Entenda como funciona a remuneração variável do Flamengo em parceria com banco
Clube divide lucros de novo banco digital com o BRB, mas metas são consideradas difíceis. Especialista acredita que frutos só serão possíveis a longo prazo
Celebrada como uma nova modalidade de negócios, a parceria entre Flamengo e o banco BRB tem um modelo agressivo de negócios para buscar uma remuneração variável ao clube. O contrato, que está em votação no Conselho Deliberativo para poder ser assinado, prevê uma série de condições para que o Flamengo receba mais do que os R$ 32 milhões estabelecidos como mínimo garantido por ano.
A parceria prevê a criação de um banco digital, com Flamengo e BRB dividindo os lucros meio a meio. A plataforma, a ser lançada no dia 15 de julho, irá oferecer contas digitais e cartões de débito e crédito, além de investimentos, produtos previdenciários e de capitalização.
Vem daí a expectativa de receita – o BRB estima movimentar R$ 5 bilhões em transações financeiras no primeiro ano de parceria. Um detalhe: clientes do banco residentes em Brasília que migrarem para a nova plataforma não serão contabilizados nos lucros da operação.
Lucro precisa ser maior que R$ 64 milhões
Como tem R$ 32 milhões garantidos anualmente, o Flamengo só terá direito a um valor adicional caso os lucros superem R$ 64 milhões no período. Por outro lado, caso o montante seja menor, a diferença entre os 50% do clube e os R$ 32 milhões garantidos passaria para o próximo ano, o que aumentaria o lucro necessário para a bonificação. O contrato entre Flamengo e BRB é de três anos, com possibilidade de renovação por mais dois.
Para o consultor de finanças César Grafietti, o projeto tem mais chance de dar certo no longo prazo. Há uma série de questões a serem resolvidas antes que um banco digital consiga começar a colher os frutos do projeto.

Ele estima que, para alcançar os R$ 64 milhões de lucro, o novo banco digital precisará formar uma carteira de crédito, entre empréstimos e investimentos, da ordem de R$ 1,5 bilhão. Atualmente, o próprio BRB tem uma carteira de crédito de cerca de R$ 12 bilhões.
– Fazendo uma conta com base nos últimos dados do BRB, a estrutura precisa formar uma carteira de crédito da ordem de R$ 1,5 bilhão para poder gerar os R$ 64 milhões de lucro, isso pagando todos os custos da operação do banco, que é a estrutura física, funcionários, provisões, imposto de renda. Ainda assim contratando serviços de seguros, usando cartões de crédito e tudo mais.
– Isso significa, por exemplo, 500 mil pessoas com financiamento médio de R$ 3 mil. Trata-se de um processo de longo prazo, e se as partes tiverem paciência e a depender das condições contratuais, talvez, em três ou quatro anos seja capaz de atingir esses números. Mas precisa conhecer o business plan e as particularidades da plataforma do BRB para entender se é factível ou não. Parece agressivo – explicou o especialista.

Entre os pareceres das comissões do Conselho Deliberativo, a ideia foi semelhante. O Conselho Fiscal, por exemplo, considerou “bastante desafiante” a meta estabelecida e lembrou que o clube não conseguiu grandes resultados em parcerias anteriores, como o banco BS2 e a empresa de bebidas Carabao. A Comissão de Marketing, por outro lado, preferiu “não fomentar expectativas” com relação aos valores variáveis. Todos, porém, elogiaram o valor mínimo garantido.
Para Grafietti, é necessário que o Flamengo se engaje completamente na captação de clientes para o banco digital para que o projeto funcione. Uma postura ativa no mercado pode ser o diferencial.
– Neste modelo de divisão de lucros, tradicionalmente conhecido pelo inglês profit sharing, a estrutura precisa operar como um banco, ou seja, abrir contas, comprar produtos como cartões de crédito, seguros, tomar empréstimos. É isso que gera lucro num banco, ainda mais em bancos digitais que vendem a ideia de que não cobram serviço. Então, nesses modelos o banco espera que o clube traga o torcedor para a base como cliente, trocando seu banco de relacionamento por uma estrutura nova. Para atrair torcedores que viram clientes é preciso ações de abertura de conta, de venda eficiente de produtos, com taxas melhores que os concorrentes. Ou seja, operar no mercado financeiro – explicou Grafietti.
Modelo ainda não decolou no futebol brasileiro
Muitos clubes brasileiros experimentaram parcerias do tipo nos últimos anos. Grafietti aponta como mais bem-sucedido o modelo entre o banco Inter e o São Paulo. Mas nenhum deu grandes frutos até o momento.
– Os modelos são diferentes entre os clubes, e vão de patrocínios simples a situações onde clubes e bancos dividem lucros da operação digital. De todos eles o que parece ter dado mais resultado foi a parceria entre São Paulo e Banco Inter, porque era mais simples e as métricas de desempenho não incluíam divisão de lucros.
Com o BS2, por exemplo, o Flamengo tinha direito a R$ 10 por cada conta aberta no novo banco digital, até um limite de receita de R$ 10 milhões. O contrato entre as partes foi rescindido em junho, e o banco BRB irá assumir o espaço master na camisa rubro-negra.
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جزو دروس اصلی و تخصصی با تعداد دو واحد به شمار می رود.
رویکردهای نقدی که معمولا مورد بررسی قرار
میگیرند از نقد فرمالیستی
روسی آغاز و به نقدهای متاخر مثل نقد پسا استعماری یا نقد ساختارشکنانه
ختم میشود. این بخش از
رشته بسیار به روز و از حیث ماهیت
بین رشته ای محسوب میشود. لذا دانشجویان کارشناسی ارشد ادبیات
انگلیسی باید از سایر حوزههای علوم انسانی
و هنر، مثل فلسفه، روانشناسی، جامعه شناسی، موسیقی، نقاشی و غیره اطلاعات جامعی داشته باشند تا بتوانند تحلیلهای قوی و مستدل از آثار ادبی ارائه دهند.
در رشته ادبیات انگلیسی آثار نویسندگان مطرح انگلیسی زبان مورد بررسی قرار میگیرد.
قرون و اعصار به همراه آثار مطرح نویسندگان در سیری تاریخی در درس تاریخ
ادبیات و آثار ادبی به بررسی گذاشته
میشوند.
چرا که با گوش دادن زیاد خود به خود خواسته یا
نا خواسته بهتر و بهتر می شود.
هر چه بیشتر گوش دهید گوش تان به زبان
انگلیسی عادت می کند و بهتر است البته این را هم باید در نظر داشته باشید که
باید در انتخاب ویدیو و یا فایل صوتی
دقت کنید که کمی بالا تر از سطح شما باشد.
بهترین و کامل ترین تعیین سطح زبان
انگلیسی نوع سوم و ترکیبی است اما به دلیل زمان بر بودن آن این کار
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