Category Archives: Brazil

Enchanting Shopping Experience with Roberto Santiago

Manaira Shopping is among the largest shopping malls in Joao Pessoa, Brazil. The establishment is the property of a popular entrepreneur Robert Santiago. Santiago’s shopping mall encompasses global brands and has continuously gained a robust reputation for offering an incomparable and competitive shopping experience to the Brazilian clientele. Manaira Shopping was developed with the core intention of providing a variety of leisure, fun and comfort option to customers. The mall’s location in the resort city has propagated its status the more.

Manaira Shopping had developed itself as the Joao Pessoa’ go-to entertainment hub. Roberto Santiago designed the entire space, which depicts why he has a strong personal attachment to the mall. The huge shopping mall provides diverse entertainment options, which fit the need of families and thrill seekers alike. The fun, comfort, and tranquility offered by the mall are unprecedented. Manaira Shopping featured numerous amusement parks, bowling alleys, ballrooms and movie theaters.

The mall’s cinema is its standout facility. Manaira Shopping encompasses 11 theater rooms all that are equipped with digital 3D equipment, plush seating on BlogSpot as well as the VIP chambers. The facility features a broad and comfortable view angle. All theaters feature mini-bars, which come with drinks catering for all preferences and tastes as well as gourmet popcorn machines. Aside from the entertainment and fun, the space features a modernly equipped gym, which is hosted by competent and experienced instructors. This has assisted in strengthening the relationship the mall has with its diverse Northern Brazil clientele.

Roberto Santiago is synonymous with the success of his Manaira Shopping. The shopping mall was designed by Santiago in a manner that provides its clients with unique dining, shopping, and entertainment experience. The success of the modern-day shopping mall has propagated the development of other similarly successful entities. These enterprises include a motorsports business on Odiario.com and a cartonnage firm.

Roberto Santiago is an alumnus of the Marist College Pius X as well as the University Center of Joao Pessoa (UNIPÊ). Roberto, in his studies, specialized in business management. With a robust and extensive academic background, Roberto Santiago has aided in honing his business acumen from his early years. He additionally featured a profound zeal for succeeding, something that has steered his passion forward to date. Roberto Santiago’s resilience fostered his success since his tentative days in the business universe. This is evidenced by the fact that his mall, Manaira Shopping Mall was established when he was just 30 years. Additionally, Roberto Santiago is a passionate sportsman. He has participated in several motocross and art championships across South America, winning some of them.

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Brazilian Banker Ricardo Guimarães Weighs-In On The New Anheuser-Bush Incentive Plan

Some beer drinkers consider themselves beer experts. They experiment with different brews and breweries and then decide which craft beer will be “their beer.” Having a craft beer that a beer love can own as “his” is important, but a large number of those beer lovers don’t realize that the St. Louis based brew master, Anheuser-Bush, may be the company that owns their favorite craft beer.

The craft beer market in the United States has skyrocketed in the last few years thanks to a new group of American beer drinkers. Foreign investors have also played a part in the surge in craft beer sales, according to Brazilian Banker Ricardo Guimarães who is also a beer investor and lover. Brazilian breweries make a pretty good beer, and they control the market because the government has controlled imports for years. But beer making and selling is changing in Brazil, and it is also changing in the United States.

Over the past five years, AB InBev has invested in several craft beer companies. AB InBev recognizable brands like Budweiser and Bud-lite have lost market share due to the surging craft market. In order to win back that market share, AB InBev is offering American distributors an incentive plan that could put $200,000 a year back into their bank accounts. All distributors have to do is promote AB InBev craft brands instead of independent craft brands.

Anheuser-Bush will reimburse the distributor for half of the marketing and retail display costs. That plan started at the beginning of 2016, and one distributor has already agreed to follow the plan. According to banker Ricardo Guimarães, the plan is considered a payoff to gain market share, and in his opinion, that kind of deal should be illegal. The United States Department of Justice may agree with him. After receiving several complaints from craft breweries, the DOJ is investigating the AB InBev plan.

Ricardo Guimarães is familiar with plans that push small businesses out of business. Guimarães is not just a banker, he is a wealthy businessman that has interests in mining, coffee, cattle, beer and soccer. The Guimarães family bank, the BMG Bank, sponsors soccer clubs. The bank has become one of the most recognizable banks in the country thanks to the three letter orange logo that soccer players wear on team jerseys during matches. BMG Bank is a very profitable bank and Ricardo Guimarães is a respected business man that happens to love the game of soccer.

The AB InBev incentive plan may sound good to Anheuser-Bush investors, but it’s not a good deal for consumers. Even the distributorships will find that selling one company’s products exclusively doesn’t work in the long run, and the beer distributing business is certainly a long-run venture.

Rising Above Challenges Like Marcio Alaor

Marcio Alaor, the vice president of BMG bank, is no stranger to challenges that he must face. He has worked to overcome all of the challenges that have been thrown his way and has handled all of them with grace. He has come out of all challenges as a stronger person.The first challenge that Marcio Alaor faced was in the way that he did not have a career. He worked as a shoe shiner. He knew that this was something that he could not do for the length of his life, but he had nowhere else to turn because he did not have a large number of skills or any formal education. While he was working as a shoe shiner, he knew that he had to do the best job possible to get the money that he needed and to move ahead in the world instead of being stuck at the bottom of the corporate ladder.

His hard work paid off. He did the best job that he could when he was a shoe shiner and an executive paid attention to it. The executive of the BMG bank liked the work ethic that Alaor had and saw the drive in him. He offered him a position at the bank. This, alone, was an opportunity that Marcio Alaor never thought he would have. It was a dream come true for the young man, but he still had some hurdles to jump over before he could relax in his position.

As an entry-level banker, Marcio Alaor had to learn everything about banking with a blank slate. He did not have the education that many bankers had and was not able to fall back on that in case something ever happened to the position that he had. Since he knew that, he worked even harder. This eventually led to him getting a better position at the bank. From there, he quickly promoted through the different banking positions. He learned everything that he needed to know as he went through the different positions.

He eventually worked so hard that he became the vice president of the bank. He did not skimp on any positions and managed to work as hard as anyone else in the bank had. He now holds the position that is similar to the one of the man who gave him his first opportunity in the banking world. When he has challenges as the vice president, he always knows that he can conquer them. Anything that he could face is small compared to the challenges he faced while rising through the banking world. From a shoe shiner to the vice president of one of Brazil’s biggest banks is not an easy task.

BMG Sponsors Marcelo Melo As Newest Athlete Under The Stewardship Of Ricardo Guimaraes

Recently, BMG bank announced a new sponsorship for tennis player Marcelo Melo, after signing a commercial agreement with the sportsman.
According to the Association of Tennis Professionals (ATP) world ranking; Marcelo Melo occupies the number one position in dual sport. Ricardo Guimaraes says that BMG bank’s logo will be exhibited on the sleeves of Marcelo Melo’s game uniform, training gear and other materials. The athlete said that the signed contract would assist him in preparing for the next Olympic Games that will take place next year in Rio de Janeiro.
Marcelo Melo noted that the help from the sponsorship was important for it enabled him and his partner, Ivan Dodig, to be double champions at the Master 1000 Paris. The bank wants to augment their projects so that they can win more titles and prepare well for the upcoming sporting event in the world.
The partnership that was signed in early November comes with a wealth of value. Ricardo said that the investment was worthy, as Marcelo Melo arrived in Brazil amid celebrations after conquering another tournament. This time round, he carried the doubles championship trophy that he won together with his partner, Ivan Dodig, in the 1000 Master of Paris. It was the Brazilian’s fourth uninterrupted win.
This year alone, Marcelo Melo has won in the Tokyo and Vienna championships, ATP’s 500 Acapulco, as well as Rolando Garros and Master 1000 Shanghai. BMG bank embraces the tradition of valuing sport and talents in the state of Minas Gerais. It also sponsors various categories in Brazil especially the visibility and prominence of sportspeople on the international stage. Ricardo Guimaraes points out that it is imperative to support athletes that are committed, dedicated, and disciplined. According to Ricardo Guimaraes, Marcelo Melo has displayed excellent abilities thus deserving the opportunity.
Ricardo Guimaraes is the president and owner of BMG bank. He has played an active role in the management of the company for more than 30 years. BMG was established in 1930. Ricardo Guimaraes is a top financial analyst not only in Brazil but also across the world. In 2004, Ricarrdo received the Grand Collar of the Legislative Merit award. He has been supportive of all sports besides being a successful businessman. Ricardo Guimaraes also values sports promotion especially sponsoring professional athletes in enhancing their careers. In 2010, he established the Ricardo Soccer BR1, which is an investment fund that deals with football athletes. BMG continues to register impressive consumer base besides enhancing its profitability margins.
Source: R7.com

Marcio Alaor BMG

Vice President and Director Marcio Alaor is one of the top executives of BMG bank. With Marcio Alaor as vice president and director of the bank, BMG has been able to firmly establish itself as a leading financial institution in Brazil. The bank has existed for nearly a century and has provided people with a number of services that make financial management very beneficial. With BMG bank people can take advantage of a number of services which include investments, loans, credit cards, deposits and insurance. As a result, anyone looking to get well rounded financial services from a financial institution will be able to with ease from BMG Bank.

One of the more beneficial financial services offered by BMG bank is loans. With loans many people can get the financing they need in order to complete the purchase of things such as real estate and vehicles. Since these two items are quite expensive, individuals will often need assistance from the bank to acquire things such as these. Fortunately for consumers, the bank offers very generous terms along with low interest rates in order to make homes and vehicles very affordable. By getting loans, people will have not only money they need in order to purchase these high priced items but also the ability to improve their quality of life with better homes to live in and better vehicles to drive.

Another service offered by BMG bank is credit cards. With credit cards, individuals will have a certain amount of funds available to make purchases as well as give themselves a form of short term financing. Using credit cards is both ideal for emergency situations as well as the ability to make purchases on a more convenient basis. If anyone gets into a situation where they need money right away and don’t have funds available, a credit card will enable them to make the financial transaction with no difficulty. When people are looking to make a purchase and don’t feel like spending their cash, they can use a credit card to pay for any consumer goods or meals with ease.

Individuals looking to bank with BMG can also take advantage of investment and insurance services. Investment services give individuals the opportunity to put their money in securities which grow their savings as well as provide them with income. This will allow them to establish financial security. Using insurance provides them protection for their home, business and other property.

Recognition And Honour Of Marcio Alaor, Banco BMG At Square Inauguration

The day started well and came the most awaited time to honor and recognize the efforts of one of their own from San Antonio community of Mount. All that happened during the 33rd agricultural exhibition that likewise saw the launching of Alaor Marcio Araujo, food court. It was a fitting tribute to the individual who served his community and had its acknowledgment by having the square with his name. The honoring was not meant to make the business visionary Marcio Alaor of MG bank won as a tribute for helping the city. However, a plate was additionally made; lauding the significance of his works and that clarified the love from everyone and the manner they acknowledged everything achievement the executive had accomplished.
While the introduction happened, lawmakers and neighborhood leaders gave the significance of that ceremony in recognition of the work that the business Marcio Alaor did and intended to do for Santo Antonio, his birth place. During the introduction of the beautiful event, Mr. Luís Antônio also portrayed the honor towards Marcio clarifying that he was grateful for his nation individuals including those who work in the Exhibition Centre. Luis Antonio stressed the identity of Marcio Alaor and reminded people that he never disregards the city’s issues, and that was not done in return for political favors.
Wilmar Son was present at the season of opening the nourishment court furthermore discussed the essence the business visionary Marcio Alaor added to Santo Antonio. He also highlighted converting the place that was used as grain stockroom before. Space will then be improved and utilized as a food court. At the point when Marcio Alaor took the floor, the Vice President of BMG Bank, accentuated his past and his vision world in reporting some of his past and his tribute impressions.
In telling a touch of his history, how he buckled down as a shoeshine kid, Marcio Alaor highlighted how he was not just concerned with the money issues, and he was a man who knows how to thank and honor the general population that entails offering assistance whenever necessary. On the other hand, using his words, the business person expressed gratitude toward his family and felt respected to get tribute while still alive. He noticed that such respects normally happen to the individuals who don’t exist in this life. Feeling advantaged to this differential occasion, Marcio was quick to talk about Santo Antonio and how he is willing to change the city by offering any help whenever necessary. Nearby authorities were present to witness the Marcio great day and used the chance to raise other relevant City issues and have the backing of some greatest officials in Brazil.

Ricardo Annes Guimaraes

Ricardo Annes Guimaraes recounts growth in the Brazilian population has played a significant role in consolidating favorable conditions for the consigned credit market to grow among other factors such as the Gross Domestic Product. BMG Bank joined this industry in 2004 when it was worth six billion dollars, and at that time, the credit explanatory was put at 22 percent. This has since grown to 50 percent, hence increasing the bank’s market share from 20 to 80 percent. In 2004, the consigned credit industry was worth 85 billion dollars, but this has grown to become about 60 percent of today’s personal credit in the market.

BMG’s Large Distribution Channel

Ricardo Annes Guimaraes is of the opinion that the industry has grown this far due to the effort, discipline and teamwork his bank has put into the industry. As such, the industry is undergoing one of the fastest growths in Brazil’s financial history. According to Ricardo Annes Guimaraes, his company has the largest customer base owing to its 3000 points of sales and 50,000 agents in each municipality, hence significantly increasing the bank’s ability to serve the existing customer base faster and more efficiently while reaching out to potential clients and introducing them to bank’s policies and credit services. In addition, BMG Bank has one of the cheapest credit as well as lowest return on equity, which makes it suitable for most potential clients. It is no doubt that the bank gets a sense of loyalty from its clients and has become a first mover in the consigned credit market today.

BMG Bank has also ventured into international markets by launching its branches in neighboring countries, hence diversifying its equity. The bank also sponsors several sports clubs including volleyball, basketball and soccer teams playing in the first and second league.

The Biography of Ricardo Annes Guimaraes

Ricardo Annes Guimaraes first joined the Banco BMG S.A. as a financial executive officer in 1989 before becoming its vice president in June 2004. He has since served as the chief executive officer of Banco BMG S.A. since 1996. This was after his appointment as vice president of Grupo BMG S.A. de C.V. Ricardo Annes Guimaraes has also acted as the group’s director since 2008 and is currently a member of the board of councilors of Banco BMG S.A. He graduated from Una-Faculdade de Ciencias Gerenciais in 1988. He has a bachelor’s degree in business administration.

The Achievements Made By BMG Under Marcio Alaor

The creation and development of banks globally has provided individuals, government and corporations with innovative financial services and products. Banco de Minas Gerais has been providing financial services for long. The institution, which has been around since 1930 has a reputation that supersedes other banks in Brazil and worldwide. Since its conception, the financial institution has been under the management of the Pentagna Guimaraes family.
The bank offers different services that attract diverse customers around the country. The services offered by BMG include home equity loans, pay roll services, tender financing, automobile financing as well as small and medium business financing. The affordable interest rates on loans and conservative credit policy has enabled the bank to increase its client’s base. Another reason for the success of the bank is the portfolio firms they seek to work with. A high quality portfolio can help in the growth and development of any financial institution. All of BMG’S credit decisions are undertaken by the credit committee structure, which was created as a platform for effectively meeting the clients’ demands while increasing profit for the bank.
Marcio Alaor, the director and vice president of the bank, has been very instrumental in enhancing the growth of the bank. He played a pivotal role in the partnership between BMG and Itau Unibanco towards the commercialization, distribution and creation of pay roll services. The partnership is meant to increase the pay roll services and increasing the clientele base. The contract was signed in July 2012 and the Banco Itau BMG Consignado SA partnership was brought into existence. The joint venture was successful and the two institutions ended up drafting a second agreement in 2014, which cemented the business bond. Banco de Minas Gerais has total stock votes of 40% while Itau Unibanco has the remaining 60%.
Initially, when BMG started its operations, its area of focus was heavy vehicle financing and wholesale financing. As it continued to develop, they added a number of services that enabled BMG to meet the diverse needs of different clients. The bank has a board of directors. These directors are in charge of integration of governance policies in the day-to-day bank operations. The bank also works with Marcio Alaor in executing decisions, which they feel will add value to BMG. The board has created initiatives that have been vital to the growth and operation of the BMG. Some of these initiatives include the Anti-Money Laundering programs and the department of independent strategic and audit relations.

Understanding From The Best

Today Lesson
Alright today we will be reading about a man who has spend most of his life in the never ending business of banking.Many people will try to make their bones in this world but only a few will really ever make it to their destination.So who is this man that made it to he top?Well he is no other then BMG Bank CEO & President Ricardo Guimarães.

Video Learning
In the year of 2004 BMG Bank CEO & President Ricardo Guimarães came to power in a time that the country had never seen.Progression of the country living condition going up with the market making new ground with trade all across the country.

Home Increase
While the conditions of the country improved so did the check book of the bank with successful credit reports going from 6 billion to well over 80 in just ten years.The same would be said about the other forms of credit with the bank going from just a few million to over 14 billion a piece in just 6 years.All of this has been due to not only the around the clock team of BMG but also its leader BMG Bank CEO & President Ricardo Guimarães.

New Generation
The reason for the credit system being in such good standing is because the need for the form known as co signed credit is the easiest and cheapest available to the average costumer.Even after all of the increase there is still over fifty percent of the market untouched leaving there to be a long lasting future for this credit. market.

Stance
The power of this bank is to be reckon with due to a firm foot hold in the market with 18 percent.Going against 60 banks in the market it has been more then proven that the bank has made the right calls to stay in this power structure.The client base being over 5 million it shows for itself that people are more then satisfied with this service.

Sports
The bank does not just work with regular people but also with major sports and their players.Knowing that the country of Brazil along with others use banks to keep everything in track.BMG has used this to their advantage by being the go to guy for the majors owners and players looking to make a sound call with their money.So with all this info what is wrong?

Gaining A Competitive Edge Over Other Financial Institutions

One of the things that give a business a strong competitive advantage over another business in the same industry is strong brand recognition. When customers and potential customers recognize the business, understand what it stands for, and trust that business, they are likely to continue to go back again and again. BMG is the well-known across Brazil. This bank has been in business for more than 80 years. They are a leader in the Brazilian credit market. Individuals all across Brazil recognize this company and are extremely familiar with its brand.

With Marcio Alaor as its vice president, BMG they works with individuals and companies in the public and private sectors. They offer a variety of services including home equity loans, used car financing and payroll credit cards. When an individual is interested in getting a loan for the purchase of a used vehicle, they turn to BMG. They have performed outstandingly in the financial market for years and years. For this reason, when companies or individual’s turn to them for financial services, they understand that they are turning to a company they can trust.

Another area where BMG and other successful businesses have a strong competitive advantage over other businesses is when it comes to their entrepreneurial spirit and pioneering culture. Throughout their more than 80 years in business, BMG has always been interested in trying new things with the idea of improving their customer service and increasing their profitability. Vice President and Director Marcio Alaor is definitely one of the forerunners when it comes to exploring new ideas and implementing them. BMG was one of the very first banks to add and offer payroll loans. They began offering these to public employees as well as pensioners of the Brazilian social security system. They also invest a large amount of money and energy into developing systems and platforms that have become benchmarks in the banking market. They seek funding structures that are suitable to their assets profile.

Individuals who are familiar with BMG’s governance practices have a high level of respect for them. BMG has worked hard in order to professionalize its management. When individuals who have worked with this company think of the individuals who represent this company, they think of professionalism. One of the benefits of this has been attracting more investments. It also contributes to the sustainability of the business. This company is constantly interested in finding ways that it can improve.