Twilights Terror Only Scary Stories

20Oct/17Off

Bradesco Is Well Capitalized And Profitable Going Into 2018 According To CEO Luíz Carlos Trabuco Cappi

The banks in Brazil know how to stay ahead of economic and political issues that continue to plague the country. Over the last three years, the big banks sustained their profitability by using the difference between their borrowing rates and the rates they charge to lend money. Even though the Selic interest rate is in the single-digits, banks charge three or four times that rate to consumers. In some cases, the interest rate on home and automobile loans can be as high 20 percent or more. The big banks like Bradesco dominate the market, so they are able to charge high-interest rates even when the Central bank is lowering the Selic rate. And the banking business in Brazil is a highly concentrated industry so charging high-interest rates is acceptable, but consumers don’t always agree with that profit-generating tactic. The big banks also take advantage of government incentives, and insurance policies that protect them from recessionary issues, according to Bradesco’s CEO Luíz Carlos Trabuco Cappi.

There are three big state-run banks in Brazil, and three big private banks; Itaú Unibanco, Bradesco, and Santander Brasil. Those banks are the main go-to banks for consumers who want to bank online. Bradesco is the second largest private bank in terms of profit. Itaú Unibanco makes more than R$3 billion more a year than Bradesco, but Bradesco has a better reputation, according to the consumers who use the bank’s mobile app to do their banking. CEO and president Luíz Carlos Trabuco Cappi is a bank executive who stays on top of the consumer market. The bank’s Personas Project helps the bank understanding the buying and saving habits of their clients, and that gives the bank an advantage when it comes to offering new tech products that make banking easier.

Read more on Hoovers.com

Brazil’s economy contracted by 3.6 percent in 2016. The economy is recovering in 2017, but there are political issues that inhibit real growth, according to Trabuco Cappi. President Michel Temer is under attack even though he is putting new programs in place to ease some of the consumer suffering. Trabuco Cappi knows the political situation will not get much better, so he tries to incorporate new programs that will help his clients deal with the political uncertainty. Most people know Bradesco has the right attitude when it comes to helping people. Bradesco environmental and educational programs are helping people understand the importance of being proactive in a responsible way. Trabuco Cappi and his executive group continue to instill that proactive mentality in the bank’s 100,000 employees.

Luíz Carlos Trabuco Cappi is a no-frills banker. He stays away from political conflicts and fake news stories. Trabuco Cappi is a sixty-six-year-old bank executive who knows the value of offering products and services that enhance the lives of his clients. Those programs give Bradesco employees a sense of accomplishment when clients use them. Bradesco has a program in place that gives clients the opportunity to buy products that work for them. Not all banks go the extra mile when it comes to focusing on what their clients want and need.

Thanks to new online banking programs and Bradesco’s bottom performance in 2017, Wall Street is pushing Bradesco as one of the stocks to buy now and in 2018. Bradesco client-centric focus is on digital technology and investing, according to Trabuco Cappi. The bank is making progress thanks to 60 different websites and 26 million Bradesco account holders. More than 95 percent of the current bank transactions happen on digital channels. Trabuco Cappi doesn’t like to take credit for all the success the bank is enjoying, but bank employees know he and his team are making a huge impact on the online banking industry in Brazil.

See: https://www.terra.com.br/economia/trabuco-assumira-presidencia-do-conselho-do-bradesco-banco-nomeara-novo-chefe-executivo-em-marco,9fb1d7fe927d7f26678a7543f82f02edw3u6oihm.html

9Oct/17Off

Roberto Santiago: Developer of the Majestic Manaira Shopping Mall

One of the consequences of a growing Brazilian economy for the last couple of decades has been an increase in the amount of disposable income among its citizens. Naturally, therefore, people want to buy more. Businessman Roberto Santiago was among the first to come to this realization and predicted that the retail sector would undergo considerable growth. Consequently, he took a risk and decided to open up a shopping mall, Manaira Mall. Developed in 1989 and again developed in 2013 and 2014, the Manaira Mall is one of the largest and aesthetically pleasing shopping spaces in the country.

The Manaira Mall is considered the crown jewel of its home city of Jao Pessoa. This is quite a commendable feat especially because Jao Pessoa is a highly developed area and contains numerous other competing malls. The 135,000 square-meter mall is undisputedly the largest in the city and two approximately two years to construct. Its high standing among shopping malls in the country has seen it play host to the flagship stores of some huge local and international brands. As a result of this and more, millions of people walk through the mall’s doors every year.

The recreational experience offered by the Manaira Mall is unrivaled. For those taking a break or uninterested in the shopping, there is a large movie area that contains 11 cinema rooms, three of which offer 3D viewing. For the younger visitors at the mall, there is an exclusive game zone while adults can also play at a provided bowling station. The dining experiences offered at the mall are also quite diverse. In addition to a food court area, there are also a number of restaurants within the mall that offer fine dining experiences.

Manaira Mall has the amenities to go with the quality services offered. In total, there are 3,180 parking vacancies at the mall. Given the mall’s popularity, it is not uncommon to see the parking area filled to near full capacity. Additionally, it has an eight thousand-capacity concert hall located on its roof. The hall has previously been used to host art exhibitions, concerts, corporate events, parties and theatrical performances. Further, the mall also has within its confines a gym, a number of banks and the College of Higher Education of Paraiba.

Roberto Santiago’s entrepreneurial excellence does not just stop at the Manaira Mall. He also owns other shopping malls with his first being the Mangabeira Shopping Mall. Additionally, being one of the most respected businessmen in the country, he holds numerous other investments in other sectors. Particularly, he also operates in the entertainment and real estate industries. Further, he has been known to dabble in the stock exchange from time to time.

 

9Oct/17Off

Lori Senecal: The Global CEO of Crispin Porter and Bogusky

Lori Senecal is the Global CEO at Crispin Porter and Bogusky. Her current success is linked to the success of her older siblings. After graduating, Senecal joined the world of employment and turned everything she touched into a success. Many companies recognize her leadership skills in different organizations.

Senecal launched a TAG Ideation in 2003, which is a marketing unit. Due to her innovation skills, Lori has worked with popular brands including Staples, Sprint, Nestle, Applebee's, and has also served as a Global Accountant Director for Coca-Cola. She has also served DDB Worldwide Communication Group for three years as a Marketing Director. In 2009, Lori was the Executive Vice President and Accountant Management Director in McCann World group. She was also the MDC Partners Inc. Director and Chief Executive Officer between 2014 and 2015.

Lori has a dozen of achievements. During AWNY Game Changer Awards, she won the Quantum Leap Award in 2003. In 2013, she was declared the most outstanding woman in the industry. Her prowess and skills to grow a company in a short time span have made her be the woman to emulate. In 2017, Fast Company put her on the spot as the most innovative woman in the industry.

Lori Senecal gets her strength by working with a group. While working at Global, the company was listed among the few the best places to work in New York. Consecutively, at MDC, she spearheaded strategic visions and merging of forces and a remarkable improvement was realized. She is currently working at the CP+B Company, handling management of more than eight international companies. Lori has made the company modern by initiating positive dynamics in the tradition of the company. CP+B has been recognized as a hub Creativity Innovators 2017 under her leadership by Advertising Age. Lori has made it to top four Agency Executives. Fast Company has also honored her prior contribution in the company.

Lori Senecal lives in New York, and she is proud of her community which shaped her to who she is today. Lori has personal skills that many don't know about. She has mastered the art of advertising, digital strategies, and marketing. She is a genius in the field of architecture. Lori has a broad understanding in E-commerce which enables her to initiate new ideas and projects in business.

Lori is a mentor to many young upcoming entrepreneurs. She also offers motivational talks to employees of different companies to encourage them to be innovative and business-minded in their work. In 2014, she honored and celebrated different kinds of innovations from students during the Isaac Award organization. Lori is dedicated to mentor and share her knowledge to grow other aspiring leaders in business and also to honor their achievements. Lori loves innovation geared towards business and industrial growth. Follow her on Twitter for more.

See more: http://adage.com/article/agency-news/cp-b-global-ceo-lori-senecal-depart-end-year/308905/