Category Archives: Bankers

Luiz Carlos Trabuco Cappi Stepping Down After 40 Years With Bradesco

Luiz Carlos Trabuco Cappi has confirmed many changes to the power structure of Bradesco. Luiz Carlos Trabuco Cappi revealed the new president is in fact Octavio de Lazari Junior, and the new Vice President will be Carlos Alberto Rodrigues Guilherme. Luiz Carlos Trabuco Cappi also detailed the retirement of Lazaro Brandao.

Bradesco one of Brazil’s largest banking and financing company was established in 1943, and since the inception Bradesco has gained tremendous influence in the world of finance. Bradesco’s sitting President Luiz Carlos Trabuco Cappi started out a bank clerk in 1969, in the company’s home town of Marilia. By the time it was 1984 Luiz Carlos Trabuco Cappi would be the Director of Marketing, where he was instrumental in change the public perception of Bradesco, by encouraging transparency and openness. In 1992 Luiz Carlos Trabuco Cappi would assume the Executive Director and President of the pension division of Bradesco until 1998. In 1999 to 2005 Luiz Carlos Trabuco Cappi was the Chief Executive of Bradesco.


Luiz Carlos Trabuco Cappi discussed the somewhat disapproval of some the council members at the appointment of Octavio de Lazari Junior. Luiz Carlos Trabuco Cappi assured the bank supports the Mr. Octavio de Lazari Junior and have full confidence in his ability to live up to the challenge. Luiz Carlos Trabuco Cappi did discuss various challenges facing the newly appointed president. Bradesco recently bought HSBC, ensuring the integration of the two institution will be a challenge. The adoption of the consumer base to migrate to a digital solution. Currently on 14 million of the 27 million customers have adopted a digital solution.

Octavio de Lazari Junior started worked his way to his intial promotion at Bradesco to an Agency Manager in 1978. Octavio de Lazari Junior became the Director of Credit in 1998, and shifted the focus of credit to small and medium size companies. Octavio de Lazari Junior was promoted as the Department of Loans and Financing. Octavio de Lazari Junior was appointed the Board of Directors 2012, and in 2017 became the Executive Officer Vice President and Chief Executive Office.

Lazaro Brandao will be retiring after a 75 year career with Bradesco, he has been a part of many the financial solutions implemented over the years. Lazaro Brandao has been on the council for 27 years. Lazaro Brandao explained the reason behind him increasing the age limit of the president to 67 years, was to allow more time during these transition to better address the acquisition of HSBC. Lazaro Brandao spoke about the current economic situations in Brazil. Lazaro Brandao feels the only solution is implement a comprehensive plan for labor reform, understanding labor reform is a very slow and painful process, it is necessary. Lazaro Brandao also spoke about the lack of political unity hurting the economic situation.

Luiz Carlos Trabuco Cappi also spoke about the new Vice President Carlos Alberto Rodrigues Guilherme to fill the vacancy left by him. Carlos Alberto Rodrigues Guilherme has been with Bradesco in various capacities since he was 13 years old.

Check more about Luiz Carlos Trabuco Cappi:

The Good, Bad & Ugly About Texas Real Estate

Being a banker requires one to be a “Jack of All Trades.” Because they make loans to groups from vastly different industries, they must have expertise in many different fields. Here is “The Good, The Bad & The Ugly” of the Texas housing market, which might have been discussed at the “Texas Bankers Association’s 5th Annual Strategic Opportunities and M&A Conference” held on November 7, 2016.


“Good: Breaking Sales Records”


Property is one of the primary inputs for productivity and land purchases remain an important loan category for most successful financial institutions. The booming North Texas real estate market in 2016 was very “Good” for bankers. The unemployment rate was low and jobs were plentiful.


“Bad: Low Homeownership Rates”


During the 1990s, the Federal Reserve made a concerted effort to increases homeownership rates in the United States, using Freddie Mac, Fannie Mae and private banks. As of 2016, the United States homeownership rate was only 63% with the Texas homeownership rate, being a “Bad” 61%. Why is Texas so low?


The Houston Chronicle points out that many factors impact homeownership, including age, urban density and poverty rates. Mississippi, Utah and West Virginia all have higher homeownership rates than Texas.


“Ugly: Only Two Months Supply”


The high sales for Dallas homes is partially due to a low supply of luxury dwellings. Unlike other cities with a supply of about six months or so, Dallas only has an “Ugly” supply of two months. NexBank can help solve that problem.


NexBank President & CEO John Holt might have explained what could be done to solve these problems at the banker’s panel on “Reinventing Community Banking: Perspectives on Competing by Innovation.” Hopefully, more single family houses can be built to satisfy high demand in 2017. Bankers have the solutions.