Bradesco’s HSBC Deal Will Generate $1.1 Billion In Pre-Tax Savings By The End Of 2018 According To CEO Luíz Carlos Trabuco Cappi

When Bradesco was negotiating with HSBC for their Brazilian operation, no one was sure what would happen in terms of operational and financial results. Bank executives from both banks thought it would be a good deal in 2015, but what “good” actually meant in terms of cost savings was a mystery.

What Bradesco CEO Luíz Carlos Trabuco Cappi knew was his bank would have enough assets under management to be the third largest banks in the country. But after two years of integrating bank operations, the HSBC deal is turning out to be a goose that lays some serious cost savings eggs. The HSBC deal will generate $1.1 billion in synergies and cost savings by the end of 2018, according to Bradesco’s Chief Financial Officer Alexandre Glüher. It’s no wonder Bradesco plans to buy back a total 15 million preferred and common shares through June 26, 2018, according to a recent securities filing. Bradesco’s CFO said the buyback would be an equal split between preferred and common shares. If the recent closing price stays in the same neighborhood, which is about $10.89 a share, the bank will spend more than $125 million on the buyback.


In order to stay competitive and maintain its position in the Brazilian banking industry, 66-year-old CEO Luíz Carlos Trabuco Cappi and his executive team are providing a personalized banking experience for their 26 million clients, according to CRM and marketing director Márcio Parizotto. Luíz Carlos Trabuco Cappi and his team are taking steps to make the 5,000 branch bank more customer-centric using digital technology. Ninety-five percent of all customer transactions are digital transactions, thanks to 60 different bank websites. But the current challenge, according to Parizotto, is to develop internal strategies that bring technology and marketing together. The bank must combine traditional advertising with the brand recognition that is taking place in the digital world. But the bank is not going to lose the personal banking touch that makes Bradesco stand out in the crowded banking industry. Bradesco employees are learning to work effectively using an integrated approach to online, offline services as well as product offerings, according to Parizotto.

Bradesco is not the oldest bank in Brazil, but it is one of the most innovative and consumer friendly banks in the country. The credit for the bank’s success is due, in part, to the foresight of the four banking presidents who were astute enough to navigate the tumultuous economic waters in Brazil. Luíz Carlos Trabuco Cappi is the bank’s fourth president, and his hands-on approach to customer service is making a difference in the way bank employees treat their clients. Cappi does not have an accountant or a financial pedigree, but he does have a philosophy degree from the University of Sao Paulo, and he has more than 35 years of experience in the banking industry. When Trabuco Cappi got the job of managing the bank he went to work for in 1969, a dream became a reality for him. But he didn’t let all the notoriety go to his head. Mr. Trabuco put a banking team together, and that team works as a cohesive unit. Cohesiveness, a strong sense of traditionalism, and the desire to be the best in the banking world are the Trabuco Cappi trademarks.

Wall Street is pushing Bradesco stock and giving Luíz Carlos Trabuco Cappi and his executive team high management marks. With more than 5,000 branch offices and thousands of ATMs across the country, Bradesco is a people’s bank and Trabuco Cappi wants to keep the bank people friendly. Some people say, good bankers are born that way, but Luíz Carlos Trabuco Cappi thinks a good work ethic, technology, teamwork, and genuine caring are the ingredients that make bankers and banks successful.

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Susan McGalla A Leader To Women Everywhere

Susan McGalla is a woman who was born in 1964 and raised in East Liverpool, Ohio. Susan has two brothers that she grew up whom of which are both older than she is. Her father was a very hard-working man who was the coach of a local football team as she was growing up. Her mother and father both were extremely supportive in her goals to become a successful business woman someday. After finishing high school, she set off on a new journey to complete college. She went to college at Mount Union College which is located in Alliance, Ohio. Susan now serves on the Board of Advisors at her former college and even ended up graduating from there with a bachelor’s degree in what she does best business and marketing.

After graduating college McGalla had decided that she had bigger goals than to just stay in Ohio so she moved to Pittsburgh, Pennsylvania where she got a job at a regional department store chain in various marketing positions and then various managerial positions. She stayed at the regional department store chain until 1994. In 1994, she got a job at American Eagle Outfitters as a merchandise buyer for women’s clothing. Later on working in many different managerial roles at American Eagle Outfitters and eventually ending up as the President and chief merchandising officer of American Eagle Outfitters. She ended up making American Eagle Outfitters geared more towards women and children customers by creating and overseeing aerie and 77kids. In 2009 McGalla left her job at American Eagle to pursue bigger and better dreams of hers by becoming a private consultant for retailers and financial investment industries. Due to her parent’s support when she was growing up she was able to have the confidence to have great skills of communication making it easy for her to work with and talk to both male and females.

Susan McGalla is an amazing woman who hopes that future generations of women and women of today go into the business world without thinking about what they are entitled to as a woman but instead keeping an open mind and realizing that they are entitled to whatever they believe they see themselves doing. This approach will make for more successful business woman in the future for many years to come. Thus breaking the stereotype that women are homemakers and should be home in the kitchen cooking instead of working.


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How George Secker Teaches People To Trade In The Forex Market

In addition to being an entrepreneur Greg Secker has also found success as a currency trader and international speaker. He is also a philanthropist who gives back to others in the community. He founded his company, Knowledge to Action Group, in 2003 and it serves as the parent organization for a number of subsidiaries he has created. Among these subsidiaries are Capital Index, Smart Chart Software, and Learn To Trade. He also has his charitable organization, The Greg Secker Foundation, under this umbrella.

When he first entered the financial industry Greg Secker worked for Thomas Cook Financial Services. Eventually, he was moved to their foreign exchange department and there he created the Virtual Trading Desk. This was a platform that allowed traders to trade Forex online and it was the first to do so in real-time. His success at this endeavor led to him joining Mellon Financial Corporation as a vice president.

The first company he created, Learn to Trade, is a program that teaches others how to trade. He now has three offices for this company located in his home area of London plus Australia and South Africa. To date he has taught more than 200,000 people how to profitably trade in order to improve their lives. The education that he offers people is provided through seminars and workshops.

Greg Secker established Learn to Trade because he noticed that a great many people had difficulties learning how to do so themselves. He says that at the time nobody was offering them much in the way of education about how to trade or it was quite expensive. He offers people a way to learn how to easily trade and when. His education is focused on the Forex market and how to trade foreign currencies.

The course that Greg Secker offers is provided over the course of two days. Most of the education is about the fundamentals of Forex trading as well as a technical analysis of it. He also offers information on trading psychology as well as money management. Additionally, he offers weekly conference calls afterward.


The new weekly progress reports for students

What is ClassDojo? Before cellphones and computers, parent would wait at least every two to 3 months or at the end of every semester during the school year to see their child’s progress report. By then, instead of understanding and getting on top of the subjects that the students are not doing well in, the class would continue the lessons or move to the next subject, leaving the students behind on the classwork and suffering with a bad grade without understanding where they got lost. When a teacher would mark down either on the board or on their notebooks on the individual students’ behavior, it was pretty hard to keep track of throughout the school year. Then to wait until Parent Teacher nights to go through certain habits that students have exhibited throughout the semester, not being able to stop it ahead of time.

Now at this time, where everyone is plugged into their phones and computers all of the time, teachers are able to send weekly progress reports to the parents giving an update on what is needed to be worked on before the first parent teacher night. The ClassDojo is very simple and easy to use, depending if the school that the student attends offers it. This app sends a message to the parent on subjects that the student has either improved on or would need more help in and would have the parent message the teacher as well to make sure the student does better academically.

ClassDojo is a great way of informing parents on the whereabout of the students activity, strength and weaknesses. Instead of looking at the bulletin boards during the Parent Teacher conferences, weekly posts can be seen online. Instead of waiting on a line until the parent is able to talk to the teacher of the students’ academic achievement, parents can chat online with the teacher and build ideas for the student.

Kate Hudson And Fabletics: Leveraging The Power Of The Crowd

Successful brands like Kate Hudson’s online subscription fashion company Fabletics are able to become industry leaders because of their ability leverage the power of the growing crowd attracted to their brand. Many consumers purchase items because they see crowds of people buying them and giving them positive reviews. Savvy brands capitalize on this type of consumer behavior by creating review-centric marketing strategies. Since its launch in 2013, Fabletics has done just that. The company’s revenues have grown over 200% to more than $235 million annually through the use of positive user reviews and the power of the crowd.


Positive consumer reviews drive more and more people to buy Fabletics products. It also improves customer loyalty as well as customer retention. This is true for brands in every industry. Consumers trust reviews. They see them as unsolicited, honest assessments of products and brands. Fabletics has a significant online profile and modern consumers increasingly get the information they need to make buying decision via the internet. They crowdsource their buying decisions and almost 90% of consumers trust online reviews. And the percentage of consumers that buy this way keeps growing.


Consumers no longer trust traditional advertising and marketing as much as they did in the past. The power to decide what products are good and should be bought now rests in the hands of the crowd. Smart brands like Fabletics understand this and know how to use the power of the crowd effectively. Research shows over 30% of consumers regularly do online research and read reviews. About 60% of consumers say a negative review can make them ignore a brand. So brands like Fabletics work hard to maintain a positive reputation. They include reviews in their marketing campaigns to drive purchases because many more consumers look up product reviews more often than prices. Great reviews means increased revenue.


Fabletics consistently engages their consumer-members online. The clothing and accessories they carry in their brick-and-mortar stores is based on what customers say they like in their reviews and other communications with the company. The Fabletics membership form asks about fashion preferences. This information is used to decide what clothing the company will offer for sale. Kate Hudson and the Fabletics staff use this information to understand what their customers want and give it to them. By using authentic, genuine customer reviews, Fabletics attracts countless new members each year.


Positive reviews lower customer acquisition costs and improve search engine results page ranking. Fabletics’ focus on top-quality customer service and excellent products results in great customer reviews and attracts more customers to the brand. Positive consumer reviews of Fabletics draws consumers into their purchasing funnel. The company also invests heavily in creating channels through which they can develop dialogue and relationships with consumers. This leads to more positive reviews. Kate Hudson and her staff have made leveraging the power of the crowd an art. One based on cutting-edge scientific study. By writing positive reviews of Fabletics products, the consumer actually recruits new members for the brand.