Luiz Carlos Trabuco Cappi Experience In Bradesco Company


Statistics reveal that there are few influential executives in Brazil. Among the few executives is Luiz Carlos Trabuco Cappi. The 57 year old was recently appointed to head the second largest company in Brazil. Bradesco made a decision to appoint Trabuco after its previous executive president outlived his 65 year required period. Additionally, Trabuco was named a worthy candidate due to his 40 years experience and success in strategic sectors such as the pension and finance sectors.

About Luiz Carlos Trabuco Cappi

Luiz Carlos Trabuco Cappi was born in the year 1949 in Merilla, Brazil. The 57 year old is a father of three who does not necessarily assume the typical profile of a banker. This is due to his calm character, fine humor, and his outgoing nature. Trabuco undertook his education at the University of San Paulo where he attained a degree in Philosophy. Although his degree was not related to his field of work, Trabuco went ahead and applied for a position at Brasesco Company in the year 1969 as a clerk.

The bankers hunger for success led him to relocating to the company’s headquarters in San Paulo. In San Paulo Trabuco was fortunate to attain a position as the marketing director in the year 1984. His hard work and determination at the company’s headquarters led him to achieving yet another spot as the executive director between the year 1992 and 1998. His position as the executive director of the Bradesco’s private pension company played a major role in his recent appointment as the executive president.


Luis started working in Bradesco Company in an unfavorable condition since Brazil was facing a decline in the level of activities. Additionally, the second largest biggest company In Brazil was experiencing heavy losses due to the competition caused by Itau Unibanco. The new competitor introduced themselves to the market by purchasing most of the medium sized banks and securing a position as the largest bank.

Bradesco’s board of directors were not pleased with the move and decided to appoint a competitive leader who will place them in their previous position. Although the previous executive president Marcio Cypriano had achieved a lot for the company, Bradesco’s board of directors required Trabuco to perform better. Apart from attaining a leading spot in the financial sector, Unibasco also managed to attain leadership in asset acquisition.

In a company like Bradesco where maintaining leadership was always the company’s motive, losing to Itau Unibanco provided a new opportunity for Trabuco to exercise his skills in leadership. Apart from being a leader in different sectors of the company, Trabuco was also a renowned public figure. During his time as the marketing director, Trabuco was responsible for the modernization of the bank. He performed his role by promoting the company’s insurance via media platforms. As a result, the company was frequented by reporters, which led to its popularity. Previously, Bradesco was averse to reporters and media personalities and therefore Trabuco’s introduction of the new advertisement method had a positive impact on its performance.

Under his management, Trabuco managed to double the company’s market share from 25% to 35%. These figures were reported to be the largest profits ever registered by the company and the largest in Latin America Region. For this reasons, analyst had trust that Trabuco would propel the company to the desired position. In recent news from the Terra Magazine, it was reported that Trabuco was intending to acquire more than 200 stores in the Latin region. This move was said to be the only way to achieve success in the financial banking market.

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Secretary of Health Sergio Cortes Evaluates Flood Prone Areas in Brazil


Every year between the months of October and May is Brazil’s rainy season. More rainfall than usual fell between the months of October 2015 and January 2016. The overflow of rain water flooded different regions inside of the nation of Brazil. The heaviest hit areas were in southern part of the country along the borders of Paraguay and Uruguay. Disaster relief agencies state that Paraguay received the most extensive flood damage on the whole entire continent. However, hundreds of thousands of Brazilian people who lived along the southern border region of the state had to leave their homes.
Major river systems in the southern region such as the Parana and extensive wetland areas such as the Lago Esteros del Ibera received an abundance of rain water. People who lived next to the shores or a few miles away from them had to be evacuated for safety reason. Brazilian State Secretary of Health Sergio Cortes traveled through different parts of the country in order to survey the devastated areas.
Dr. Cortes wanted to see the post-flood conditions first hand. He traveled to areas such as Xerém and Duque de Caxias. These areas were hit hard by the rains and Dr. Cortes wanted to ensure that the medical facilities in the area had the adequate resources they needed to provide care to displaced people.
Keep in mind that the nation is dealing with a Zika crisis. With the excessive amount of rainfall and warm temperatures; the Aedes aegypti mosquito thrives within this kind of environment. This is bad news for people who live in the nation and for tourists that visit. The Aedes aegypti mosquito is the primary culprit for spreading the Zika virus. This insect is also responsible for infecting people with other viruses such as dengue or chikungunya. Brazilian health officials want to ensure that the mosquito population is growing too strong.
The medical facilities that are on the front lines of this crisis are prepared to deal with the situation. Dr. Cortes ensures that each medical unit has adequate medicine and technology for treating people. He also speaks with the people about the importance of hygiene while living in a flood prone area. The fact is that disease will spread at a quicker rate when people do not perform simple action such as brushing their teeth or washing their hands.

Cortes is also coordinating with other health officials in the flood stricken areas. He wants them to know that they will receive necessary aid to assist them during this crisis. More information about this story is available from Extra. People can also follow Dr. Cortes on Twitter to get updated information about this relief effort.

The City Index Produces Startling Results

In December, Endeavor , organization supporting entrepreneurs, released the index of the most entrepreneurial cities in Brazil. Marcio Alaor executive of BMG, said the index studied 32g’

First in the overall ranking is the city of São Paulo, this city that has the largest market in the country and home to the headquarters of most of the big companies. Marcio Alaor mentions that, according to the results of the Index, “the São Paulo concentrates more than 60% of all venture capital investments in the country” and that “his greatest challenge is in Human Capital, where it occupies the 20th position 32 cities. ”

Then to Sao Paulo, the general ranking presented by Endeavor highlights, in order, the cities:

2nd place – Florianopolis with the highest rate of study, highlighting the number of teachers and doctors and leading the Innovation pillar;

3rd place – Victory, with a great balance between the pillars and second position in the pillar Human Capital;

4th place – Recife, with advantages in human capital by having the largest proportion of subscribers in the Technical Education and Regulatory Environment for providing low tax rates and facilitated bureaucratic processes for companies;

5th place – Campinas with the 4th best infrastructure for having the Viracopos airport is the country’s largest load center and has a huge potential to be the largest in Latin America .
The executive of Banco BMG shows that the Endeavor company has, as published in the launch of the Index, interest in helping cities studied to advance the indicators and become more conducive environment for the establishment and growth of companies and hence the domestic market. The research report, explains Marcio Alaor BMG, is divided into four parts, namely: Overall Ranking of the best cities to undertake in Brazil, Ranking by rated pillar Ranking by region of Brazil and detailing of cities and best local practices and International.

About Marcio Alaor
Marcio Alaor is the vice president and director of BMG Bank. He is responsible for leading one of the largest banks in Brazil and Latin America. His banks offer services to both businesses and individuals.

To date BMG has been a top leader and success in Brazillian banks for over 80 years. Marcio ALaor’s proven success record predicts that many more years of success await the ever growing financial institute.

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JetBlue Innovations by Marcio Alaor – BMG Executive

The executive of Banco BMG, Marcio Alaor reports that, according to the businessman David Neeleman, the choice of the word “blue” was for him to inspire positive feelings and refer to heaven. The winner of the campaign received lifetime passes on what came to be called Azul Linhas Aéreas Brasileiras.

The well-being and customer satisfaction has always been a priority of David Neeleman, current CEO of Blue, insists Marcio Alaor. An unusual feature among the airlines is the call center that interfaces between the customer and the company, which in the Neeleman company, unlike the majority of other air carriers, it is not outsourced at all. About four reports per day are sent by the business, says the executive of Banco BMG. The Blue also created, for passengers who were on flights up to an hour late, a credit of 50 reais to be used in the next trip with the company.

Currently, The Blue is the third largest airline in Brazil. According to the company, it is “the largest route network” of Brazil, with more than 100 destinations, and with 864 takeoffs per day. The figures represent a total of about 32% of the market, says the executive of Banco BMG.

However, Marcio Alaor draws attention to the difficulties that the company is facing in relation to the economic situation in which it is dealing with Brazil and the devaluation against the US dollar. The current situation of the Brazilian economy increases costs of the airline industry companies, in the context of passenger decline, says the executive of Banco BMG. According to information sent by the Blue to the National Civil Aviation Agency (ANAC), the company, by June, a net loss of 236 million reais because of the worsening of 25.8% of the cost of services, states the executive of Banco BMG, Marcio Alaor.


David Neeleman has always been popular among the crew of their companies and often, he solved the problems with passengers, says Marcio Alaor. At the time, he was president of JetBlue, flying with the company once a week, at the very least. Neeleman has always been directly involved with their companies, and he frequented the corridors of many airports, in search of suggestions from passengers.

The creative entrepreneur in the airline industry is responsible for preparing the e-ticket, which reduced operating costs and reduced bureaucracy at the time of boarding, making life easier for travelers, says the executive of Banco BMG. Marcio Alaor also recalls that it was Neeleman who created the Live TV. On JetBlue and Azul, David Neeleman enabled, even for a low-cost carrier, each seat on the aircraft to have access to live television. In addition, the aircraft offered pay-per-view movies, satellite radio channels and Wi-Fi system.

The executive of Banco BMG, Alaor Marcio, highlights that despite the hard work during the week, and the intense life of a successful businessman, David Neeleman does not forget to keep going on days off. He attends church on Sunday, he is the father of nine children, and lives with his family in Connecticut, in the United States.

Marcio Alaor, Top Brazilian Banker

Marcio Alaor is vice president of the Brazilian consigned credit giant Banco BMG, and one of best-known executives in the country’s banking industry. As a leader of the financial community, he is often called on to comment in the media on financial markets and the economy.

As vice president of Banco BMG, Alaor is part of the consigned credit revolution in Brazil, the rising trend in small-scale, secured loans The company is rapidly becoming a household name in Brazil as an alternative to older, more established financial institutions as a result. The success of BMG has led it to become one of Brazil’s major banks in the last ten years, with the company setting up a joint venture with giant Itau.

Recently, Alaor was interviewed on Brazilian television to comment on the exceptional case of the Brazilian economy. According to Alaor, wth most of the world’s economies either in recession or in stagnation, Australia’s strength as an exporter of commodities has been its saving grace. He agrees with economists who believe that Australia’s success also has a great deal to do with its aggressive fiscal stimulus package, with heavy tax breaks for corporations, along with increased investment in infrastructure, which is a major job-creator.

Banco BMG is well-known for its active sports sponsorship program, and Alaor has been very involved in the program, with the bank financing and sponsorsing dozens of teams. However, now that BMG has achieved its goal of enhancing its level of visibility, it is gradually scaling back sports sponsorship . According to Alaor, BMG is now the 3rd most recognizable brand among major sponsors of Brazilian soccer, joining the Top Ten list with the likes of Coca-Cola. In addition, BMG invests in a portfolio of soccer players and has made some extremely successful acquisitions in Brazilian soccer, according to Alaor.

BMG Bank President Ricardo Guimarães Is Changing The Loan Business In Brazil

For years, banks in Brazil didn’t lend money to consumers unless those consumers had more than enough collateral to cover the loan. Most Brazilians used the pay-as-you-go system to buy land, build houses and even purchase cars. Big purchases were cash transaction that occurred over time. If the banks felt consumers had enough collateral, they would lend money, but the interest rate on those loans was exorbitant by any banking standards.

When Antonio Guimarães founded the Land Credit Bank of Minas Gerais, he wanted to help miners get vehicle loans. Antonio made a fortune in mining and wanted to help his neighbors in the city of Belo Horizonte buy automobiles that were being manufactured in Brazil by the big American car companies in the 1940s. According to, Antonio’s bank was successful and by the time son, Flavio, was ready to take over, the bank was very profitable thanks to a lean internal structure.

Ricardo Guimarães was named president of the bank in 1998. By that time, the bank’s name was changed to the Bank of Minas Gerais or BMG Bank. Ricardo, the grandson of Antonio, had a business degree and 10 years of experience in the banking world. It was under Ricardo’s management that bank started to become more than a state bank, according to a article about the Guimarães family.

BMG Bank did something other banks didn’t want to do, according to The bank sponsored a local soccer club and soccer fans started to notice the orange BMG logo that the players wore on game days. Ricardo became president of the local Minas Gerais club in 2001 and held that position for five years. During that time, the banker learned the ins and outs of the soccer world. He convinced the bank’s board to sponsor more soccer clubs after President Luis de Silva changed banking regulations in 2008. Today, BMG Bank is one of the leaders in the consignment credit industry.

BMG Bank has expanded its reach in the last 18 years. Ricardo Guimarães is a well know figure in the soccer world. And he is a respected member of the financial industry. Several newspaper and magazines have interviewed Guimarães, and they always ask him about soccer, banking, the economy and political situation in Brazil. Portal.communique recently asked Ricardo about China and how China would impact Brazil’s economy in 2016.

The Chinese economic situation has played a devastating role in Brazil’s economic issues, and Guimarães thinks China won’t be a help in 2016 either. According to the article, Guimarães said the China’s currency, the yuan, is overvalued against the dollar, and it could depreciate by as much as 15 percent in 2016. That won’t help Brazil, but he said the Brazilian government may inject money into the economy this year, and that will help pull Brazil out of the recession.

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The Contribution Of BMG Bank And Marcio Alaor To The Financial Sector


Since 1930, BMG bank has been a leading financial organization in Brazil. This bank was founded, and is still part of the Guimaraes family. The institution started out as commercial bank, which focused on product and consumer financing for people and commercial entities. However, BMG changed its role to that of offering payroll loans .Consequently making the bank a yardstick for that type of service.

In 2012, the bank diversified its operations by coming together with Itau Unibanco S.A. in a Joint Venture contract to form Banco Itau BMG Consignado S.A. Consequently, this unification was a definite merit to BMG as it allowed the bank to shift focus to other operations, and services of the bank .The numerous services included BMG Express services, Payroll credit Card and financing of second hand vehicles. The shareholding of the total and voting capital stock for the venture is 40% for BMG bank and 60% for Banco Itau BMG Consignado S.A.

Testament to the fact that a person can achieve whatever he focuses on, Marcio Alaor, who is the bank’s vice president, was previously a shoe shiner .Nevertheless, he is currently the Vice-president of BMG bank, and has aided in building a trustworthy relationship, and boosting the credit cases with the clients through his expertise. In addition to his leadership and professional expertise, the bank has been able to incorporate state of the art technology among is operations. Subsequently, it has led to more efficient and fast services for the clients.

Macio Alaor is responsible for the strategic plan to expand the funding and investment of the bank commensurate to aiding clients achieves their objectives. He is also a member of the Board of Directors therefore; he and other members understand the need to come up with a plan for the success of the business. Moreover, Mr. Marcio has been applauded by various people including local authorities and politicians during the inception of a square, which was named after him. This was in honor for his service delivery in developing his hometown.

Among BMG’s strongest attributes is the development of loan cases in an appropriate manner, which guarantees customers of superb profit levels. In addition, the company utilizes a framework for identifying talent, which has led to a highly skilled and competent work force. The employees through synergy groups are able to come up with solutions to complications at the bank. Further, the bank has been able to achieve and cover great strides in its operations due to its highly qualified personnel.

Tips on Investing in Brazil


Brazil has experienced spectacular growth in its economy in the past few years. Observing statistics from the past decade, Brazilian wealth and social status has increased impressively. As a favorite investment place, Brazil is performing well in key areas of the economy. Both individuals and companies are offered friendly investment opportunities in Brazil. In Latin America, Brazil is the most developed country. This is due to the fact that it has a wide range of resources and millions of acres for agricultural production.


Brazil is an emerging market and the government has been observing this with relative optimist about the future of its economy. The over reliance on the U.S. has been diluted in some ways, and now Brazil is focusing on overseas trading partnership which include most influential countries and multinational companies. The economy of Brazil has grown significantly and is ranked sixth in terms of nominal GDP. This is definitely a positive approach for the future and integrates well when the political arena remains calm.


The economy of Brazil has been growing on an average of 5% per annum over the last few years. In fact, Brazil is one of the fastest growing economies across the world and the best economy in Latin America. The country has adequate resources like oil, ethanol and agricultural land and this has attracted investors from all over the world. Also, manufacturing industries for automobiles, computers, technology and aircrafts are available in this country. Investors should seek the advice of fund managers in this country in order to make the right decision.


Zeca Oliveira is a fund manager and president of Bridge Trust Administration Company. This company started operating as investment fund manager in 2014, under the command of Zeca Oliveira, and less than one year of operation, its already controlling more than double the value it started with. This has been viewed by stakeholders as a great potential the company can achieve. Zeca Oliveira and Fernanda Lima decided to work together in a partnership agreement between Bridge Trust and Gradual Investimentos. This agreement is still waiting approval by the Brazilian Central Bank.


According to Zeca Oliveira, working in association with a brokerage firm has been in his mind for quite long. The plan is a step in the right direction that will see additional incomes and also reducing the cost of operations. Oliveira thinks the new alliance will allow cross-selling of their products and services hence increasing their customer base. Both traders are optimistic the association will gradually enhance growth of projects and new products and services would be available to the customers.


Investors are encouraged to work with investment fund managers in order to learn how and where to invest in Brazil. Investment firms are experienced in this field and would propose the most favorable investment a trader can make. Such traders are offered several investment opportunities when they engage investment banking professionals. Investors should take this opportunity and invest in Brazil and expect to get huge return on investment.