Brazilian Banker Ricardo Guimarães Thinks Anheuser-Bush New Incentive Plan Is Hurting Consumers

The Anheuser-Bush name is recognized all over the world. The brewery’s top brands, Budweiser, Bud-Lite and other craft beer labels have a huge share of the United States beer market. But even though Anheuser-Bush dominates the beer market in the U.S., the company wants more, and the executives of the world’s largest brewery are willing to pay to get it. AB InBev is paying distributors to get an even bigger piece of the domestic beer business in the states.

Craft beers have been eating away at AB InBev’s market share for several years. Craft breweries have popped up all over the country, and AB InBev has lost more than 4.5 percent in market share because of those craft beers. In 2011, AB InBev started to purchase craft beer breweries and since then, four small breweries are now part of the AB InBev stable of brands. Young beer drinkers want craft beers, and Anheuser-Bush wants distributors to push their craft brands instead of independent craft brands.

Ricardo Guimarães, a Brazilian entrepreneur and banker, thinks the new AB InBev incentive plan for distributors will hurt consumers. The AB InBev incentive plan offers distributors marketing and retail display reimbursements if they push AB InBev craft brands. The amount of those reimbursements could exceed $200,000 a year. That’s enough for some distributors to drop small craft beers and add AB InBev craft brands. Guimarães an avid soccer fan, beer investor and club sponsor knows the beer business. Foreign companies have been buying small craft breweries in the United States, for that last ten years. Brazil has two of the largest breweries in the world, and Guimarães thinks the AB InBev plan will hurt those foreign investors as well as American consumers.

The craft beer business has grown by 18 percent over the last two years in spite of AB InBev strangle hold on the domestic market. Guimarães knows what payoffs can do to an industry. Payoffs are common in Brazil and Guimarães doesn’t want the AB InBev plan to destroy the entrepreneurial spirit that exists in the beer brewing market. Ricardo believes in fair play and the AB InBev incentive plan allows distributors to play unfairly.

The Department of Justice may agree with Guimarães. The DOJ is investigating the claims of several craft beer companies that say the AB InBev incentive plan will hurt their ability to get shelf space in retail stores. Craft beer companies think Anheuser-Bush is trying to buy back some of the market share they are losing, and that’s not fair play. But Anheuser-Bush has enough money to make it hard for craft beer labels to get the exposure they need and therein lies the problem.

Mr. Guimarães thinks Anheuser-Bush is too big and is trying to control the market using money instead of making the best craft beers in the domestic market.

Principles that set Marcio Alaor Apart

No bank is as successful as BMG in Brazil. From its inception in the early twentieth century to date, BMG has established itself as a force to reckon within the banking sector in Brazil. Today the banks success philosophy is spearheaded by Marcio Alaor. Marcio is the bank’s director and vice president. Indeed, one of Marcio’s principles has helped shaped BMG’s workforce. This is the principle of having self-drive. Marcio looks out for this value when hiring staff at the bank. And it is showing among the workforce. Every day, BMGs workforce is involved in the creation of new innovative products that are spurring company growth.

Having a strong work ethic is also another of his principles. Marcio believes in doing your best at whatever you do. This principle has seen him reap numerous benefits. Before joining BMG, Marcio worked as a shoe-shiner, a job which he did with joy and to the best of his ability. It is while operating his shoe-shining business that a former BMG executive, Dr.Wilmar took note of him. It was then that he was hired at BMG. At BMG, he exemplified discipline and hard-worker, which saw him raise the ranks to his current position.

With all the success that he has attained at BMG, Marcio still manages to be grounded. His down to earth personality allows him to mingle with community residents in a variety of projects meant to benefit the community. This has seen him earn the respect and admiration of the people of Brazil. In Santo Antonio de Monte, his hometown, Marcio has continuously encouraged the promotion of rural growth. Unlike other successful people who forget where they came from, Marcio is very much one with the people of his hometown.

Marcio also values friendships. And he should because it was through a friend, Dr.Wilmar that he got into BMG. He appreciates the value of keeping in touch with close allies and unlike other business executives who would do anything to earn an extra coin, he values people more than money. It is this humility and love for his people that propelled the people of Santo Antonio to open a food court in his honor. This food court, named Food Court Marcio Alaor de Araujo was officially opened during the thirty-third agricultural exhibition of Santo Antonio de Monte.

His ability to engage with people has seen him get involved with mergers that are benefiting the company. One such merger is with Itau Unibanco S.A, which saw the bank start to specialize in payroll loans. It also enabled financing for used vehicles.

A strong work ethic, value of friendships and people in general and a desire for innovation and grabbing opportunities is what has set Marcio Alaor apart from the other business professionals. BMG is certainly gaining from having Marcio Alaor at the top.

BMG Bank: One Of The Most Reliable Brazilian Banks

As numerous financial institutions are developing more and more, most people find it really difficult to find the most reliable bank that would at the same time meet all their needs. However, finding the right bank is very important, since all banks represent something that can ensure the clients’ stable financial position. Clients’ choice is often based on the bank’s reputation, and this is where BMG bank comes in, as one of the most reliable banks in Brazil.
The history of BMG bank
BMG bank represents a private financial institution that has a leading role in Brazil’s deduction credits. The bank is controlled by the Pentagna Guimaraes family, who has been involved in the financial world even since 1930. Since then, the bank services have been connected with wholesale and financing. Furthermore, it also represents one of the leaders in the financial world, and in the financing of one of the most important kinds of vehicles in 1980s. After that, it was engaged in providing loans to some of the most important companies, which is no surprise it has earned the trust of so many different clients.
In 2012, BMG bank made an agreement with Itau Unibanco S.A., which was just another step in payroll loans distribution in Brazil. Then, the two institutions decided to unite together, and BMG ended with 40 % of the total capital.

The bank’s strategy
As the reputation of any banks is very important, BMG bank as well is trying to bring about the success by creating new businesses that will meet the need of or clients. Marcio Alaor, the BMG bank’s vice president, is well aware of this, and he states that since the clients’ needs always differ, it is very important to keep in mind what their priorities are, especially as a way of ensuring the clients’ trust, which is something BMG always do. That’s why he has given Itau Unibanco access to various banking clients, which provided the bank with even more experience in the banking sector.
Another strategy includes profitability, which can be achieved by centering the bank’s attention of the loan portfolio growth. Mr. Alaor also makes sure that his bank always focus on conservative credit policy, and he can always rely on his team of professionals who can provide a detailed analysis of everything they need.
To conclude, finding the right bank can sometimes be extremely difficult. But, Marcio Alaor has some useful tips, and that is that all banks should first consider the needs of all clients in order to guarantee for the success.

BANCO BMG BANK’S GROWTH UNDER ITS PRESIDENT MR. RICHARDO GUIMARAES

Richardo Guimaraes is the found and the president of the BANCO BMG Bank Company in Brazil. Since 2004, he has served as the chairperson of the bank. The bank is leading company in the banking industry. The country was in a very favorable time in the economy, and the bank took advantage to grow positively. At the time BMG was started, Brazil economy was increasing, and the inflation was in control. BMG was focused on a market of 6 billion dollars, and BMG accounted for 20% of the market. BMG currently accounts for 60% over of the market. It’s impressive growth is due to hard work, dedication and professionalism of the company’s team.

BMG was the pioneer in the consigned credit market. Among the choice of the banks credit market, consigned credit market has been the most advancing. It’s the cheapest personal credit option for most Brazilians. The enormous demand has fueled high growth in the consigned credit market. The banks have only exploited less than 50% of the market. This gap still leaves an enormous portion of the market open for investment. This sector of the credit industry has untapped potential and despite it being the leading, a lot can be done to tap its fullest potential.
Being the pioneer in consigned credit market, BMG is considered the main the major bank in developing the sector. The bank is also the leading one in the operations of developing this important sector of the economy. BMG continues to be focused on the consigned credit market and has laid down the plan to take advantage of this untapped potential market. The bank holds over 80% in market share in consigned market. Despite the competition being high with more than 60 banks in the segment, BMG continues to be at the lead.
It has the biggest distribution channel in the banking industry of Brazil. The bank has over 3000 points of sales and over 50000 agents for sale that are all committed to developing the bank’s agenda. The agents are distributed in major municipalities in Brazil ensuring a wide distribution of BMG services. The bank has open access to the capital market through its bond issues.BMG is very attentive to new opportunities. The bank aims to remain closer to its clients by investing in various assets acquisitions. The significance of these assets is for BMG to attain a wider market and satisfy its currents customers with its services.

Ricardo Guimaraes BMG

One of the top leading banks in Brazil and Latin America is BMG Bank. This bank is headed by CEO Ricardo Guimaraes. Over the last several years CEO Ricardo Guimaraes has helped BMG Bank become one of the top financial institutions in all of Latin America. What makes BMG Bank among the top financial institutions in Brazil is the wide range of services the bank offers. When looking to bank with BMG, you will have the opportunity to use services which include investment services, credit cards, business loans, insurance and deposits. All of these services ensure that customers will be satisfied with the options necessary to meet their financial needs.

One of the top services offered by BMG Bank is investment services. With investment services, customers can have a number of things to invest in which include stocks, bonds and annuities. They can also deposit their funds in accounts that grow their savings and provide an interest income. Customers will also receive advice from financial professionals to help them learn more about what is available to invest in and what would be the best thing to store their funds with for the short term as well as the long term. Investment services are one of the more significant and beneficial services offered by BMG Bank.

Another common service offered by BMG Bank is insurance services. As well as looking to invest your money, it is also vital to protect it as well along with other assets you may own. BMG Bank offers customers a wide range of insurance products which can help protect your home, your business and cover your debts upon death. Insurance services give customers something they need to ensure financial security as well as protection from unexpected setbacks.

When banking with BMG, customers can also take advantage of credit cards, deposit services and also business loans. These products and services can benefit consumers in a variety of ways including having funds to pay for unexpected expenses, store their funds securely as well as getting money to finance business operations. These services are among the most common and give a wide range of customers more things they need to more easily manage their finances as well as improve their overall fortunes. By banking with BMG, customers will be working with a top financial institution that will enable them to get what they need in terms of financial management. These services will help individuals and businesses in a variety of ways which in turn will help the overall economy.

A Lawyer in Brazil will Save Time and Money

They Know the Business Laws of Brazil
Brazil is filled with many business opportunities at this current time and date. Those who have an interest in conducting business in Brazil may not know every law that is required. The language of Brazil may also prove to be a barrier to some. You may avoid many problematic situations if you seek the assistance of a lawyer in Brazil who is trustworthy and has a firm reputation. Every business person may save money and time with a qualified lawyer who is knowledgeable about the current laws of Brazil.

Avoid Legal Issues
When you conduct your business in Brazil, you are wise if you are informed of the laws. You can completely avoid any legal issues when you have an informed lawyer to guide you in your business transactions. You may obtain a clear and informed perspective that will ensure that you are in full compliance with the laws of Brazil.

Solid and Trustworthy Advising
The lawyer in Brazil will help you in all business dealings. They will ensure that success is achieved and that cost-effective solutions are provided in a legal manner. The advising may include the following areas:
*corporate law concerns
*domestic legal advising and services
*litigation
*family law including property divisions and advising on all family issues
*employment concerns
*international issues
These are a sample of the items that a lawyer in Brazil will be qualified to advise you on. The laws in Brazil will need to be known in every aspect. The solid and knowledgeable advising will ensure that you avoid legal conflicts that need not occur with the clear advising from a lawyer in Brazil. There are many more areas of the law that provide sound advising to those who may be in need of knowledge and assistance.

Ricardo Tosto
Ricardo Tosto is a distinguished and respected lawyer in Brazil. He has a fine reputation for being well versed in the laws of Brazil. He has an impressive background. He is a graduate from Mackenzie University and has education in Business Administration as well as within the law. He is the senior partner’s office Leite, Tosto e Barros Advogados. This is a full-service law firm. This is a firm that is named one of the top ten in Brazil. This is a firm that specializes in business law. This firm will offer and provide comprehensive legal support to entire companies. Mr. Tosto is a lawyer who does have a solid reputation and serves his clients with integrity.