank mostly dealt with business concerned with consumer and wholesale financing, and was a leader in the financing of light and heavy vehicles in that period. The bank has, however, turned its focus, since the year 1998, on supplying payroll loans, thus becoming the leading bank for this kind of operation.

BMG bank signed an agreement of unification with Itaú Unibanco S.A. in July 2012, with the aim to offer, commercialise and distribute the payroll loans. This unification has brought about many advantages to BMG bank. For example, it enabled it to bring its focus on different strategic products like BMG Empresas and Payroll Credit Card.
Being aware of its profile being on a conservative side, BMG bank is constantly seeking to increase its profitability through the quality of portfolio of its customers and the responsible credit. In addition to that, the bank is developing new businesses strategies that best meet the needs of the customers.

The bank, as the vice president Marcio Alaor claims, focuses greatly on the development of the loan portfolio and in that way ensures greater profitability levels and the better productivity of its business.

BMG bank has a quite effective corporate structure and its management is highly cautious of the cost control. Having this in mind, the bank takes advantage of software systems and scalable network and in this way enables optimization of the interaction process. All this attributes enhance operational gains and the business development.

The bank has the aim to construct the teams of high performance, whose talents individually are only to make sense in case the are able to form a winning team. They should be able to enjoy working for the BMG bank, provide the service for the customer and overcome the issues in the most effective and competent way possible.
BMG is a leading bank in the Brazilian market, as it has over 80 years of a great financial performance, working both with individual customers and many financial institutions, together with the companies in both the private and public sectors . It offers loans through payroll credit card, finances both large and medium companies, and also used vehicles and offers home equity loans. BMG bank is noted for its conservative and strict credit policy, which is constantly under revision to ensure it is in line with the market conditions. The history of work of the BMG bank shows flexibility and highly adaptive capacities to adjust to market conditions that are constantly changing.

Ricardo Guimaraes reported on the rising popularity of LinkedIn as a comprehensive job market resource. The prolific BMG bank president has had first-hand experience promoting his infallible skills on LinkedIn. In his latest analysis of the social network, he did share some fascinating news about the resource. The uses of LinkedIn extends beyond discoverable job opportunities. It’s the best conventional job search tool connecting like-minded professionals and employers today. With it, it’s nearly effortless to form new relationships with professionals of the same expertise.

Exame, an online media conglomerate remarked on Ricardo Guimaraes recent report that highlighted the top 25 skills employers look for in job seekers. He couldn’t have produced this analysis without gathering social network statistics, that of LinkedIn included. Among participating countries are France, Brazil, the U.S., etc. It highlighted the most used keywords by recruiters in 2015. Job skills such as data mining and human resource received significant attention as both are highly desirable, especially in the Brazilian market.

With the weight of economic instability among other considerations, Ricardo Guimaraes reported a substantial 14% drop in demands for professionals the past year. However, this development hasn’t impacted the reputation of LinkedIn negatively. As a prolific investment banking executive, Ricardo Guimaraes stressed the importance of becoming well-versed on the best professional skills in today’s competitive job market. In addition, he’s encouraged professionals to update their skills to become more marketable and equipped for the fickle labor market.

Forbes recently released its ideal of the best American MBA courses. Ricardo Guimaraes didn’t miss the opportunity to emphasize on the value of earning a quality education. The Forbes press release did prepare the ranking with serious consideration of the nation’s most elite universities offering such opportunities. The well-rounded BMG bank executive has been a productive crusader supporting sports club players across Europe. Ricardo Guimaraes fascination with football has resulted in BMG bank becoming a major sponsor of different sports teams. He’s extended the courtesy to other sports besides football. Recently, he shared a fascinating piece about Denmark sports culture.

The nation which houses 1,600 different football club teams, a fraction of its 11,000 sports organizations isn’t quite the fanatic as Brazil. Ricardo Guimaraes value the wealth of sports and the experience Denmark offers essentially defines the culture. Interestingly, he’s fond of the idea that the country has a fitting landscape for hosting the Olympics. Sadly, the Danes’ disapproval in the idea was on the grounds of the lack of infrastructure and other factoring considerations. Brazilian sports culture, football, in particular, isn’t merely a routine educational course for natives as that of the Danish nation. For Brazilians, it’s a skill nurtured to perfection as the youths and professionals continue to fuel this passion. Ricardo Guimaraes learned about Danish Handball and it’s rich history as a sports activity for the Danes.

You can like Ricardo Guimarães on Facebook.

Marcio Alaor is widely known as the CEO of Brazil’s bank company called BMG. He recently reported about the remarkable performance of one of the most widely known watchmaking companies that is Tag Heuer in the Brazilian market. This Swiss watchmaking company has been around for 150 years, and has been dominating the market for quite some time. The Brazilian market also couldn’t resist the style and luxury that Tag Heuer has to offer. Today, we will look at the importance of the BMG and the man who has changed their image.
The Importance of Brazilian Market
Jean-Claude Biver, the current CEO of Tag Heuer, says that they will put more effort in establishing the brand in the Brazilian market, noting that this country is one of the most, if not the most important markets in the continent of South America. They are willing to get more vigorous and adamant in promoting the brand through the latest trends in sports watches. With the addition of Tom Brady, a famous football star, as the company’s brand ambassador, there is a positive outlook in the position of Tag Heuer in the Brazilian Market.
The Tag Heuer Brand
Tag Heuer is famous for its sleek design that shows a sporty style. The brand is advertised by famous names in the sports industry such as Ayrton Senna, Cristiano Ronaldo, and the latest Tom Brady. The intricacies in the production of the watches are what makes Tag Heuer one of the most sought after watches in the whole world. The reputable name of the brand, partnered with famous stars in the sports industry wearing their signature watches makes Tag Heuer a strong contender in the Brazilian watch market.
Mario Alaor
Mario Alaor is keen in witnessing the efforts of Tag Heuer in promoting their brand in Brazil. BMG plays an important role in the Brazilian sports industry, being the major sponsor of the country’s football sports. The bank group is also active in providing personal as well as payroll loans throughout the country.
Mario Alaor personally is the chief executive of the company BMG. He is famous for being one of the top businessmen in the country. He has contributed various accomplishments and feats that allowed the bank group BMG to be placed on where it is today.
Although Mario Alaor has made an impact on BMG the future of the company has a lot in store for itself. Tag Heuer has a bright future on the horizon and with the right guidance can accelerate its growth and be prosperous in the future.

The BMG Marcio Alaor is one of the members of the BMG bank executive team and controller of all the affairs and proceedings of the bank. He is one of the major sponsors of the football activities in the entire country of Brazil as well as the print in BMG and also the 39 uniform clubs. Marcio appears on almost all the t-shirts that people use in playing football in the entire country. He is also taking part in the in the three teams in basketball in the females and also the flamingo. The gymnast as well as the jade borda including the vitor fighter.

Just to jog up your minds little bit is that BMG late last year has decided in diversifying its kind of products and in the first thing was to diversify the wearing of the t-shirts that footballers as well as the basket ballers and the volley ballers are wearing nowadays in their various fields as well a the sponsoring of the Atletico MG in the from 2010 in January. It was a part strategy in the back years before the decision about diversification as well as consolidation. The penetration that they have been able to achieve has been a great result from the payroll decision that they enacted and decided to partner with other people and they are now succeeding. However as they decided on this few things the only thing that was a big challenge was the basis for them to start growing steadily once again. Now coming to the issue about credit cards they will say that BMG knows all of it. They may have thought about changing their colours but BMG does not accept in that easily.

The BMG bank manager, Marcio Alaor said in a press conference that the very first thing that they wanted to do was to go public as well as the stock exchange and the IPO of its very experience that spans more than one hundred years now that is about 53 million dollars of the current value in the market. The 1956 FORD took over the initiative that makes it offer an IPO and this one of the greatest things that ever happened to the bank in those early years of its existence. Marcio recalls that experience to have spanned for about 600 million in equivalence.

The CES that is currently known as the consumer electronics show that is an annual event that always calls in for Las Vegas in every beginning month of every year has now revealed the future as well as the present technology that will span over forty years to come. If the CES 2016 failed to change the world then this type of technology will change the world as well.

BMG Bank has presided over economic solutions in Brazil for decades, and Ricardo Guimarães most recent heir to the throne. He is a man of sound business sense, and he has helped the bank nanigate many economic situations in the country. Ricardo is currently responsible for the a merger with Bank Itau, and he is changing the way BMG Bank offers services to its customers. This article explains information found at R7 about how Ricardo Guimarães leads with wisdom.

#1: Merging With Bank Itau

Ricardo has chosen to merge with Bank Itau in an effort to offer stronger services to its customers. Two banks together have a much better position in the Brazilian market, and the two banks will offer the same services to all customers. The two companies plan to bring their executive teams together, and Ricardo will offer some control over the partnership to Bank Itay. The partnership will help fight CitiBank and other large banks that have moved into the country.

#2: Ricardo Believes In Personal Credit

Ricardo wants to offer as many small loans as possible to a large sector of the Brazilian population. Small loans will help both banks make quite a lot of money, but more people will be served by small loans. The majority of these loans will be payroll loans that help small businesses meet their payroll, and the other loans will be used by individuals who need extra cash.

#3: BMG Bank Has A Public Presence

BMG Bank has a public presence in Brazil that is difficult to miss. The company has spent quite a lot of money on advertising, and they have branched out to help people who live across South America. The bank itself wants to have greater influence in the region, and their marketing combined with the new partnership at Bank Itau helps everyone to achieve their goals.

#4: Supporting Industry

BMG Bank has a strong record of supporting industries in Brazil that offer jobs to the citizens. Jobs that people get because of funding from BMG Bank are found everywhere in the country, and BMG wants to continue to offer as much consigned credit as possible without allowing consigned credit to take up their entire balance sheet. Ricardo has balanced his desire to change for the future with his company’s history of helping industry in Brazil.

Everyone in Brazil knows the name of BMG Bank, and the bank has chosen to prepare for the future by entering into a partnership with Bank Itau. The two banks want to offer as much person credit as they can, and the two banks together will help each other win a battle of attrition that started with CitiCorp and other banks moved in.

When assessing the financial market in Brazil, several banks come up. One of the leading banks is Banco BMG bank. The bank has been in business since the 1930s until today. Ricardo Guimaraes leads the bank.


Ricardo Guimaraes started steering the bank in the late 1990s. The bank is a family business which was started by Ricardo’s grandfather. Since its establishment, the bank has undergone many changes that have all positively influenced the economy of Brazil. The bank majorly deals with payroll loans assignment. The bank in its process of becoming the best has been involved in different investments including purchasing two other banks in Brazil.


Ricardo is one of the entrepreneurs who is used as an example when talking about good business. Since he started leading, the bank has never gone under or run out resources. Ricardo always knows when and how to make good investments. Other than wisdom in the art of investment, Ricardo can choose the best team to work with and back him up.


Banco BMG clients have expressed their satisfaction by the bank’s returns. This kind of positive feedback continues to market the bank to other new customers. The more the clients, the more the returns hence more contribution to the economy at large.


Ricardo has been able to extend his investment in the branding world. One of his major branding investment is the sports market.It is a sector that has not been tapped by many investors.It makes investment highly profitable. One of Ricardo’s favorite sport is football. Ricardo funds many South American football teams. In many of the players uniforms, there is always a BMG bank logo whether on the back or the sleeve. The investment has proved to be profitable to both the players and the bank.


As an action of appreciation, the sports department has awarded Ricardo with several awards.


Ricardo Guimaraes once in a while is involved in activities that help improve small communities including his hometown Bero Horizonte.


Having been born in a prominent wealthy family, Ricardo had a lot of advantage. Ricardo took this advantage and turned it into a lucrative business which over the years has been growing.


BMG Banco bank is located in one of the biggest economies and faces a competitive market. Despite this, the group with Ricardo offering his best ideas can conquer the competition. Ricardo has tried creating a friendship with the competition. The BMG Bank has formed an alliance with the Itau bank and produced a R$ 1 billion bank. Over and over Ricardo has shown his competence in the investment and financial world. He is a blessing to us all.

Education makes a man sociable and trainable. Marcio Alaor developed a desire to get a good education and do something good for him in life. Born in the poor neighborhoods of Santo Antonio do Monte in Brazil, Marcio became a shoe shiner to earn a penny. In his line of work, he met one Dr. Wilmar father, who was impressed by his Zealous attitude.


Marcio benefited from the mentorship of his new found friend. Today, Marcio hard work landed him a senior executive position at one of the fastest growing banks in Brazil, Banco BMG. He has become a respected and admired man in society for his accomplishments. The Brazilian financial sector looks up to experts like Marcio Alaor, especially during these volatile economic times.


Marcio defines the real meaning of a social entrepreneur. Not only does his expertise contribute to the development of the financial sector, but he also remains active in the social sector as well. He is a major contributor in forming public opinion. The development agenda never strays away from his thoughts. Despite a busy schedule, Marcio has the time to catch up with the people of his hometown. He acknowledges the need to promote the growth in rural areas and social welfare.


The local people of Santo Antonio do Monte hold Marcio dear to their hearts. He has become a symbol of humility, hard work, dedication, and self-actualization. His traits exemplify the virtues the society holds dear and rewards. A man of Marcio’s clout deserves praise and recognition. At the 33rd Agricultural exhibition in the town, a Food Court named after him was launched.


The honor was meant to compound the pride and appreciation the people felt for Marcio Alaor’s support over the years. Marcio expressed his gratitude and reiterated his duty to remain associated with the people of his homeland. He, in turn, urged the youth to chase their dreams and utilize their talents for the greater good. Regarding economic growth in the area, Marcio Alaor attested to the fact that San Antonio do Monte possesses high potential.


At Banco BMG, Marcio Alaor continues to provide strategic administration. Currently, a sports marketing program in Brazilian football is making a difference in BMG’s revenues and the game as well. Statistics on wikipedia show that BMG sponsors up to 39 teams across major leagues in Brazil. The sponsorships provide financial support for the team who then print their match gear with a logo and orange color of BMG.

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Article found on Exame.com

Food court Marcio Araujo Alaor was opened on the 24th of August 2014 in Santo Antonio do Monte.It was named in respect to Banco BMG vice president Mr. Marcio Alaor.The bank manager received the honor for the role he has played in helping the community around the region. The occasion was graced by local municipality leaders including the Mayer, local union leaders, and politicians. It was an occasion befitting a man who rose from a humble shoe shiner to become one of the most senior business leaders in Brazil.
Wilmar Son during the inauguration spoke favorably of the banker commending him for his insight in transforming the former grain barn into a food court. It was a genius foresight he added. Naming it after him was symbolic of the many lives it was going to feed given the importance of the local food economy to the local economy.Mr. Luis Antonio thanked him on behalf of the rural folks and was grateful for the work they did. He emphasized the personality of Marcio was important in achieving this milestone, and it was going to benefit the local community significantly. Another Rural community organization president was elated he opened the place and wasn’t expecting any political gifts. It is the real mark of a gentleman and a leader.
In his speech, Marcio looked euphoric given the recognition they had given him. He gave a moving story of his beginnings with nothing to who he is today. From the shoeshine tent to the boardroom, he says this journey has always encouraged him to help others. He was humbled and honored by the love the people had shown and felt appreciated. He was quick to add he was always going to serve the city that made him and the city he loves and calls home. He has joined the list of other senior people from the city who have gone one to shape it.
It is efforts by people like Marcio that have shaped the city of late. Its rural backwater was named the biggest milk producer in the Central West Minas region in part to due to Marcios efforts. It has a significant rural farming population that to date continues to shape it.This community has been relying on an inefficient system that has seen many trapped in the cycle of poverty for generations.
He was honored in the 33rd edition of the Expose Samonte (Holy Agricultural Exhibition) at Santo Antonio Do Monte.It was a packed event attended most local officials. Banco BMG is the biggest provider of Consigned credit in Brazil with the largest distribution network in the world.