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Equities First Holdings is a company that provides stock-based loans, and personalized financial solutions to customers. Stock-based loans are not like bank loans, because they offer something better than regular loans. EFH’s main continental market is in Europe. Stocks become collateral for the loan while a client can repay the loan with a flexible payment plan.

EFH’s values are transparency and integrity. EFH is known for watching market trends in a careful manner. Their borrowing system lends to clients having more decision-making power. If a stock value drops, they are alerted to it. The transaction’s final terms are delivered to the borrower with regard to calculating the final valuation of stocks. Collateral is then returned.

Luiz Carlos Trabuco Cappi is the President of the Bradesco. He was born in October 1951 in the town of Marilla, Sao Paulo. He attended Sao Paulo school of letters and sociology for a postgraduate degree in sociology. He started working in Bradesco at the age of 22 in 1969. With 40 years’ experience, he holds many positions within the Bank. Luiz Carlos Trabuco Cappi was appointed at the Department Director in 1961 within the bank and later Managing Director in 1998. In 1999, he was appointed the Executive Director.

With his outstanding experience and hard work, he became the Group CEO and also the executive member of the Board of Directors at Bradesco, this was on March 10, 2009. He holds other distinct and distinguished management positions in Bradesco. Through his participation and activities in the insurance, he has received many awards and honours. In 2003 and 2009 he was awarded the Insurance Person of the Year in the whole of the insurance sector. His dedicated career in the Bradesco Institution made him being nominated as the President.

During the mid-1980s while serving in the marketing department in Bradesco banks, he assisted the bank a lot in its public relations exercise. Through his hard work and dedication, the bank was drawn closer to the media industry which in turn adopt the advertising strategy as well as conventional marketing.

Today, Luiz Carlos Trabuco Cappi is among the people who are considered very influential especially in the insurance and banking industry in Brazil. Additionally, when he assumed the presidency of the Bradesco Bank in 2003, he managed to turn the institution fortunes around. As a firm believer in the outstanding growth, he managed to outsmart his chief competitor in the banking industry, Itau Unibanco. Luiz Carlos Trabuco Cappi as a master strategist engineered the taking over of the HSBC Branch in Brazil with a prize of about $5.2 billion. This idea makes the Bradesco bank to regain the leadership position in the marketplace which had fallen.

His success and the organic management style is the core responsible for the achievement enjoyed by the Bradesco in the recent years. The main aim of the Luiz Carlos Trabuco Cappi in the company is the acquisitions of many customers. The recent movement is the initiation of the client acquisition program which is targeting a large market base of more than 100 million by 2025. In 2009 till today the company had received more than 27 million customers alone who are living in Brazil. This outstanding achievement has proven that Luiz Carlos Trabuco Cappi is a manager, business leader and also an entrepreneur.

Many people across Brazil consider his efforts, experience and input in the development of the marketing industries and insurance sector as the backbone of the country`s economy. His achievement in the insurance and banking industry are very many, for example in 2008 he assisted the bank to double its assets to more than $78 billion. During the first year as the president of the Bradesco, the return of the bank on equities alone rose to 29% from 22%. Also, the Bradesco contribution to the performance of the group increased from 26% to 35%.

He is the fourth president of Bradesco Bank since its 70 years in history. The leadership style of Luiz Carlos Trabuco Cappi depends on extending the needs, feelings, desires and likes by offering services to the clients which match with his requirements. The knowledge he has in engineering, economy, management and accounting has helped him in the comprehension of the intricacies and needs of the Brazilian banking and insurance sectors.


In 2009, Luiz Carlos Trabuco Cappi became president of Bradesco. At the time, the bank had lost its market leadership position to Itau Unibanco. Rather than focusing on competing for rankings, he concentrated on achieving growth, efficiency, and excellent customer experience and service across all the bank’s location.

Marilia-born Luiz Carlos Trabuco Cappi earned an undergraduate degree in philosophy and postgraduate in socio-psychology from the University of Sao Paulo and the School of Psychology and Politics of Sao Paulo. By 1969, Bradesco began working as a clerk in the Marilia branch. As years went by, he rose through various ranks and assumed the role of director of marketing in 1984. As head of marketing, Luiz Carlos Trabuco Cappi overhauled Bradesco’s publicity and approach to the media. Later 1992, he was president and executive director of the bank’s private pension company until 1998.

He became president of Bradesco Seguros, the bank’s insurance arm in 2003. During his tenure, the bank registered double-digit growth in the department; the department currently accounts for the banks 30-35% incomes. Also, Bradesco Seguros became the top company in the sector in Latin America, and the net earnings increased by 10%. Between 1999 and 2005 he served on the board of directors. He is also among the people who championed for segmentation of the bank’s services

Luiz Carlos Trabuco Cappi is the fourth president and succeeded Marcio Cypriano. He underwent a rigorous selection process before appointment as president. Luiz Carlos Trabuco Cappi took over at a period when the economic environment that was unfavorable coupled financial sectors difficulties abroad. Analysts forecasted that Bradesco’s branch network expansion would slow down and that the return on equity would average 21.3% in 2009. His primary challenge was to grow the bank’s reach and influence in the market to increase its competitiveness. Options for growth through mergers and acquisitions at the time were scarce. Luiz Carlos Trabuco Cappi’s strategy was to pursue organic growth and make operations efficient at all levels. Bradesco also intended to review its rates and open more branches.

After his appointment as president, he initiated a corporate university that would nurture and grow leaders at all levels of the bank and develop a basis for promotions. Through forums conducted within the bank, Luiz Carlos Trabuco Cappi encouraged participants to make contributions to the bank’s strategic plan, share ideas and perspectives, and provide solutions. He enabled the growth of market professionals who are all rounded and result oriented.

Luiz Carlos Trabuco Cappi facilitated the acquisition of HSBC Brazilian subsidiary for 5.2 billion dollars in 2015. The transaction, one of the largest in the country in the year, increased Bradesco’s dominance in private finance particularly among the affluent client base. Bradesco’s asset value rose by 15.9 % and reduced the asset gap between it and other players in the sector. The bank took over HSBC’s retail, asset management and insurance business units, branches and clients. Bradesco’s branch networks increased by 18%. Also, the acquisition was in line with the bank’s strategy to increase sales of personalized financial solutions to large corporations and wealthy individuals. According to Luiz Carlos Trabuco Cappi, the deal enabled the bank to achieve growth that was possible only after six years of organic growth. It would take the bank about three years to fully integrate the HSBC business units to their model.

The Money recognized Luiz Carlos Trabuco Cappi as the 2015 Entrepreneur of the Year in Finance. At one point, Luiz Carlos Trabuco Cappi was linked to the Finance Ministry position but declined the invitation offered by the President. He is optimistic about Bradesco’s performance in the future. The bank will continue to pursue growth strategies and improve internal performance as it aims to become a force to reckon within the market.

Search more about Luiz Carlos Trabuco:,luiz-carlos-trabuco-cappi-e-lucilia-diniz-ofereceram-jantar-em-torno-do-prefeito-joao-doria-e-sua-mulher-bia-nos-jardins,30901

Brazil has joined the top tier of nations. This has made Brazil a prime target for investment. Learn why Brazil Banking Expert Igor Cornelsen thinks resilience is a key trait of the nation.

“There Will Be Rainy Days”

In 2014, the powerful Brazilian football team faced Germany in the World Cup semi-finals. On July 17, 2014, Price Watershouse Coopers Brazil Partner Evandro Carreras discussed the irony. Not only was the game in Brazil, but the Brazilian team was one of the favorites. Unfortunately, Brazil lost. Read more at

Heretofore, Brazil had mastered the Joga Bonito, the beautiful game of FIFA World Cup Football, which combined artistry, playfulness and style. Brazil has the most championship titles for FIFA World Cup at five (Germany has four). Germany’s coach said they won due to a “clear and consistent game plan.”

“Brazilian Resilience”

Brazilian President Dilma Rousseff urged her country to “Get up, shake off the dust and come out on top!” Brazilian resilience is one of the key factors that many investors are considering. Can Brazil handle adversity? See:

Can Brazil compete against Germany on the world economic stage?

The International Monetary Fund (IMF) has ranked the top countries based on GDP Purchasing Power Parity (PPP) for 2015 with Germany being 5th and Brazil being 7th. How does Brazil Banking Expert Igor Cornelsen compare the countries?

“Brazil Primarily Imports German Industrial Products”

Brazil Investment Expert Igor Cornelsen discussed the growth of the banking sector on CNBC. According to the CIA World Fact Book, in 2012, Germany was Brazil’s fourth largest import partner at 7.2% consisting of primarily machinery, automotive parts and chemical products. But, Mr. Igor Cornelsen advises his clients to watch China. As China begins to industrialize, it may account for more of Brazil’s manufactured goods imports.

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