Category Archives: BMG

An Anheuser-Bush Incentive Plan Could Negatively Impact Small Craft Breweries According to Bank President Ricardo Guimarães

There’s a change going on in the beer business, and that change is called craft beer. Craft beer is a locally produced, flavor-forward product that has a following in the millennium beer drinking market. The old standards like Miller, Miller-Lite, Budweiser and Bud-Lite are losing market share to craft beers that taste better, are packaged better and are made by locally owned entrepreneurs.

BMG Bank President Ricardo Guimarães is an entrepreneur and a beer lover and he thinks small, local breweries in the United States offer consumers a better product. That’s the way Guimarães conducts his business in Brazil. His small, family owned bank took on the big banks they compete with in the payroll loan industry, and his bank came out on top. Ricardo’s plan to sponsor soccer clubs had a huge impact on soccer fans, and when it came time for them to apply for a loan fans called a BMG Bank agent. Guimarães did something the other banks overlooked. He gave consumers what they wanted, which was low-interest loans with good terms. Ricardo thinks craft breweries in the United States do the same thing.

When Guimarães learned that Anheuser-Bush introduced a new incentive plan to distributors, he immediately checked out the plan. AB InBev is offering distributors a marketing and retail display reimbursement if the distributor promotes an AB InBev craft beer instead of a local craft beer. That reimbursement could be worth more than $200,000 to some distributors, and Guimarães thinks that’s not good business.

Market access is an ongoing battle and craft brewers have infiltrated the retail market by brewing beer that has a distinctive quality and taste. The big breweries have a hard time producing that taste. If the AB InBev incentive plan continues, Anheuser-Bush will be able to control materials needed to make beer like bottles, cans, malted barley and hops as well as packaging. Hops production is already at a premium because hops plants take three years to mature, according to Mr. Guimarães.

The Department of Justice is looking into the AB InBev incentive plan. The losers, if the DOJ allows the plan to continue, will be consumers, according to Guimarães. If Anheuser-Bush controls what distributors promote, small breweries will go out of business and consumers will have fewer choices. The plan may make sense to Anheuser-Bush investors, but the plan is flawed when things like fair competition is considered.

The AB InBev plan has only been accepted by one distributor in the St. Louis area, and that makes sense since St. Louis is the home of Anheuser-Bush. Distributors in other cities haven’t accepted the plan. Some distributors say they won’t consider it, and others are waiting for a ruling by the Department of Justice.

Follow Ricardo Guimarães on Twitter.

Marcio Alaor Made BMG Better

When many people think of shoe shiners, they may not think of the executive of one of the top banks in any given country. When people think of Marcio Alaor, they may think of all three of those things. Marcio Alaor is a true inspiration to those who are struggling everywhere to make it and has worked to make his bank, BMG, a better place.

Marcio Alaor was not always set for life with a vice president executive position at one of the biggest banks in Brazil. At the beginning of his would-be meager career, Alaor worked as a shoe shiner. He shined the shoes of big banking executives and men who held careers that he could only dream of. He wanted more out of life, but he knew that he must work very hard to get there. For this reason, he always did the best job possible while he was shining shoes.

One day, an executive of BMG bank was having his shoes shined by Marcio Alaor. He took notice to the way that the young man took a great deal of care while working on the shoes. He paid attention to detail and was sure to always be polite to the man he was working with. He was not polite in the way that most shoe shiners were, but he appeared to be truly interested in the stories and information the executive was giving him. The executive was impressed by this and began visiting Alaor on a regular basis.

During the regular shoe shining visits, the BMG executive got to know more about Marcio Alaor. He learned that he worked the job to make ends meet, but Alaor never once told him that he was struggling or wanted more. He saw in his eyes the determination that Alaor had and that he would do anything to make the money he knew he was capable of. The executive was able to recognize that quality in the young man and wanted to give him the opportunity to become better in life and have more chances at truly making it.

At that point, the executive offered Marcio Alaor an entry-level position at the BMG bank. He wanted to make sure that he was not overwhelmed, but Marcio quickly showed him that he was capable of doing more than he ever thought possible. Marcio Alaor was able to rise through the ranks of the banks at a fast pace. He was promoted more often and more quickly than any other person who had ever worked at the bank. His knack for learning and drive to move forward allowed him to propel himself to the position of vice president in a short amount of time.

Ricardo Guimarães And His Accomplishments At Banco BMG

Ricardo Guimarães is a very well-known Brazilian entrepreneur. He is very respected because of all of the things that he has accomplished in his personal life, and also because he is a talented man of action when it come to business. Guimarães has also served as the president of Banco BMG. He is heir to the business, and he is the son of Flávio Guimarães Pentagna. Guimarães took over the presidency of the family business in 1998. The Banco BMG was founded by his grandfather father in 1930 and at that time the bank was called the Land Credit Bank. Since Guimarães took over the presidency of the bank, the bank has seen many positive changes. Banco BMG has become the leader when it comes to payroll loans and personal loans. Many individuals and private companies trust BMG with their most important financial endeavors.

Banco BMG is based in Belo Horizonte which is the home town of Guimarães. This Banco BMG is part of BMG group. BMG group is one of the largest banks in consigned credit in all of the country. The bank has come up with innovative product marketing strategies that have drawn much attention. The model that BMG has established has been copied and used by many other banks. BMG was voted eight times to be the best financial conglomerate and was voted for the third time to be the best bank in customer finance.

Guimarães is also a man that has done much for his community as well. According to the blog at, In 2011 Guimarães received the City Council merit of honor diploma. Guimarães received this diploma because he had helped his home town to hold on to its traditions and he has done amazing work when it comes to athletics. Guimarães aided in the founding of the Athletic Club and he was president of that club from 2000 to 2006. This award ceremony was attended by the secretary of state, the president of the legislative assembly of Minas Gerais (ALMG, Congress men, Congresswomen, and the municipal secretary of finance.

Guimarães was appointed to serve as the vice president of the board of BMG in 1996. He graduated with a business administration degree from Una – Faculdade Ciencias Gerenciais. Guimarães has done much to aid in the family business, and his initiative and skill have aided Banco BMG to be one of the most recognized banks in all of Brazil.

Understanding Business Management Skills With Ricardo Guimarães Of BMG

Business is among complicated fields that call for some creativity. Beating competition is something many have not been able to achieve as there are various challenges that come on the way, thereby making it difficult for a business to sail through. All that matters is the way a business is managed. Despite the banking sector getting branded as one of the most competitive arena of business, BMG has been able to grow seamlessly over the years they have been in business. The company has been patient and careful about getting the right market visibility. With able managers, they have identified reliable marketing strategies, which include celebrity promotions and offering support to the society.

According to an article posted, BMG signed a partnership with leading tennis player, Marcelo Melo, whom they have offered to sponsor to the 2016 Olympics competitions. The player has been successful in past competitions and this is something Ricardo Guimarães, the president of BMG, was able to note. He saw the great ability Melo displayed and offered to include him in the list of beneficiaries who have been shortlisted for sponsorship by the bank. The support extends to both monetary and material support, which will ensure BMG allows different individuals achieve their goals. Ricardo Guimarães is also confident that they are going to win come the forthcoming competitions. This could lead to an expansion on the partnership, which will allow Marcelo Melo to grow his career further.

Great leadership comes with responsibilities and this is something Ricardo Guimarães has proved. He has taken as his responsibility to ensure BMG maintains the right reputation in the market. This has been in the various projects he has overseen to ensure the public benefits from the existence of BMG. Such include environmental conservation attempts that have led to a better life among many individuals. BMG, with the help of their able president Ricardo Guimarães, have also sponsored football clubs across Brazil. This support has allowed several young individuals to build their talents, some becoming recognized players internationally and nationally.

Ricardo Guimarães is a well educated professional with a background in business. His skills include hiring and maintaining the right staff. While at BMG, Ricardo Guimarães has inspected the hiring process to ensure the company hires committed individuals who are willing to offer value to customers. This has improved the overall image of BMG and has allowed customers to enjoy using various products.

Marcio Alaor BMG Bank

One of the top banks and financial institutions in Brazil is BMG Bank. Part of what makes BMG Bank a leading financial institution is its leadership which includes current vice president and director Marcio Alaor. With Marcio Alaor as vice president and director, BMG bank has continued its tradition as well as maintained its vision to provide the best financial services to both individuals and businesses. By providing high quality financial services to both individuals and businesses, BMG Bank is able to efficiently meet the needs of these two parties and allow them to get the most out of financial management such as making deposits, using loans to finance purchases and also insurance to protect their property. They also benefit from credit cards to finance short term purchases and investments to help grow their savings and prepare for their future.

The first and most common customer who most benefits from the services of BMG bank is private individuals. For private individuals they will be able to take advantage of a number of services that enable them to get the most out of banking and financial services. Making deposits is the first service that comes to mind for individuals looking to use a bank such as BMG. With deposits, individuals can put their money in both checking and savings accounts. The checking accounts provide individuals with the opportunity to store money in an account in which they can use to write checks and make purchase. Using savings accounts allows them to place funds for future purchases and use such as retirement or a down payment on a home.

Another common service to individuals is loans which give them financing for a number of things such as a house or a car. The bank will offer individuals money to make these large purchases and at reasonable terms. BMG bank offers home loans and auto loans at low interest rates along with reasonable time periods. As a result these loans will be very affordable and allow them to meet their big ticket purchase needs.

Private individuals will also be able to take advantage of investment services which allow them to prepare for their future. With investment services, individuals will have the benefit of talking to an advisor who will provide them with information about securities and how to best meet their long term financial goals such as retirement. They will give individuals the opportunity to put their money in securities funds and allow their money to be managed by the advisor. Therefore individuals will have assistance in not only growing their savings through investments but also giving them an income as well to provide financial security.

Banco BMG: Leading The Way

Banco BMG, the leading consigned credit service provider in the Brazilian market. A company with a vibrant organizational culture and heritage dating back to the 1930’s. BMG controls about 30% of the total consigned credit market.
BMG’s growth and success mirror the resurgence of the Brazilian economy and the empowerment of its population. The bank has endeared itself to the public through a combination of aggressive marketing, branding, and corporate social investment.
The bank believes in the use of innovation and technology to improve the quality of service and customer experience. Its links with investment banks give the bank competitive advantage in acquiring capital injections. The inwards growth them firm has continued to experience further compounded by the strategic acquisition of startups. These additions allow the banks to eliminate competition while improving its infrastructure.
BMG’s strong corporate brand image gets stronger with the influence of its 4,000 retail outlets and 50,000 banking agents. BMG’s clients access unparalleled credit services from these networks. BMG also possesses strong collaborative initiatives between all stakeholders.
The bank’s marketing strategies must be some of the best in the media circles. BMG receives massive publicity through substantial presence in media campaigns. On the social circles, the organization invests in the cultural, educational and social sectors of the Brazilian economy. They build schools, hospitals, libraries and other facilities of service to the community. The management observes that investing in education guarantees a better future.
Brazil has a vibrant culture and sports heritage. BMG promotes cultural festivals and exchange programs. On the sports scenes, they sponsor volleyball and soccer teams in various league tiers. These sponsorships serve the double purpose of giving BMG publicity while giving back to the community and developing the sport. Most of these activities target the youths the next business and social leaders.
The last decade has been revolutionary for BMG. Ricardo Guimaraes is the leader who has overseen all the progress. He entered into the firm about three decades ago serving in various leadership positions and rising through the ranks to the CEO and President. When he took over, the total exposure to credit in Brazil was a mere 23% a decade ago as compared to 47% of GDP today.
According to Guimaraes, the consigned credit market has also expanded from a value of $6 billion to about $100 billion in a decade. BMG’s credit portfolio has risen from $2.5 billion in 2004 to $15 billion today. Ricardo Guimaraes continues to inspire and mentor a whole new generation of investors in Brazil.

Brazilian Bank Keen On Transforming The Lives Of Its Clients

The BMG Bank of Brazil has been in existence since 1930. It is a privately owned banking and financial institution, owned and run by the Pentagna Guimaraes family. The current president and director of BMG Bank is Mr. Ricardo Annes Guimaraes. The family has been in the financial industry for nearly 80 years when it established the Banco de Credito Predial S.A. It was later renamed Banco de Minas Gerais S.A. The principal business function of BMG Bank was financing wholesale and customer purchase of heavy and light vehicles for their clients prior to the year 1990.

After 1998, the bank shifted its concentration to the provision of pay-roll loans for its clients, becoming a pioneer in that financial process. In 2005, under the supervision of its vice president, Marcio Alaor, the bank became the forerunner in the payroll loan market.

Later on in 2012, BMG bank signed an agreement in association with Itau Unibanco S.A. This relationship was aimed at unifying their businesses and focus on offering, distributing and commercializing payroll loans in the country. This joint undertaking was dubbed Bank of Itau BMG S.A. In their association, BMG bank owns 40%, while Itau Unibanco holds the remaining 60% of the total voting stock capital. The two banks’ unification came with benefits such as enabling the bank to focus other strategic products like the payroll credit cards and offering financing for used vehicles to its clientele.

The bank has always prioritized the recruiting and hiring of the best brains and professionals in the banking and financial business and this makes the inclusion of Marcio Alaor. The bank’s current vice President, Marcio Alaor is credited for bringing about greater developmental changes to the bank. He has cultivated and maintained a conservative profile, but then constantly seeking to increase the bank’s profits, through liable credit and high value portfolios. Through his guidance, the bank has been able to meet the needs of its clients. The improvement of its operations and provision of services has greatly influenced the achievement of this course.

Marcio Alaor has also introduced competitive advantages to BMG bank to attract and maintain their clients. He has introduced the moderate risk profile policy to ensure the security of their clients’ financial assets, an innovative entrepreneurial principle offering financial and payroll loans to its clients to ensure they are capable of fending for their businesses and active responses to ensure they flow suite with the changing conditions in the country and their customers’ needs. Marcio Alaor’s effective leadership skills has enabled the bank to align itself to the needs of their customers thereby gaining the trust of the prospective clientele.

BMG bank is credited with understanding the needs and goals of the common Brazilian, and striving to help them achieve these goals is the main focus of the banks existence.