The Competitive Advantages of the BMG Bank

The Pentagna Guimaraes family owns and operates BMG, which is a financial institution in Brazil. The bank offers a number of financial products to both individuals and institutions. Much of the banks success is due to the strong financial background of the Guimaraes family and the competitive advantages of the bank.

Up until the mid-nineties, the main business of the bank was wholesale and consumer financing. The bank was an industry leader when it came to financing for heavy and light vehicles during the eighties. However, during the late nineties, the bank would branch into other services for payroll loans. BMG finally formed an agreement with Itau Unibanco to offer, process and manage payroll loans throughout Brazil.

Overall, BMG maintains and enjoys a strong performance record within the financial industry. The bank excels in providing credit solutions for individuals and companies. Their products include vehicle financing, BMG Realiza, payroll credit cards and BMG Empresas.

After operating in the banking industry for so many years, the bank’s operation is strong, and it has developed many competitive advantages over the years. These competitive advantages include brand recognition, credit policies, an entrepreneurial spirit and solid corporate practices in addition to flexibility and adaptability.

• After more than 80 years in the financial industry, BMG has a strong following and it is a recognized brand. This Brazilian company is known for offering credit solutions, a variety of loans and credit card options for both large and small companies in addition to individuals.

• BMG maintains a tight rein on their credit policies, which are continually revised to meet market conditions.

• The bank takes a great deal of time to invest in new technologies and products that meet the needs of the community and institutions.

• BMG operates under its own corporate practices to manage and attract a variety of new investments while contributing to the longevity of the business.

• The bank has an adaptable style and flexibility when it comes to changing market conditions and will continue to do so in the future.

Much of the success of BMG bank is due to the efforts of Ricardo Guimaraes. Ricardo is one of the owners of this Brazilian bank, and he is the CEO and the president over BMG. He also presides over the Board of Executive Officers group as the vice president.

With a long banking history, strong management and an entrepreneurial spirit, BMG will continue to be recognized as leader in the Brazilian banking industry.

Marcio Alaor Plans On Netflix

Netflix, the business sector pioneer in big business gushing recordings, has been making incredible potential activities to its development in mid 2016. With an extension to a few nations denoting the main day of the new year, the organization now covers more than double the region secured beforehand, and vast ventures are arranged. One of the greatest wagers for the year, Netflix has reacted to the worldwide inclination and unwaveringness of their endorsers with a ton of movement, advancement and advancement.

The known video transmission framework extended its entrance system to more than 130 nations prior this year, reports Marcio Alaor, official VP of Banco BMG. What’s more, even in 2015, just 60 nations this administration was given. A development of significant extents that just has been limited because of the US government to keep their organizations arrange with a few nations, for example, the Crimea, North Korea and Syria. There are arrangements for venture into China in 2016, reports Marcio Alaor, in spite of the fact that they might be deferred.

A nation for which the organization has extended and that is a high number of shoppers because of its high populace number, is India. In this nation, a spot with more people where Netflix works and has a solid film industry, the organization will obtain neighborhood highlights, reports Marcio Alaor official of Banco BMG, with the presentation of Bollywood movies close by motion pictures accessible comprehensively. By and by, the nation is one of the world’s driving examples of theft, so it is not comprehended what will be the real utilization in this business sector.

An advancement of Ericsson together with Volvo has demonstrated a settlement of different parts to this spilling expansive recordings. These organizations, as the official of Banco BMG, are building up a framework so you can watch Netflix programs anyplace, regardless of the possibility that you are not associated with the web.

In this situation, the gauge for the development in the quantity of purchasers and the organization’s incomes are the most ideal. It is relied upon that from 2016 to 2020 the quantity of endorsers will develop at a rate of 24% every year, demonstrates Marcio Alaor, and toward the end of the set period, the quantity of shoppers would be 150 million, includes the official of Banco BMG. Because of current circumstances, income would be 20 billion dollars. The benefit in 2016 was 137 million in 2017, 500 million and in 2018 was 1 billion, reports Marcio Alaor , the BMG bank. 2016 ought to be an incredible year for Netflix.


Ricardo Guimares is a name that evokes mixed feelings in Brazil. On one hand, many competitors shudder with fear trying to guess his next move and on the other, ordinarily day Brazilians celebrate him on the streets and honor him with degrees.
Guimares has achieved what was formerly thought impossible. He has managed to steer a former miners bank from obscurity to today when it is one of the largest. It today has 5 million customers in the consigned credit department. It controls 80% of that market thanks to Guimares efforts in playing that field. He has turned the fortunes of this bank around in his time at Banco BMG.Market capitalization has grown from $ 300 million to $ 2.1 billion.
Ricardo Guimares is the grandson of the famed banker Flávio Guimarães Pentagna.It is Mr. Pentagna who started the bank back in 1930.Guimares joined this family business in 1980 as an office assistant. The ever hardworking Guimares completed his Business Administration degree in 1988 and was named the CIO.Guimares was named the vice president in 1996 and became president in 2001.He has been CEO since 2004 but gave up the president seat in 2006.
Guimares was recently honored with an honorary degree by the Bero Horizonte town hall. It was a colorful ceremony attended by the high and mighty in the state. The award was presented to him by the deputy governor. It marks a continuing tradition of senior BMG receiving accolades from their contributions.Marcio ALour was recently surprised with a food court and a town square plate named after him.BMG hires only the best and brightest, and they go on to make a big difference in her society. He deputy governor praised Guimares for his sense of patriotism that starts at home. He said it was the best way to develop the country.
Ricardo Guimares is himself a big soccer fan. So big that he recently started a hedge fund to support soccer players. The fund identifies promising players and brands them appropriately. It then seeks to promote that brand and cash out from that brand. It is a genius way to make money for a player and fund.
Banco BMG has always been a big sponsor of sports in Brazil. Its name appears in over 100 soccer teams from all the Brazilian leagues. The bank recently announced Marcio Melo as its latest sponsor. He will fly the companies flag all over the world.
Banco BMG has over 3000 branches with 50000 agents. It recently merged with Bank Itau to create BMG ITAU PAYROLL.
This article is a recap from

BMG Bank President Ricardo Guimarães Thinks The 2016 Summer Olympics May Give Brazil The Boost It Needs To Resurrect Itself

Brazil will struggle economically for the best part of 2016, according to the Brazilian government, and many economists around the world. The recession has deep roots, and financial experts like Bank President Ricardo Guimarães think that several things have to happen before Brazil is financially healthy again.
Guimarães thinks the country must get rid of the unnecessary tax code that makes businesses spend more than 2,600 hours a year to pay what the government says they owe. Guimarães doesn’t think the Rousseff administration will be around long enough to make that happen in 2016, but he believes the Summer Olympics might give the country the boost it needs to get back on track economically speaking.
The Summer Olympics will pour billions of dollars into the Brazilian economy, and Mr. Guimarães thinks that money could be the catalyst for a rebound. Guimarães knows a lot about sports. His BMG Bank sponsors tennis, soccer and volleyball athletes and teams. According to an article, Guimarães is the godfather of Brazilian soccer.
BMG Bank under Ricardo’s leadership has invested millions in soccer, and that investment has made the bank popular with soccer players and the fans. The BMG Bank logo is visible on game days throughout the country, and Guimarães couldn’t be happier. Bank profits have more than doubled the last two years in spite of the recession.

Ricardo Guimarães believes that the Summer Olympics will have a positive impact on Rio de Janeiro’s economy as well as its infrastructure. Rio may be not be fully prepared for the games, but Guimarães thinks the city will make money for the country during the event. The committee in charge of making the Olympic Games successful has enough entrepreneurs in place to make a difference, but some Brazilians are concerned because some of those entrepreneurs are not proactive enough to efficiently get the job done.
An article about Brazilian entrepreneurs was recently posted by Ricardo Guimarães thoughts were part of that article. Brazilian entrepreneurs do lack the ability to be assertive in certain situations according to a survey done by Endeavor, a Brazilian firm, and Meta, a British research firm. The study discovered four distinct types of entrepreneurs and not all of them have the desire to be proactive in certain situations. Guimarães said that cleaning up Rio’s favelas is a good example of that lack of proactivity.
But in spite of the challenges, Ricardo Guimarães, the sports aficionado, and financial expert expects the Summer Olympics to be a success and a money maker for Brazil. Most of 2016 will be behind Brazil in August, but the money that the games generate could be the foundation a fourth quarter turn around, according to Guimarães.

Marcio Alaor Plots The Rise Of Empires

Stock market investors are becoming much more interested in the automobile industry as a good solid investment with medium return times and high profit margins. Even during this time of buffeting from the likes of Volkswagen and Audi, in their diverse scandals, Marcio Alaor, CEO of Banco BMG, gives an expert opinion along with education in the history of the world’s automakers and how they have fared overall on the stock market. This information as first published here: Marcio Alaor’s Expert Analysis.

As Marcio Alaor explains it, General Motors (GM) finished a 100 year long Initial Public Offering (IPO), now valued at approximately $53.52 billion USD, Ford Motor Company followed later, in 1956, when their IPO launched. This is the normal process of a private company enlarging with enormous publicly pooled investment funds to quickly grow into a very large business. He covers all the bases by going over all the ancillary events happening in history that precipitated an enormous increase in peoples’ mobility. Along with more mobility was an increasing interest in relocating to work and explore new areas of the country and the whole rest of the world. The IPO is a tool for fundraising of capital for the business to grow from and where the payoff for those investments emanates.

Another bit of auto manufacturing lore that Marcio Alaor shared with his proteges is Ferrari’s IPO in Italy, which increased 5%, leading to the company being valued on the stock market as a $10 billion firm. Mr. Alaor also reported in Exame Magazine on performance data that he and others had already collected on the most-popular IPOS automakers. Marcio Alaor is more than simply the chief executive of BMG Bank, he is an experienced and most-expert analyst who can also recite histories of all the players in all the markets with the clarity of a fine historian. He is well educated and has proved his individual approach and genius in more than a few murky investment waters. His advice on many types of matters is often sought out by the wealthiest and the wisest.

Why Marcio Alaor Is A Leading Entreprenuer In Brazil

Over the years, the banking institutions have advanced in service deliver and are riding on the international limelight. This has led to emergence of many banking institutions in Brazil. As such, these banking institutions have led to increased economic development and subsequent improvement in the living standards. The BMG Bank has continued to flourish into one of the most recognized institution in Brazil. Marcio Alaor is the Vice President of the bank which has moved through the ranks to become one of the notable banks in Brazil. He was highly recognized in the 33rd Agricultural Exhibition which was held in Santo Antonio do Monte. His good leadership skills made him to be among the most respected member of the society who has contributed a lot in the development of the Santo Antonio do Monte. Every speaker who talked at the exhibition continued to give praise to Marcio Alaor as moving beyond economic odds to assist every member of the community. In his contribution at the inauguration, Luis Antonio thanked him for being loyal to the city towards service delivery and did not expect any political favors in return. This was the main principle that made him to become successful in the world of financial investment and economic development.

From a humble background, Marcio Alaor started his career from just a shoe shiner in the city to one of the most notable business personality to be emulated. His good acts of governance have left many citizens of the city pouring tribute to his good personal attributes towards helping the entire city to develop economically. He was also applauded for being the proprietor for the development of a grain warehouse into a food court that improved on space and service delivery.

In the inauguration of the 33rd edition of Expose Samonte, many local officials at the at the event continued showering praises to Marcio Alaor and the contribution he had put in place to ensure the city grows into an economic hub. He has also contributed a great deal in developing the city into being one of the most reproductive agricultural regions in milk production. The city is known to have low agricultural land but has diversified into other programs to improve agricultural development. The president of the Rural Union Vilmar Octavian continued to shower blessing to Marcio Alaor on how he has moved through the tight economic challenges to help make the city productive. Marcio Alaor on his part, he was highly honored through the tribute in which he said most tributes are accorded dead people but he is happy to receive his while still alive. This has continued to drive his development agenda into one of the most successful and sought after business personality.

BMG Setting The Banking Market Standards

The economy of a country depends on the ability of people to bank their money, take loans and steer their economic activities. Banks, therefore, act as a lubricant to the economy of a country and the world at large. BMG as a preferred bank is growing day by day, making a huge impact in the Brazil economy. This has made the people to always feel comfortable when they are banking with BMG. This is because of the strategies being laid down by the management of MarcioAlaor, who serves as the vice president and director of the bank.
A working strategy
The bank is aware of the growing needs of the clients. This has seen them develop new products and offering the satisfaction people need from the banks. Their strategy includes growing the loan portfolio in a sustainable manner and increasing profitability to ensure continuity. The credit policy has also thrust the bank into higher levels of monitoring the performance of the bank to cushion against losses. Funding sources have also been diversified thus making the resources required available to help realize the projected growth under the leadership of MarcioAlaor. The diversification is also a plan to help draw a long-term plan of how to keep the bank top in the market.
Marcio Alaor has been part of the great management team focused on controlling the cost. This has helped the bank to benefit from the economies of scale. He has also been able to develop a high performing team of employees. This involves focusing on the talents to ensure the performance of every team and individual is at the peak. Employees thus benefit from serving in the company as they develop their competencies. This makes the banking institution to stand out in the market and remain highly competitive.
Standing strong
Since the inception of BMG, it has been a great milestone in the financial industry of Brazil. It has initiated programs and developed products fitting the market needs. Over their 80 years of working, their performance in loans has been appreciated by companies worldwide. This is because of their offer to finance cars plus other loans. The institution has also been revising the credit policy to make sure the growing needs of the market are catered for. Changes in the economy have also not affected the bank as it easily adapts to changes. The entrepreneurial and growing culture as a pioneer of new products makes it a preferred choice.

BMG: The Premier Banking Institution In Payroll Loans In Brazil

For success in business, experience is paramount. This has been the case for BMG bank in Brazil, which was founded by the Guimaraes family in 1930.This family boasts of experience in the financial market with an excess of eighty years. The coming together of Itau Unibanco S.A., and BMG through an agreement signed on July 2012, marked the inception of a new joint venture. The venture was dubbed Banco Itau BMG Consignado S.A. The main goal of the joint venture was to offer commercialization and distribution of payroll loans in Brazil.

BMG benefited from the joint venture and the various merits include being able to concentrate on other vital products such as BMG Empresas, which is the financing of medium and suppliers of large firms, financing for used cars, and the Payroll Credit Card. The venture is characterized with 40 percent of the total and voting stock being held by BMG and the rest 60 percent by Itau Unibanco.

Further, due to the bank’s conservative credit policy, the bank has enjoyed working with high value credit groups. This has been facilitated through the credit committee, which works efficiently, rationally, and reliably to make all credit decisions in the bank. In addition, the bank has gained attractive ranks of profitability through the emphasis on loan portfolio.

Sustainability of a business is key, and it is one that BMG has taken seriously. This has been evident in its actions to diversify the banks funding through long-term means. Consequently, through BMG Invest, which is a platform for fixed income aimed at companies and individuals, has led to reduced liquidity risk for the bank through working with smaller average ticket.

Human capital is a key element of a business operation because it is the driving force that keeps it running day in day out. In relation to this fact, BMG has gone out of its way to come up with highly qualified teams who inculcate team work to overcome obstacles in the bank. Mr. Marcio Alaor is among the highly qualified personnel working for BMG as its vice president.

Before joining BMG Marcio Alaor graduated from Instituto Metadista Benett with a degree in business administration. This was followed by qualification in post-graduate for business administration from. Later, he rose to the vice president at BMG after having started his career in the bank in 1977. Marcio has been instrumental to the bank’s success of payroll bank loans. Since 2008, he has been a member of the Board of Executive Officers of the bank.

Marcio is a philanthropic figure. This attribute has come with recognition through an inauguration ceremony held at his home town in San Antonio. This recognition was due to his efforts in donation towards the development of his hometown. This acknowledgement was from the local authorities, farmers and consumers.

BMG’s Marcio Alaor Is Honored By His Hometown

Marcio Alaor, the Vice President of Banco BMG, is a highly respected executive in the Brazilian banking community. His story of how he reached that positon is an inspiration for people struggling with a life of poverty. Marcio grew up in the community of Santo Antonio de Monte in humble surroundings. As a youth, he shined shoes to earn money to help his family. Through education and utilizing the solid work ethic he learned in the streets, Marcio entered the banking business and blossomed into a top-rate executive. Because of his success, Marcio was inspired to give back to his community over the years through work and generous donations.

In appreciation, his hometown recently paid tribute to his loyalty and efforts by inviting Marcio back for the dedication of the Food Court Alaor Marcio Araujo at the 33rd Agricultural Exhibition of Santo Antonio do Monte. Marcio was quite humbled by having his name honored by the people for his continuing love and support of them and told them he was happy to be honored while he was still around to enjoy the tribute.

In his role as Vice President at Banco BMG, Mario has seen the firm grow into one of Brazil’s largest and best known banking institutions. Primarily centered on wholesale and consumer financing along with the financing of light and heavy vehicles, in 1998 BMG changed course and expanded into financing company payroll loans.

In 2014, BMG joined with Itaú Unibanco S.A. in creating a bank called Banco Itaú BMG Consignado S.A. in order to commercialize payroll loans throughout Brazil. Because of this merger, BMG was able to develop other products like Payroll Credit Card and financing the purchase of used vehicles and home equity loans.

Under the leadership of leaders like Marcio Alaor, Banco BMG has an outstanding reputation in the Brazilian financial industry. The company credits its employees for much of that success. Workers are divided into teams of employees who have varied interests and strengths. BMG feels this diversity and integration of people with different ideas and areas of expertise allows them to overcome challenges in unique and very productive ways.

BMG continually strives to maintain a conservative approach to banking, one that instills confidence in his clients and other financial institutions. An independent Internal Audit Department and an Investor Relations Department work together to publish a quarterly report on financial results and the overall strength of the company.

BMG: Brazil’s Most Popular Bank

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.