Cameroon
1. Afriland First Bank -
Afriland First Bank saw the light of day in Cameroon in 1987 under the name of Caisse Commune d'Epargne et d'Investissement. The economic environment at the time was characterized by an unfavourable economic situation and the generalized bankruptcy of banks.
Four observations led to the creation of the First bank, notably:
- 60% of the business activity in Cameroon is not accounted for in the calculation of the GDP, since it emanates from the informal sector ; yet this activity creates wealth;
- a majority of people living in rural areas are excluded from the banking system;
- investors are not sufficiently prepared to meet production requirements;
- the financial system is mostly dominated by tontines and loan sharks.
From these observations, emerged the firm convictions that:
- The development of Africa is incumbent on Africans;
- Economic development should be supported through the promotion of entrepreneurship and through investment;
- Some forms of savings exist in communities despite poverty; and lastly,
- There is need to promote the growth of enterprises.
These convictions led to the identification of four objectives, namely:
- Promoting the emergence of a new breed of african entrepreneurs;
- Creating business gateways between the formal and informal sectors of the economy;
- Enhancing access of the rural world to the banking system;
Supporting the development of existing companies.
Hence the birth of the First Bank and the designing, by its promoters, of specific banking products, adapted to the African context. The first counter, opened in the current Retraite branch (Yaounde), went operational on 1st July 1988. The bank today has over 30 branches distributed in all 10 regions of Cameroon as well as offices abroad.
Address : PO Box: 11834 Yaounde-Cameroon.
Website : www.afrilandfirstbank.com, Phone number : 237-2223-3068
2. Commercial Bank Cameroun -
Created in 1997, the Commercial Bank-Cameroun (CBC) assist companies and individuals in their financial operations and in the financing of their activities and projects.
Set Up
Created in 1997 by Cameroonian and foreign Investors(FOTSO Group; SNAC Insurances; private Cameroonian investors and DEG Cologne, Germany) following the closure in Cameroon of several foreign-owned banks such as the Crédit Agricole, BICIC and Meridien BIAO, the Commercial Bank-Cameroun is a financial institution whose principal mission is:
- To assist companies and individuals in their financial operations and in the financing of their activities and projects.
- To achieve this, the following credit is available to individuals: Term loans, Mortgage loans, business loans, investment loans, Short-term advances and Credit guarantees.
Clients also have access to the following savings products: Deposit accounts, Savings bonds, cash management products: Term deposits, Bank cheques as well as other services such as: certified cheques, Gold Cheque, funds collection, rental of client safe deposit boxes, overdraft facilities and soon, e-banking.
Branches in Cameroon
CBC Bank has six regional branches and two Western Union points in the principal towns of Cameroon: Douala (opened in November 1997), Yaoundé (January 1998), Bafoussam (February 1998), Garoua (October 1998), Maroua (December 1998) and Akwa (September 2003).
Branches Network
Given its international perspective, the Commercial Bank-Cameroun has a branch network throughout the central African sub-region via associate banks :
- The Commercial Bank-Tchad (CBT) in Chad;
- The Commercial Bank-Centrafrique (CBCA) in the Central African Republic.
- The Commercial Bank-Guinea Ecuatorial (CBGE) in Equatorial Guinea will soon be joining the network.
- The Commercial Bank-Sao Tomé e Principe (COBSTP)in Sao Tomé e Principe.
Associated & Correspondent Banks
The CBC banking network extends worldwide thanks to correspondent banks.
- In France this includes: Crédit Commercial de France (CCF), BNP Paribas Paris, Banque Belgolaise Paris;
- In Germany: American Express-Bank Frankfurt;
- In the USA: American Express Bank, New York;
- In Benin: EcoBank Bénin Cotonou; in Mali: Banque de l'Habitat Bamako;
- In Chad: Financial Bank N'djamena;
- In the Central African Republic: Banque Internationale pour la Centrafrique (BICA) and
- In Gabon: Banque Internationale pour le Commerce et l'Industrie du Gabon (BICIG) and BGFI Bank.
Website : www.cbc-bank.com, Phone number : 237-3420-202
3. Ecobank -
At Ecobank Corporate Banking, we know that business success depends on much more than just access to money. We understand the broader needs of enterprises, be they multinationals or entrepreneurial start-ups. Our unrivalled presence across Africa and our experience of helping businesses grow means that we can provide you with practical financing solutions and ongoing support. It is the knowledge, experience and local insight of our people that distinguishes Ecobank from our rivals and we place their considerable expertise at your disposal. At the heart of our involvement is your dedicated pan-African Relationship Manager who is committed to understanding your business needs and providing responsive, customized lending solutions, with a focus on local empowerment.
Whether you are in need of a trade loan, working capital or longer-term project finance, we are uniquely positioned to deliver a truly pan-African service:
- Our Internet Banking service gives you secure access to corporate banking 24/7
- Innovative and integrated cash management solutions to help you do business in Africa
- Settle your transactions efficiently and mitigate payment risks
- Supply Chain Finance across Africa with proven solutions for both your suppliers and distributors
Address : P.O. box:B.P. 582, Douala – Cameroun.
Website : www.ecobank.com, Phone number : 237-3344-3030
4. Union Bank of Cameroon -
Union Bank of Cameroon plc is a Commercial Bank created by the Credit Union network and licensed by the monetary authority in 1999 to carry out the business of a commercial bank. It opened its doors to the public in January 2000, and in 2008 Oceanic Bank International plc headquarters in Lagos acquired majority shares in UBC and emerged as core investor thus moving its share capital from 5 to 20 billion FCFA.
Core Values (Teams)
T: Transparency
E: Equal opportunity
A: Accountability
M: Merit
S: Service excellence
Our vision:
“think banking…think UBC”
Our mission:
“To provide excellent and comprehensive services to all our customers in a friendly environment using qualified and experienced personnel and appropriate technology”
Address : NWCA ltd. Building, 2nd Floor, Commercial Avenue, P.O. Box 110, Bamenda.
Website : www.unionbankcameroon.com, Phone number : 237-3336-2316
Canada
1. Bank of Canada -
The Bank of Canada opened its doors in March 1935, operating from rented premises in the Victoria Building on Ottawa's Wellington Street. Conditions in the Victoria Building quickly grew cramped and inefficient, and in January 1936 Governor Graham F. Towers proposed the design and construction of new premises to Prime Minister Mackenzie King. King agreed, and by May the Bank had purchased a building site further west on Wellington Street, at a price of $83,500 (about $1.2 million in 2004 dollars). The Bank hired S.G. Davenport of Montréal to act as consulting architect and adviser for the project. Davenport, in turn, recommended that the Toronto firm of Marani, Lawson and Morris be hired as principal architects.
Located at 234 Wellington Street, across from Parliament Hill, this site has been the Bank’s home since 1938. Highly specialized duties essential to the functioning of the Canadian economy are performed at the Bank’s head office, including $15 billion in payments processed daily by the Bank within the large-value payment system, and the management of more than $600 billion in federal government debt and $68 billion in foreign reserves. Staff based at the head office also perform leading-edge economic and financial analysis to guide the conduct of monetary policy and promote financial stability. A resilient work facility is therefore critical for the Bank to continue to fulfill its mandate to promote the economic and financial welfare of Canada.
Monetary Policy
The Bank contributes to solid economic performance and rising living standards for Canadians by keeping inflation low, stable and predictable. Since 1991, the Bank’s monetary policy actions toward this goal have been guided by a clearly defined inflation target.
Currency
The Bank designs, produces and distributes Canada’s bank notes and replaces worn notes. It deters counterfeiting through leading-edge bank note design, public education and collaboration with law-enforcement agencies
Financial System
The Bank promotes a stable and efficient financial system in Canada and internationally. To this end, the Bank oversees Canada’s key payment, clearing and settlement systems; acts as lender of last resort; assesses risks to financial stability; and contributes to the development of financial system policies.
Funds Management
The Bank provides effective and efficient funds-management services for the Government of Canada, as well as on its own behalf and for other clients. For the government, the Bank provides treasury-management services and administers and advises on the public debt and foreign exchange reserves. In addition, the Bank provides banking services to critical payment, clearing and settlement systems.
Address : 234 Wellington Street, Ottawa, Ontario, Canada.
Website : www.bankofcanada.ca, Phone number : 613 782-7669
2. Bank of Montreal -
Established in 1817 as Bank of Montreal, BMO Financial Group (TSX, NYSE: BMO) is a highly diversified financial services organization. With total assets of $549 billion as of July 31, 2013, and more than 46,500 employees, BMO provides a broad range of retail banking, wealth management and investment banking products and solutions. We serve Canadian clients through BMO Bank of Montreal, our personal and commercial banking business, BMO Nesbitt Burns, one of Canada’s leading wealth management firms, and BMO Capital MarketsTM, our North American investment and corporate banking division. In the United States, clients are served through BMO Harris Bank, a major U.S. Midwest personal and commercial bank, and BMO Private Bank, with wealth management offices across the United States, as well as BMO Capital MarketsTM, our North American investment and corporate banking division.
On July 5, 2011, BMO announced that it had completed the acquisition of Milwaukee-based Marshall & Ilsley Corporation (M&I). M&I merged with Harris Bank to form BMO Harris Bank N.A., part of BMO Financial Group. This integration was completed on Octboer 8, 2012, and all branches now operate under the name BMO Harris Bank. We help our customers make money make sense by delivering the broadest range of financial services through a single point of contact. Our financial service professionals provide access to any services our customers require across the entire enterprise.
Address : 100 King Street West, 21st Flr, Toronto, Canada.
Website : www.bmo.com, Phone number : 514-877-7605
3. Bank of Nova Scotia -
Scotiabank is a leading multinational financial services provider and Canada's most international bank. Since welcoming our first customers in Halifax, Nova Scotia, in 1832, Scotiabank has continued to expand its global reach. Today, through our team of more than 83,000 employees, Scotiabank and its affiliates offer a broad range of products and services, including personal, commercial, corporate and investment banking, to some 21 million customers in more than 55 countries around the world.
Our core purpose is to be the best at helping customers become financially better off. Scotiabank's continued growth and success is founded on several key factors:
- A committed team that lives our shared values and works together to provide customers with expert advice and service.
- A solid foundation of key strengths and priorities, including a strong capital base, and excellent risk and expense management skills.
- A straightforward business model anchored in diversification by business, geography, risk, and people, as well as a clear focus on a five-point strategy.
Our Core Businesses
Our strategy of diversification underpins our potential for sustainable earnings growth in each of our four business lines: Canadian Banking, International Banking, Global Banking and Markets and Global Wealth & Insurance, over the long term.
Canadian Banking
Canadian Banking provides a full suite of financial advice and solutions, supported by an excellent customer experience, to over 7.5 million personal and business customers across Canada, via 1,037 branches, 3,527 automated banking machines, as well as internet, mobile and telephone banking, specialized sales teams, and third-party channels.
Canadian Banking is comprised of two main businesses:
- Retail and Small Business Banking provides financial advice and solutions to individuals and small businesses, such as day-to-day banking products, including debit cards, deposit accounts, credit cards, investments, mortgages, loans, and related creditor insurance products.
- Commercial Banking delivers advisory services and a full solutions suite to medium and large businesses including a broad array of lending, deposit and cash management solutions.
International Banking
International Banking encompasses Scotiabank's retail and commercial banking operations in more than 55 countries outside Canada – an international presence unmatched by other Canadian banks. This business line has operations in Latin America, the Caribbean and Central America, and Asia, with more than 73,000 employees (including subsidiaries and affiliates). A full range of personal and commercial financial services is provided to over 13.5 million customers through a network of over 3,000 branches and offices, 7,516 ABMs, mobile, internet and telephone banking, in-store banking kiosks, and specialized sales forces.
Global Banking and Markets
Global Banking and Markets (GBM) is the wholesale banking and capital markets arm of the Bank. It offers an extensive number of products to corporate, government and institutional investor clients. GBM is a full-service lender and investment dealer in Canada and Mexico and offers a wide range of products in the U.S., Central and South America, and in select markets in Europe and the Asia-Pacific region.
GBM provides corporate lending, equity and debt underwriting, and mergers and acquisitions advisory services, as well as capital markets products and services, such as fixed income, derivatives, prime brokerage, securitization, foreign exchange, equity sales, trading and research, energy and agricultural commodities and, through ScotiaMocatta, precious and base metals.
Global Wealth & Insurance
Scotiabank's Global Wealth & Insurance (GWI) business line combines the Bank's wealth management and insurance operations in Canada and internationally, and Global Transaction Banking. GWI is diversified across multiple geographies, product lines and strong businesses.
Global Wealth is an integrated business including asset management and client-facing businesses.
- The asset management business is focused on developing innovative investment solutions for both retail and institutional investors.
- The global client-facing wealth business units include private client, online and full service brokerage, institutional client services and the independent advisor channel. Its focus is on providing advice and solutions for clients in Canada and internationally.
- Global Insurance has four main businesses in Canada: creditor, life and health, home and auto and travel. Internationally, a full range of insurance products (creditor, non-creditor, life and health, and property) are sold to bank customers through a number of different Scotiabank channels.
- Global Transaction Banking (GTB) is a virtual business offering comprehensive business solutions – cash management, payment services, electronic banking, business deposits, and trade services – on a global basis to the small business, commercial and corporate customers of the Bank. It also provides correspondent banking products and services to other financial institutions globally. The results of this unit are included in Canadian Banking.
Address : 44 King St West, Toronto ON, Canada.
Website: www.scotiabank.com, Phone number: 416-866-6161
4. Bank West -
We provide reliable payment processing solutions to merchants across Canada. As an independent alternative to Visa, MasterCard and other credit services, AgriCard is tailored to work best for your business and valued customers. With easy-to-use point of sale (POS) systems and flexible features, we help simplify operations and maximize cash flow for both you and your customers. Maximize Cashflow: with flexible credit limits and payment terms and no membership fees, AgriCard gives your customers the ability to purchase your products and/or services, whenever they need them. Customer Promotions: benefit from marketing and promotional campaigns that drive customers to your door while enabling you to enrich your offering through our extended payment programs.
Build Customer Loyalty: reward your customers with AgriPoints, redeemable for cash discounts and FREE merchandise. We provide a variety of business lending products to sole proprietorships, partnerships and corporations in western Canada. We deal with each customer on an individual basis and don't require you to move all your business—we simply focus on finding the best financing solutions for your specific financing needs. Whether you are a commercial loan broker or the end-client, our team of experts are on hand.
The acquisition of owner-occupied or rental properties, renovations or property improvements, capital restructuring, and refinancing are all situations where Bank West can help. We offer competitive variable rate terms of 1 year, fixed rate terms of 1 to 5 years, and amortization periods up to 25 years. The exact terms of the financing are based on the specifics of your company. Financing and payment options are available, including flexible payment schedules that fit your budget. In addition, we offer a life and disability insurance option to business owners.
Whether you are a commercial loan broker or the end-client, contact us today to speak with one of our commercial financing experts.
Address : 1010-24th Street SE, High River, AB, T1V 2A7, Canada.
Website: www.bankwest.ca, Phone number: 800-784-2504
5. Business Development Bank of Canada -
Our mission
Help create and develop Canadian businesses through financing, venture capital and consulting services, with a focus on small and medium-sized enterprises (SMEs).
Our vision
Accelerate entrepreneurs' success.
In fact, we're solely dedicated to Canadian entrepreneurs. We have a nationwide team helping more than 28,000 businesses reach their full potential.
What we do
Help build Canadian business capacity:
- Financing: long-term loans for projects and working capital
- Consulting services: tailored consulting services at a price businesses can afford
- Subordinate financing: hybrid debt and equity financing
- Venture capital: direct and indirect investments in high technology companies
Our value proposition
We put entrepreneurs' success at the heart of all we do.
BDC employees care about making a difference for Canadian entrepreneurs. They are guided everyday by the following values:
- Ethics
We build solid relationships based on mutual trust. Our actions are guided by integrity and respect for our clients, suppliers, partners and each other.
- Client connection
We share our clients' passion. We care about their success and support them every step of the way. Our relationships are based on entrepreneurial thinking.
- Team spirit
We are enriched by our diversity. We share our wide-ranging expertise to help our clients and the organization grow. We respect each other's differences and work together to succeed.
- Accountability
We honour our commitment to help grow the Canadian economy. We take responsibility for our actions in all our dealings both inside and outside BDC.
- Work/life balance
We recognize that we all face unique challenges in fulfilling the responsibilities of our personal and professional lives. We value a work environment that enables us to achieve a healthy balance.
Address : 5, Place Ville Marie, Suite 400, Montréal, Quebec H3B 5E7, Canada.
Website : www.bdc.ca, Phone number : 877-232-2269
6. Bridgewater Bank -
In the world of banking, common sense has become surprisingly uncommon. Rules are piled on top of rules, making life harder than it needs to be. That’s not what you want. You want unbureaucratic and unconventional service that delivers practical, workable solutions that make sense to you. Quite simply, we focus on what works best for you and back it up with outstanding service. It’s that uncomplicated. We’re Bridgewater Bank and that’s just how we do things.
All You Need To Know
Bridgewater Bank is a Canadian Schedule l chartered bank with over 200 employees and a portfolio of over $4 billion representing over 93,000 accounts across Canada (with the exception of Quebec). We specialize in competitive residential mortgages and deposit products through a select network of brokers. In 2010 we became a MasterCard issuer and are the exclusive issuer of the Canadian Automobile Association (CAA®) Rewards MasterCard®* for nine CAA clubs across Canada. We also offer a variety of financial products through our website and by phone.
Established in 1997, Bridgewater Bank is a wholly owned subsidiary of the Alberta Motor Association (AMA), the largest membership service organization in Alberta. We’re customer-focused, helping you succeed with honest, straightforward service and solutions to meet and exceed your needs.
Under the supervision of the Office of the Superintendent of Financial Institutions (OSFI), Bridgewater Bank holds membership in the following organizations:
- The Canada Deposit Insurance Corporation (CDIC)
- Canadian Payments Association (CPA)
An active partner within the financial services community, Bridgewater Bank is a proud member of numerous industry organizations including:
- Canadian Bankers Association
- Registered Deposit Broker Association (RDBA)
- Canadian Association of Accredited Mortgage Professionals (CAAMP)
- Alberta Mortgage Broker Association (AMBA)
- Independent Mortgage Brokers Association of Ontario (IMBA)
- Mortgage Brokers Association of BC (MBABC)
- Alberta Contact Centre Association (ACCA)
Address : Suite 150, 926-5th Avenue SW, Calgary, Alberta T2P 0N7, Canada.
Website : www.bridgewaterbank.ca, Phone number : 866-243-4301
7. Canadian Imperial Bank of Commerce -
The largest merger of two chartered banks in Canadian history happened on June 1, 1961 - The Canadian Bank of Commerce (established 1867) and the Imperial Bank of Canada (established 1875) merged to form the Canadian Imperial Bank of Commerce (CIBC). Its history spans nearly two centuries and is full of adventure and enterprise. Long-term success requires effective governance. The Board of Directors and management of CIBC are committed to excellence in this regard. While CIBC has already been recognized as a leader in this area, we strive each year for continuous improvements in our governance structure and processes.
Elements of effective governance at CIBC:
Achieving excellence
To achieve excellence in governance, CIBC's Board seeks to maintain a high level of expertise and independence for itself.
Integrated governance model
CIBC's senior management team plays a key role in the overall governance of CIBC's businesses by providing timely and accurate information to the Board to assist the directors in their oversight responsibilities. Regular and candid interaction between the Board and management is another key aspect of strong governance to support the long-term interests of CIBC's stakeholders.
Commitment to transparency
The Board and management of CIBC recognize the importance of consistent and timely communication with CIBC's stakeholders.
Responsible corporate citizenship
Another component of good governance includes being a responsible corporate citizen. CIBC is recognized as a leader in sustainable business practices and corporate social responsibility.
Website : www.cibc.com, Phone number : 416-980-2211
8. Canadian Tire Bank -
As the financial services arm of Canadian Tire Corporation, Ltd., Canadian Tire Financial Services (CTFS) is primarily engaged in marketing the Canadian Tire Options® MasterCard® portfolio to four million Cardmembers. The Options MasterCard is accepted at more than 24 million locations worldwide, and offers the Canadian Tire 'Money' On The Card® awards1 loyalty program. Canadian Tire Financial Services also markets a variety of insurance and related services to more than six million customers. In addition, our emergency roadside service, Canadian Tire Roadside Assistance™, provides peace-of-mind driving to many Canadians. Our goal is to build life long relationships with Canadian Tire customers by providing products and services they truly value.
A part of the Niagara Community for over 40 Years
We began in 1961 as a small financial service company offering third-party credit processing for local retailers. Over the next two decades we provided support in the form of credit-processing facilities for the expanding, nation-wide network of Canadian Tire stores. Concentration of all our efforts on Canadian Tire during this period enabled us to rapidly develop the skills we needed for high-speed, high-volume transaction processing. In 1995, we became the first non-deposit taking, financial institution worldwide to launch a MasterCard called the Options MasterCard. Today, we have grown our MasterCard portfolio to four million cardmembers. In addition, in 2000 we expanded Canada's oldest and most recognized loyalty program, Canadian Tire 'Money' paper coupons, by launching the Canadian Tire 'Money' On The Card awards program. With an Options MasterCard, you can get Canadian Tire 'Money' rewards1 virtually everywhere you use it, not just at Canadian Tire.
In 2003, Canadian Tire Bank was established. A wholly owned subsidiary of CTFS, Canadian Tire Bank operates under federally regulated guidelines and is a perfect strategic fit for CTFS. As we continue to accelerate the growth of our MasterCard portfolio, Canadian Tire Bank will put us on a level playing field with many of our direct competitors. Now Canadian consumers can add Canadian Tire Bank as a stable, trustworthy and quality institution that will provide them with additional variety and choice in products. Canadian Tire Financial Services, with Canadian Tire Bank, currently employs more than 1,600 people, with offices in Welland, St. Catharines, and Burlington, Ontario. We contribute significantly to Canadian Tire Corporation's annual profits, positioning us as an important player in the financial services industry. We operate state-of-the-art Contact Centres in Welland and St. Catharines, which provide World Class Customer Service to our valued Canadian Tire customers nationwide. In fact, the Service Quality Measurement Group Inc. (SQM) has repeatedly recognized us as the "Best Call Centre in North America" and an organization whose overall customer satisfaction ratings are at the world-class level.
We Believe in Keeping Customers for Life
Canadian Tire Financial Services' philosophy is keeping "Customers for Life," and we are committed to providing customer service excellence to our customers and shareholders through the provision of value-added products. Combining the latest in technology with a strong "Values" system, we are building an impressive rate of growth and success. We are committed to achieving growth and innovation through a culture where all employees are encouraged to perform at the top of their game.
Our business is built on four key strategies:
• Knowledge and understanding of our customers and their needs
• Timely development of new services to meet these needs
• Matching the right customer with the right service at the right time
• Providing service, quality, and value that keep "Customers for Life"
We are success driven, operating at a national level, within a thriving community. Creating a performance culture while promoting personal fulfillment is at the heart of what we do every day.
Address : PO Box 2000, Station Main, Welland, ON, L3B 5S3, Canada.
Website : www.ctfs.com, Phone number : 866-681-2837
9. Canadian Western Bank -
Canadian Western Bank (CWB) is the largest publicly traded Canadian bank headquartered in Western Canada. We offer all the services you would expect, like business banking, personal banking and the opportunity to invest for your future. But it's our shared perspective and focus on people that really set us apart. We believe long-term financial success is rooted in hard work. Our common sense approach and commitment to build strong banking relationships help us create and offer solutions to meet the unique needs of each client.
Get to know us through our web site, or contact us directly to see how we can help with your financial services needs. You can view some testimonials about what our clients have to say about us on The Working Bank website. CWB is a member of the Canada Deposit Insurance Corporation. CWB and its operating companies/divisions collectively offer services in the areas of banking, trust, insurance and wealth management, and are together known as Canadian Western Bank Group (CWB Group). Visit - www.cwbankgroup.com for additional information.
Address : 3000, 10303 Jasper Avenue, Edmonton, Alberta T5J 3X6, Canada.
Website : www.cwbank.com, Phone number : 780-423-8888
10. Citizens Bank of Canada -
Citizens Bank is built on the premise that all companies have a responsibility to use their resources to make a positive difference in the world around them. Formed by Vancity in 1997 to take the largest credit union in Canada beyond the borders of B.C., we were the first and we’re still the only bank with a clear ethical policy.
In 2008, we further differentiated ourselves by becoming the first North American-based bank to be carbon neutral. This means the CO2 emissions we create are now equal to the emissions we have reduced or offset elsewhere. As part of Vancity, we achieved this goal through a rigorous emissions reduction program focusing on energy use, staff travel, paper consumption and waste.
Vision
To engage people in a different way of banking that contributes to a better world.
Values
Integrity - Operating with high ethical standards and fully incorporating the member-driven ethical policy into how we do business.
Innovation - Development of new ideas and methods in order to continually improve our effectiveness in
delivering outstanding customer service.
Responsibility - Accountability to the community, our member, our employees, our parent company Vancity,
and the environment for our triple bottom line performance.
As a proud member of the Vancity Group, Citizens Bank is also guided by the Group's Statement of Values and Commitments.
Address : 815 West Hastings Street, 4th Floor Reception, Vancouver, BC V6C 1B4, Canada.
Website : www.citizensbank.ca, Phone number : 604-708-7876
11. Direct Cash Bank -
Who we are
We are a Schedule 1 Canada chartered bank and are regulated by the Office of the Superintendent of Financial Institutions. Based in Calgary, Alberta, our goal has always been to provide exceptional access to your funds without the high fees of your mainstream banking providers. We do this by way of having the largest ATM network in Canada to access cash - with over 7,500 branded terminals.
What we are
DirectCash Bank offers ATM Accounts, Prepaid MasterCards, and Corporate Accounts. Our purpose is simple: You deposit funds, you access your funds securely, and you save money.
Privacy
The privacy of our customers is very important to us. How we deal with personal information is outlined in our privacy code. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have.
CDIC
Direct Cash Bank is a member of the Canadian Deposit Insurance Corporation, meaning our deposits are insured up to a maximum $100,000. Our ATM Account and Corporate Account are eligible for CDIC Insurance.
Other Associations
DirectCash Bank is also a member of The Canadian Payments Association, Interac Association, MasterCard International and Maestro International.
Address : Bay 6, 1420 - 28th Street NE, Calgary, Alberta, Canada.
Website : www.dcbank.ca, Phone number : 888-466-4043
12. First Nations Bank of Canada -
Our Vision Statement
"The Aboriginal Bank"
Our Mission Statement
First Nations Bank of Canada is a competitive, capable, service oriented provider of financial services. Our focus is the Aboriginal market in Canada. We are a leader in the provision of financial services to Aboriginal People and an advocate for the growth of the Aboriginal economy and the economic well-being of Aboriginal People. We increase shareholder value by participating in and promoting the development of the Aboriginal Economy.
Our Profile
First Nations Bank of Canada (the "Bank") is a Canadian chartered bank primarily focused on providing financial services to the Aboriginal marketplace in Canada. First Nations Bank of Canada is over 80% Aboriginal owned and controlled. The Bank offers Aboriginal and non-Aboriginal people, corporations and governments a full range of personal and business banking services including loans, mortgages, investments (registered and non-registered), transaction accounts and cash management. First Nations Bank of Canada is an approved member of Canada Deposit Insurance Corporation, the Canadian Payments Association and is an approved mortgage lender with Canada Mortgage and Housing Corporation.
Address : Unit #1, Thunderbird Plaza, RR #3, Wallaceburg, ON, N8A 4K9, Canada.
Website : www.fnbc.ca, Phone number : 306-955-3622
13. General Bank of Canada -
General Bank of Canada is comprised of people who share a passion for two things:
The automotive business, and great customer service. Our roots in the car business go deep. Our founding family has been in the business of helping people with their automotive needs, and providing ancillary products such as insurance and warranties for over 50 years.
Our executive, credit, and sales teams are all "car people", with well over a century of experience between us. In a business that is highly commoditized, we strive to make a difference by providing the best service levels in the business, at prices that are competitive.
Address : 11523-100 Avenue, Suite 006, Edmonton, Alberta, T5K 0J8, Canada.
Website : www.generalbank.ca, Phone number : 780-443-5626
14. Home Equity Bank -
HomEquity Bank originates and administers Canada's largest portfolio of reverse mortgages under the CHIP Home Income Plan brand. HomEquity Bank and its predecessor, Canadian Home Income Plan Corporation, has been the main underwriter of reverse mortgages in Canada since pioneering the concept in 1986. HomEquity Bank’s CHIP Home Income Plan is a solution that meets the needs of Canada’s retired homeowners. With increasing demands on their retirement savings, many Canadian seniors need additional funds to live their lives to the fullest. The CHIP Home Income Plan is an ideal solution. With it, seniors can monetize a significant portion of the investment in their homes while continuing to live there.
Since its inception, the CHIP Home Income Plan has helped thousands of Canadian seniors achieve a more secure retirement. The heightened demand for our product solution is driven by demographics and by the awareness of seniors and their financial advisors. HomEquity Bank is owned by Birch Hill Equity Partners (“Birch Hill”). With $2 billion in capital under management, Birch Hill has invested in more than 50 investments since 1994; Birch Hill is the leader in long-term value creation in the Canadian mid market. For more information about Birch Hill Equity Partners, please visit www.birchhillequity.com.
Address : 1881 Yonge Street, Suite 300 , Toronto, ON, M4S 3C4, Canada.
Website : www.homequitybank.ca, Phone number : 416-925-4757
15. Jameson Bank -
Jameson Bank (formerly Jameson International Foreign Exchange) was founded in 1989 by Mr. James K. Lau in a small office with 2 people. We now have employees and offices across Canada. On July 22 2008, Jameson became a Canadian Schedule I Bank, Canada’s first treasury bank, and the first privately owned bank in Ontario.
Address : Simcoe Place, 200 Front Street West, Suite 2203, Toronto, ON M5V 3K2, Canada.
Website : www.jamesonbank.com, Phone number : 800-363-7363
16. Laurentian Bank of Canada -
Laurentian Bank is a pan-Canadian financial institution recognized for its service excellence, simplicity and commitment to maintaining proximity to its clientele. In addition to occupying a privileged position among Québec consumers with the third largest branch network in the province, the Bank has earned a solid reputation elsewhere in Canada as a leading player in select markets. Laurentian Bank clearly stands apart from other banking institutions, having distinguished itself for the respect and attentiveness it consistently shows towards its clients. In fact, the Bank has always stayed true to the approach it adopted when it was founded more than 167 years ago — constantly remaining close to people.
For individuals, being a client of Laurentian Bank means having access to top-quality services tailored to their specific needs and aspirations. The Bank’s Financial Services Boutiques, for example, serve as an expression of its innovative spirit and of its dedication to continuously enhancing the client experience. As part of this philosophy, the Bank has adopted its distinctive family orientation, which includes reserving areas for children at some of its branches and supporting various events and organizations geared towards young families. Laurentian Bank also serves as a unique source of solutions for businesses — particularly SMEs, for which it has a strong affinity. The Bank especially stands apart for its personalized service, its line of competitive products, and for its effective support. At the same time, it constantly adapts to the realities of its commercial clients, while maintaining the proximity that is its hallmark.
Laurentian Bank is a major player in the area of real estate and commercial financing. The institution has specialized teams in place to cater to this sector at more than 38 offices located in Québec, Ontario, Alberta and British Columbia. For its part, Laurentian Bank’s B2B Bank subsidiary is a leader in the provision of banking products to brokers and financial advisors across Canada. In fact, B2b has been proudly devoted to effectively meeting the needs of this specific clientele for over a decade. Finally, the Bank provides investors with a range of integrated brokerage services through its Laurentian Bank Securities subsidiary, whose effectiveness and expertise are recognized across Canada.
Our Values
Passion for client interests - because our clients are our very raison d’être.
Simplicity - because life is complicated enough.
Entrepreneurship - because we take our organization’s development and growth very much to heart.
Integrity - because it is all about the assets of our clients and their future.
Teamwork - because our success depends on our collective efforts.
What constitutes our greatest strength are our 4,200 or so employees devoted to meeting the financial needs of our clients efficiently and with total integrity at more than 235 service points across Canada, including 155 bank branches, 38 commercial banking centres and 16 brokerage offices.
Address : 1981, McGill College avenue, Suite 1585, Montreal, Quebec, H3A 3K3, Canada.
Website : www.laurentianbank.com, Phone number : 514-284-4500
17. Manulife Bank of Canada -
Established in 1993, Manulife Bank of Canada (Manulife Bank) was the first federally regulated bank opened by an insurance company in Canada. It is a Schedule l federally chartered bank and a wholly-owned subsidiary of Manulife Financial, one of Canada's leading financial institutions. Today, Manulife Bank serves clients across Canada in all provinces and territories. With a high-quality loan portfolio, the majority of loans being in residential mortgages, Manulife Bank is a profitable and well-capitalized organization. Trying to choose from among the thousands of banking products available in Canada can be a confusing and frustrating task. We think it should be easy for you to find great banking products. That's why we provide our products through financial advisors. Your advisor understands your unique situation and can recommend banking products that will help you achieve your broader financial goals. And, because we always provide our best products and rates up front, you can be confident you're getting the best products and rates we have, whether it's today or five years from now. Let your financial advisor provide you with premium, no-haggle banking solutions that complement your financial plan. With Manulife Bank, you get all this, plus the security you expect. Now, that's banking, the way it should be.
Manulife Trust Company (Manulife Trust) is a federally chartered trust company licensed to do business in all Canadian provinces and territories. Established in 2010, it is a wholly-owned subsidiary of Manulife Bank. Like its parent company, Manuilfe Bank, Manulife Trust is a member of CDIC. Manulife Trust offers select deposit products in nominee name and Preferred Rate Mortgages in all Canadian provinces and territories.
Address : 500 King Street North, Suite 500-MA, P.O. Box 1602 STN Waterloo, Waterloo, ON N2J 4C6, Canada.
Website : www.manulifebank.ca, Phone number : 877-765-2265
18. National Bank of Canada -
History
Rome was not built in a day, and neither was National Bank. Over the years, a series of well-planned mergers, acquisitions and associations that have helped make the Bank the partner of choice for businesses and individuals in Canada and abroad.
Network
National Bank has a vast network of service units including branches, international centres in Canada and abroad, foreign-exchange counters, commercial banking centres, etc. Consult this section to find the service unit nearest you!
Subsidiaries
Over the years, National Bank has made a concerted effort to diversify its products and services in order to become the only financial partner you need. This has involved creating a number of subsidiaries, and we take pride in the way we've integrated their service offerings into our branch network.
Diversity
At National Bank Financial Group, diversity is part of our culture. It finds its expression in our officers’ and employees’ concrete actions and close relationships with the communities we serve. Our company has received national recognition in this area.
Our Commitment to Diversity
Diversity is more than just a word: it's a value that is expressed by Senior Management and the approximately 18,000 employees of National Bank Financial Group.
Cultivating Relationships with the Community
By cultivating relationships with the communities it serves, National Bank Financial Group encourages women, men, visible minorities, persons with disabilities and Aboriginal people to find a place for themselves within our organization. One of the things we have done is to set up different strategies to facilitate integration and career advancement.
Address : 1155 Metcalfe, 5th floor, Montreal, Québec, H3B 4S9, Canada.
Website : www.nbc.ca, Phone number : 514-394-5000
19. Pacific & Western Bank of Canada -
Pacific & Western Bank of Canada, a Schedule I chartered bank, has grown its assets consistently and significantly from an initial vision for a new kind of financial institution. PWBank's vision was to make full use of emerging technologies to transform its originally small size, traditionally a handicap in the banking industry, into an advantage by achieving record efficiencies in both time and money. Pacific & Western built a "branchless" bank, investing capital in highly-skilled, experienced people, and in advanced computing technologies, rather than in bricks and mortar. PWBank took advantage of existing brokerage networks to raise deposits. And it focused on specific niches in which the Bank has a Home Hardware Logogreat wealth of experience – financing well established corporations and public sector entities. The Bank has a seasoned team of expert lenders in three primary areas, Commercial and Corporate Lending, Real Estate Lending and Public Sector Lending. Each group operates throughout Canada providing lending services coast to coast. Additionally, the Bank offers the Home Credit Card with its partner Home Hardware Stores Limited.
To this day, PWBank's growth, corporate structure, and operations reflect its original vision. The Bank's staffing is streamlined, with an asset to employee ratio, a quantifiable measure of productivity, approximately four times better than that averaged by other banks. PWBank continually improves its technologies to support its rapid growth. And it has established a dedicated risk management group to ensure growth does not exceed capabilities. Pacific & Western is fast, focused and friendly. The Bank provides two primary services: deposits and financing. PWBank is organized into two distinct operating divisions for these services given that each requires different strategies and each transacts business in different markets. The Bank's Head office is in London, Ontario. Deposit services operate from the Saskatoon, Saskatchewan, corporate office, with a nationwide broker network raising deposits on the Bank's behalf. Financing services operate from the Bank's various Lending offices located throughout Canada - Toronto, Waterloo, London, Saskatoon and Vancouver - where PWBank provides Commercial and Corporate Lending, Real Estate Lending and Public Sector Lending. Experienced and efficient – Pacific & Western Bank builds shareholder value in a fresh, new way.
Address : 140 Fullarton Street, Suite 2002, London, Ontario N6A 5P2, Canada.
Website : www.pwbank.com, Phone number : 519-645-1919
20. Royal Bank of Canada -
Royal Bank of Canada (RY on TSX and NYSE) and its subsidiaries operate under the master brand name RBC.
- We are one of Canada's largest banks as measured by assets and market capitalization, and are among the largest banks in the world, based on market capitalization.
- We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management services, insurance, corporate and investment banking and investor services on a global basis.
- We employ approximately 80,000 full- and part-time employees who serve more than 15 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 44 other countries.
Vision
Always earning the right to be our clients' first choice
Strategic Goals
- In Canada, to be the undisputed leader in financial services.
- Globally, to be a leading provider of capital markets and wealth management solutions.
- In targeted markets, to be a leading provider of select financial services complementary to our core strengths.
Values
- Excellent service to clients and each other
- Working together to succeed
- Personal responsibility for high performance
- Diversity for growth and innovation
- Trust through integrity in everything we do
Address : 200 Bay Street, South Tower, Toronto, Ontario, Canada M5J 2J5.
Website : www.rbc.com, Phone number : 416-974-5151
21. Toronto Dominion Bank -
We help you achieve your goals by giving you all the benefits of the ongoing and dedicated involvement of a skilled Relationship Manager. This business banking specialist will take the time to understand your business and then work with you to customize the products and services that best meet your needs. TD provides business solutions to companies of all sizes. If your business generates annual revenues of $5,000,000 or more, Commercial Banking can assist you. Our team of experienced specialists located at Commercial Banking Centres across Canada will work with you to help create a banking solution that supports your business. If your business generates annual revenues up to $5,000,000 or does not require the expertise of a TD Commercial Banking Relationship Manager, please visit our Small Business Banking website. Contact us today to discuss how, together, we can create a flexible and customized business banking strategy that’s right for your company now and into the future.
TD Canada Trust EasyWeb Internet banking makes everyday banking faster and easier.
- Manage your accounts with secure 24/7 access
- Access EasyWeb from anywhere you can access the Internet
- Use EasyWeb on your mobile device, by downloading the free TD Mobile App
- Get the security of our Online Security Guarantee
Address : 55 King St. West Toronto, Ontario M5K 1A2, Canada.
Website : www.td.com, Phone number : 416-982-8222
China
1. Agricultural Bank of China (ABC) –
The predecessor of Agricultural Bank of China is Agricultural Cooperative Bank established in 1951. Since the late 1970s, the Bank has evolved from a state-owned specialized bank to a wholly state-owned commercial bank and subsequently a state-controlled commercial bank. The Bank was restructured into a joint stock limited liability company in January 2009. The Bank was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange, respectively in July 2010, which marked the completion of our transformation into a public shareholding commercial bank.
Being one of the major integrated financial service providers in China, the Bank is committed to catering to the needs of Sannong and capitalizing on the synergy between the Urban Areas and the County Areas. The Bank strives to expand into the international market and provides diversified services so as to become a first class modern commercial bank. Capitalizing on the comprehensive business portfolio, extensive distribution network and advanced IT platform, the Bank provides various corporate and retail banking products and services for a broad range of customers and carries out treasury operations for our own accounts or on behalf of customers. Our business scope includes, among others, investment banking, fund management, financial leasing and life insurance. At the end of 2012, the Bank had total assets of RMB13,244,342 million, deposits of RMB10,862,935 million and loans of RMB6,433,399 million. Our capital adequacy ratio and non-performing loan ratio were 12.61% and 1.33%, respectively. The Bank achieved a net profit of RMB145,131 million in 2012.
The Bank had 23,472 domestic branch outlets, including the Head Office, the Business Department of the Head Office, three specialized institutions managed by the Head Office, 37 tier-1 branches (including branches directly managed by the Head Office), 348 tier-2 branches (including business departments of branches in provinces), 3,482 tier-1 sub-branches (including business departments in municipalities, business departments of branches directly managed by the Head Office and business departments of tier-2 branches), and 19,600 other establishments. Our overseas branch outlets consisted of four overseas branches and five overseas representative offices. Our major subsidiaries consisted of nine domestic subsidiaries and three overseas subsidiaries.
In 2012, the Bank ranked No. 84 in Fortune’s Global 500, and ranked No. 5 in The Banker’s “Top 1000 World Banks” list in terms of profit before tax for the year of 2011. In 2012, the Bank’s issuer credit ratings were assigned A/A-1 by Standard & Poor’s; the bank deposits ratings were assigned A1/P-1 by Moody’s Investors Service; and the long-/short-term foreign-currency issuer default ratings were assigned A/F1 by Fitch Ratings. The Bank’s outlook ratings assigned by the above credit rating agencies were “stable”.
Address : No.69,Jianguomen Nei Avenue,Dongcheng District,Beijing, P.R.China,100005.
Website : www.abchina.com, Phone number: +86-10-8510-9619
2. Bank of Communications -
BOCOM provides account management services. Accounts include basic deposit accounts, common deposit accounts, special deposit accounts and temporary deposit accounts.
(1) Basic account
A basic account is an account catering to customers’ daily needs for transfer settlement as well as the cash receipt and payment. Cash withdrawals such as salaries and bonuses can only be conducted through this account. Depositors are only allowed to open one basic deposit account at the bank.
Procedures for opening a basic account:
a. The customer submits to BOCOM the original copy of Corporate Legal Person License or Business License issued by the local industrial and commercial administration authorities, Legal Person Code Certificate of the People’s Republic of China (duplicate) or code card;
b. The customer collects from BOCOM and fills out an Account Opening Application in triplicate, endorsed by company chop and name chop of the legal person’s representative or the name chop of the authorized personnel (attached with the name chops of the subsidiary unit and supervisory unit), along with the unit’s signature card and submits them to BOCOM.
c. Upon review and approval, BOCOM will imprint its company chop on the Account Opening Application form and assign an account number. The bank will maintain a copy for itself and send another copy to the customer;
d. Within two days of opening the account, the customer shall submit a copy of the Account Opening Application form directly to the local branch (accounting office)of the People’s Bank of China, or through a local BOCOM branch.
e. The customer collects a basic deposit account opening permit from the local branch of the People’s Bank of China.
(2) Common account
A common account is an account catering to needs for bank loan and fund transfer among depositors, in addition to their basic deposit accounts. It is opened by a non-independent accounting subsidiary unit at a venue that is different from that of basic deposit account holders. Depositors can make transfer settlements and cash deposits in this account, but they are not allowed to conduct cash withdrawals from it.
General account-opening procedures:
a. The customer submits to BOCOM the original copy of Corporate Legal Person License or Business License, Legal Person Code Certificate of the People’s Republic of China (duplicate) or code card, along with the basic deposit account opening permit;
b. Other account-opening procedures are the same as that of general deposit accounts.
(3) Special account
A special deposit account is an account opened by the depositor for specific purposes.
a. Scope of use
For specific purposes, the required funds will be under management of the special account.
b. Procedures for opening an account
Procedures in applying for and opening a special account are the same as that of basic deposit accounts.
(4) Temporary account
A temporary deposit account is an account opened by the depositor due to ad hoc commercial activities. With this account, the depositor can conduct transfer settlement and fund collection and payment in accordance with state regulations on cash management.
a. Scope of use
1) Provisional organization from other cities
2) Ad hoc commercial activities
b. Procedures for opening an account
1) Submit to BOCOM a provisional license issued by the local industrial and commercial administration authorities, and approval documents issued by the competent local authority.
2) Other account-opening procedures are to the same as that of opening general deposit accounts.
Address :188, Yinchengzhong Road, Shanghai, Postcode : 200120, China.
Website : www.bankcomm.com, Phone number : 86-21-95559
3. China CITIC Bank -
We are a Hong Kong-based full-service commercial bank that offers a broad spectrum of financial services spanning wealth management, personal banking, wholesale banking as well as global markets and treasury solutions. We aspire to be the “China Bank of Choice”, with the best international standards and capabilities. By providing value-creating financial solutions, we define and exceed both the wealth management and international business objectives of our Greater China and overseas customers.
Vision
To be the China Bank of Choice
Mission
- To be the China Financial Solutions Provider of Choice for institutional and personal customers who aspire to realise the growth potential in Asia.
- We focus on value creation for our stakeholders. Core to our offering is our intimate knowledge of and our network capability in China, coupled with our customer-centric execution of world-class quality.
- Nurturing of talent, team spirit and sharing of ownership and success are a key competitive advantage of ours.
Core values
- Customer-Centric
- Progressive
- Execution
- Value Creating
- Building People, Building Team
- Integrity
Address : 232 Des Voeux Road Central, HK, China.
Website : www.cncbinternational.com, Phone number : 86-21-95558
4. China Construction Bank -
We are a leading commercial bank in China providing a comprehensive range of commercial banking products and services. Our business consists of three principal business segments: corporate banking, personal banking, and treasury operations. We are among the market leaders in China in a number of products and services，including infrastructure loans，residential mortgage and bank cards.
We have an extensive customer base, with established banking relationships with many of the largest business groups and leading companies in industries which are strategically important to China's economy. At the end of 2011, the Bank had a network of 13,581 branches and sub-branches in Mainland China, maintained overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul, New York, Ho Chi Minh City and Sydney, and representative offices in Taipei and Moscow, and owned multiple subsidiaries, such as CCB Asia, CCB Financial Leasing, CCB International, CCB Trust, Sino-German Bausparkasse, CCB London, CCB Principal Asset Management, and CCB Life. The Group provides comprehensive financial services to its customers.
Address : 25, Finance Street, Xicheng District, Beijing, Postcode-100032, China.
Website : www.ccb.com, Phone number : 86-10-6621
5. China Development Bank -
CDB made significant progress in 2012 as it continued to promote a balanced combination of stability and growth in the Chinese economy. Our rigorous business development was kept well-aligned with national economic priorities of restructuring, inclusiveness, and reform. CDB boasts total assets of RMB 7.52 trillion with the non-performing loan ratio being at below 1% for the 31st consecutive quarter as of the end of 2012. We achieved net profits of RMB 63.1 trillion and maintained a capital adequacy ratio of 10.92%, reflecting enhanced sustainability and risk control. CDB accounts for 39.3% of the banking industry's investment in major national initiatives; our non-individual long-term lending grew by RMB 604.9 billion in 2012, with RMB 338.2 billion dedicated to new projects in energy, agriculture, water, telecommunications, and public infrastructure.
Increased investments in our regional portfolios were seen most clearly in central and western China (up RMB 345.1 billion in 2012) and northeast China (up RMB 70.3 billion), with more focused support for Xinjiang and ethnically Tibetan regions. These investments helped to achieve greater balance in regional development. CDB financed restructuring and modernisation in traditional industry sectors as well as innovation in strategic growth companies, facilitating rapid business development among key clients. CDB emphasised green credit and low-carbon finance in 2012, with over RMB 249.1 billion in new loans to environmental conservation, energy efficiency, and emissions reduction programmes. New lending to the cultural services sector in the year was RMB 23.4 billion. CDB loans to social housing projects grew by RMB 116.6 billion in 2012, a full 60% of total bank lending to the sector nationwide. Rural communities benefitted from new loans of RMB 21.6 billion to modernize agriculture and RMB 135 billion to improve rural infrastructure. Innovative financing models helped to relieve pressure on the SME sector, which last year received new loans totaling RMB 264.5 billion. CDB also financed water infrastructure to the tune of RMB 66.2 billion in conjunction with the Ministry of Water Resources. CDB issued student loans worth RMB 12 billion in 2012; over the years, these loans benefitted a cumulative total of 7.7 million young people across China.
2012 was an eventful year for CDB from a global perspective, as we continued to strengthen foreign partnerships and support Chinese investment and acquisitions overseas. CDB boasts excellent asset quality in its outstanding balance of USD 224.5 billion in foreign currency denominated loans as of the end of 2012. Total capital raised in 2012 reached nearly RMB 2.2 trillion, with over RMB 1.2 trillion in yuan-denominated bond issues and over USD 100 billion in foreign currency. Capital constraints were further loosened with RMB 20 billion in issues of subordinated debt instrument. This past year also saw the successful debut of CDB's "basket" of key-term maturity benchmark bonds; two issues of the 50-year long-dated bond raised RMB 51 billion; a total of RMB 6.0 billion in debt offering in Hong Kong. In 2013, CDB will continue to highlight the role of innovation and strategic planning in our development finance practices, focusing our support on urbanization and increasing our investment in infrastructure, industry, social initiatives, and cross-border collaboration.
Address : 18, Fuxingmennei Street, Xicheng District, Beijing, P.R.China-100031.
Website : www.cdb.com.cn, Phone number : 86-10-6830
6. Export-Import Bank of China -
Founded in 1994, the Export-Import Bank of China is a state bank solely owned by the Chinese government and under the direct leadership of the State Council. Its international credit ratings are the same as China's sovereign ratings. The Bank is headquartered in Beijing. Up to now, the Bank had more than 20 domestic business branches and three overseas representative offices, namely, the Representative Office for Southern and Eastern Africa, Paris Representative Office and St. Petersburg Representative Office. It has established correspondent banking relationship with more than 1,000 banks.
Mission
The Bank's main mandate is to facilitate the export and import of Chinese mechanical and electronic products, complete sets of equipment and new- and high-tech products, assist Chinese companies with comparative advantages in their offshore project contracting and outbound investment, and promote international economic cooperation and trade.
Business Scope
- Export credit and import credit;
- Loans for offshore contracts and overseas investment;
- Chinese Government Concessional Loan;
- International guarantee;
- Onlending loans from foreign governments and international financial institutions;
- International and domestic settlement and corporate deposits under the loan facilities provided by the Bank;
- Raising funds in domestic and international capital markets and money markets;
- International inter-bank loans, organizing or participating in international and domestic syndication loans;
- Renminbi inter-bank borrowing/lending and bond repurchases;
- Foreign exchange transaction and approved risk-protection foreign exchange (FX) business for client;
- Creditworthiness investigation, consultation, appraisal and witness services which are relevant to the Bank's business;
Other business approved or entrusted.
We look forward to establishing extensive contact and expanding cooperation with friends in financial, economic, and trade sectors both at home and abroad.
Address : 30, FuXingMenNei Street, XiCheng District, Beijing 100031, P.R.China.
Website : eximbank.gov.cn, Phone number : 86-10-8357-9988
7. Hua Xia Bank -
Hua Xia Bank started operation in Beijing in October 1992 when China ushered in the program of opening up and reform led by Chief Architect Deng Xiaoping. The Bank became a nationwide joint stock commercial bank after restructuring in March, 1995. In September 2003, Hua Xia Bank went public as the fifth of Chinese banks listed on the Shanghai Stock Exchange (Stock Ticker: 600015). In October 2005, Hua Xia Bank entered into an agreement with the international strategic investor, Deutsche Bank, and completed two rounds of private placement of new shares in October 2008 and April 2011 respectively.
As of end of June 2012, Hua Xia Bank has in place a "hub-and-spoke" network of 33 tier-1 branches, 23 tier-2 branches, 12 cross-city sub-branches and 437 outlets in 68 major cities, and a settlement network of more than 1000 correspondent banks located in 320 cities across 110 countries and regions covering major global trade zones. With total assets of RMB 1354.515 billion, Hua Xia Bank witnessed fast growth and gained impressive profitability with improving asset quality and optimized business structures. The operation efficiency as well as all lines of business is growing at a brisk pace. Hua Xia Bank ranked 97th by asset in 2012 according to The Banker's Top 1000 World Banks ranking published in July. In 2011, it ranked 306th among Top 500 Chinese Enterprises, 96th among Top 500 Chinese Service Enterprises and 67th among Top 200 Chinese Enterprise Performance.
Serving real economy remains a clear focus for Hua Xia Bank and can be evidenced by a range of efforts to forge a brand of "SME Financial Service Provider". In response to the national macro policy of economic development, Hua Xia Bank matches financial services with customers’ demand by supporting the projects of low-income housing construction and urban-rural integration. The Bank aims to be an active player in serving the local economy. More loans are offered to cultural companies and innovative services are provided to serve the "Agriculture, Rural Areas and Farmers", more outlets are set up in the villages and counties. In serving the micro and small enterprises (MSEs), Hua Xia Bank launched the "Dragon Boat Program" to provide "small, swift, smart" services. The availability and strength of local financial services to MSEs are supported by increasing number of special branches, as well as “Hua Xia Star" marketing campaign. Growth of MSE business in Hua Xia Bank remains higher than the Bank's average growth. Hua Xia Bank won the "2011 SME Support Award" in the Bank Competitiveness Ranking in Asia and was named "Best SME Finance Bank" in "2011 CBN Annual Financial Value Ranking".
Address : 22, Jianguomennei Street, Dongcheng District, Beijing, P.R.C, Postcode : 100005, China.
Website : www.hxb.com.cn, Phone number : 86-10-1955-77
8. Industrial and Commercial Bank of China -
In 2011, Industrial and Commercial Bank of China Limited ("ICBC") remained committed to serve the real economy during an extraordinarily difficult year. The Bank forged ahead business re-orientation and development advance by better aligning the diversified needs of financial services from customers. Through spreading effort on a global scale and integrated operation, ICBC stepped up its reform backed by robust corporate governance practices and risk management. ICBC was well- positioned to remain as the world's largest bank by market value, customer deposit.
Business Review
At the end of the year, ICBC had 408,859 employees under payroll. ICBC provided a wide range of financial products and services to 4.11 million corporate clients and 282 million individual customers through 16,648 outlets across China, 239 overseas subsidiaries and a global network of more than 1,669 correspondent banks as well as Internet Banking, Telephone Banking and Self-service Banking. ICBC established strong presence by its commercial banking operation and rapid expansion to markets worldwide. ICBC held the top slots in the country in many business areas of commercial banking. At the end of 2011, total assets reached RMB 15,476.868 billion, representing an increase of RMB 2,018.246 billion, or 15.0% over the end of previous year; Total liabilities reached RMB 14,519.045 billion at the end of 2011, up RMB 1,882.08 billion, or 14.9% from a year earlier. Having a 25.6% increase against previous year in net profit to RMB 208.445 billion in 2011, ICBC defended its position as the world’s most profitable bank. Return on average total assets and return on weighted average equity on par with the international standard, were at 1.44% and 23.44% respectively. Earnings per share rose RMB 0.12 from a year earlier to RMB 0.6. Ratio of non-performing loans fell to 0.94 percent, down 0.14 percentage points against previous year. Bad loan balance and ratio "both declined" in the twelve years in a row. ICBC scaled up its capital strength and sustainable development by securing capital adequacy ratio and core capital adequacy at 13.17% and 10.07% respectively.
Corporate Banking
In 2011, ICBC bolstered its business portfolio and advanced the transformation of Corporate Banking in line with the changes in the macro environment. One focus was to expand the customer base through different enhanced services targeting at different customers, especially services to key customers and small-and-medium business owners. In order to meet the demand of customers for diversified financial services, ICBC exerted concrete steps to increase synergy between commercial banking and investment banking through service innovation and all-product marketing. Asset management, account services, asset support services, intermediary finance services were financial asset services for large customers. Leveraging its global service network and integrated IT platform covering all ICBC branches at home and abroad, ICBC supported "go global" projects of Chinese enterprises. Global cash management, cross-border RMB services were some of the global services of ICBC to serve worldwide customers. ICBC has been named "Best Corporate Bank in China" by the UK Financial Times. At the end of 2011, the Bank had 4.11 million corporate customers，while 127,000 customers had loan balances with the Bank, or an increase of 25,000 customers over end of previous year. According to data from People's Bank of China, by end of 2011 ICBC ranked No. 1 among the domestic banks in terms of corporate loans and corporate deposits with market shares of 12.0% and 12.7% respectively.
Address : 55, Fu Xing Men Nei Street, Xicheng District, Post Code :100140, Beijing, P.R.C, China.
Website : www.icbc.com.cn, Phone number : 86-10-95588
9. Poeple's Bank of China -
The People's Bank of China (PBC) was established on December 1, 1948 based on the consolidation of the Huabei Bank, the Beihai Bank and the Xibei Farmer Bank. In September 1983, the State Council decided to have the PBC function as a central bank. The Law of the People's Republic of China on the People's Bank of China adopted on March 18, 1995 by the 3rd Plenum of the 8th National People's Congress has since legally confirmed the PBC's central bank status.
With the improvement of the socialist market economic system, the PBC, as a central bank, will play an even more important role in China's macroeconomic management. The amended Law of the Pople's Republic of China on the People's Bank of China, adopted by the 6th meeting of the Standing Committee of the 10th National People's Congress on December 27, 2003, provides that the PBC performs the following major functions :
(1) Drafting and enforcing relevant laws, rules and regulations that are related to fulfilling its functions;
(2) Formulating and implementing monetary policy in accordance with law;
(3) Issuing the Renminbi and administering its circulation;
(4) Regulating financial markets, including the inter-bank lending market, the inter-bank bond market, foreign exchange market and gold market;
(5) Preventing and mitigating systemic financial risks to safeguard financial stability;
(6) Maintaining the Renminbi exchange rate at adaptive and equilibrium level; Holding and managing the state foreign exchange and gold reserves;
(7) Managing the State treasury as fiscal agent;
(8) Making payment and settlement rules in collaboration with relevant departments and ensuring normal operation of the payment and settlement systems;
(9) Providing guidance to anti-money laundering work in the financial sector and monitoring money-laundering related suspicious fund movement;
(10) Developing statistics system for the financial industry and responsible for the consolidation of financial statistics as well as the conduct of economic analysis and forecast
(11) Administering credit reporting industry in China and promoting the building up of credit information system;
(12) Participating in international financial activities at the capacity of the central bank;
(13) Engaging in financial business operations in line with relevant rules;
(14) Performing other functions prescribed by the State Council.
Address : 32, Chengfang street, Xi Cheng district, PostCode : 100800, Beijing, China.
Website : www.pbc.gov.cn, Phone number : 86-10-6619-4114
10. Bank of Beijing -
Bank of Beijing was established in January 1996 and has developed as a listed bank with Sino-foreign strategic partnership. In the past 15 years, the Bank followed its mission to “credit value for clients, create return for shareholders, create future for staff and create wealth for society”. Relying on the booming domestic economy, the Bank has achieved several milestones, including introducing overseas strategic investors, public listing, setting up regional operation in Beijing, Tianjin, Shanghai, Xi’an, Shenzhen, Hangzhou, Changsha, Nanjing, Jinan and Nanchang. The Bank also initiated the establishment of Yanqing Village Bank, set up representative offices in Hong Kong and Amsterdam, and initiated Bank of Beijing Consumer Finance Company – the first consumer finance operation in China. Bank of Beijing has also established insurance joint venture BoB-ING Life Insurance, becoming the first small/medium-sized bank operating in that field.
As of the end of 2010, Bank of Beijing’s total assets balance, total deposits balance and total loans balance was 733.2 billion, 557.7 billion and 334.7 billion Yuan respectively. Net profit realized was 6.8 billion Yuan, with a year-on-year growth of 20.75%. NPL balance and ratio further declined to 2.32 billion Yuan and 0.69%. Provision coverage ratio, CAR and core CAR reached 307%, 12.62% and 10.51% respectively, all of which at high level. The Bank has achieved balanced sustainable development of both scale and structure as well as pace and quality. On the latest World Top1000 Banks list issued by “The Banker”, Bank of Beijing ranks No.145 in terms of tier1 capital; on the list of Asian banks competitiveness, the Bank ranks No.13, which is No.7 in China; on the aspect of brand value, the Bank holds No.9 in China’s banking sector. With the outstanding performance and excellent products and services, Bank of Beijing is highly appraised by the public. The Bank received several honors such as “Best regional bank”, “Best Chinese city commercial retail bank”, “2009 Top10 listed Asian banks”, “Top100 Chinese listed companies”, “Outstanding Chinese companies for social responsibility”, “Listed companies with most sustainable investment value” and “National civilized units” etc.
Website : www.bankofbeijing.com.cn, Phone number : 86-10-95526
11. China Merchants Bank -
Established in 1987 in Shenzhen, the forefront of China’s reform and opening-up drive, China Merchants Bank ("CMB") is China’s first joint-stock commercial bank and also the first bank to attend the national experiment for the promotion of China’s banking industry reform driven by endeavors from outside the government.
Since its inception 24 years ago, CMB has grown with China’s economic progress from a small bank with a capital of 100 million yuan, one branch and over thirty employees into a nationwide joint-stock commercial bank that has a total net capital of 140 billion yuan, a total asset of 2.6 trillion yuan, over 800 branches and over 50,000 employees, ranking it among the world’s top 100 banks. CMB has developed into the most influential commercial bank brand in China thanks to continuous financial innovation, quality customer service, prudent management and strong business performance. For many consecutive years, CMB has been ranked among China’s top commercial banks according to comprehensive assessment by CBRC. The bank has won a number of titles, including the Best Commercial Bank of China, the Best Retail Bank in China, the Best Private Bank in China, China’s Best Custody Specialist from the British Financial Times, Euromoney and The Asset. The Bank was shortlisted as a World-Class Chinese Brand and ranked No. 1 in the P/B list of the world’s top 50 banks with the largest market value by the British Financial Times. It was also listed No.60 among the world's Top 1,000 Banks by The Banker.
From January to September 2011, CMB has obtained a net profit attributable to shareholders of 28.388 billion yuan, a 37.91% year-on-year increase; an operating income of 70.29 billion yuan; a net interest income of 55.624 billion yuan, a 36.1% year-on-year increase thanks to the increased interest earning assets and a steadily rising net interest spread and net interest margin. Currently, CMB has 82 branches and 763 sub-branches in 96 cities, 2 branch-level specialized agencies (the Credit Card Center and the Small Enterprise Credit Center), 1 rep-office, 1,917 self-service banks and 1 wholly-owned subsidiary (CMB Financial Leasing Co., Ltd) in mainland China. For overseas market, CMB has 2 wholly-owned subsidiaries — Wing Lung Bank Ltd. and CMB International Capital Corporation Limited and 1 branch (Hong Kong Branch) in Hong Kong, a branch and a rep-office in New York, and two rep-offices in Taipei and London. CMB has led China’s banking industry by creating a synergy of "Profit, Quality, Scale" and a structure of core values including "Service, Innovation and Stability". With respect to corporate governance, CMB separates ownership from management and is one of China’s banks that have established a modern corporate governance structure with clear division of work and mutual balance and supervision between the board of directors, the board of supervisors and the management team. In terms of HR management, CMB was the first to abolish the "three-guarantee mechanism" (guaranteed job, guaranteed position and guaranteed salary) and adopt a flexible system, under which employees can be dismissed, managers can be promoted or demoted, and remuneration can be flexibly adjusted. CMB has established China’s first bank-wide IT platform and first telephone bank and became the first to offer nationwide deposit and withdrawal, and real-time fund transfer services.
CMB has launched a large number of innovative products that are highly competitive. The All-in-One Card is the first bank card managed based on customer numbers. CMB has issued 5,988 All-in-One Cards, with an average deposit of over RMB9,800, making it one of the most popular bank cards in China. All-in-One Net is China’s first online banking platform. The improving online and telephone banking services significantly reduce the workload of business outlets. In H1 2011, 47.85% of the general over-counter services and 85.38% of the retailer banking services were completed online or by telephone. Over 4 million users have subscribed for the CMB mobile banking services by the end of November 2011, which has formed iPhone, Android and web-version mobile banking platforms with an aim to cover all mid-to-high-end smart phone users. CMB issued the first dual-currency credit card compliant with international standard and 36 million such cards have been issued to date. This issuance is even included in the MBA case studies of HarvardUniversity. The Sunflower Finance, China’s first financing product for high-end customers, is very popular, providing services to 750,000 customers. CMB is also the first Chinese joint-stock commercial bank that provides private banking services, earning it the title ‘Best Private Bank of China’. Its interbank cash management service was the first of its kind in China’s banking industry, making it the preferred choice for large enterprise groups in terms of fund management. CMB also leads the pack of joint-stock commercial banks in terms of personal savings deposits, personal consumer lending, asset custody, corporate annuity, offshore financial business and more. Its risk management is highly praised in the industry for maintaining high-quality assets. By the end of September 2011, CMB’s non-performing loan ratio was 0.61% and the non-performing loan reserve coverage ratio was 370.97%.
In the new century, under the leadership of Dr. Ma Weihua, President and CEO of CMB, CMB has ridden the boom in IT construction and world economy, formulated and implemented scientific development strategies after weathering liquidity risks including the ban of offshore asset business, bank run at certain branch and risks arising from non-performing assets as a result of rapid expansion. Firstly, given that all banks were initially at the same level in terms of internet-related businesses, CMB aggressively developed electronic banking channels, including online, telephone and self-service banking services, which offset the disadvantage of inadequate banking network and won a large number of high-value customers. Secondly, CMB was listed in Shanghai and Hong Kong in 2002 and 2006 respectively, which fed the capital needed for its rapid development and also promoted the revolution of its internal management procedures as part of its strategy to expand internationally. With the support from the Chinese government and through hard work, it established a branch in New York despite the deepening financial crisis, breaking the 17-year denial of Chinese banks to the US market. The CMB New York Branch was likened to a "breeze in the winter of the Wall Street" by Mr. Bloomberg, the then Mayor of New York City. In the same year, CMB acquired Wing Lung Bank, the fourth largest bank in Hong Kong with a history of 75 years for more than HKD30 billion. Now the renovated bank is beginning to perform well and the takeover was described by the British Financial Times as "a case that cannot be copied".
In 2004, CMB spearheaded the industry’s business strategy transformation. By stepping up efforts to offer retail, fee-based and SME services, CMB has developed a distinctive business structure and style. CMB is entering a new stage of strategic development. With the aim of adapting to changes in internal and external business environments and continuing to strengthen its competitive edges, CMB will, while stepping up efforts to revamp business strategies, implement the Second Transformation strategy aimed at reducing capital consumption, raising loan pricing, controlling financial costs, winning more higher-value customers, and enhancing its risk control. These efforts will be focused transforming the business model into a full-featured one as part of its drive for intensive management. "We are here just for you." We will seek to improve and expand our lineup of financial services for our customers and for society and become China’s leading bank that is internationally competitive.
Address : 7088, Shennan Boulevard, Shenzhen, Guangdong 518040, China.
Website : http://english.cmbchina.com, Phone number : 86-10-95555
Chile
1. Banco Central de Chile -
The Central Bank of Chile was created by decree law No. 486, 22 August 1925, under the government of President Arturo Alessandri Palma. This initiative arose as one of four projects presented that year by the Kemmerer mission. That mission, which was hired by the government of the time to restructure Chile’s monetary and financial system, was headed by Edwin Walter Kemmerer, professor of economics at the University of Princeton. The projects included the monetary law, which sought to stabilize the value of Chile’s currency and the gold standard as the basis of the country’s monetary unit, the creation of the Central Bank of Chile, the passing of the general banking law and the general budget law. The same dispositions established in decree law No. 486 authorized the creation of an organizing commission for the Central Bank of Chile, whose express purpose was to develop the institutions necessary to ensure the functioning and management of this body, and bring it into being. Thus, the Central Bank of Chile opened its doors to the public on Monday, 11 January 1926.
The institution began activities with a nominal capital of 150 million pesos, of which about 13% was contributed by the State, 40% by Chilean and foreign commercial banks operating in Chile and the remaining 47% by the public, through a share subscription. Ten people made up the new institution’s board of directors. The President of the Republic had the right to name three, Chilean commercial banks two, foreign banks one, representative associations three, and the shareholding public one. This same board was empowered to appoint the governor and vice-governor of the Bank, with the first officers being Ismael Tocornal Tocornal and Francisco Garcés Gana, respectively. One fundamental aspect implicit in the functioning of the Central Bank of Chile, which resulted from how the board of directors had been constituted, was its ability to function autonomously and independently. From the legal point of view, this meant providing the institution with its own legal status, independent of the Government.
Despite this, the Central Bank of Chile remained subject to the general supervision of the Superintendent of Banks, created by the General Banking Law (Ley General de Bancos), whose original text was approved by decree law No. 559, 26 September 1925. In this context, the objectives of the Central Bank of Chile were essentially of a monetary nature. In the first place, the Bank was to watch over the stability of the value of Chile’s currency under a fully convertible gold standard regime and, in the second place, it was to regulate currency according to the needs of the monetary market, for which the basic constitutional law assigned the Central Bank a monopoly on issuing bank notes.
Finally, the law required that the Central Bank permanently hold a gold reserve equivalent to no less than 50% of total emission. If it were to fall below this limit, it would have to pay a fine to the state proportional to the deficit.
Address: Agustinas 1180, Santiago, Chile.
Website : www.bcentral.cl, Phone number : 56-2-670-2000
2. Banco de Chile -
Our mission
We are a leader corporation with a prestigious business tradition. Our porpoise is to provide financial services of excellence with creative and effective solutions for each client segment in order to ensuring permanent value growth for our shareholders.
Our values
The hallmark of our way of doing things is the excellence and value creation for both shareholders and customers of the Corporation. For this, the Bank continuously incorporates best practices and best industry standards, promoting, developing and recognizing the high performance in their employees and work teams . People's at Banco de Chile stands out by their pride in belonging to the institution and compliance with the following values, attitudes and behaviors:
- Compromise
- Service attitude
- Flexibility
- Team work
Address : Ahumada 251, Santiago,Región Metropolitana, Chile
Website : www.bancochile.cl, Phone : 56-2-637-1111
3. Banco del Estado de Chile -
Banco del Estado de Chile or just Banco del Estado is the National Bank of Chile, created by decree on 1953. The bank operates also using the short name BancoEstado. It provides financial services to companies and consumers, with a focus on national coverage in terms of geography and social sectors, and a particular emphasis on the underbanked and small and medium enterprises but serving all sorts of companies. In addition, it performs all financial activities for the State of Chile.
Chilean state-run bank BancoEstado serves the banking needs of all major market segments: large corporate, middle market and retail clients and government entities. The bank offers a broad range of personal banking products and services, including consumer, mortgage, student and micro finance lending; insurance; credit and debit cards; bill payment services; and mutual funds. Its line of corporate banking products ranges from lending, treasury services and trade finance to payments. Government products include liability management, treasury services, and payments (payroll and pensions). It is also a market leader in savings accounts and micro lending. The bank, through its subsidiaries, provides an array of additional financial services: securities brokerage, insurance brokerage, asset management, microenterprise financial services, factoring financing, leasing, and real estate leasing.
Contact : Av. Libertador Bernardo O'Higgins #1111, Santiago, Región Metropolitana, Chile.
Website : www.bancoestado.cl, Phone number : 56-2-670-7000
4. Banco Penta -
Banco Penta is Chile’s first and only bank specialized in investments and savings. Its goal is to provide all-encompassing solutions to fulfill customer cash management needs through thousands of products and world-class consulting services. At Banco Penta you will receive the devoted attention of a highly trained investment executive, who will give you access to the level of analysis, information and knowledge generally reserved to institutional investors only. For all these reasons, we invite you to manage your investments the way you deserve: by keeping your checking account in your current bank, but opening an investment account with Banco Penta.
Unlisted private Chilean company Banco Penta specializes in savings and investment services. The bank, which operates as a subsidiary of financial group PENTA, offers products and services in the areas of asset management, checking accounts, mutual funds, international investment, and foreign currency operations. At the end of fiscal year 2008, Banco Penta posted total revenues of around 12.9bn Chilean pesos.
Address : Av. El Bosque #0440, Las Condes, Santiago,Región Metropolitana, Chile.
Website : www.bancopenta.cl, Phone number : 56-2-873-3000
5. Banco de Crédito e Inversiones -
Banco de Crédito e Inversiones (BCI) is a Chilean bank specializing in savings & deposits, securities brokerage, asset management and insurance. BCI was the Latin American partner for Bear Stearns. BCI was formed by the Yarur family. The Bank was founded in 1937 by John Yarur Lolas and a group of entrepreneurs, in order to support small and medium enterprises in Chile. In 1991, the same day of payment, then President George Yarur Banna died, just as he announced the news to employees of the company. BCI is a member of the International Confederation of Popular Banks (CIBP), international organization based in Brussels that brings together cooperative banks worldwide.
In 2013 BCI purchased Miami, Florida based City National Bank of Florida for $882 million from Spanish lender Bankia. City National has 26 branches in South Florida and Orlando.
Chile's fourth largest bank Banco de Crédito e Inversiones (BCI) offers a wide range of banking and other financial services to individuals and businesses alike. The company operates through three segments: retail banking, commercial banking, and investment banking. BCI's retail products comprise checking accounts, savings accounts, and sight accounts; consumer and mortgage loans, credit cards, and financing services; investment and insurance products; and products for entrepreneurs and SMEs. It also provides corporate banking products and services, including short and long-term financing, money desk products, business credit cards, foreign trade services, payment and collection services, and financing for working capital (credit lines) and fixed asset investments (investment and mortgage loans), to industrial and public sectors, government agencies, and corporations. The bank's investment banking products and services include time deposits, mutual funds, and spot transactions and futures. BCI's banking units focus on consumer lending (BCI Nova) and e-banking (TBanc). It also owns non-banking subsidiaries that engage in factoring, stock and insurance brokerage, asset management, securitization, debt recovery and collection, financial consultancy, and information services. BCI was founded in 1937 and is headquartered in Santiago, Chile.
Address : Av. El Golf 125, piso 17, Las Condes, Santiago, Región Metropolitana, Chile.
Website : www.bci.cl, Phone number : 56-2-692-7000
6. Corp Banca -
Chilean bank CorpBanca offers a wide range of commercial and retail banking services to its customers. It also provides financial advisory services, mutual fund management, insurance brokerage and securities brokerage services through its subsidiaries. Its banking products and services include a variety of bank accounts (checking, savings, money market and foreign currency accounts), investment products (time deposits, securities, securities custody services), financing solutions (mortgage loans, consumer loans, loans to finance working capital), and credit cards. CorpBanca also offers internet banking and a range of online services, including up-to-date information on balances in deposit, checking, credit card and other accounts and transactions. CorpBanca is controlled by local businessman Álvaro Saieh's financial services group Corp Group.
Address : Rosario Norte 660, Las Condes, Santiago, Región Metropolitana, Chile.
Website : www.corpbanca.cl, Phone number : 56-2-687-8000
7. HSBC Bank Chile -
The HSBC Group has had a presence in Chile since 1981. By 1985 it had three branches, two in Santiago and one in Valparaíso. In 1993 HSBC sold its operations to Banco O'Higgins, which was owned by the Luksic Group. In 1997 a merger between Banco O'Higgins and Banco de Santiago created Banco Santiago, one of the largest local banks in Chile and one in which HSBC continues to have a 7% shareholding. The acquisition of the former Republic National Bank of New York returned HSBC to Chile through two full service branches of HSBC Bank USA, in addition to a domestic factoring business.
Address : Vitacura 2872, Las Condes, Santiago, Chile.
Website : www.hsbc.cl, Phone number : 56-2-380-8600
8. Santander Chile -
Banco Santander-Chile is the second largest bank in Chile by loans and deposits.The bank has 504 branches network. It is a division of Grupo Santander. The bank main competitors is Banco de Chile, Corpbanca and Itáu Chile.
It provides a range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a variety of commercial transactions, trade, foreign currency forward contracts and credit lines, and a variety of retail banking services, including mortgage financing. In addition to its traditional banking operations, the Bank offers a variety of financial services, including financial leasing, financial advisory services, mutual fund management, securities brokerage, insurance brokerage and investment management. The Bank's clients are divided into three segments: Retail, Middle-Market, and Global Banking and Markets.
Chile's largest bank Santander Chile provides a broad range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a variety of commercial transactions, trade, foreign currency forward contracts and credit lines, as well as mortgage financing. Other business banking products and services include checking accounts, investment accounts, credit cards, office banking, payroll and payment solutions, and B2B portals. Santander Chile also offers a full line of personal banking products, such as checking accounts, savings accounts, investment accounts, credit cards, and debit cards. In addition to its traditional banking operations, the company provides an array of financial services including financial leasing, financial advisory services, mutual fund management, securities brokerage, insurance brokerage and investment management.
Address : Bandera 140, Santiago, Región Metropolitana, Chile.
Website : www.santander.cl, Phone number :56-2-320-2000
9. Scotiabank Chile -
Scotiabank Sud Americano (Scotiabank Chile), the Chilean unit of Canada's Scotiabank, is the country's seventh largest bank. Its operations are channeled through three business divisions: SME and retail banking, commercial banking, and personal banking. Scotiabank Chile's commercial banking segment offers funding for working capital, foreign trade loans, leasing, factoring, structured finance (including syndicated loans and project finance), mutual funds, savings accounts, checking accounts, time deposits, treasury products, and non-credit products and services such as payroll payment solutions, collection services, and insurance. The bank also offers a comprehensive range of products for personal customers, including overdraft lines of credit, mortgages, consumer loans, savings products, and foreign exchange services. The bank provides mutual fund management, insurance brokerage, securities brokerage, and financial advisory services through its subsidiaries.
Address : Morandé # 226, Santiago, Región Metropolitana, Chile.
Website : www.scotiabank.cl, Phone number : 56-2-692-6526
Cambodia
1. Acleda Bank -
ACLEDA Bank, the bank you can trust, the bank for the people, is the Cambodia's leading commercial bank for all sectors and have provided best financial products and services such as loans, deposits, funds transfers, cash management, trade finance, securities service, and electronic banking service, to meet the needs of our smart customers in all segments of the community for more than 21 years. ACLEDA Bank has 238 branches and offices throughout Cambodia, 34 branches and offices in Laos, and one office in Myanmar, with the total assets of over US$2 billion by the end of August 2013. It also has four Subsidiaries such as: ACLEDA Bank Lao Ltd., ACLEDA Securities Plc., ACLEDA Training Center Ltd., and ACLEDA MFI Myanmar Co., Ltd. and strategically ACLEDA Bank is going to expand its operation in the ASEAN region and all potential countries along the Mekong River.
Address : 61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Cambodia.
Website : www.acledabank.com.kh, Phone number : 855-23-998-777
2. ANZ Royal Bank -
ANZ Royal has revolutionised the Cambodian financial market since opening in September 2005. The bank is a joint venture between Australia and New Zealand Banking Group Limited (ANZ), one of the largest banks in the world, and the Royal Group of Companies (RGC), one of Cambodia’s largest. ANZ holds 55% of ANZ Royal; the remaining 45% is owned by RGC. ANZ Royal was the first bank to offer a national network of ATMs as well as Internet Banking, providing a wide range of functionalities to support our philosophy of ‘making life easy’. In 2007, ANZ Royal Bank was awarded the Financial Insights Innovation Award by Financial Insights Asia Pacific based in Singapore, following the award given by the London publication “The Banker” as the Cambodian Bank of the Year in 2006.
Our Services
Outlined below are the various banking products and services for both personal and business customers that we offer, including:
Retail Banking Services
-Transaction products.
- Savings products.
- Fixed-term investment products.
- Borrowing products (credit cards, home loans).
- Foreign currency accounts.
- Money transfers.
- Bill Payment through ATMs.
- Premier accounts.
Corporate & Institutional Banking
- Business cheque account.
- Cash management account.
- Foreign currency account.
- Term deposits.
- Overdrafts.
- Payroll services.
- Bank guarantees.
Address : 20, Kramuon Sar, Street 67, Phnom Penh, Cambodia.
Website : www.anzroyal.com, Phone number : 855-23-999-000
3. Cambodia Asia Bank -
Mission Statement
The Cambodia Asia Bank will remain a strong and stable commercial bank. Through a professional, friendly, courteous and knowledgeable staff, we will provide products and services needed by our market in a profitable and people oriented manner. We will aggressively pursue and provide services for business and consumer market segments within our entire trade area.
Our Vision
CAB Bank's aim is to be an established bank conductive for nation building to secure the future of the people of Cambodia by providing commercial banking facilities at competitive rates and mobilize saving to fund the economic growth of Cambodia.
Our History
Cambodia Asia Bank opened on the 29th April 1992 and started its operation on the 23rd February 1993. Since 22 December 2000, CAB Bank has been granted a new license by National Bank of Cambodia to operate as a full commercial bank. The license is to enable CAB Bank . to launch money new financial services including cash management and trade finance to full fill the need of its existing and perspective customer. It has employed a world class banking Technology to bring transaction to live and has the largest branch network in Cambodia that give customer a convenient access to any service and product of the bank. The Bank remains loyal to that same commitment made in December 2000 to provide the best financial services available by looking forward-reaching higher with banking-in touch with you and focus on you.
Address : 439, Monivong Blvd., Phnom Penh, Cambodia.
Website : www.cab.com.kh, Phone number : 855-23-220-000
4. Cambodia Commercial Bank -
Cambodian Commercial Bank (CCB) was established in Cambodia on July 01, 1991 under Registration No. Co-425/98E and located at No. 26, Monivong Blvd, Phnom Penh, Kingdom of Cambodia, commenced the operation on the same date. The Bank is a wholly owned subsidiary of Siam Commercial Bank PCL, incorporated in Thailand.
The principal activities of the Bank comprise the professional operations of core banking business and the provision of related financial services through its Head Office (Phnom Penh) and three branches (Battambang Branch, Siem Reap Branch, and Sihanouk Ville Branch ) in Cambodia.
Address : 26, Monivong Blvd, Sangkat Phsar Thmei II, Khan Daun Penh, Phnom Penh, Cambodia.
Website : www.ccb.com.kh, Phone number : 855-23-426-145
5. Canadia Bank -
Canadia Bank Plc. was established on 11th November 1991 as “Canadia Gold & Trust Corporation Ltd.”, joint-venture between Cambodian - Canadians and the National Bank of Cambodia (Central Bank of Cambodia). The bank’s management consisted of former staff of the National Bank of Cambodia and its Cambodian – Canadian shareholders. The main activities were based on gold transactions, gold plaque manufacturing and lending to local merchants. On 19th April 1993 the name was changed into CANADIA BANK LTD., licensed as a Commercial Bank with the National Bank of Cambodia and registered with the Ministry of Commerce. On 16th December 2003 the name of the bank changed into Canadia Bank Plc. Since privatization in 1998 the Bank has become the largest local bank in Cambodia. With a worldwide network of correspondent banking relationships and a solid base of local and international customers CANADIA BANK PLC holds commanding market shares in loans as well as deposits. The bank offers a wide range of financial services through its Head Office and its 49 branches in Phnom Penh and major cities throughout the country.
Address : 315, Ang Doung St. Corner Monivong Blvd, Phnom Penh, Cambodia.
Website : www.canadiabank.com.kh, Phone number : 855-23-868-222
6. National Bank of Cambodia -
The National Bank of Cambodia shall have the following functions and duties:
1. To determine monetary policy objectives, in consultation with the Royal Government and consideration of the framework of the economic and financial policy of the Kingdom;
2. To formulate, implement and monitor monetary and exchange policies aimed at the determined objectives;
3. To conduct regular economic and monetary analysis, make public the results, and submit proposals and measures to the Royal Government;
4. To license, delicense, regulate and supervise banks and financial institutions and other relevant establishments such as auditors and liquidators;
5. To oversee payments systems in the Kingdom, and to enhance interbank payments;
6. To act as the sole issuer of national currency of the Kingdom ;
7. To undertake and perform, in the name of the Kingdom, transactions resulting from the participation of the Kingdom in public international institutions in the banking, credit, and monetary spheres ;
8. To establish the balance of payments ;
Address: #22-24 Norodom Blvd, Phnom Penh, Cambodia.
Website : www.nbc.org.kh, Phone number : 855-23-722 563
7. Phnom Penh Commercial Bank -
Vision
The bank that create a bright future for Cambodia through advanced finance and reliability.
Core Goals
To become one of the top five banks in Cambodia.
Motto
1. Realize the highest standards of customers satisfaction
2. Improve brand value
3. Maximize efficiency
Address : 767-769, Monivong Blvd., Beoung Trabek, Chamkarmon, Phnom Penh, Cambodia.
Website : www.ppcb.com.kh, Phone number : 855-23-999-500
8. Vattanac Bank -
Corporate Mission
To be recognized as the Bank with international standards committed to providing honest, efficient and courteous customer service, generating sustainable growth and upholding transparency and accountability to our stakeholders.
Corporate Objectives
- To achieve a high level of customer satisfaction by providing honest, courteous, and efficient service;
- To offer innovative products with excellent service delivery to meet customer’s needs;
- To uphold the Bank’s image as a highly responsible corporate citizen;
- To create a competent and dedicated workforce through job enrichment programs;
- To ensure high profitability through sustainable growth; and
- To ensure accountability and transparency at all levels while building trust and confidence
Corporate Values
- We lead by example.
- We progress together.
- We respect each individual regardless of race, culture and religion.
- We pursue business opportunities.
- We are open and honest in our communication.
- We are committed.
- We act with integrity.
Corporate Conduct
- Awareness
- Responsibility and accountability
- Enthusiasm and Positive attitude
- Developing talents
- Feedback and Learning
- Building relationships
- Professionalism
- Delivering excellent service
- Technical knowledge
Address : 89, Preah Norodom Blvd. Phnom Penh, Cambodia.
Website : www.vattanacbank.com, Phone number : 855-23-212-727
Colombia
1. Banco AV Villas -
Banco Comercial AV Villas SA (Banco AV Villas) is a Colombia-based financial institution primarily engaged in the commercial banking sector. The Bank?s products and services include saving and current accounts, consumer and commercial loans, mortgages, debit and credit cards, financial assessment and other banking operations to businesses and individuals. The Bank also offers Internet and mobile telephone banking services. As of December 31, 2011, the Bank operated a network of over 200 branches located nationwide. In addition, the Bank held minor stakes in such companies as A Toda Hora SA (ATH), ACH Colombia SA, Titulizadora Colombiana SA, Multiactivos SA and Divisas de Colombia SA, among others.
Address : P-24, CR 13 26 A 47 , Bogota, Colombia.
Website : www.avvillas.com.co, Phone number : 57-336-3199
2. Banco Caja Social BCSC -
Banco Caja Social de Colombia offers banking and financial services. The company was founded in 1911 and is based in Bogota, Colombia. Banco Caja Social de Colombia operates as a subsidiary of Fundación Social group.
Address : Carrera 7 #77-65, Piso 11, Bogota, Colombia.
Website : www.bancocajasocial.com, Phone number : 57-307-7060
3. Banco de Bogotá -
Banco de Bogota is a commercial bank with 263 branches in Colombia. The Bank lends primarily to business clients but also to individual consumers, although it is not a mortgage lender. Subsidiaries are active in leasing and pension funds in Colombia and banking in Panama, the Bahamas, Miami and New York. We are Colombia´s pioneer provider of financial services at home and abroad. We offer integral solutions through our subsidiaries in Colombia :
- Almaviva, for logistics operations
- Leasing Bogota, for administration and advice in handling assets and funds
- Fiduciaria Bogota, for consumer finance
- Valores Bogota, for securities trading.
We also have Agencies in New York and Miami, and two subsidiary banks, in Panama and the Bahamas. Our service model has enabled us to attend to the needs of over two million clients. With 138 years of operating experience, constant internal renewals and modernisation, training and commitment from our staff, Banco de Bogota is a modern and dynamic organisation, a leader in the financial market in Colombia, always contributing to the economic, social and cultural development of this country. Our offer of service outside Colombia is equally attractive. We deliver the best solutions for international corporate banking and Premium personal banking in Colombia, with an exclusive promise of value in services, and a sound and efficient administration.
One of our central characteristics is a philosophy of continuous improvement among our 9,000-plus staff, our processes and activities in our business. This means that the advantages and benefits we offer match what our clients need and value more closely every day. As a result, we offer them services through an exclusive model, in the following segments :
- Personal
- Premium
- SME
- Microfinance
- Official
- Social
- Corporate
- Business
- Institutional
We are part of AVAL, Colombia´s largest financial group. We have 734 service points in over 180 towns and cities, and more than 2,000 ATMs in the ATG network. All this, and the strong spirit of enterprise that we have shown throughout our long history, make us a Bank which is always on the go, committed, proactive and inventive – a Better Bank.
Address : Banco de Bogota SA, Calle 36 #7-47, Bogota, Colombia.
Website : www.bancodebogota.com, Phone number : 57-382-0000
4. Banco de la República de Colombia -
It is the Banco de la República’s responsibility to administer the country’s international reserves, including management, investment, safekeeping and disposal of reserve assets. Investment takes place principally by following the criteria of security and liquidity with the aim of facilitating national payments abroad. The Bank, first of all, looks for security and stability in its investment and endeavours to keep liquid reserves in order to ensure timely payments to other countries. International reserves are internationally accepted means of payment generated by, amongst others: i) The difference between income stemming from exports or sales abroad and expenditures relating to imports or purchases carried out in the rest of the world; ii) The difference between income proceeding from foreign loans or investment and expenditures in capital payments, interest and retention of profits; and iii) The difference between deposits remitted by Colombians residing abroad and those remitted to them. The purpose of international reserves is to enable the Government and private individuals and businesses to make payments abroad. International reserves consist of freely convertible currencies, that is currencies that can legally be exchanged for other widely accepted currencies in the international market, either for gold or for Special Deposit Rights (SDR’s).
Address : Cra 7 # 14-78 Piso 7, Colombia.
Website : www.banrep.gov.co, Phone number : 57-741-3300
Costa Rica
1. Banco Central de Costa Rica -
Banco Central de Costa Rica is the central bank of Costa Rica. It is recognized by the Costa Rican society and the international community for its efficiency, transparency and credibility in keeping inflation low and stable. In pursuit of its mission, and to maintain the economy’s internal and external balance, the goals and operating objectives of the Central Bank of Costa Rica are as follows :
- Maintain internal stability of the national currency, seeking to turn the full employment of productive resources.
- Maintain external stability of the national currency and ensure their free conversion to other currencies.
- Promote a stable system of financial intermediation, efficient and competitive.
Similar to other Central Banks in the world, the functions of Central Bank of Costa Rica include providing banking services to the Government of Costa Rica and financial institutions, issuing the domestic currency, regulating commercial banks and other financial institutions, providing economic advice to the Government, conducting research and publishing information on monetary and other economic developments. Only notes and coins issued by the Central Bank shall be legal tender in Costa Rica. State-owned and autonomous institution Banco Central de Costa Rica is part of Costa Rica's national banking system. It was established by law No.1130 of January 1950. The financial entity conducts various tasks, including ensuring the adequate development of the Costa Rican economy, monitoring the correct use of the country's international monetary reserves, and promoting the efficiency of its internal and external payment system. In addition, Banco Central de Costa Rica is responsible for issuing paper money and coins, as well as setting general policies governing the national financing system's loans, supervision and coordination.
Address : Av. Central y Primera, Calles 2y4, San José, Costa Rica.
Website : www.bccr.fi.cr, Phone number : 506-2243-3333
2. Banco de Costa Rica -
Because at BCR we are aware that for business which involves risk, safety is essential, so we base our decision making and management policies on it. In addition to government support, BCR core policy is based on keeping higher provisions and reserves than minimum ones established by the Superintendencia General de Entidades Financieras (SUGEF), while continue strengthening its basic equity, main component of safety for our clients.State-owned Banco de Costa Rica (BCR), the country's second largest bank, offers a range of banking products and services to individuals and companies, including SMEs. The bank forms part of financial conglomerate Conglomerado Financiero Banco de Costa Rica, the country's second largest. The group also owns a pension fund manager, an investment management firm, a stockbrokerage and Panama-based bank BICSA, which focuses on trade finance and wholesale banking. BCR was founded in 1877 and is headquartered in San Jose, Costa Rica.
Mission
Drive Costa Rica social development, competitiveness and sustainability by offering customers a public financing conglomerate with innovative and excellent services.
Vision
Becoming the first alternative in Costa Rica for offering world-class quality standards, innovation and efficient financial services.
Address : Oficinas Centrales, 2ª piso, Calles 4-6, Avenidas 0-2, Merced Central, San José,San José, Costa Rica.
Website : www.bancobcr.com, Phone number : 506-2284-6600
3. Banco Credito Agrìcola de Catargo -
You have probably come across the need to find a swift code (or BIC code) because you were asked for it by your web banking, while trying to wire money to a different bank than yours. This is because almost all banks in the world are members of the swift network that is responsible for money transfers and messages between financial (and even non-financial) institutions, and this system requires the use of these codes. A swift code is a unique identifier for every institution's branch in the world. This code is absolutely vital for transferring money securely from one institution to another and our site is a specialized search engine on these codes and the institutions that carry them.
These codes are known as SWIFT codes due to the organization that first introduced them (S.W.I.F.T. - Society for Worldwide Interbank Financial Telecommunication) but were later standardized as B.I.C. (Business Identifier Codes). A swift code can be formed of either 8 or 11 characters. Generally speaking, most of the times, you will only need the eight characters swift code, that is consisted of 3 parts: the identifier of the institution (4 characters), the identifier of the country (2 characters), and the identifier of the location (2 characters). In some cases however, if your bank processes payments through a specific branch you will need the eleven digit code which includes the branch identifier as well. An example code would be BARCGB22XXX which is the unique identifier for the main offices of BARCLAYS BANK PLC based in London, UK.
When you browse the swift code database on this website, not only will you be able to locate the bic code of the institution in question, but you will also be able to find out a plethora of other information related to it. This includes the institution's location as well as every branch's physical address. In addition to this you will be able to find out both the country and city of origin. We believe that www.swift-code.org is an absolutely vital tool when you are receiving or sending money, or simply wish to find out a bit more about how swift codes operate.
Address : Avda. 2y Calle 3y5, Cartago, Costa Rica.
Website : www.bancreditocr.com, Phone number : 506-2550-5005
4. Banco Cuscatlan -
Banco Cuscatlan in your workplace
Banco Cuscatlan at Work is a program for the country 's leading companies and their employees , promoting a comprehensive solution of financial products and services at preferential conditions in the workplace.
Payroll Account
The account in which receive your pay and you will have your money by cash withdrawals at ATMs and retail purchases using your Visa Debit Card Checkbook .
Savings Account
Save your money safely and get an interest in your deposits .
Current Account
You run your funds without carrying cash through a checkbook.
Future Account
Term programmed savings account with competitive interest rate according to the amount and the agreed term .
Personal Loans
Personal loans with voluntary payment for your projects .
Credit Cards
A range of credit cards according to your great need. Choose from our Loyalty programs : MultiPremios , Cash Back and frequent flyer , and enjoy the benefits of your Citi credit card .
Checking Visa Debit Card
Single market debit card which Multipremios or LifeMiles accumulate miles for your purchases and you benefit from all Citi card promotions . Locally and internationally accepted.
Website : www.bancocuscatlan.com, Phone number : 506-257-6363
5. Banco Cathay -
Banco Cathay was founded 15 years ago to break paradigms and demonstrate that business and trade development between Costa Rica and Asian countries i more than just a dream. We were founded thanks to the vision of our investors and today we are a strong, solid, emblematic bank that has coined the phrase “Fast and Well Done” for our work philosophy. It has formed alliances with small and medium Costa Rican companies to which we offer products that cover all of their financial needs. We are the only private bank in all of Central America that is a correspondent bank to the Bank of China and with the China Development Bank, providing unequaled facilities with those banks for our customers to do business in the Peoples Republic of China.
Fifteen years after we were founded, Banco Cathay continues to be the only bank in Costa Rica with close connections with the oriental population living in the country, thanks to our personnel at all of our branches, who are highly fluent in the language and the culture. We have tripled our size in the last three years and today we have a team of more than 170 employees, with eight branches and assets exceeding US$170 million. In 2013 we honor the trust our customers place in us and celebrate that we are still growing on our 15th anniversary.
Address : San Pedro de Montes de Oca, Costa Rica.
Website : www.cathaybank.com, Phone number : 506-290-2233
6. Banco San Jose -
Banco BAC San José S.A., Costa Rica’s largest private bank, will get a loan of as much as $40 million from the Inter-American Development Bank (IDB) to expand mortgage financing and lending to small and medium-sized enterprises (SMEs). The IDB loan will provide Banco BAC with longer term financing that will allow the bank to offer mortgages to middle and lower middle-income families. It will also pave the way for BAC to boost long-term ending to SMEs, a market segment currently underserved by commercial banks in the country. “By promoting greater financial inclusion, this project seeks to address important gaps in much needed medium- and long-term funding for local small and mid-size enterprises, key contributors to the economy and an important driver for employment in Costa Rica,’’ said Daniela Carrera-Marquis, Chief of the Financial Markets Division of the IDB’s Structured and Corporate Finance Department. “In addition, by targeting mortgage financing to middle and lower middle-income families, the project responds to an increased demand to channel resources to a population with traditionally limited access to credit for housing.”
“It’s of great importance for BAC Credomatic de Costa Rica Group to have the support of the IDB, especially given the limited depth of the Costa Rican capital markets. This long-term financing, which confirms the IDB’s trust in our institution, will allow us to meet important investment needs of small and medium-sized enterprises, as well as the mortgage needs of our middle-income clients. We take pride in this pioneering transaction in the Costa Rican financial sector,” said Gerardo Corrales, Executive Vice-President of BAC Credomatic de Costa Rica. The IDB loan is part of the beyondbanking Program, which seeks to promote sustainable environmental, social and corporate governance principles among Latin American and Caribbean financial intermediaries through financial and technical cooperation. Banco BAC is the largest private-sector bank in Costa Rica and forms part of one of the most important regional financial groups in Central America, with operations in Panama, Nicaragua, Guatemala, Honduras, and El Salvador, In 2010, the group was acquired by Banco de Bogotá, which is part of Grupo Aval, the largest financial conglomerate in Colombia.
Address : Calle Central Avenidas 3y 5 San José, Costa Rica.
Website : www.bac.net, Phone number : 506-256-9911
7. Banco Promerica -
Mission
"We People Promerica"
Cultivate the loyalty and sense of belonging to the Bank.
We offer banking services with high levels of dependability, safety and excellence.
We are able to choose every day a good attitude towards work and people, who treat them with respect and joy.
We are alert to help our customers and partners: we resolve and execute.
Promote respectful discussion of the challenge and make a habit profitable.
View
"We are building the best private bank"
Our essence is strong and lasting relationships with our customers and partners, both committed to the
development and future of Costa Rica.
Values
Our personal and institutional behavior is determined by the following values:
- Loyalty
- Respect
- Honesty
- Reliability
Competition Principles
"We make it easy, we do it right"
This statement implies competition principles that determine our comparative advantages :
- Easy for the customer
- Efficiency
- Teamwork
- Sense of urgency to solve and run
Address : Centro Corporativo El Cedral, Trejos Montealegre, Escazú, Costa Rica.
Website : www.promerica.fi.cr, Phone number : 506-296-4848
Croatia
1. Croatia Banka -
United Bank Inc. was established in 1989. under the name Bank small business dd Zagreb. Than in 1990. year has extensive authority and perform all banking transactions in the country and abroad for small, medium and large enterprises, financial institutions, local government and citizens. Year 1995. changed its name and has since called Croatia banka dd Zagreb.
The Bank is wholly owned by the Croatian. The primary objective and direction of development of business policies to raise the quality of products and services and individual approach to every client. Bank's network consists of 22 branches and offices.
Name of Bank : Croatia banka dd Zagreb
Address : Kvaternikov trg 9, Zagreb business address, R. Frangeša Mihanovića 9, Croatia.
Website: www.croatiabanka.hr
2. Partner Banka -
Key data
OIB: 71221608291
Company registration number: 3726177
Bank account: 2408002-1000002870
SWIFT: PAZGHR2Xl adequacy REUTERS: PAZH
IBAN: HR94 2408 0021 0000 0287 0
Partner banka d.d. employs 110 persons.
The Bank equity capital equals 89.1 million HRK, it is 100% privately owned.
The Bank data as at 31 December 2012:
Base capital = 156 million HRK
Guarantee capital = 166 million HRK
Total assets = 1,291 million HRK
Capital adequacy = 14.14 %
The Bank auditors in 2012 were Krako revizija d.o.o.
History
The Bank was established in the war year 1991 and was one of the first private banks, 100% Croatian-owned. The initial capital was only 11 million HRK.
1994
The Bank received a capital injection by means of a second share issue, so that share capital at the end of that year amounted to 5.2 million EUR. The Bank became a member of SWIFT, global financial telecom company in the same year.
1997
The third share issue took place and the Bank share capital increased to 11.8 million EUR.
1998
The Bank opened a branch office in Osijek.
1999
A branch office was opened in Rijeka.
The Partner banka foundation was set up with the aim of educating and training young financial experts with initial capital of 1.5 million HRK.
2002
The Bank became a full member of the Croatian Association of Banks.
2001
A new branch office was opened in Split.
The Bank currently runs branch offices in Osijek, Rijeka, Split, Pula, Zadar and Varaždin.
2005
The Bank balance sheet total exceeded one billion, standing at 1.032 billion.
2008
A new Management Board is appointed to run the Bank and they announce the start of a new Bank development cycle with the introduction of new products and services and the improvement of existing ones.
2010
A new office in Pakoštane was opened in May 2010 as a part of branch office Zadar.
Address: Vončinina 2, Zagreb, Croatia.
Website : www.paba.hr, Phone Number: 385-1-4602-222
3. Podravska Banka -
Podravska banka d.d. is one of the oldest banks in the Republic of Croatia, which has its origins in Koprivnička dionička štedionica founded in 1872. Today, Bank is present in thirty outlets across Croatia, profiled as a modern and innovative financial institution. Podravska banka offers a complete financial service, with particular focus on segments of citizens, craftsmen and small and medium-sized businesses. In 2012 POBA has confirmed its position as one of the leading small banks in Croatia, and by asset value ranks in 11th place out of 31 banks in Croatia. In 2012 are realized the following business results :
total assets amounted to 3.0 billion kuna
net profit was 8.1 million kuna
total customer deposits exceeding 2.2 billion kuna
total loan portfolio amount 1.8 billion kuna
capital adequacy ratio was 17.0%
Personal approach to each client, discretion, speed and flexibility are the fundamental principles how the Bank is doing business, providing comparative advantage over the competition and justify the trust of our clients during the 141-year tradition.
GENERAL INFORMATION:
PODRAVSKA BANKA d.d.
MBS: 010000486
OIB: 97326283154
MB: 3015904
NKD: 6419
Business account: 2386002-1000010160
IBAN: HR6323860021000010160
S.W.I.F.T.: PDKCHR2X
Web: www.poba.hr
e-mail: info@poba.hr
Info Center: 00385 72 20 20 20
Address : 48000 Koprivnica, Opatička 3, Croatia.
Website: www.poba.hr, Phone Number: 385-1-486-550
4. Primorska Banka -
Primorska Banka was established on the 25th September 2001 on the foundations of its predecessor, "Primorska štedionica“. Our 36 employees located in our Rijeka and Zagreb offices are fluent in world languages such as Italian and English, which significantly facilitates and improves the communication with our international clients. Competence, motivation, friendliness and speed are the characteristics of our employees. In order to satisfy the needs of an increasingly demanding world market, Primorska Banka has developed a wide range of products to meet the needs of its clients. The bank offers private, retail and business banking services, all performed at a high professional level that excludes the unnecessary and time consuming procedures. This is only a part of our efforts to provide our clients with a high quality service in the shortest period of time.
VISION
Primorska Banka is a stable bank, adaptable to the changes of the Croatian banking market and oriented to the desires and needs of each client.
MISSION
Our mission is to provide our customers with the highest quality and the fastest financial services, creating long-term partnerships with them.
Management : CEO – A.Pekić, Member of board – G. Šmer
Chairman : prof.dr.sc. J.Perić
Registration number : 1318942
OIB : 96675880337
Account number: 4132003-1011111116
SWIFT: SPRMHR22
IBAN: HR1841320031011111116
Share capital amount of 52.906.800,00 HRK fully paid.
Total number of shares 440.890 nominal value of 120,00 HKR.
Address : Scarpina 7, 51000 Rijeka, Croatia.
Website : www.primorska.hr, Phone Number: 385-1—513-55777
5. Privredna Banka Zagreb -
Privredna banka Zagreb d. d. is one of Croatia’s top banks with a long and continuous history of banking
operations. It was established in 1966 and it is the legal successor of Banka NRH, founded in 1962.
In all stages of its history, Privredna banka Zagreb has been supporting major investment programs for the development of tourism, agriculture, industry, shipbuilding, electrification and road building, and has become a byword for the economic vitality, continuity and identity of Croatia. The privatization of Privredna banka Zagreb was successfully brought to an end in December 1999. Having purchased 66.3 percent of the shares of Privredna banka Zagreb, former Banca Commerciale Italiana (BCI) became its majority shareholder, while the Croatian State Agency for Deposit Insurance and Bank Rehabilitation kept a stake of 25 percent plus two shares. BCI later became part of Gruppo Intesa, the leading banking group in Italy which ranks in the top ten banking groups in Europe.
Privredna banka Zagreb has thus become a bank of Gruppo Intesa. The European Bank for Reconstruction and Development acquired a minority stake in PBZ in 2002. In January 2007, after the merger of Banca Intesa and Sanpaolo IMI, Privredna banka Zagreb became a member of the Intesa Sanpaolo Group. Privredna banka Zagreb still focuses its business strategy on modern forms of banking and new products, living up to its image of a dynamic and modern European bank that responds to the demands of the market and its clients. From its very foundation Privredna banka Zagreb has been one of the leading banks in Croatia. It has received a number of prestigious international and Croatian awards for excellence. With over 200 branch offices and outlets, Privredna banka Zagreb covers the entire territory of the Republic of Croatia.
Address : Radnička cesta 50, 10000 Zagreb, Croatia.
Website : www.pbz.hr, Phone Number: 385-1-489-1313
6. Veneto Banka -
Veneto banka d.d., Zagreb, Draškovićeva 58, was founded on 18th June 1992 as a joint-stock company, and it started with operations on 8th July 1992 when it was entered into the register of the Commercial court in Zagreb. The Bank’s head office is in Zagreb, and it has branch offices in 5 counties of the Republic of Croatia, two of which in Zagreb, and one in Pula, Poreč, Rijeka, Split and Zadar respectively. Veneto Banca Group, Montebelluna (Treviso), Italy, is one of the first twelve Italian banking institutions. History of the institution, founded in 1877, gets the first creative twist in 1966 when the bank merges with Banca del Mandamento di Asolo, which created Banca Popolare di Asolo e Montebelluna. In 2000, after acquiring Banca di Credito Cooperativo del Piave e del Livenza, it changes the name to Veneto Banca, with the aim of providing services in the Treviso region.
Address : Draškovićeva 58, 10000 Zagreb, Croatia.
Website : www.venetobanka.hr, Phone Number: 385-1-480-2666
7. Zagrebačka Banka -
Zagrebačka banka has been the leading bank in Croatia in terms of the quality of products and services, technical innovations, number of customers etc. for years. In Croatia, the Bank operates with more than 60.000 corporate customers and over 1.4 million private customers, which means that every fourth citizen is a customer of Zagrebačka banka. As a member of the UniCredit Italiano Group since March 2002, one of the most successful banking groups in Europe, Zagrebačka banka has also been one of the leading banks in CEE. The Bank accounts for 26% of total assets of the Croatian banking sector and, as a co-owner of the UniCredit Bank Mostar, 17% of the total assets of the banking sector in Bosnia and Herzegovina.
The main branches of Zagrebačka banka are: ZB Invest, the Zagrebačka banka investment fund company that holds 35% of market share. AZ Fund, an obligatory pension fund of Zagrebačka banka and Allianz, holds around 40% of the market share, and the deposits of the First Housing and Savings Bank (Prva stambena štedionica) holds around 30%of the housing savings on the market.With 132 subsidiaries in total, and more then 840 ATMs, Zagrebačka banka has the largest network of physical channels for customer business. Almost 530 thousand customers use online banking of Zagrebačka banka through direct channels and 205 thousand customers use mobile banking. More than once, the Bank has been nominated to have the most innovative and top-quality banking Internet service.
In all larger subsidiaries, customers can use the self-service banking area with many devices which make everyday banking services more easy to use and are always available. Zagrebačka banka also issues the biggest number of payment cards and has the widest network of in-store POS devices for card payments. With over 4,400 employees, Zagrebačka banka is one of the major employers in Croatia and according to the independent surveys, it is also one of the most desirable ones. Citizens associate the following qualities with Zagrebačka banka: safety, greatness, progress, but also tradition. What makes Zagrebačka banka competitive on the market today is the fact that it as an advisor and a partner in all customers' specific needs and situations. It is a bank that offers reliable, open and responsible solutions, a bank that trusts its customers. The dimension of social responsibility in business surely contributes to the value of Zagrebačka banka – being the leading bank in Croatia does not only mean that it has the biggest market share, the largest number of customers and the most innovative quality products. Above all, it means that it has the awareness of its own responsibility and the impact on the community in which it operates, as well as of the needs of this community.
Address : Trg bana Josipa Jelačića 10, 10000 Zagreb, Croatia.
Website : www.zaba.hr, Phone Number: 385-1-377-3333
Cuba
1. Banco Central de Cuba -
The creation of the Banco Central de Cuba (BCC) , prepared by the State Council Decree Law No. 172 , of May 28, 1997, provided the country with an institution able to concentrate their forces in the execution of basic functions inherent central banking and left established two-tier banking system, consisting of the Central Bank of Cuba and a group of banks and nonbank financial institutions, capable of responding to the needs arising from the development of new ways of structuring relations internal and external economic of the country.
As a leading authority on Cuban banks, the BCC has the mission of :
- To issue the national currency and ensure its stability.
- Contribute to macroeconomic stability and the orderly development of the economy.
- Custodian of the country's international reserves.
Propose and implement monetary policy for achieving the economic objectives that the country faces.
- To ensure the normal functioning of the internal and external payments.
- To issue binding rules.
Perform the functions relating to discipline and supervision of financial institutions and representative offices are authorized to establish in the country and any other laws assigned. Besides the classic functions referred to above, the Central Bank of Cuba must undertake other challenges: improving the monetary system in a manner that would facilitate the implementation of economic activity, allow the accurate measurement contributes to efficiency analysis is made on the basis actual efficiency and stimulate the economy in general and, in particular, labor productivity; normalize the country's external financial relations, including the issue of external debt and credit support efforts of members of the national banks and Cuban companies, through bilateral contacts with other central banks, insurance agencies export credit and other government and private financial institutions.
Address : PO Box 746, Cuba 402, Municipio Habana Vieja, La Habana, Cuba.
Website : www.bc.gov.cu, Phone number : 537-860-48
2. Banco de Crédito y Comercio -
Banco de Crédito y Comercio (BANDEC) was created as a commercial bank under Agreement No.3215 of the Executive Committee of the Council of Ministers of November 12, 1997. It holds a General License granted by Banco Central de Cuba under Resolution No.1 of 1997, which empowers it to carry out universal functions inherent to commercial banking in operations in the national territory and abroad. BANDEC distributes its services by means of a network of over 200 branches, completely automated, located throughout the whole country. A total of 197 is interconnected by means of the Data Transmission Public network, through which a high percentage of the bank operations is made. By the end of 2001, the bank was counting on 42 automated teller machines placed in Havana City and in some cities of other provinces of the country. Another alternative in the distribution of the services, is the bank-client remote interconnection system, known as Virtual-BANDEC, a tool which allows clients to operate their accounts and contract other services from their computers in the office or any other place, without their physical presence at the bank.
BANDEC's service portfolio presents, together with other traditional services of Cuban banking, financing, accounting, funds transfer and cash services. It also provides fund management, trust and technical services for investments, giving costumers a wide range of possibilities to satisfy their needs in the most effective way. At the end of the 2001 fiscal year, profits before taxes, recorded in the books were of 320,0 million pesos, while income was over 423,0 millions. These are the highest benchmarks since the bank was set up. By the end of 2001, the bank had more than 74,000 deposits in national and foreign currencies from enterprises operated by more than 53,000 account holders. This figures ratify Banco de Crédito y Comercio as leader in this Cuban market segment. Natural persons, at the close of the 2001, were operating a total of 345,000 accounts in national currency, convertible pesos and foreign currency structured in demand deposits, savings accounts, time deposits and term deposit certificates. Banco de Crdito y Comercio maintains correspondent agreements with 43 banks, a figure over the 39 correspondent banks it kept relations with by the end of the 2000 and which enables BANDEC and its customers to perform operations with better international cover.
Address : Amargura 158 esq. Cuba, Municipio Habana Vieja, La Habana, Cuba.
Website : www.cubagob.cu, Phone number : 537-614-533
3. Banco de Inversiones S.A -
Banco de Inversiones S.A. (BdI) is a Cuban financial entity incorporated on February 14, 1996 in the middle of a process of modernization of the Cuban banking system. It is the only specialized bank with a license for performing functions of investment banking in Cuba and has maintained a leader position in structuring financial bussiness in the capital markets. Was incorporated as a company by shares registered in the Central Registry for Companies ( Book 138 Page 80), in the First Mercantile Registery of Havana (Book 1192 Page 80) and in the General Bank Registery ( Inscription No. 41 Pages 85,86,87,88). In BdI's management records outstands its participation as adviser and arranger of relevant projects of bond issues, purchase of shares, syndicated credits and debt restructuring with important Cuban corporate and foreign customers hold by leading european banks.
Address : 5ta avenida No. 6802 esq. A 68, Miramar Playa, La Habana. Cuba.
Website : www.bdi.cu, Phone number : 537-204-9641
4. Banco Nacional de Cuba -
Banco Nacional de Cuba (BNC) was created by Law No. 13 of December 23, 1948, as the central state bank, with organic autonomy, independent legal status and assets of its own. On February 23, 1998, Decree-Law No. 181 is promulgated including the structure, functions and activities assigned which pertain to an international banking organization.
Among its functions are the following:
- To obtain and grant credits in national currency and in freely convertible currency.
- To issue bank guarantees of all kinds under previous evaluation of the economic-financial management of the requesting entity.
- To issue, accept, discount, guarantee and negotiate bills of exchange, promissory notes, cheques and other documents related to trade, which may be negotiable, denominated in national or foreign currencies.
- To fix interest rates to operations effected by the Bank under the limits established by Banco Central de Cuba.
- To constitute official export credit insurance entities according to the effective legislation with regard to insurance.
- To keep record and control, service and handle the foreign debt that the Cuban Government and Banco Nacional de Cuba have contracted with foreign creditors to the date on which Decree-Law No. 172, of 1997, on Banco Central de Cuba went into effect.
It must be stood out that Decree-Law No. 181 establishes that all contingent guarantees and obligations of Banco Nacional de Cuba at the time of the promulgation of Decree-Law No.172, of 1997, on Banco Central de Cuba and those that it may issue and contract in the future are valid obligations binding on Banco Nacional de Cuba, retaining their full legal effect, and that segregation of the central banking functions will not affect, in any way, their backing nor the powers which Banco Nacional de Cuba holds for the fulfilment of its obligations under Decree-Law No. 181.
Banco Nacional de Cuba has been developing an active work in the negotiations and in the signing of agreements attached to the debt rescheduling, obtaining new credits from foreign banks and institutions, with better financial conditions. Financings were granted in freely convertible currency to national entities. Moreover, the activity in reopening the export credit insurance capacities was significant. This has made possible the increase of foreign financing and a greater access to the market. Currently, Banco Nacional de Cuba counts on a network of over 186 workplaces. The flow of information generated by this network has a high compartment level and allows simultaneous access of several users. At present, work is carried out in establishing remote access to the services offered as well as in bank interconnection projects.
Address : Aguiar 456 e/ Amargura y Lamparilla, Municipio Habana Vieja, La Habana, Cuba.
Website : www.cubagob.cu, Phone number : 537-628-896
5. Banco Popular de Ahorro -
The Banco Popular de Ahorro (BPA) was created 25 years ago, with the primary purpose of providing various financial services to the population, and encourage it to save money. Inside the Cuban banking system, is the bank with the largest branch network spread across the country, responsible for meeting the economic needs - financing of the population, through the marketing of a range of products and services that are designed to contribute to economic and social development of the nation. Universal Banking orientation allows actions inherent in the banking business with banks and domestic and foreign. Maintains leadership in dealing with the public, although part of the segment serving business. The BPA, from its basic precepts: SECURITY, RELIABILITY, speed and discretion, continues to expand international relations and cooperation with other banking institutions - financial and projects to achieve greater efficiency and quality in service delivery, from the continued commitment of its employees by offering an increasingly personalized attention.
Website : www.cubagob.cu, Phone number : 537-222-545
Cyprus
1. Bank Of Cyprus -
The Bank of Cyprus Group was founded in 1899 and is the leading banking and financial services group in Cyprus. The Group provides a wide range of financial products and services which include retail and commercial banking, finance, factoring, investment banking, brokerage, fund management, private banking, life and general insurance.
The Group currently has a network a total of 427 branches in Cyprus, Russia, Ukraine, the United Kingdom and Channel Islands and employs 9.920 staff worldwide. The Group also has 7 representative offices in Russia, Ukraine, Serbia, China and South Africa and a presence in Romania. Following the decision of the Eurogroup meeting held on 25 March 2013 and the decrees issued by the Central Bank of Cyprus in its capacity as the Resolution Authority, Bank of Cyprus has acquired the insured deposits and the majority of the assets and loans of the Cyprus Popular Bank Public Co Ltd (“Laiki”) and as a result it currently operates through 202 branches in Cyprus and with 5.725 employees (85 branches and 2.369 employees were transferred from Laiki Bank).
In addition, the Group exited Greece, a market in which it has operated for the last 22 years, through the disposal of loans, fixed assets and deposits from its banking operations in the country. In Romania, the Group transferred certain assets and liabilities including most customer deposits, certain loan agreements and related collateral, cash and other liquid assets to the subsidiary of Laiki in Romania. In the UK, deposits of the UK Branch of Laiki Bank have been transferred to BOC’s UK subsidiary and advances to the parent company of the Group. The above major changes mark a new era for the Bank of Cyprus Group.
Address : 51 Stassinos Street, Ayia Paraskevi, Strovolos, P.O. Box 21472, 1599 Nicosia, Cyprus.
Website : www.bankofcyprus.com, Phone Number: 357-22-128000
2. Central Bank Of Cyprus -
The Central Bank of Cyprus was established in 1963, shortly after Cyprus gained its independence, as an autonomous institution in accordance with the Central Bank of Cyprus Law 1963 and the relevant articles of the Constitution. Today the Bank is governed by the Central Bank of Cyprus Laws 2002-2007, which ensure the Bank’s independence as well as compatibility with the relevant provisions of the Treaty establishing the European Community and the Statute of the European System of Central Banks and of the European Central Bank. The law’s amendment in March 2007 paved the way for the legal integration of the Bank into the Eurosystem in January 2008.
The main functions of the Central Bank include :
- implementing the European Central Bank’s monetary policy decisions;
- holding and managing the official international reserves;
- supervising banks;
- safeguarding the stability of the financial system;
- promoting, regulating and overseeing the smooth operation of payment and settlement systems;
- acting as banker for the government.
During the early years of its operation, the Bank undertook fully the functions of banker to the government and the management of international reserves as well as the administration of exchange controls. In parallel, the Bank strengthened its internal structure and prepared the regulatory framework for banking supervision, also setting up the operational framework for the implementation of monetary policy. In the late 1960s and early 1970s, monetary policy became more active, while bank supervision was formalised. During this period government stocks were first issued, with a view to promoting savings and the non-inflationary financing of fiscal deficits.
Following the economic dislocation and disruption caused by the Turkish invasion in 1974, the Central Bank was actively involved in the reactivation of the economy. Thus, the Bank pursued an expansionary monetary policy and facilitated the financing of the housing needs of the refugees and the replenishment of lost capital stock and infrastructure. The role of the Bank was instrumental in the achievement of a rapid improvement in economic conditions that took place subsequently. During the post-invasion period the Bank also assumed a leading role in promoting Cyprus as a regional financial and business centre. Over the years, the international business sector, in particular, has shown a rapid progress and expansion, making a significant contribution to foreign exchange earnings and employment in the island.
Prior to accession to the EU in 2004, the Central Bank began to intensify its efforts towards the liberalisation of the financial sector, which was necessitated both by economic considerations as well as by the need to harmonise Cypriot economic structures and policies with those of the EU. In 1996 the Central Bank moved away from the use of direct instruments for monitoring liquidity in the economy in favour of market-based tools. Thus, the liquid assets ratio, which was the main instrument of monetary policy, was abandoned. Main refinancing operations allotted through tenders were introduced as the primary tool of liquidity management. Auctions for the acceptance of deposits were also introduced as a means to mop-up excess liquidity. Under the current monetary policy framework, the minimum reserve account is the only operational account banks need to maintain with the Central Bank and there are two standing facilities aimed at providing and absorbing overnight liquidity, respectively. Since the beginning of 1996 government paper has been issued by the auction technique, which allows the interest rate to reflect market conditions. Thus, the operational set-up of monetary policy is broadly in line with EU practices.
A landmark in the liberalisation process of the financial sector was the abolition of the statutory interest rate ceiling on 1 January 2001. In the area of capital movement liberalisation, the Capital Movement Law was enacted in July 2003 and came into force on 1 May 2004, the date of Cyprus's accession to the EU. This law, inter alia, repealed the Exchange Control Law thus abolishing all remaining exchange control restrictions. As regards banking supervision, the objective of the Central Bank is to ensure the stability of the banking system, the minimization of systemic risk and the protection of depositors. The rules, policies and practices of the Bank are in line with the EU directives and the recommendations of the Basel Committee on Banking Supervision. The Banking Law 1997 as amended, which establishes the legal framework within which banking business can be pursued, reflects the principles and rules of the EU directives on credit institutions. Furthermore, in accordance with the Prevention and Suppression of Money Laundering Activities Laws 1996 - 2004, the Central Bank is the supervisory authority for banks in this respect. In this connection, the Central Bank has issued a series of directives to banks concerning strict customer identification procedures, record keeping, recognition and reporting of suspicious transactions, the appointment and duties of money laundering compliance officers, and education and training of bank employees in anti-money laundering matters and in combating the finance of terrorism.
Address : 80, KENNEDY AVENUE, CY-1076, Cyprus.
Website : www.centralbank.gov.cy, Phone Number: 357-22-714100
3. Cyprus Development Bank -
Our Mission
Founded in 1963, the Cyprus Development Bank (cdbbank) is today one of the island’s primary financial institutions dedicated to satisfying the needs of business clients. Our aim is to build on the strengths that we have developed in the course of our history and to bring cdbbank even closer to Cypriot and international businessmen by providing a whole range of new and innovative financial services and products. Our vision is to establish cdbbank as a profitable, highly regarded, strongly capitalised, differentiated, commercial financial institution with a high level of expertise.
Corporate Banking from A-Z
cdbbank is dedicated to its corporate clientele and is geared to its needs. We offer a full range of comprehensive banking facilities including :
- corporate loans
- overdrafts
- equity funds
- deposits
- structured finance
- trade finance facilities
- local and international payments
- foreign currency trading
- risk management services
- private banking
Through our subsidiary company, Global Capital Securities and Financial Services Ltd, we also offer a broad range of investment banking services including fund management, brokerage, corporate advisory, flotation of companies and other capital market services.
A Differentiated Bank
Small in size by choice, big in impact by achievement, cdbbank is valued for its highly competent and experienced human capital. It aims to offer its clients the expertise of high-calibre professionals, willing and able to understand each client’s particular needs. Flexible, tailored solutions are the trademark of its personal approach.
Address : Alpha House, 50 Arch. Makarios III Ave., CY-1065 Nicosia, Cyprus.
Website : www.cdb.com.cy, Phone Number: 357-22-846500
4. Marfin Popular Bank -
Corporate Social Responsibility is a major strategic pillar of Laiki Bank Group. It constitutes an integrated framework of policies and practices ensuring the active contribution of the Group to the coherence, sustainable development and welfare of the societies in which it operates. Humanitarian contribution and solidarity, the adoption of socially responsible practices in all sectors of our business activity, the support of environmental protection and sustainable development, of education, culture and sports; these are the main pillars of corporate social responsibility of the Group.
Address : 154 Limassol Ave., 2025, Nicosia, Cyprus.
Website : www.marfinbank.com, Phone Number: 357-22-887766
Czech Republic
1. PPF Banka -
PPF banka a.s. is an integral part of PPF Group, the financial and investment group. The bank focuses on providing financial, investment and consultancy services to selected clients, as well as private banking services. PPF banka’s clients include financial institutions, Czech medium and large enterprises and municipal organisations. PPF banka acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors.
Address : Evropská 2690/17, P.O. Box 177, 160 41 Prague 6, Czech Republic.
Website : www.ppfbanka.cz, Phone number : 420-224-175-888
2. Banco Popolare Ceska republika -
We are a bank that always offers its clients products and services that can be described as: hassle-free, transparent, easily accessible and well-designed. Equa bank offers a wide range of products starting by current and savings accounts, term deposits and mortgage loans and also offer for businesses.
Our bank is a big fan of digital technologies, so a key part of our proposal will always be an online banking both for computers and for mobile devices. Everything that is happening in our bank and what we seek is that we still and always want to our services are considered by our customers as a "Simply better banking."
Equa bank a.s., formerly Banco Popolare Ceska Republika a.s., was acquired in June 2011 by Equa Group Limited. The shareholders of Equa Group Limited are funds advised by AnaCap Financial Partners LLP, a European private equity advisory firm that specialises in the financial services sector.
Address : Karolinská 661/4, 186 00 Praha 8, Czech Republic.
Website : www.bancopopolare.cz, Phone number : 420-224-990-281
3. Raiffeisen Bank -
Raiffeisenbank a.s. is an important banking institution that provides wide range of banking services to private and corporate clientele in the Czech Republic. Raiffeisenbank is a member of Austrian Raiffeisen Group that also offers products and services in the Czech Republic in the area of building savings (Raiffeisen stavební spořitelna), insurance (UNIQA pojišťovna) and leasing (Raiffeisen-Leasing, Raiffeisen-Leasing Real Estate). Raiffeisenbank has merged with eBanka, a.s., in 2008. The bank servers total assets in a volume over CZK 200 billion and thus is the 5th largest bank in the market. Raiffeisenbank serves clients at more than 120 branches and business client centres throughout Czech Republic. The bank also provides services of specialized mortgage centres, personal, corporate and business advisors.
Various local and international awards proof the quality of serrvice. In 2009, Raiffeisenbank was awarded the Most Dynamic Bank of The Year for the third time in the recent four years. eKonto was named as Best Account of the Year. In 2010, the bank received three Golden Crowns for direct banking SME accounts and SME loans. The majority shareholder of Raiffeisenbank with 51 per cent of the shares is Austrian financial institution, Raiffeisen Bank International AG (RBI), whose parent company is Raiffeisen Zentralbank Österreich AG (RZB). Additional shareholders include Raiffeisen Zentralbank AG with 24 per cent and RB Prag-Beteiligungs GmbH with 25 per cent. RBI originated from the merger of the spun-off areas of RZB with Raiffeisen International Bank-Holding AG. The transaction was legally completed in October 2010. The RBI Group´s consistent commitment to quality is regularly reflected by a broad range of local and international awards, including by such leading finance industry publications as "The Banker", "Euromoney" and "Global Finance". From the very beginning, Raiffeisenbank has offered its services with emphasis on the particular needs of clients in the various regions. Besides its business activities, Raiffeisenbank is also involved in a number of community service activities related to culture, education and charity, reflecting Raiffeisen’s 140-year tradition.
Address : Beroun, Husovo namesti, Husovo namesti 45, 266 01 Beroun, Czech Republic.
Website : www.rb.cz, Phone number : 420-221-141-111
4. J&T Banka -
As one of the leading financial institutions in the Czech Republic, we endorse social responsibility, which is something we deem to be an integral part of our company culture. In the area of philanthropy, we have decided to funnel our support into socially, physically and mentally disadvantaged individuals and young, talented athletes. J&T Banka shares its decisions, investments, and successes with its clients. But it also shares the fate and problems suffered by the handicapped, socially week families, and families that have decided to devote their lives to foster care. For this reason we have established Nadační fond J&T and Nadácia J&T, which manage under one roof the funds that we provide to natural and legal persons and non-profit organisations, provided their projects related to the mission and goals of the endowment fund. We support the J&T Sportteam sports club, which provides opportunities to talented swimmers and triathlon athletes, as we believe that we have something to offer to sports. In turn, sports inspire us. Indeed, a vast number of companies implement management mechanisms and elements that have long been used sports.
Address : Pobřežní 14, Prague, Czech Republic.
Website : www.jtbank.cz, Phone number : 420-221-710-111
5. Unicredit Bank -
We are a strong and efficient European bank with a dominant position in Central and Eastern Europe. This helps us to facilitate our clients’ international business and the contacts with their partners. We are continually motivated to provide our clients with high quality services, and we guarantee that all those services will be at a high standard across the entire UniCredit Bank. We stand ready to serve demanding, determined and responsible people, including both private clients and businesspeople, who want to see clear results and relentlessly strive to be better, who demand quality and efficiency from themselves and from others, and who seek to optimise how their money works for them. We offer comprehensive, reliable and exacting products and services that always rank among the best in their fields. We have real personal bankers who are proactive, independent and abundantly competent. We take an individual approach to every client and prepare for each solutions and offers that are truly meaningful, useful, and efficient. Our relationship is based on mutual trust and discretion.
UniCredit Bank Czech Republic, a.s. launched its activities in the Czech market on 5 November 2007. It came into being through the integration of two independently operating and successful banking institutions – Živnostenská banka and HVB Bank. UniCredit Bank Czech Republic, a.s. is a strong and rapidly developing bank offering a wide range of quality products to both corporate and private clients. It is one of the market’s strongest banks in the area of project, structured and syndicated corporate finance. The bank has also built an extraordinarily strong position in acquisition financing and ranks first in financing commercial real estate. Among other services, UniCredit Bank’s clients can utilise services to obtain project financing from the EU structural funds offered through UniCredit Bank’s European Competence Centre. In the sphere of services for private clients, UniCredit Bank plays a significant role on the market for private banking, securities, credit cards and mortgages, and it is doing very well in serving clients in the freelance professions (doctors, judges, attorneys-at-law, notaries, and others). The bank’s Competence Centre for Freelance Professions is devoted to these clients.
Address : Želetavská 1525/1, 140 92 Prague 4, Czech Republic.
Website : www.unicreditbank.cz, Phone number : 420-221-112-111
6. Komercni Banka -
Basic Information
Komerční banka, a.s. ( “KB” or the “Bank”) :
- is the parent company of KB Group (the “Group”) and a member of the Société Générale Group
ranks among the leading banking institutions in the Czech Republic and in Central and Eastern Europe
- is a universal bank providing a wide range of services in retail, corporate and investment banking
- is accessible through KB’s branch network, its direct banking channels, and the subsidiaries’ own sales networks.
Member companies of Komerční banka Group provide additional specialized financial services :
- pension funds
- building society schemes
- factoring
- consumer lending
- insurance
All of the services are accessible through the dense network of KB branches, its own distribution network, and thanks to modern, on-line services, such as direct banking. Service for corporate clients of Komerční banka is provided by two segments, usually according to annual turnover (sales) and number of products used. Companies with turnover from CZK 60 million to 1500 million are generally served by the Corporate sales centers. Clients with a higher turnover are usually served by the Top Corporations divisions, which are located in Prague, Brno and Bratislava.
Komerční banka in the Slovak Republic provides its clients with services via a branch called “Komerční banka, a.s., pobočka zahraničnej banky” is especially focused on large and medium-sized enterprises with a turnover of EUR 40 million or more offers standard banking services, including :
- Cash Management
- Electronic banking
- Payment cards
- Financing
- Investment banking products
- Trade Finance, where KB holds the leading position in the Czech Republic.
The position of the KB branch in Slovakia is especially strong as it has the know-how of the parent KB and uses synergies within KB and SG Group, thanks to which it is able to provide its clients with comprehensive financial solutions.
An individual and personal approach and custom-made products, tailored to suit the requirements of the specific client, constitute an integral part of the offer of services. The KB branch in the Slovak Republic does not offer cash operations.
Address : Na Příkopě 33, 114 07 Praha 1, P.O. BOX 839, Česká Republika.
Website : www.kb.cz, Phone number : 420-800-111-055
7. Volksbank CZ -
Sberbank CZ (known as Volksbank by February 2013) has been operating in the Czech market since 1993; since 1 January 1997 as an independent joint stock company with the CNB banking licence. Sberbank CZ is a commercial bank with an extensive portfolio of financial products and services for retail and corporate clients. We strive to be a trustworthy financial advisor to our clients. Having a profound understanding and knowledge of our clients’ needs, we are able to provide our clients with an individual solution. We are not a mere seller of banking products – we see banking as a service that leads to mutual prosperity and growth. We help our clients to increase their profits by providing them with comprehensible financial and banking advice and top-level personal care. In this way, we strive to ensure that banking regains its original personal dimension.
Shareholders
Sberbank CZ (former Volksbank CZ) has been successfully operating in the Czech market since 1993. The bank’s main shareholder is Sberbank Europe AG (a subsidiary of Sberbank of Russia). Sberbank Europe AG – headquartered in Vienna (Austria); the company’s sole owners since 15 February 2012 is Sberbank of Russia. Sberbank Europe manages a successful and expanding network of banks in eight countries in Central and Eastern Europe (CEE): Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Bosnia and Herzegovina, Serbia, and Ukraine.
Sberbank of Russia is the largest bank in Russia and CIS. Sberbank dominates the Russian banking sector in terms of total assetsand employees about 240,000 people. The founder and principal shareholder of Sberbank of Russia is the Central Bank of the Russian Federation with 50% of the Bank’s authorized capital plus one voting share. The rest of the shares are held by international and domestic investors.
Sberbank of Russia operates the largest national branch network with over 18,400 branches in 17 regional banks. The bank has subsidiaries operating in Kazakhstan, Ukraine, and Belarus, a branch in India, and offices in Germany, China, and most recently also in Switzerland and Turkey. With the acquisition of Volksbank International in 2012, Sberbank of Russia now operates in another eight Central and East European countries.
Sberbank of Russia was established in 1841. Today it is a modern bank with comprehensive services that can meet the needs of various groups of customers, to whom it offers an extensive portfolio of banking services.
Address : Na Pankráci 129, 140 00 Prague 4, Czech Republic.
Website : www.volksbank.cz, Phone number : 420-543-525-222
8. Wustenrot Hypotecni Banka -
Wüstenrot - Founder savings
Year 1921, the German town of Wüstenrot, "Society of Friends" and its motto "Every family, a roof over your head." Thus began the history of the building society on the European continent and building societies Wüstenrot, which became the basis of the financial group Wüstenrot. On the basis of expansion in many European countries and connecting with one of Germany's largest insurance company Württembergische AG Wüstenrot become a major international financial institutions.
Wüstenrot in Czech Republic
Even in our country's name Wüstenrot closely associated with the beginnings of savings. Wüstenrot - Building Society, Inc. began operations in the fall of 1993, the year when the law was adopted on building savings. Since then he has gained the trust of thousands of customers for whom building savings to finance, housing, create financial reserves for retirement and save money for other needs.
Just as in their home countries and in the Czech Republic was the intention Wüstenrot provide clients with a comprehensive set of financial services in the field of family finances. After building savings came in 1999, life insurance, in early 2003 Wüstenrot mortgage offered as another form of home financing.
In 2006 Wüstenrot portfolio of services extended to non-life insurance, focusing primarily on insurance coverage and family housing and motor insurance. Another significant milestone in the development of Wüstenrot, introduction of deposit products and online banking in late 2010 and 2011. Today is Wüstenrot financial group, which consists of four companies. Due to their close cooperation and joint business network of financial advisors, the client Wüstenrot your personal financial advisor, and thus all the necessary services readily available under one roof.
Address : 140 23 Praha 4, Czech Republic.
Website : www.wuestenrot.cz, Phone number : 420-257-092-201.
1. Afriland First Bank -
Afriland First Bank saw the light of day in Cameroon in 1987 under the name of Caisse Commune d'Epargne et d'Investissement. The economic environment at the time was characterized by an unfavourable economic situation and the generalized bankruptcy of banks.
Four observations led to the creation of the First bank, notably:
- 60% of the business activity in Cameroon is not accounted for in the calculation of the GDP, since it emanates from the informal sector ; yet this activity creates wealth;
- a majority of people living in rural areas are excluded from the banking system;
- investors are not sufficiently prepared to meet production requirements;
- the financial system is mostly dominated by tontines and loan sharks.
From these observations, emerged the firm convictions that:
- The development of Africa is incumbent on Africans;
- Economic development should be supported through the promotion of entrepreneurship and through investment;
- Some forms of savings exist in communities despite poverty; and lastly,
- There is need to promote the growth of enterprises.
These convictions led to the identification of four objectives, namely:
- Promoting the emergence of a new breed of african entrepreneurs;
- Creating business gateways between the formal and informal sectors of the economy;
- Enhancing access of the rural world to the banking system;
Supporting the development of existing companies.
Hence the birth of the First Bank and the designing, by its promoters, of specific banking products, adapted to the African context. The first counter, opened in the current Retraite branch (Yaounde), went operational on 1st July 1988. The bank today has over 30 branches distributed in all 10 regions of Cameroon as well as offices abroad.
Address : PO Box: 11834 Yaounde-Cameroon.
Website : www.afrilandfirstbank.com, Phone number : 237-2223-3068
2. Commercial Bank Cameroun -
Created in 1997, the Commercial Bank-Cameroun (CBC) assist companies and individuals in their financial operations and in the financing of their activities and projects.
Set Up
Created in 1997 by Cameroonian and foreign Investors(FOTSO Group; SNAC Insurances; private Cameroonian investors and DEG Cologne, Germany) following the closure in Cameroon of several foreign-owned banks such as the Crédit Agricole, BICIC and Meridien BIAO, the Commercial Bank-Cameroun is a financial institution whose principal mission is:
- To assist companies and individuals in their financial operations and in the financing of their activities and projects.
- To achieve this, the following credit is available to individuals: Term loans, Mortgage loans, business loans, investment loans, Short-term advances and Credit guarantees.
Clients also have access to the following savings products: Deposit accounts, Savings bonds, cash management products: Term deposits, Bank cheques as well as other services such as: certified cheques, Gold Cheque, funds collection, rental of client safe deposit boxes, overdraft facilities and soon, e-banking.
Branches in Cameroon
CBC Bank has six regional branches and two Western Union points in the principal towns of Cameroon: Douala (opened in November 1997), Yaoundé (January 1998), Bafoussam (February 1998), Garoua (October 1998), Maroua (December 1998) and Akwa (September 2003).
Branches Network
Given its international perspective, the Commercial Bank-Cameroun has a branch network throughout the central African sub-region via associate banks :
- The Commercial Bank-Tchad (CBT) in Chad;
- The Commercial Bank-Centrafrique (CBCA) in the Central African Republic.
- The Commercial Bank-Guinea Ecuatorial (CBGE) in Equatorial Guinea will soon be joining the network.
- The Commercial Bank-Sao Tomé e Principe (COBSTP)in Sao Tomé e Principe.
Associated & Correspondent Banks
The CBC banking network extends worldwide thanks to correspondent banks.
- In France this includes: Crédit Commercial de France (CCF), BNP Paribas Paris, Banque Belgolaise Paris;
- In Germany: American Express-Bank Frankfurt;
- In the USA: American Express Bank, New York;
- In Benin: EcoBank Bénin Cotonou; in Mali: Banque de l'Habitat Bamako;
- In Chad: Financial Bank N'djamena;
- In the Central African Republic: Banque Internationale pour la Centrafrique (BICA) and
- In Gabon: Banque Internationale pour le Commerce et l'Industrie du Gabon (BICIG) and BGFI Bank.
Website : www.cbc-bank.com, Phone number : 237-3420-202
3. Ecobank -
At Ecobank Corporate Banking, we know that business success depends on much more than just access to money. We understand the broader needs of enterprises, be they multinationals or entrepreneurial start-ups. Our unrivalled presence across Africa and our experience of helping businesses grow means that we can provide you with practical financing solutions and ongoing support. It is the knowledge, experience and local insight of our people that distinguishes Ecobank from our rivals and we place their considerable expertise at your disposal. At the heart of our involvement is your dedicated pan-African Relationship Manager who is committed to understanding your business needs and providing responsive, customized lending solutions, with a focus on local empowerment.
Whether you are in need of a trade loan, working capital or longer-term project finance, we are uniquely positioned to deliver a truly pan-African service:
- Our Internet Banking service gives you secure access to corporate banking 24/7
- Innovative and integrated cash management solutions to help you do business in Africa
- Settle your transactions efficiently and mitigate payment risks
- Supply Chain Finance across Africa with proven solutions for both your suppliers and distributors
Address : P.O. box:B.P. 582, Douala – Cameroun.
Website : www.ecobank.com, Phone number : 237-3344-3030
4. Union Bank of Cameroon -
Union Bank of Cameroon plc is a Commercial Bank created by the Credit Union network and licensed by the monetary authority in 1999 to carry out the business of a commercial bank. It opened its doors to the public in January 2000, and in 2008 Oceanic Bank International plc headquarters in Lagos acquired majority shares in UBC and emerged as core investor thus moving its share capital from 5 to 20 billion FCFA.
Core Values (Teams)
T: Transparency
E: Equal opportunity
A: Accountability
M: Merit
S: Service excellence
Our vision:
“think banking…think UBC”
Our mission:
“To provide excellent and comprehensive services to all our customers in a friendly environment using qualified and experienced personnel and appropriate technology”
Address : NWCA ltd. Building, 2nd Floor, Commercial Avenue, P.O. Box 110, Bamenda.
Website : www.unionbankcameroon.com, Phone number : 237-3336-2316
Canada
1. Bank of Canada -
The Bank of Canada opened its doors in March 1935, operating from rented premises in the Victoria Building on Ottawa's Wellington Street. Conditions in the Victoria Building quickly grew cramped and inefficient, and in January 1936 Governor Graham F. Towers proposed the design and construction of new premises to Prime Minister Mackenzie King. King agreed, and by May the Bank had purchased a building site further west on Wellington Street, at a price of $83,500 (about $1.2 million in 2004 dollars). The Bank hired S.G. Davenport of Montréal to act as consulting architect and adviser for the project. Davenport, in turn, recommended that the Toronto firm of Marani, Lawson and Morris be hired as principal architects.
Located at 234 Wellington Street, across from Parliament Hill, this site has been the Bank’s home since 1938. Highly specialized duties essential to the functioning of the Canadian economy are performed at the Bank’s head office, including $15 billion in payments processed daily by the Bank within the large-value payment system, and the management of more than $600 billion in federal government debt and $68 billion in foreign reserves. Staff based at the head office also perform leading-edge economic and financial analysis to guide the conduct of monetary policy and promote financial stability. A resilient work facility is therefore critical for the Bank to continue to fulfill its mandate to promote the economic and financial welfare of Canada.
Monetary Policy
The Bank contributes to solid economic performance and rising living standards for Canadians by keeping inflation low, stable and predictable. Since 1991, the Bank’s monetary policy actions toward this goal have been guided by a clearly defined inflation target.
Currency
The Bank designs, produces and distributes Canada’s bank notes and replaces worn notes. It deters counterfeiting through leading-edge bank note design, public education and collaboration with law-enforcement agencies
Financial System
The Bank promotes a stable and efficient financial system in Canada and internationally. To this end, the Bank oversees Canada’s key payment, clearing and settlement systems; acts as lender of last resort; assesses risks to financial stability; and contributes to the development of financial system policies.
Funds Management
The Bank provides effective and efficient funds-management services for the Government of Canada, as well as on its own behalf and for other clients. For the government, the Bank provides treasury-management services and administers and advises on the public debt and foreign exchange reserves. In addition, the Bank provides banking services to critical payment, clearing and settlement systems.
Address : 234 Wellington Street, Ottawa, Ontario, Canada.
Website : www.bankofcanada.ca, Phone number : 613 782-7669
2. Bank of Montreal -
Established in 1817 as Bank of Montreal, BMO Financial Group (TSX, NYSE: BMO) is a highly diversified financial services organization. With total assets of $549 billion as of July 31, 2013, and more than 46,500 employees, BMO provides a broad range of retail banking, wealth management and investment banking products and solutions. We serve Canadian clients through BMO Bank of Montreal, our personal and commercial banking business, BMO Nesbitt Burns, one of Canada’s leading wealth management firms, and BMO Capital MarketsTM, our North American investment and corporate banking division. In the United States, clients are served through BMO Harris Bank, a major U.S. Midwest personal and commercial bank, and BMO Private Bank, with wealth management offices across the United States, as well as BMO Capital MarketsTM, our North American investment and corporate banking division.
On July 5, 2011, BMO announced that it had completed the acquisition of Milwaukee-based Marshall & Ilsley Corporation (M&I). M&I merged with Harris Bank to form BMO Harris Bank N.A., part of BMO Financial Group. This integration was completed on Octboer 8, 2012, and all branches now operate under the name BMO Harris Bank. We help our customers make money make sense by delivering the broadest range of financial services through a single point of contact. Our financial service professionals provide access to any services our customers require across the entire enterprise.
Address : 100 King Street West, 21st Flr, Toronto, Canada.
Website : www.bmo.com, Phone number : 514-877-7605
3. Bank of Nova Scotia -
Scotiabank is a leading multinational financial services provider and Canada's most international bank. Since welcoming our first customers in Halifax, Nova Scotia, in 1832, Scotiabank has continued to expand its global reach. Today, through our team of more than 83,000 employees, Scotiabank and its affiliates offer a broad range of products and services, including personal, commercial, corporate and investment banking, to some 21 million customers in more than 55 countries around the world.
Our core purpose is to be the best at helping customers become financially better off. Scotiabank's continued growth and success is founded on several key factors:
- A committed team that lives our shared values and works together to provide customers with expert advice and service.
- A solid foundation of key strengths and priorities, including a strong capital base, and excellent risk and expense management skills.
- A straightforward business model anchored in diversification by business, geography, risk, and people, as well as a clear focus on a five-point strategy.
Our Core Businesses
Our strategy of diversification underpins our potential for sustainable earnings growth in each of our four business lines: Canadian Banking, International Banking, Global Banking and Markets and Global Wealth & Insurance, over the long term.
Canadian Banking
Canadian Banking provides a full suite of financial advice and solutions, supported by an excellent customer experience, to over 7.5 million personal and business customers across Canada, via 1,037 branches, 3,527 automated banking machines, as well as internet, mobile and telephone banking, specialized sales teams, and third-party channels.
Canadian Banking is comprised of two main businesses:
- Retail and Small Business Banking provides financial advice and solutions to individuals and small businesses, such as day-to-day banking products, including debit cards, deposit accounts, credit cards, investments, mortgages, loans, and related creditor insurance products.
- Commercial Banking delivers advisory services and a full solutions suite to medium and large businesses including a broad array of lending, deposit and cash management solutions.
International Banking
International Banking encompasses Scotiabank's retail and commercial banking operations in more than 55 countries outside Canada – an international presence unmatched by other Canadian banks. This business line has operations in Latin America, the Caribbean and Central America, and Asia, with more than 73,000 employees (including subsidiaries and affiliates). A full range of personal and commercial financial services is provided to over 13.5 million customers through a network of over 3,000 branches and offices, 7,516 ABMs, mobile, internet and telephone banking, in-store banking kiosks, and specialized sales forces.
Global Banking and Markets
Global Banking and Markets (GBM) is the wholesale banking and capital markets arm of the Bank. It offers an extensive number of products to corporate, government and institutional investor clients. GBM is a full-service lender and investment dealer in Canada and Mexico and offers a wide range of products in the U.S., Central and South America, and in select markets in Europe and the Asia-Pacific region.
GBM provides corporate lending, equity and debt underwriting, and mergers and acquisitions advisory services, as well as capital markets products and services, such as fixed income, derivatives, prime brokerage, securitization, foreign exchange, equity sales, trading and research, energy and agricultural commodities and, through ScotiaMocatta, precious and base metals.
Global Wealth & Insurance
Scotiabank's Global Wealth & Insurance (GWI) business line combines the Bank's wealth management and insurance operations in Canada and internationally, and Global Transaction Banking. GWI is diversified across multiple geographies, product lines and strong businesses.
Global Wealth is an integrated business including asset management and client-facing businesses.
- The asset management business is focused on developing innovative investment solutions for both retail and institutional investors.
- The global client-facing wealth business units include private client, online and full service brokerage, institutional client services and the independent advisor channel. Its focus is on providing advice and solutions for clients in Canada and internationally.
- Global Insurance has four main businesses in Canada: creditor, life and health, home and auto and travel. Internationally, a full range of insurance products (creditor, non-creditor, life and health, and property) are sold to bank customers through a number of different Scotiabank channels.
- Global Transaction Banking (GTB) is a virtual business offering comprehensive business solutions – cash management, payment services, electronic banking, business deposits, and trade services – on a global basis to the small business, commercial and corporate customers of the Bank. It also provides correspondent banking products and services to other financial institutions globally. The results of this unit are included in Canadian Banking.
Address : 44 King St West, Toronto ON, Canada.
Website: www.scotiabank.com, Phone number: 416-866-6161
4. Bank West -
We provide reliable payment processing solutions to merchants across Canada. As an independent alternative to Visa, MasterCard and other credit services, AgriCard is tailored to work best for your business and valued customers. With easy-to-use point of sale (POS) systems and flexible features, we help simplify operations and maximize cash flow for both you and your customers. Maximize Cashflow: with flexible credit limits and payment terms and no membership fees, AgriCard gives your customers the ability to purchase your products and/or services, whenever they need them. Customer Promotions: benefit from marketing and promotional campaigns that drive customers to your door while enabling you to enrich your offering through our extended payment programs.
Build Customer Loyalty: reward your customers with AgriPoints, redeemable for cash discounts and FREE merchandise. We provide a variety of business lending products to sole proprietorships, partnerships and corporations in western Canada. We deal with each customer on an individual basis and don't require you to move all your business—we simply focus on finding the best financing solutions for your specific financing needs. Whether you are a commercial loan broker or the end-client, our team of experts are on hand.
The acquisition of owner-occupied or rental properties, renovations or property improvements, capital restructuring, and refinancing are all situations where Bank West can help. We offer competitive variable rate terms of 1 year, fixed rate terms of 1 to 5 years, and amortization periods up to 25 years. The exact terms of the financing are based on the specifics of your company. Financing and payment options are available, including flexible payment schedules that fit your budget. In addition, we offer a life and disability insurance option to business owners.
Whether you are a commercial loan broker or the end-client, contact us today to speak with one of our commercial financing experts.
Address : 1010-24th Street SE, High River, AB, T1V 2A7, Canada.
Website: www.bankwest.ca, Phone number: 800-784-2504
5. Business Development Bank of Canada -
Our mission
Help create and develop Canadian businesses through financing, venture capital and consulting services, with a focus on small and medium-sized enterprises (SMEs).
Our vision
Accelerate entrepreneurs' success.
In fact, we're solely dedicated to Canadian entrepreneurs. We have a nationwide team helping more than 28,000 businesses reach their full potential.
What we do
Help build Canadian business capacity:
- Financing: long-term loans for projects and working capital
- Consulting services: tailored consulting services at a price businesses can afford
- Subordinate financing: hybrid debt and equity financing
- Venture capital: direct and indirect investments in high technology companies
Our value proposition
We put entrepreneurs' success at the heart of all we do.
BDC employees care about making a difference for Canadian entrepreneurs. They are guided everyday by the following values:
- Ethics
We build solid relationships based on mutual trust. Our actions are guided by integrity and respect for our clients, suppliers, partners and each other.
- Client connection
We share our clients' passion. We care about their success and support them every step of the way. Our relationships are based on entrepreneurial thinking.
- Team spirit
We are enriched by our diversity. We share our wide-ranging expertise to help our clients and the organization grow. We respect each other's differences and work together to succeed.
- Accountability
We honour our commitment to help grow the Canadian economy. We take responsibility for our actions in all our dealings both inside and outside BDC.
- Work/life balance
We recognize that we all face unique challenges in fulfilling the responsibilities of our personal and professional lives. We value a work environment that enables us to achieve a healthy balance.
Address : 5, Place Ville Marie, Suite 400, Montréal, Quebec H3B 5E7, Canada.
Website : www.bdc.ca, Phone number : 877-232-2269
6. Bridgewater Bank -
In the world of banking, common sense has become surprisingly uncommon. Rules are piled on top of rules, making life harder than it needs to be. That’s not what you want. You want unbureaucratic and unconventional service that delivers practical, workable solutions that make sense to you. Quite simply, we focus on what works best for you and back it up with outstanding service. It’s that uncomplicated. We’re Bridgewater Bank and that’s just how we do things.
All You Need To Know
Bridgewater Bank is a Canadian Schedule l chartered bank with over 200 employees and a portfolio of over $4 billion representing over 93,000 accounts across Canada (with the exception of Quebec). We specialize in competitive residential mortgages and deposit products through a select network of brokers. In 2010 we became a MasterCard issuer and are the exclusive issuer of the Canadian Automobile Association (CAA®) Rewards MasterCard®* for nine CAA clubs across Canada. We also offer a variety of financial products through our website and by phone.
Established in 1997, Bridgewater Bank is a wholly owned subsidiary of the Alberta Motor Association (AMA), the largest membership service organization in Alberta. We’re customer-focused, helping you succeed with honest, straightforward service and solutions to meet and exceed your needs.
Under the supervision of the Office of the Superintendent of Financial Institutions (OSFI), Bridgewater Bank holds membership in the following organizations:
- The Canada Deposit Insurance Corporation (CDIC)
- Canadian Payments Association (CPA)
An active partner within the financial services community, Bridgewater Bank is a proud member of numerous industry organizations including:
- Canadian Bankers Association
- Registered Deposit Broker Association (RDBA)
- Canadian Association of Accredited Mortgage Professionals (CAAMP)
- Alberta Mortgage Broker Association (AMBA)
- Independent Mortgage Brokers Association of Ontario (IMBA)
- Mortgage Brokers Association of BC (MBABC)
- Alberta Contact Centre Association (ACCA)
Address : Suite 150, 926-5th Avenue SW, Calgary, Alberta T2P 0N7, Canada.
Website : www.bridgewaterbank.ca, Phone number : 866-243-4301
7. Canadian Imperial Bank of Commerce -
The largest merger of two chartered banks in Canadian history happened on June 1, 1961 - The Canadian Bank of Commerce (established 1867) and the Imperial Bank of Canada (established 1875) merged to form the Canadian Imperial Bank of Commerce (CIBC). Its history spans nearly two centuries and is full of adventure and enterprise. Long-term success requires effective governance. The Board of Directors and management of CIBC are committed to excellence in this regard. While CIBC has already been recognized as a leader in this area, we strive each year for continuous improvements in our governance structure and processes.
Elements of effective governance at CIBC:
Achieving excellence
To achieve excellence in governance, CIBC's Board seeks to maintain a high level of expertise and independence for itself.
Integrated governance model
CIBC's senior management team plays a key role in the overall governance of CIBC's businesses by providing timely and accurate information to the Board to assist the directors in their oversight responsibilities. Regular and candid interaction between the Board and management is another key aspect of strong governance to support the long-term interests of CIBC's stakeholders.
Commitment to transparency
The Board and management of CIBC recognize the importance of consistent and timely communication with CIBC's stakeholders.
Responsible corporate citizenship
Another component of good governance includes being a responsible corporate citizen. CIBC is recognized as a leader in sustainable business practices and corporate social responsibility.
Website : www.cibc.com, Phone number : 416-980-2211
8. Canadian Tire Bank -
As the financial services arm of Canadian Tire Corporation, Ltd., Canadian Tire Financial Services (CTFS) is primarily engaged in marketing the Canadian Tire Options® MasterCard® portfolio to four million Cardmembers. The Options MasterCard is accepted at more than 24 million locations worldwide, and offers the Canadian Tire 'Money' On The Card® awards1 loyalty program. Canadian Tire Financial Services also markets a variety of insurance and related services to more than six million customers. In addition, our emergency roadside service, Canadian Tire Roadside Assistance™, provides peace-of-mind driving to many Canadians. Our goal is to build life long relationships with Canadian Tire customers by providing products and services they truly value.
A part of the Niagara Community for over 40 Years
We began in 1961 as a small financial service company offering third-party credit processing for local retailers. Over the next two decades we provided support in the form of credit-processing facilities for the expanding, nation-wide network of Canadian Tire stores. Concentration of all our efforts on Canadian Tire during this period enabled us to rapidly develop the skills we needed for high-speed, high-volume transaction processing. In 1995, we became the first non-deposit taking, financial institution worldwide to launch a MasterCard called the Options MasterCard. Today, we have grown our MasterCard portfolio to four million cardmembers. In addition, in 2000 we expanded Canada's oldest and most recognized loyalty program, Canadian Tire 'Money' paper coupons, by launching the Canadian Tire 'Money' On The Card awards program. With an Options MasterCard, you can get Canadian Tire 'Money' rewards1 virtually everywhere you use it, not just at Canadian Tire.
In 2003, Canadian Tire Bank was established. A wholly owned subsidiary of CTFS, Canadian Tire Bank operates under federally regulated guidelines and is a perfect strategic fit for CTFS. As we continue to accelerate the growth of our MasterCard portfolio, Canadian Tire Bank will put us on a level playing field with many of our direct competitors. Now Canadian consumers can add Canadian Tire Bank as a stable, trustworthy and quality institution that will provide them with additional variety and choice in products. Canadian Tire Financial Services, with Canadian Tire Bank, currently employs more than 1,600 people, with offices in Welland, St. Catharines, and Burlington, Ontario. We contribute significantly to Canadian Tire Corporation's annual profits, positioning us as an important player in the financial services industry. We operate state-of-the-art Contact Centres in Welland and St. Catharines, which provide World Class Customer Service to our valued Canadian Tire customers nationwide. In fact, the Service Quality Measurement Group Inc. (SQM) has repeatedly recognized us as the "Best Call Centre in North America" and an organization whose overall customer satisfaction ratings are at the world-class level.
We Believe in Keeping Customers for Life
Canadian Tire Financial Services' philosophy is keeping "Customers for Life," and we are committed to providing customer service excellence to our customers and shareholders through the provision of value-added products. Combining the latest in technology with a strong "Values" system, we are building an impressive rate of growth and success. We are committed to achieving growth and innovation through a culture where all employees are encouraged to perform at the top of their game.
Our business is built on four key strategies:
• Knowledge and understanding of our customers and their needs
• Timely development of new services to meet these needs
• Matching the right customer with the right service at the right time
• Providing service, quality, and value that keep "Customers for Life"
We are success driven, operating at a national level, within a thriving community. Creating a performance culture while promoting personal fulfillment is at the heart of what we do every day.
Address : PO Box 2000, Station Main, Welland, ON, L3B 5S3, Canada.
Website : www.ctfs.com, Phone number : 866-681-2837
9. Canadian Western Bank -
Canadian Western Bank (CWB) is the largest publicly traded Canadian bank headquartered in Western Canada. We offer all the services you would expect, like business banking, personal banking and the opportunity to invest for your future. But it's our shared perspective and focus on people that really set us apart. We believe long-term financial success is rooted in hard work. Our common sense approach and commitment to build strong banking relationships help us create and offer solutions to meet the unique needs of each client.
Get to know us through our web site, or contact us directly to see how we can help with your financial services needs. You can view some testimonials about what our clients have to say about us on The Working Bank website. CWB is a member of the Canada Deposit Insurance Corporation. CWB and its operating companies/divisions collectively offer services in the areas of banking, trust, insurance and wealth management, and are together known as Canadian Western Bank Group (CWB Group). Visit - www.cwbankgroup.com for additional information.
Address : 3000, 10303 Jasper Avenue, Edmonton, Alberta T5J 3X6, Canada.
Website : www.cwbank.com, Phone number : 780-423-8888
10. Citizens Bank of Canada -
Citizens Bank is built on the premise that all companies have a responsibility to use their resources to make a positive difference in the world around them. Formed by Vancity in 1997 to take the largest credit union in Canada beyond the borders of B.C., we were the first and we’re still the only bank with a clear ethical policy.
In 2008, we further differentiated ourselves by becoming the first North American-based bank to be carbon neutral. This means the CO2 emissions we create are now equal to the emissions we have reduced or offset elsewhere. As part of Vancity, we achieved this goal through a rigorous emissions reduction program focusing on energy use, staff travel, paper consumption and waste.
Vision
To engage people in a different way of banking that contributes to a better world.
Values
Integrity - Operating with high ethical standards and fully incorporating the member-driven ethical policy into how we do business.
Innovation - Development of new ideas and methods in order to continually improve our effectiveness in
delivering outstanding customer service.
Responsibility - Accountability to the community, our member, our employees, our parent company Vancity,
and the environment for our triple bottom line performance.
As a proud member of the Vancity Group, Citizens Bank is also guided by the Group's Statement of Values and Commitments.
Address : 815 West Hastings Street, 4th Floor Reception, Vancouver, BC V6C 1B4, Canada.
Website : www.citizensbank.ca, Phone number : 604-708-7876
11. Direct Cash Bank -
Who we are
We are a Schedule 1 Canada chartered bank and are regulated by the Office of the Superintendent of Financial Institutions. Based in Calgary, Alberta, our goal has always been to provide exceptional access to your funds without the high fees of your mainstream banking providers. We do this by way of having the largest ATM network in Canada to access cash - with over 7,500 branded terminals.
What we are
DirectCash Bank offers ATM Accounts, Prepaid MasterCards, and Corporate Accounts. Our purpose is simple: You deposit funds, you access your funds securely, and you save money.
Privacy
The privacy of our customers is very important to us. How we deal with personal information is outlined in our privacy code. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have.
CDIC
Direct Cash Bank is a member of the Canadian Deposit Insurance Corporation, meaning our deposits are insured up to a maximum $100,000. Our ATM Account and Corporate Account are eligible for CDIC Insurance.
Other Associations
DirectCash Bank is also a member of The Canadian Payments Association, Interac Association, MasterCard International and Maestro International.
Address : Bay 6, 1420 - 28th Street NE, Calgary, Alberta, Canada.
Website : www.dcbank.ca, Phone number : 888-466-4043
12. First Nations Bank of Canada -
Our Vision Statement
"The Aboriginal Bank"
Our Mission Statement
First Nations Bank of Canada is a competitive, capable, service oriented provider of financial services. Our focus is the Aboriginal market in Canada. We are a leader in the provision of financial services to Aboriginal People and an advocate for the growth of the Aboriginal economy and the economic well-being of Aboriginal People. We increase shareholder value by participating in and promoting the development of the Aboriginal Economy.
Our Profile
First Nations Bank of Canada (the "Bank") is a Canadian chartered bank primarily focused on providing financial services to the Aboriginal marketplace in Canada. First Nations Bank of Canada is over 80% Aboriginal owned and controlled. The Bank offers Aboriginal and non-Aboriginal people, corporations and governments a full range of personal and business banking services including loans, mortgages, investments (registered and non-registered), transaction accounts and cash management. First Nations Bank of Canada is an approved member of Canada Deposit Insurance Corporation, the Canadian Payments Association and is an approved mortgage lender with Canada Mortgage and Housing Corporation.
Address : Unit #1, Thunderbird Plaza, RR #3, Wallaceburg, ON, N8A 4K9, Canada.
Website : www.fnbc.ca, Phone number : 306-955-3622
13. General Bank of Canada -
General Bank of Canada is comprised of people who share a passion for two things:
The automotive business, and great customer service. Our roots in the car business go deep. Our founding family has been in the business of helping people with their automotive needs, and providing ancillary products such as insurance and warranties for over 50 years.
Our executive, credit, and sales teams are all "car people", with well over a century of experience between us. In a business that is highly commoditized, we strive to make a difference by providing the best service levels in the business, at prices that are competitive.
Address : 11523-100 Avenue, Suite 006, Edmonton, Alberta, T5K 0J8, Canada.
Website : www.generalbank.ca, Phone number : 780-443-5626
14. Home Equity Bank -
HomEquity Bank originates and administers Canada's largest portfolio of reverse mortgages under the CHIP Home Income Plan brand. HomEquity Bank and its predecessor, Canadian Home Income Plan Corporation, has been the main underwriter of reverse mortgages in Canada since pioneering the concept in 1986. HomEquity Bank’s CHIP Home Income Plan is a solution that meets the needs of Canada’s retired homeowners. With increasing demands on their retirement savings, many Canadian seniors need additional funds to live their lives to the fullest. The CHIP Home Income Plan is an ideal solution. With it, seniors can monetize a significant portion of the investment in their homes while continuing to live there.
Since its inception, the CHIP Home Income Plan has helped thousands of Canadian seniors achieve a more secure retirement. The heightened demand for our product solution is driven by demographics and by the awareness of seniors and their financial advisors. HomEquity Bank is owned by Birch Hill Equity Partners (“Birch Hill”). With $2 billion in capital under management, Birch Hill has invested in more than 50 investments since 1994; Birch Hill is the leader in long-term value creation in the Canadian mid market. For more information about Birch Hill Equity Partners, please visit www.birchhillequity.com.
Address : 1881 Yonge Street, Suite 300 , Toronto, ON, M4S 3C4, Canada.
Website : www.homequitybank.ca, Phone number : 416-925-4757
15. Jameson Bank -
Jameson Bank (formerly Jameson International Foreign Exchange) was founded in 1989 by Mr. James K. Lau in a small office with 2 people. We now have employees and offices across Canada. On July 22 2008, Jameson became a Canadian Schedule I Bank, Canada’s first treasury bank, and the first privately owned bank in Ontario.
Address : Simcoe Place, 200 Front Street West, Suite 2203, Toronto, ON M5V 3K2, Canada.
Website : www.jamesonbank.com, Phone number : 800-363-7363
16. Laurentian Bank of Canada -
Laurentian Bank is a pan-Canadian financial institution recognized for its service excellence, simplicity and commitment to maintaining proximity to its clientele. In addition to occupying a privileged position among Québec consumers with the third largest branch network in the province, the Bank has earned a solid reputation elsewhere in Canada as a leading player in select markets. Laurentian Bank clearly stands apart from other banking institutions, having distinguished itself for the respect and attentiveness it consistently shows towards its clients. In fact, the Bank has always stayed true to the approach it adopted when it was founded more than 167 years ago — constantly remaining close to people.
For individuals, being a client of Laurentian Bank means having access to top-quality services tailored to their specific needs and aspirations. The Bank’s Financial Services Boutiques, for example, serve as an expression of its innovative spirit and of its dedication to continuously enhancing the client experience. As part of this philosophy, the Bank has adopted its distinctive family orientation, which includes reserving areas for children at some of its branches and supporting various events and organizations geared towards young families. Laurentian Bank also serves as a unique source of solutions for businesses — particularly SMEs, for which it has a strong affinity. The Bank especially stands apart for its personalized service, its line of competitive products, and for its effective support. At the same time, it constantly adapts to the realities of its commercial clients, while maintaining the proximity that is its hallmark.
Laurentian Bank is a major player in the area of real estate and commercial financing. The institution has specialized teams in place to cater to this sector at more than 38 offices located in Québec, Ontario, Alberta and British Columbia. For its part, Laurentian Bank’s B2B Bank subsidiary is a leader in the provision of banking products to brokers and financial advisors across Canada. In fact, B2b has been proudly devoted to effectively meeting the needs of this specific clientele for over a decade. Finally, the Bank provides investors with a range of integrated brokerage services through its Laurentian Bank Securities subsidiary, whose effectiveness and expertise are recognized across Canada.
Our Values
Passion for client interests - because our clients are our very raison d’être.
Simplicity - because life is complicated enough.
Entrepreneurship - because we take our organization’s development and growth very much to heart.
Integrity - because it is all about the assets of our clients and their future.
Teamwork - because our success depends on our collective efforts.
What constitutes our greatest strength are our 4,200 or so employees devoted to meeting the financial needs of our clients efficiently and with total integrity at more than 235 service points across Canada, including 155 bank branches, 38 commercial banking centres and 16 brokerage offices.
Address : 1981, McGill College avenue, Suite 1585, Montreal, Quebec, H3A 3K3, Canada.
Website : www.laurentianbank.com, Phone number : 514-284-4500
17. Manulife Bank of Canada -
Established in 1993, Manulife Bank of Canada (Manulife Bank) was the first federally regulated bank opened by an insurance company in Canada. It is a Schedule l federally chartered bank and a wholly-owned subsidiary of Manulife Financial, one of Canada's leading financial institutions. Today, Manulife Bank serves clients across Canada in all provinces and territories. With a high-quality loan portfolio, the majority of loans being in residential mortgages, Manulife Bank is a profitable and well-capitalized organization. Trying to choose from among the thousands of banking products available in Canada can be a confusing and frustrating task. We think it should be easy for you to find great banking products. That's why we provide our products through financial advisors. Your advisor understands your unique situation and can recommend banking products that will help you achieve your broader financial goals. And, because we always provide our best products and rates up front, you can be confident you're getting the best products and rates we have, whether it's today or five years from now. Let your financial advisor provide you with premium, no-haggle banking solutions that complement your financial plan. With Manulife Bank, you get all this, plus the security you expect. Now, that's banking, the way it should be.
Manulife Trust Company (Manulife Trust) is a federally chartered trust company licensed to do business in all Canadian provinces and territories. Established in 2010, it is a wholly-owned subsidiary of Manulife Bank. Like its parent company, Manuilfe Bank, Manulife Trust is a member of CDIC. Manulife Trust offers select deposit products in nominee name and Preferred Rate Mortgages in all Canadian provinces and territories.
Address : 500 King Street North, Suite 500-MA, P.O. Box 1602 STN Waterloo, Waterloo, ON N2J 4C6, Canada.
Website : www.manulifebank.ca, Phone number : 877-765-2265
18. National Bank of Canada -
History
Rome was not built in a day, and neither was National Bank. Over the years, a series of well-planned mergers, acquisitions and associations that have helped make the Bank the partner of choice for businesses and individuals in Canada and abroad.
Network
National Bank has a vast network of service units including branches, international centres in Canada and abroad, foreign-exchange counters, commercial banking centres, etc. Consult this section to find the service unit nearest you!
Subsidiaries
Over the years, National Bank has made a concerted effort to diversify its products and services in order to become the only financial partner you need. This has involved creating a number of subsidiaries, and we take pride in the way we've integrated their service offerings into our branch network.
Diversity
At National Bank Financial Group, diversity is part of our culture. It finds its expression in our officers’ and employees’ concrete actions and close relationships with the communities we serve. Our company has received national recognition in this area.
Our Commitment to Diversity
Diversity is more than just a word: it's a value that is expressed by Senior Management and the approximately 18,000 employees of National Bank Financial Group.
Cultivating Relationships with the Community
By cultivating relationships with the communities it serves, National Bank Financial Group encourages women, men, visible minorities, persons with disabilities and Aboriginal people to find a place for themselves within our organization. One of the things we have done is to set up different strategies to facilitate integration and career advancement.
Address : 1155 Metcalfe, 5th floor, Montreal, Québec, H3B 4S9, Canada.
Website : www.nbc.ca, Phone number : 514-394-5000
19. Pacific & Western Bank of Canada -
Pacific & Western Bank of Canada, a Schedule I chartered bank, has grown its assets consistently and significantly from an initial vision for a new kind of financial institution. PWBank's vision was to make full use of emerging technologies to transform its originally small size, traditionally a handicap in the banking industry, into an advantage by achieving record efficiencies in both time and money. Pacific & Western built a "branchless" bank, investing capital in highly-skilled, experienced people, and in advanced computing technologies, rather than in bricks and mortar. PWBank took advantage of existing brokerage networks to raise deposits. And it focused on specific niches in which the Bank has a Home Hardware Logogreat wealth of experience – financing well established corporations and public sector entities. The Bank has a seasoned team of expert lenders in three primary areas, Commercial and Corporate Lending, Real Estate Lending and Public Sector Lending. Each group operates throughout Canada providing lending services coast to coast. Additionally, the Bank offers the Home Credit Card with its partner Home Hardware Stores Limited.
To this day, PWBank's growth, corporate structure, and operations reflect its original vision. The Bank's staffing is streamlined, with an asset to employee ratio, a quantifiable measure of productivity, approximately four times better than that averaged by other banks. PWBank continually improves its technologies to support its rapid growth. And it has established a dedicated risk management group to ensure growth does not exceed capabilities. Pacific & Western is fast, focused and friendly. The Bank provides two primary services: deposits and financing. PWBank is organized into two distinct operating divisions for these services given that each requires different strategies and each transacts business in different markets. The Bank's Head office is in London, Ontario. Deposit services operate from the Saskatoon, Saskatchewan, corporate office, with a nationwide broker network raising deposits on the Bank's behalf. Financing services operate from the Bank's various Lending offices located throughout Canada - Toronto, Waterloo, London, Saskatoon and Vancouver - where PWBank provides Commercial and Corporate Lending, Real Estate Lending and Public Sector Lending. Experienced and efficient – Pacific & Western Bank builds shareholder value in a fresh, new way.
Address : 140 Fullarton Street, Suite 2002, London, Ontario N6A 5P2, Canada.
Website : www.pwbank.com, Phone number : 519-645-1919
20. Royal Bank of Canada -
Royal Bank of Canada (RY on TSX and NYSE) and its subsidiaries operate under the master brand name RBC.
- We are one of Canada's largest banks as measured by assets and market capitalization, and are among the largest banks in the world, based on market capitalization.
- We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management services, insurance, corporate and investment banking and investor services on a global basis.
- We employ approximately 80,000 full- and part-time employees who serve more than 15 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 44 other countries.
Vision
Always earning the right to be our clients' first choice
Strategic Goals
- In Canada, to be the undisputed leader in financial services.
- Globally, to be a leading provider of capital markets and wealth management solutions.
- In targeted markets, to be a leading provider of select financial services complementary to our core strengths.
Values
- Excellent service to clients and each other
- Working together to succeed
- Personal responsibility for high performance
- Diversity for growth and innovation
- Trust through integrity in everything we do
Address : 200 Bay Street, South Tower, Toronto, Ontario, Canada M5J 2J5.
Website : www.rbc.com, Phone number : 416-974-5151
21. Toronto Dominion Bank -
We help you achieve your goals by giving you all the benefits of the ongoing and dedicated involvement of a skilled Relationship Manager. This business banking specialist will take the time to understand your business and then work with you to customize the products and services that best meet your needs. TD provides business solutions to companies of all sizes. If your business generates annual revenues of $5,000,000 or more, Commercial Banking can assist you. Our team of experienced specialists located at Commercial Banking Centres across Canada will work with you to help create a banking solution that supports your business. If your business generates annual revenues up to $5,000,000 or does not require the expertise of a TD Commercial Banking Relationship Manager, please visit our Small Business Banking website. Contact us today to discuss how, together, we can create a flexible and customized business banking strategy that’s right for your company now and into the future.
TD Canada Trust EasyWeb Internet banking makes everyday banking faster and easier.
- Manage your accounts with secure 24/7 access
- Access EasyWeb from anywhere you can access the Internet
- Use EasyWeb on your mobile device, by downloading the free TD Mobile App
- Get the security of our Online Security Guarantee
Address : 55 King St. West Toronto, Ontario M5K 1A2, Canada.
Website : www.td.com, Phone number : 416-982-8222
China
1. Agricultural Bank of China (ABC) –
The predecessor of Agricultural Bank of China is Agricultural Cooperative Bank established in 1951. Since the late 1970s, the Bank has evolved from a state-owned specialized bank to a wholly state-owned commercial bank and subsequently a state-controlled commercial bank. The Bank was restructured into a joint stock limited liability company in January 2009. The Bank was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange, respectively in July 2010, which marked the completion of our transformation into a public shareholding commercial bank.
Being one of the major integrated financial service providers in China, the Bank is committed to catering to the needs of Sannong and capitalizing on the synergy between the Urban Areas and the County Areas. The Bank strives to expand into the international market and provides diversified services so as to become a first class modern commercial bank. Capitalizing on the comprehensive business portfolio, extensive distribution network and advanced IT platform, the Bank provides various corporate and retail banking products and services for a broad range of customers and carries out treasury operations for our own accounts or on behalf of customers. Our business scope includes, among others, investment banking, fund management, financial leasing and life insurance. At the end of 2012, the Bank had total assets of RMB13,244,342 million, deposits of RMB10,862,935 million and loans of RMB6,433,399 million. Our capital adequacy ratio and non-performing loan ratio were 12.61% and 1.33%, respectively. The Bank achieved a net profit of RMB145,131 million in 2012.
The Bank had 23,472 domestic branch outlets, including the Head Office, the Business Department of the Head Office, three specialized institutions managed by the Head Office, 37 tier-1 branches (including branches directly managed by the Head Office), 348 tier-2 branches (including business departments of branches in provinces), 3,482 tier-1 sub-branches (including business departments in municipalities, business departments of branches directly managed by the Head Office and business departments of tier-2 branches), and 19,600 other establishments. Our overseas branch outlets consisted of four overseas branches and five overseas representative offices. Our major subsidiaries consisted of nine domestic subsidiaries and three overseas subsidiaries.
In 2012, the Bank ranked No. 84 in Fortune’s Global 500, and ranked No. 5 in The Banker’s “Top 1000 World Banks” list in terms of profit before tax for the year of 2011. In 2012, the Bank’s issuer credit ratings were assigned A/A-1 by Standard & Poor’s; the bank deposits ratings were assigned A1/P-1 by Moody’s Investors Service; and the long-/short-term foreign-currency issuer default ratings were assigned A/F1 by Fitch Ratings. The Bank’s outlook ratings assigned by the above credit rating agencies were “stable”.
Address : No.69,Jianguomen Nei Avenue,Dongcheng District,Beijing, P.R.China,100005.
Website : www.abchina.com, Phone number: +86-10-8510-9619
2. Bank of Communications -
BOCOM provides account management services. Accounts include basic deposit accounts, common deposit accounts, special deposit accounts and temporary deposit accounts.
(1) Basic account
A basic account is an account catering to customers’ daily needs for transfer settlement as well as the cash receipt and payment. Cash withdrawals such as salaries and bonuses can only be conducted through this account. Depositors are only allowed to open one basic deposit account at the bank.
Procedures for opening a basic account:
a. The customer submits to BOCOM the original copy of Corporate Legal Person License or Business License issued by the local industrial and commercial administration authorities, Legal Person Code Certificate of the People’s Republic of China (duplicate) or code card;
b. The customer collects from BOCOM and fills out an Account Opening Application in triplicate, endorsed by company chop and name chop of the legal person’s representative or the name chop of the authorized personnel (attached with the name chops of the subsidiary unit and supervisory unit), along with the unit’s signature card and submits them to BOCOM.
c. Upon review and approval, BOCOM will imprint its company chop on the Account Opening Application form and assign an account number. The bank will maintain a copy for itself and send another copy to the customer;
d. Within two days of opening the account, the customer shall submit a copy of the Account Opening Application form directly to the local branch (accounting office)of the People’s Bank of China, or through a local BOCOM branch.
e. The customer collects a basic deposit account opening permit from the local branch of the People’s Bank of China.
(2) Common account
A common account is an account catering to needs for bank loan and fund transfer among depositors, in addition to their basic deposit accounts. It is opened by a non-independent accounting subsidiary unit at a venue that is different from that of basic deposit account holders. Depositors can make transfer settlements and cash deposits in this account, but they are not allowed to conduct cash withdrawals from it.
General account-opening procedures:
a. The customer submits to BOCOM the original copy of Corporate Legal Person License or Business License, Legal Person Code Certificate of the People’s Republic of China (duplicate) or code card, along with the basic deposit account opening permit;
b. Other account-opening procedures are the same as that of general deposit accounts.
(3) Special account
A special deposit account is an account opened by the depositor for specific purposes.
a. Scope of use
For specific purposes, the required funds will be under management of the special account.
b. Procedures for opening an account
Procedures in applying for and opening a special account are the same as that of basic deposit accounts.
(4) Temporary account
A temporary deposit account is an account opened by the depositor due to ad hoc commercial activities. With this account, the depositor can conduct transfer settlement and fund collection and payment in accordance with state regulations on cash management.
a. Scope of use
1) Provisional organization from other cities
2) Ad hoc commercial activities
b. Procedures for opening an account
1) Submit to BOCOM a provisional license issued by the local industrial and commercial administration authorities, and approval documents issued by the competent local authority.
2) Other account-opening procedures are to the same as that of opening general deposit accounts.
Address :188, Yinchengzhong Road, Shanghai, Postcode : 200120, China.
Website : www.bankcomm.com, Phone number : 86-21-95559
3. China CITIC Bank -
We are a Hong Kong-based full-service commercial bank that offers a broad spectrum of financial services spanning wealth management, personal banking, wholesale banking as well as global markets and treasury solutions. We aspire to be the “China Bank of Choice”, with the best international standards and capabilities. By providing value-creating financial solutions, we define and exceed both the wealth management and international business objectives of our Greater China and overseas customers.
Vision
To be the China Bank of Choice
Mission
- To be the China Financial Solutions Provider of Choice for institutional and personal customers who aspire to realise the growth potential in Asia.
- We focus on value creation for our stakeholders. Core to our offering is our intimate knowledge of and our network capability in China, coupled with our customer-centric execution of world-class quality.
- Nurturing of talent, team spirit and sharing of ownership and success are a key competitive advantage of ours.
Core values
- Customer-Centric
- Progressive
- Execution
- Value Creating
- Building People, Building Team
- Integrity
Address : 232 Des Voeux Road Central, HK, China.
Website : www.cncbinternational.com, Phone number : 86-21-95558
4. China Construction Bank -
We are a leading commercial bank in China providing a comprehensive range of commercial banking products and services. Our business consists of three principal business segments: corporate banking, personal banking, and treasury operations. We are among the market leaders in China in a number of products and services，including infrastructure loans，residential mortgage and bank cards.
We have an extensive customer base, with established banking relationships with many of the largest business groups and leading companies in industries which are strategically important to China's economy. At the end of 2011, the Bank had a network of 13,581 branches and sub-branches in Mainland China, maintained overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul, New York, Ho Chi Minh City and Sydney, and representative offices in Taipei and Moscow, and owned multiple subsidiaries, such as CCB Asia, CCB Financial Leasing, CCB International, CCB Trust, Sino-German Bausparkasse, CCB London, CCB Principal Asset Management, and CCB Life. The Group provides comprehensive financial services to its customers.
Address : 25, Finance Street, Xicheng District, Beijing, Postcode-100032, China.
Website : www.ccb.com, Phone number : 86-10-6621
5. China Development Bank -
CDB made significant progress in 2012 as it continued to promote a balanced combination of stability and growth in the Chinese economy. Our rigorous business development was kept well-aligned with national economic priorities of restructuring, inclusiveness, and reform. CDB boasts total assets of RMB 7.52 trillion with the non-performing loan ratio being at below 1% for the 31st consecutive quarter as of the end of 2012. We achieved net profits of RMB 63.1 trillion and maintained a capital adequacy ratio of 10.92%, reflecting enhanced sustainability and risk control. CDB accounts for 39.3% of the banking industry's investment in major national initiatives; our non-individual long-term lending grew by RMB 604.9 billion in 2012, with RMB 338.2 billion dedicated to new projects in energy, agriculture, water, telecommunications, and public infrastructure.
Increased investments in our regional portfolios were seen most clearly in central and western China (up RMB 345.1 billion in 2012) and northeast China (up RMB 70.3 billion), with more focused support for Xinjiang and ethnically Tibetan regions. These investments helped to achieve greater balance in regional development. CDB financed restructuring and modernisation in traditional industry sectors as well as innovation in strategic growth companies, facilitating rapid business development among key clients. CDB emphasised green credit and low-carbon finance in 2012, with over RMB 249.1 billion in new loans to environmental conservation, energy efficiency, and emissions reduction programmes. New lending to the cultural services sector in the year was RMB 23.4 billion. CDB loans to social housing projects grew by RMB 116.6 billion in 2012, a full 60% of total bank lending to the sector nationwide. Rural communities benefitted from new loans of RMB 21.6 billion to modernize agriculture and RMB 135 billion to improve rural infrastructure. Innovative financing models helped to relieve pressure on the SME sector, which last year received new loans totaling RMB 264.5 billion. CDB also financed water infrastructure to the tune of RMB 66.2 billion in conjunction with the Ministry of Water Resources. CDB issued student loans worth RMB 12 billion in 2012; over the years, these loans benefitted a cumulative total of 7.7 million young people across China.
2012 was an eventful year for CDB from a global perspective, as we continued to strengthen foreign partnerships and support Chinese investment and acquisitions overseas. CDB boasts excellent asset quality in its outstanding balance of USD 224.5 billion in foreign currency denominated loans as of the end of 2012. Total capital raised in 2012 reached nearly RMB 2.2 trillion, with over RMB 1.2 trillion in yuan-denominated bond issues and over USD 100 billion in foreign currency. Capital constraints were further loosened with RMB 20 billion in issues of subordinated debt instrument. This past year also saw the successful debut of CDB's "basket" of key-term maturity benchmark bonds; two issues of the 50-year long-dated bond raised RMB 51 billion; a total of RMB 6.0 billion in debt offering in Hong Kong. In 2013, CDB will continue to highlight the role of innovation and strategic planning in our development finance practices, focusing our support on urbanization and increasing our investment in infrastructure, industry, social initiatives, and cross-border collaboration.
Address : 18, Fuxingmennei Street, Xicheng District, Beijing, P.R.China-100031.
Website : www.cdb.com.cn, Phone number : 86-10-6830
6. Export-Import Bank of China -
Founded in 1994, the Export-Import Bank of China is a state bank solely owned by the Chinese government and under the direct leadership of the State Council. Its international credit ratings are the same as China's sovereign ratings. The Bank is headquartered in Beijing. Up to now, the Bank had more than 20 domestic business branches and three overseas representative offices, namely, the Representative Office for Southern and Eastern Africa, Paris Representative Office and St. Petersburg Representative Office. It has established correspondent banking relationship with more than 1,000 banks.
Mission
The Bank's main mandate is to facilitate the export and import of Chinese mechanical and electronic products, complete sets of equipment and new- and high-tech products, assist Chinese companies with comparative advantages in their offshore project contracting and outbound investment, and promote international economic cooperation and trade.
Business Scope
- Export credit and import credit;
- Loans for offshore contracts and overseas investment;
- Chinese Government Concessional Loan;
- International guarantee;
- Onlending loans from foreign governments and international financial institutions;
- International and domestic settlement and corporate deposits under the loan facilities provided by the Bank;
- Raising funds in domestic and international capital markets and money markets;
- International inter-bank loans, organizing or participating in international and domestic syndication loans;
- Renminbi inter-bank borrowing/lending and bond repurchases;
- Foreign exchange transaction and approved risk-protection foreign exchange (FX) business for client;
- Creditworthiness investigation, consultation, appraisal and witness services which are relevant to the Bank's business;
Other business approved or entrusted.
We look forward to establishing extensive contact and expanding cooperation with friends in financial, economic, and trade sectors both at home and abroad.
Address : 30, FuXingMenNei Street, XiCheng District, Beijing 100031, P.R.China.
Website : eximbank.gov.cn, Phone number : 86-10-8357-9988
7. Hua Xia Bank -
Hua Xia Bank started operation in Beijing in October 1992 when China ushered in the program of opening up and reform led by Chief Architect Deng Xiaoping. The Bank became a nationwide joint stock commercial bank after restructuring in March, 1995. In September 2003, Hua Xia Bank went public as the fifth of Chinese banks listed on the Shanghai Stock Exchange (Stock Ticker: 600015). In October 2005, Hua Xia Bank entered into an agreement with the international strategic investor, Deutsche Bank, and completed two rounds of private placement of new shares in October 2008 and April 2011 respectively.
As of end of June 2012, Hua Xia Bank has in place a "hub-and-spoke" network of 33 tier-1 branches, 23 tier-2 branches, 12 cross-city sub-branches and 437 outlets in 68 major cities, and a settlement network of more than 1000 correspondent banks located in 320 cities across 110 countries and regions covering major global trade zones. With total assets of RMB 1354.515 billion, Hua Xia Bank witnessed fast growth and gained impressive profitability with improving asset quality and optimized business structures. The operation efficiency as well as all lines of business is growing at a brisk pace. Hua Xia Bank ranked 97th by asset in 2012 according to The Banker's Top 1000 World Banks ranking published in July. In 2011, it ranked 306th among Top 500 Chinese Enterprises, 96th among Top 500 Chinese Service Enterprises and 67th among Top 200 Chinese Enterprise Performance.
Serving real economy remains a clear focus for Hua Xia Bank and can be evidenced by a range of efforts to forge a brand of "SME Financial Service Provider". In response to the national macro policy of economic development, Hua Xia Bank matches financial services with customers’ demand by supporting the projects of low-income housing construction and urban-rural integration. The Bank aims to be an active player in serving the local economy. More loans are offered to cultural companies and innovative services are provided to serve the "Agriculture, Rural Areas and Farmers", more outlets are set up in the villages and counties. In serving the micro and small enterprises (MSEs), Hua Xia Bank launched the "Dragon Boat Program" to provide "small, swift, smart" services. The availability and strength of local financial services to MSEs are supported by increasing number of special branches, as well as “Hua Xia Star" marketing campaign. Growth of MSE business in Hua Xia Bank remains higher than the Bank's average growth. Hua Xia Bank won the "2011 SME Support Award" in the Bank Competitiveness Ranking in Asia and was named "Best SME Finance Bank" in "2011 CBN Annual Financial Value Ranking".
Address : 22, Jianguomennei Street, Dongcheng District, Beijing, P.R.C, Postcode : 100005, China.
Website : www.hxb.com.cn, Phone number : 86-10-1955-77
8. Industrial and Commercial Bank of China -
In 2011, Industrial and Commercial Bank of China Limited ("ICBC") remained committed to serve the real economy during an extraordinarily difficult year. The Bank forged ahead business re-orientation and development advance by better aligning the diversified needs of financial services from customers. Through spreading effort on a global scale and integrated operation, ICBC stepped up its reform backed by robust corporate governance practices and risk management. ICBC was well- positioned to remain as the world's largest bank by market value, customer deposit.
Business Review
At the end of the year, ICBC had 408,859 employees under payroll. ICBC provided a wide range of financial products and services to 4.11 million corporate clients and 282 million individual customers through 16,648 outlets across China, 239 overseas subsidiaries and a global network of more than 1,669 correspondent banks as well as Internet Banking, Telephone Banking and Self-service Banking. ICBC established strong presence by its commercial banking operation and rapid expansion to markets worldwide. ICBC held the top slots in the country in many business areas of commercial banking. At the end of 2011, total assets reached RMB 15,476.868 billion, representing an increase of RMB 2,018.246 billion, or 15.0% over the end of previous year; Total liabilities reached RMB 14,519.045 billion at the end of 2011, up RMB 1,882.08 billion, or 14.9% from a year earlier. Having a 25.6% increase against previous year in net profit to RMB 208.445 billion in 2011, ICBC defended its position as the world’s most profitable bank. Return on average total assets and return on weighted average equity on par with the international standard, were at 1.44% and 23.44% respectively. Earnings per share rose RMB 0.12 from a year earlier to RMB 0.6. Ratio of non-performing loans fell to 0.94 percent, down 0.14 percentage points against previous year. Bad loan balance and ratio "both declined" in the twelve years in a row. ICBC scaled up its capital strength and sustainable development by securing capital adequacy ratio and core capital adequacy at 13.17% and 10.07% respectively.
Corporate Banking
In 2011, ICBC bolstered its business portfolio and advanced the transformation of Corporate Banking in line with the changes in the macro environment. One focus was to expand the customer base through different enhanced services targeting at different customers, especially services to key customers and small-and-medium business owners. In order to meet the demand of customers for diversified financial services, ICBC exerted concrete steps to increase synergy between commercial banking and investment banking through service innovation and all-product marketing. Asset management, account services, asset support services, intermediary finance services were financial asset services for large customers. Leveraging its global service network and integrated IT platform covering all ICBC branches at home and abroad, ICBC supported "go global" projects of Chinese enterprises. Global cash management, cross-border RMB services were some of the global services of ICBC to serve worldwide customers. ICBC has been named "Best Corporate Bank in China" by the UK Financial Times. At the end of 2011, the Bank had 4.11 million corporate customers，while 127,000 customers had loan balances with the Bank, or an increase of 25,000 customers over end of previous year. According to data from People's Bank of China, by end of 2011 ICBC ranked No. 1 among the domestic banks in terms of corporate loans and corporate deposits with market shares of 12.0% and 12.7% respectively.
Address : 55, Fu Xing Men Nei Street, Xicheng District, Post Code :100140, Beijing, P.R.C, China.
Website : www.icbc.com.cn, Phone number : 86-10-95588
9. Poeple's Bank of China -
The People's Bank of China (PBC) was established on December 1, 1948 based on the consolidation of the Huabei Bank, the Beihai Bank and the Xibei Farmer Bank. In September 1983, the State Council decided to have the PBC function as a central bank. The Law of the People's Republic of China on the People's Bank of China adopted on March 18, 1995 by the 3rd Plenum of the 8th National People's Congress has since legally confirmed the PBC's central bank status.
With the improvement of the socialist market economic system, the PBC, as a central bank, will play an even more important role in China's macroeconomic management. The amended Law of the Pople's Republic of China on the People's Bank of China, adopted by the 6th meeting of the Standing Committee of the 10th National People's Congress on December 27, 2003, provides that the PBC performs the following major functions :
(1) Drafting and enforcing relevant laws, rules and regulations that are related to fulfilling its functions;
(2) Formulating and implementing monetary policy in accordance with law;
(3) Issuing the Renminbi and administering its circulation;
(4) Regulating financial markets, including the inter-bank lending market, the inter-bank bond market, foreign exchange market and gold market;
(5) Preventing and mitigating systemic financial risks to safeguard financial stability;
(6) Maintaining the Renminbi exchange rate at adaptive and equilibrium level; Holding and managing the state foreign exchange and gold reserves;
(7) Managing the State treasury as fiscal agent;
(8) Making payment and settlement rules in collaboration with relevant departments and ensuring normal operation of the payment and settlement systems;
(9) Providing guidance to anti-money laundering work in the financial sector and monitoring money-laundering related suspicious fund movement;
(10) Developing statistics system for the financial industry and responsible for the consolidation of financial statistics as well as the conduct of economic analysis and forecast
(11) Administering credit reporting industry in China and promoting the building up of credit information system;
(12) Participating in international financial activities at the capacity of the central bank;
(13) Engaging in financial business operations in line with relevant rules;
(14) Performing other functions prescribed by the State Council.
Address : 32, Chengfang street, Xi Cheng district, PostCode : 100800, Beijing, China.
Website : www.pbc.gov.cn, Phone number : 86-10-6619-4114
10. Bank of Beijing -
Bank of Beijing was established in January 1996 and has developed as a listed bank with Sino-foreign strategic partnership. In the past 15 years, the Bank followed its mission to “credit value for clients, create return for shareholders, create future for staff and create wealth for society”. Relying on the booming domestic economy, the Bank has achieved several milestones, including introducing overseas strategic investors, public listing, setting up regional operation in Beijing, Tianjin, Shanghai, Xi’an, Shenzhen, Hangzhou, Changsha, Nanjing, Jinan and Nanchang. The Bank also initiated the establishment of Yanqing Village Bank, set up representative offices in Hong Kong and Amsterdam, and initiated Bank of Beijing Consumer Finance Company – the first consumer finance operation in China. Bank of Beijing has also established insurance joint venture BoB-ING Life Insurance, becoming the first small/medium-sized bank operating in that field.
As of the end of 2010, Bank of Beijing’s total assets balance, total deposits balance and total loans balance was 733.2 billion, 557.7 billion and 334.7 billion Yuan respectively. Net profit realized was 6.8 billion Yuan, with a year-on-year growth of 20.75%. NPL balance and ratio further declined to 2.32 billion Yuan and 0.69%. Provision coverage ratio, CAR and core CAR reached 307%, 12.62% and 10.51% respectively, all of which at high level. The Bank has achieved balanced sustainable development of both scale and structure as well as pace and quality. On the latest World Top1000 Banks list issued by “The Banker”, Bank of Beijing ranks No.145 in terms of tier1 capital; on the list of Asian banks competitiveness, the Bank ranks No.13, which is No.7 in China; on the aspect of brand value, the Bank holds No.9 in China’s banking sector. With the outstanding performance and excellent products and services, Bank of Beijing is highly appraised by the public. The Bank received several honors such as “Best regional bank”, “Best Chinese city commercial retail bank”, “2009 Top10 listed Asian banks”, “Top100 Chinese listed companies”, “Outstanding Chinese companies for social responsibility”, “Listed companies with most sustainable investment value” and “National civilized units” etc.
Website : www.bankofbeijing.com.cn, Phone number : 86-10-95526
11. China Merchants Bank -
Established in 1987 in Shenzhen, the forefront of China’s reform and opening-up drive, China Merchants Bank ("CMB") is China’s first joint-stock commercial bank and also the first bank to attend the national experiment for the promotion of China’s banking industry reform driven by endeavors from outside the government.
Since its inception 24 years ago, CMB has grown with China’s economic progress from a small bank with a capital of 100 million yuan, one branch and over thirty employees into a nationwide joint-stock commercial bank that has a total net capital of 140 billion yuan, a total asset of 2.6 trillion yuan, over 800 branches and over 50,000 employees, ranking it among the world’s top 100 banks. CMB has developed into the most influential commercial bank brand in China thanks to continuous financial innovation, quality customer service, prudent management and strong business performance. For many consecutive years, CMB has been ranked among China’s top commercial banks according to comprehensive assessment by CBRC. The bank has won a number of titles, including the Best Commercial Bank of China, the Best Retail Bank in China, the Best Private Bank in China, China’s Best Custody Specialist from the British Financial Times, Euromoney and The Asset. The Bank was shortlisted as a World-Class Chinese Brand and ranked No. 1 in the P/B list of the world’s top 50 banks with the largest market value by the British Financial Times. It was also listed No.60 among the world's Top 1,000 Banks by The Banker.
From January to September 2011, CMB has obtained a net profit attributable to shareholders of 28.388 billion yuan, a 37.91% year-on-year increase; an operating income of 70.29 billion yuan; a net interest income of 55.624 billion yuan, a 36.1% year-on-year increase thanks to the increased interest earning assets and a steadily rising net interest spread and net interest margin. Currently, CMB has 82 branches and 763 sub-branches in 96 cities, 2 branch-level specialized agencies (the Credit Card Center and the Small Enterprise Credit Center), 1 rep-office, 1,917 self-service banks and 1 wholly-owned subsidiary (CMB Financial Leasing Co., Ltd) in mainland China. For overseas market, CMB has 2 wholly-owned subsidiaries — Wing Lung Bank Ltd. and CMB International Capital Corporation Limited and 1 branch (Hong Kong Branch) in Hong Kong, a branch and a rep-office in New York, and two rep-offices in Taipei and London. CMB has led China’s banking industry by creating a synergy of "Profit, Quality, Scale" and a structure of core values including "Service, Innovation and Stability". With respect to corporate governance, CMB separates ownership from management and is one of China’s banks that have established a modern corporate governance structure with clear division of work and mutual balance and supervision between the board of directors, the board of supervisors and the management team. In terms of HR management, CMB was the first to abolish the "three-guarantee mechanism" (guaranteed job, guaranteed position and guaranteed salary) and adopt a flexible system, under which employees can be dismissed, managers can be promoted or demoted, and remuneration can be flexibly adjusted. CMB has established China’s first bank-wide IT platform and first telephone bank and became the first to offer nationwide deposit and withdrawal, and real-time fund transfer services.
CMB has launched a large number of innovative products that are highly competitive. The All-in-One Card is the first bank card managed based on customer numbers. CMB has issued 5,988 All-in-One Cards, with an average deposit of over RMB9,800, making it one of the most popular bank cards in China. All-in-One Net is China’s first online banking platform. The improving online and telephone banking services significantly reduce the workload of business outlets. In H1 2011, 47.85% of the general over-counter services and 85.38% of the retailer banking services were completed online or by telephone. Over 4 million users have subscribed for the CMB mobile banking services by the end of November 2011, which has formed iPhone, Android and web-version mobile banking platforms with an aim to cover all mid-to-high-end smart phone users. CMB issued the first dual-currency credit card compliant with international standard and 36 million such cards have been issued to date. This issuance is even included in the MBA case studies of HarvardUniversity. The Sunflower Finance, China’s first financing product for high-end customers, is very popular, providing services to 750,000 customers. CMB is also the first Chinese joint-stock commercial bank that provides private banking services, earning it the title ‘Best Private Bank of China’. Its interbank cash management service was the first of its kind in China’s banking industry, making it the preferred choice for large enterprise groups in terms of fund management. CMB also leads the pack of joint-stock commercial banks in terms of personal savings deposits, personal consumer lending, asset custody, corporate annuity, offshore financial business and more. Its risk management is highly praised in the industry for maintaining high-quality assets. By the end of September 2011, CMB’s non-performing loan ratio was 0.61% and the non-performing loan reserve coverage ratio was 370.97%.
In the new century, under the leadership of Dr. Ma Weihua, President and CEO of CMB, CMB has ridden the boom in IT construction and world economy, formulated and implemented scientific development strategies after weathering liquidity risks including the ban of offshore asset business, bank run at certain branch and risks arising from non-performing assets as a result of rapid expansion. Firstly, given that all banks were initially at the same level in terms of internet-related businesses, CMB aggressively developed electronic banking channels, including online, telephone and self-service banking services, which offset the disadvantage of inadequate banking network and won a large number of high-value customers. Secondly, CMB was listed in Shanghai and Hong Kong in 2002 and 2006 respectively, which fed the capital needed for its rapid development and also promoted the revolution of its internal management procedures as part of its strategy to expand internationally. With the support from the Chinese government and through hard work, it established a branch in New York despite the deepening financial crisis, breaking the 17-year denial of Chinese banks to the US market. The CMB New York Branch was likened to a "breeze in the winter of the Wall Street" by Mr. Bloomberg, the then Mayor of New York City. In the same year, CMB acquired Wing Lung Bank, the fourth largest bank in Hong Kong with a history of 75 years for more than HKD30 billion. Now the renovated bank is beginning to perform well and the takeover was described by the British Financial Times as "a case that cannot be copied".
In 2004, CMB spearheaded the industry’s business strategy transformation. By stepping up efforts to offer retail, fee-based and SME services, CMB has developed a distinctive business structure and style. CMB is entering a new stage of strategic development. With the aim of adapting to changes in internal and external business environments and continuing to strengthen its competitive edges, CMB will, while stepping up efforts to revamp business strategies, implement the Second Transformation strategy aimed at reducing capital consumption, raising loan pricing, controlling financial costs, winning more higher-value customers, and enhancing its risk control. These efforts will be focused transforming the business model into a full-featured one as part of its drive for intensive management. "We are here just for you." We will seek to improve and expand our lineup of financial services for our customers and for society and become China’s leading bank that is internationally competitive.
Address : 7088, Shennan Boulevard, Shenzhen, Guangdong 518040, China.
Website : http://english.cmbchina.com, Phone number : 86-10-95555
Chile
1. Banco Central de Chile -
The Central Bank of Chile was created by decree law No. 486, 22 August 1925, under the government of President Arturo Alessandri Palma. This initiative arose as one of four projects presented that year by the Kemmerer mission. That mission, which was hired by the government of the time to restructure Chile’s monetary and financial system, was headed by Edwin Walter Kemmerer, professor of economics at the University of Princeton. The projects included the monetary law, which sought to stabilize the value of Chile’s currency and the gold standard as the basis of the country’s monetary unit, the creation of the Central Bank of Chile, the passing of the general banking law and the general budget law. The same dispositions established in decree law No. 486 authorized the creation of an organizing commission for the Central Bank of Chile, whose express purpose was to develop the institutions necessary to ensure the functioning and management of this body, and bring it into being. Thus, the Central Bank of Chile opened its doors to the public on Monday, 11 January 1926.
The institution began activities with a nominal capital of 150 million pesos, of which about 13% was contributed by the State, 40% by Chilean and foreign commercial banks operating in Chile and the remaining 47% by the public, through a share subscription. Ten people made up the new institution’s board of directors. The President of the Republic had the right to name three, Chilean commercial banks two, foreign banks one, representative associations three, and the shareholding public one. This same board was empowered to appoint the governor and vice-governor of the Bank, with the first officers being Ismael Tocornal Tocornal and Francisco Garcés Gana, respectively. One fundamental aspect implicit in the functioning of the Central Bank of Chile, which resulted from how the board of directors had been constituted, was its ability to function autonomously and independently. From the legal point of view, this meant providing the institution with its own legal status, independent of the Government.
Despite this, the Central Bank of Chile remained subject to the general supervision of the Superintendent of Banks, created by the General Banking Law (Ley General de Bancos), whose original text was approved by decree law No. 559, 26 September 1925. In this context, the objectives of the Central Bank of Chile were essentially of a monetary nature. In the first place, the Bank was to watch over the stability of the value of Chile’s currency under a fully convertible gold standard regime and, in the second place, it was to regulate currency according to the needs of the monetary market, for which the basic constitutional law assigned the Central Bank a monopoly on issuing bank notes.
Finally, the law required that the Central Bank permanently hold a gold reserve equivalent to no less than 50% of total emission. If it were to fall below this limit, it would have to pay a fine to the state proportional to the deficit.
Address: Agustinas 1180, Santiago, Chile.
Website : www.bcentral.cl, Phone number : 56-2-670-2000
2. Banco de Chile -
Our mission
We are a leader corporation with a prestigious business tradition. Our porpoise is to provide financial services of excellence with creative and effective solutions for each client segment in order to ensuring permanent value growth for our shareholders.
Our values
The hallmark of our way of doing things is the excellence and value creation for both shareholders and customers of the Corporation. For this, the Bank continuously incorporates best practices and best industry standards, promoting, developing and recognizing the high performance in their employees and work teams . People's at Banco de Chile stands out by their pride in belonging to the institution and compliance with the following values, attitudes and behaviors:
- Compromise
- Service attitude
- Flexibility
- Team work
Address : Ahumada 251, Santiago,Región Metropolitana, Chile
Website : www.bancochile.cl, Phone : 56-2-637-1111
3. Banco del Estado de Chile -
Banco del Estado de Chile or just Banco del Estado is the National Bank of Chile, created by decree on 1953. The bank operates also using the short name BancoEstado. It provides financial services to companies and consumers, with a focus on national coverage in terms of geography and social sectors, and a particular emphasis on the underbanked and small and medium enterprises but serving all sorts of companies. In addition, it performs all financial activities for the State of Chile.
Chilean state-run bank BancoEstado serves the banking needs of all major market segments: large corporate, middle market and retail clients and government entities. The bank offers a broad range of personal banking products and services, including consumer, mortgage, student and micro finance lending; insurance; credit and debit cards; bill payment services; and mutual funds. Its line of corporate banking products ranges from lending, treasury services and trade finance to payments. Government products include liability management, treasury services, and payments (payroll and pensions). It is also a market leader in savings accounts and micro lending. The bank, through its subsidiaries, provides an array of additional financial services: securities brokerage, insurance brokerage, asset management, microenterprise financial services, factoring financing, leasing, and real estate leasing.
Contact : Av. Libertador Bernardo O'Higgins #1111, Santiago, Región Metropolitana, Chile.
Website : www.bancoestado.cl, Phone number : 56-2-670-7000
4. Banco Penta -
Banco Penta is Chile’s first and only bank specialized in investments and savings. Its goal is to provide all-encompassing solutions to fulfill customer cash management needs through thousands of products and world-class consulting services. At Banco Penta you will receive the devoted attention of a highly trained investment executive, who will give you access to the level of analysis, information and knowledge generally reserved to institutional investors only. For all these reasons, we invite you to manage your investments the way you deserve: by keeping your checking account in your current bank, but opening an investment account with Banco Penta.
Unlisted private Chilean company Banco Penta specializes in savings and investment services. The bank, which operates as a subsidiary of financial group PENTA, offers products and services in the areas of asset management, checking accounts, mutual funds, international investment, and foreign currency operations. At the end of fiscal year 2008, Banco Penta posted total revenues of around 12.9bn Chilean pesos.
Address : Av. El Bosque #0440, Las Condes, Santiago,Región Metropolitana, Chile.
Website : www.bancopenta.cl, Phone number : 56-2-873-3000
5. Banco de Crédito e Inversiones -
Banco de Crédito e Inversiones (BCI) is a Chilean bank specializing in savings & deposits, securities brokerage, asset management and insurance. BCI was the Latin American partner for Bear Stearns. BCI was formed by the Yarur family. The Bank was founded in 1937 by John Yarur Lolas and a group of entrepreneurs, in order to support small and medium enterprises in Chile. In 1991, the same day of payment, then President George Yarur Banna died, just as he announced the news to employees of the company. BCI is a member of the International Confederation of Popular Banks (CIBP), international organization based in Brussels that brings together cooperative banks worldwide.
In 2013 BCI purchased Miami, Florida based City National Bank of Florida for $882 million from Spanish lender Bankia. City National has 26 branches in South Florida and Orlando.
Chile's fourth largest bank Banco de Crédito e Inversiones (BCI) offers a wide range of banking and other financial services to individuals and businesses alike. The company operates through three segments: retail banking, commercial banking, and investment banking. BCI's retail products comprise checking accounts, savings accounts, and sight accounts; consumer and mortgage loans, credit cards, and financing services; investment and insurance products; and products for entrepreneurs and SMEs. It also provides corporate banking products and services, including short and long-term financing, money desk products, business credit cards, foreign trade services, payment and collection services, and financing for working capital (credit lines) and fixed asset investments (investment and mortgage loans), to industrial and public sectors, government agencies, and corporations. The bank's investment banking products and services include time deposits, mutual funds, and spot transactions and futures. BCI's banking units focus on consumer lending (BCI Nova) and e-banking (TBanc). It also owns non-banking subsidiaries that engage in factoring, stock and insurance brokerage, asset management, securitization, debt recovery and collection, financial consultancy, and information services. BCI was founded in 1937 and is headquartered in Santiago, Chile.
Address : Av. El Golf 125, piso 17, Las Condes, Santiago, Región Metropolitana, Chile.
Website : www.bci.cl, Phone number : 56-2-692-7000
6. Corp Banca -
Chilean bank CorpBanca offers a wide range of commercial and retail banking services to its customers. It also provides financial advisory services, mutual fund management, insurance brokerage and securities brokerage services through its subsidiaries. Its banking products and services include a variety of bank accounts (checking, savings, money market and foreign currency accounts), investment products (time deposits, securities, securities custody services), financing solutions (mortgage loans, consumer loans, loans to finance working capital), and credit cards. CorpBanca also offers internet banking and a range of online services, including up-to-date information on balances in deposit, checking, credit card and other accounts and transactions. CorpBanca is controlled by local businessman Álvaro Saieh's financial services group Corp Group.
Address : Rosario Norte 660, Las Condes, Santiago, Región Metropolitana, Chile.
Website : www.corpbanca.cl, Phone number : 56-2-687-8000
7. HSBC Bank Chile -
The HSBC Group has had a presence in Chile since 1981. By 1985 it had three branches, two in Santiago and one in Valparaíso. In 1993 HSBC sold its operations to Banco O'Higgins, which was owned by the Luksic Group. In 1997 a merger between Banco O'Higgins and Banco de Santiago created Banco Santiago, one of the largest local banks in Chile and one in which HSBC continues to have a 7% shareholding. The acquisition of the former Republic National Bank of New York returned HSBC to Chile through two full service branches of HSBC Bank USA, in addition to a domestic factoring business.
Address : Vitacura 2872, Las Condes, Santiago, Chile.
Website : www.hsbc.cl, Phone number : 56-2-380-8600
8. Santander Chile -
Banco Santander-Chile is the second largest bank in Chile by loans and deposits.The bank has 504 branches network. It is a division of Grupo Santander. The bank main competitors is Banco de Chile, Corpbanca and Itáu Chile.
It provides a range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a variety of commercial transactions, trade, foreign currency forward contracts and credit lines, and a variety of retail banking services, including mortgage financing. In addition to its traditional banking operations, the Bank offers a variety of financial services, including financial leasing, financial advisory services, mutual fund management, securities brokerage, insurance brokerage and investment management. The Bank's clients are divided into three segments: Retail, Middle-Market, and Global Banking and Markets.
Chile's largest bank Santander Chile provides a broad range of commercial and retail banking services to its customers, including Chilean peso and foreign currency denominated loans to finance a variety of commercial transactions, trade, foreign currency forward contracts and credit lines, as well as mortgage financing. Other business banking products and services include checking accounts, investment accounts, credit cards, office banking, payroll and payment solutions, and B2B portals. Santander Chile also offers a full line of personal banking products, such as checking accounts, savings accounts, investment accounts, credit cards, and debit cards. In addition to its traditional banking operations, the company provides an array of financial services including financial leasing, financial advisory services, mutual fund management, securities brokerage, insurance brokerage and investment management.
Address : Bandera 140, Santiago, Región Metropolitana, Chile.
Website : www.santander.cl, Phone number :56-2-320-2000
9. Scotiabank Chile -
Scotiabank Sud Americano (Scotiabank Chile), the Chilean unit of Canada's Scotiabank, is the country's seventh largest bank. Its operations are channeled through three business divisions: SME and retail banking, commercial banking, and personal banking. Scotiabank Chile's commercial banking segment offers funding for working capital, foreign trade loans, leasing, factoring, structured finance (including syndicated loans and project finance), mutual funds, savings accounts, checking accounts, time deposits, treasury products, and non-credit products and services such as payroll payment solutions, collection services, and insurance. The bank also offers a comprehensive range of products for personal customers, including overdraft lines of credit, mortgages, consumer loans, savings products, and foreign exchange services. The bank provides mutual fund management, insurance brokerage, securities brokerage, and financial advisory services through its subsidiaries.
Address : Morandé # 226, Santiago, Región Metropolitana, Chile.
Website : www.scotiabank.cl, Phone number : 56-2-692-6526
Cambodia
1. Acleda Bank -
ACLEDA Bank, the bank you can trust, the bank for the people, is the Cambodia's leading commercial bank for all sectors and have provided best financial products and services such as loans, deposits, funds transfers, cash management, trade finance, securities service, and electronic banking service, to meet the needs of our smart customers in all segments of the community for more than 21 years. ACLEDA Bank has 238 branches and offices throughout Cambodia, 34 branches and offices in Laos, and one office in Myanmar, with the total assets of over US$2 billion by the end of August 2013. It also has four Subsidiaries such as: ACLEDA Bank Lao Ltd., ACLEDA Securities Plc., ACLEDA Training Center Ltd., and ACLEDA MFI Myanmar Co., Ltd. and strategically ACLEDA Bank is going to expand its operation in the ASEAN region and all potential countries along the Mekong River.
Address : 61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Cambodia.
Website : www.acledabank.com.kh, Phone number : 855-23-998-777
2. ANZ Royal Bank -
ANZ Royal has revolutionised the Cambodian financial market since opening in September 2005. The bank is a joint venture between Australia and New Zealand Banking Group Limited (ANZ), one of the largest banks in the world, and the Royal Group of Companies (RGC), one of Cambodia’s largest. ANZ holds 55% of ANZ Royal; the remaining 45% is owned by RGC. ANZ Royal was the first bank to offer a national network of ATMs as well as Internet Banking, providing a wide range of functionalities to support our philosophy of ‘making life easy’. In 2007, ANZ Royal Bank was awarded the Financial Insights Innovation Award by Financial Insights Asia Pacific based in Singapore, following the award given by the London publication “The Banker” as the Cambodian Bank of the Year in 2006.
Our Services
Outlined below are the various banking products and services for both personal and business customers that we offer, including:
Retail Banking Services
-Transaction products.
- Savings products.
- Fixed-term investment products.
- Borrowing products (credit cards, home loans).
- Foreign currency accounts.
- Money transfers.
- Bill Payment through ATMs.
- Premier accounts.
Corporate & Institutional Banking
- Business cheque account.
- Cash management account.
- Foreign currency account.
- Term deposits.
- Overdrafts.
- Payroll services.
- Bank guarantees.
Address : 20, Kramuon Sar, Street 67, Phnom Penh, Cambodia.
Website : www.anzroyal.com, Phone number : 855-23-999-000
3. Cambodia Asia Bank -
Mission Statement
The Cambodia Asia Bank will remain a strong and stable commercial bank. Through a professional, friendly, courteous and knowledgeable staff, we will provide products and services needed by our market in a profitable and people oriented manner. We will aggressively pursue and provide services for business and consumer market segments within our entire trade area.
Our Vision
CAB Bank's aim is to be an established bank conductive for nation building to secure the future of the people of Cambodia by providing commercial banking facilities at competitive rates and mobilize saving to fund the economic growth of Cambodia.
Our History
Cambodia Asia Bank opened on the 29th April 1992 and started its operation on the 23rd February 1993. Since 22 December 2000, CAB Bank has been granted a new license by National Bank of Cambodia to operate as a full commercial bank. The license is to enable CAB Bank . to launch money new financial services including cash management and trade finance to full fill the need of its existing and perspective customer. It has employed a world class banking Technology to bring transaction to live and has the largest branch network in Cambodia that give customer a convenient access to any service and product of the bank. The Bank remains loyal to that same commitment made in December 2000 to provide the best financial services available by looking forward-reaching higher with banking-in touch with you and focus on you.
Address : 439, Monivong Blvd., Phnom Penh, Cambodia.
Website : www.cab.com.kh, Phone number : 855-23-220-000
4. Cambodia Commercial Bank -
Cambodian Commercial Bank (CCB) was established in Cambodia on July 01, 1991 under Registration No. Co-425/98E and located at No. 26, Monivong Blvd, Phnom Penh, Kingdom of Cambodia, commenced the operation on the same date. The Bank is a wholly owned subsidiary of Siam Commercial Bank PCL, incorporated in Thailand.
The principal activities of the Bank comprise the professional operations of core banking business and the provision of related financial services through its Head Office (Phnom Penh) and three branches (Battambang Branch, Siem Reap Branch, and Sihanouk Ville Branch ) in Cambodia.
Address : 26, Monivong Blvd, Sangkat Phsar Thmei II, Khan Daun Penh, Phnom Penh, Cambodia.
Website : www.ccb.com.kh, Phone number : 855-23-426-145
5. Canadia Bank -
Canadia Bank Plc. was established on 11th November 1991 as “Canadia Gold & Trust Corporation Ltd.”, joint-venture between Cambodian - Canadians and the National Bank of Cambodia (Central Bank of Cambodia). The bank’s management consisted of former staff of the National Bank of Cambodia and its Cambodian – Canadian shareholders. The main activities were based on gold transactions, gold plaque manufacturing and lending to local merchants. On 19th April 1993 the name was changed into CANADIA BANK LTD., licensed as a Commercial Bank with the National Bank of Cambodia and registered with the Ministry of Commerce. On 16th December 2003 the name of the bank changed into Canadia Bank Plc. Since privatization in 1998 the Bank has become the largest local bank in Cambodia. With a worldwide network of correspondent banking relationships and a solid base of local and international customers CANADIA BANK PLC holds commanding market shares in loans as well as deposits. The bank offers a wide range of financial services through its Head Office and its 49 branches in Phnom Penh and major cities throughout the country.
Address : 315, Ang Doung St. Corner Monivong Blvd, Phnom Penh, Cambodia.
Website : www.canadiabank.com.kh, Phone number : 855-23-868-222
6. National Bank of Cambodia -
The National Bank of Cambodia shall have the following functions and duties:
1. To determine monetary policy objectives, in consultation with the Royal Government and consideration of the framework of the economic and financial policy of the Kingdom;
2. To formulate, implement and monitor monetary and exchange policies aimed at the determined objectives;
3. To conduct regular economic and monetary analysis, make public the results, and submit proposals and measures to the Royal Government;
4. To license, delicense, regulate and supervise banks and financial institutions and other relevant establishments such as auditors and liquidators;
5. To oversee payments systems in the Kingdom, and to enhance interbank payments;
6. To act as the sole issuer of national currency of the Kingdom ;
7. To undertake and perform, in the name of the Kingdom, transactions resulting from the participation of the Kingdom in public international institutions in the banking, credit, and monetary spheres ;
8. To establish the balance of payments ;
Address: #22-24 Norodom Blvd, Phnom Penh, Cambodia.
Website : www.nbc.org.kh, Phone number : 855-23-722 563
7. Phnom Penh Commercial Bank -
Vision
The bank that create a bright future for Cambodia through advanced finance and reliability.
Core Goals
To become one of the top five banks in Cambodia.
Motto
1. Realize the highest standards of customers satisfaction
2. Improve brand value
3. Maximize efficiency
Address : 767-769, Monivong Blvd., Beoung Trabek, Chamkarmon, Phnom Penh, Cambodia.
Website : www.ppcb.com.kh, Phone number : 855-23-999-500
8. Vattanac Bank -
Corporate Mission
To be recognized as the Bank with international standards committed to providing honest, efficient and courteous customer service, generating sustainable growth and upholding transparency and accountability to our stakeholders.
Corporate Objectives
- To achieve a high level of customer satisfaction by providing honest, courteous, and efficient service;
- To offer innovative products with excellent service delivery to meet customer’s needs;
- To uphold the Bank’s image as a highly responsible corporate citizen;
- To create a competent and dedicated workforce through job enrichment programs;
- To ensure high profitability through sustainable growth; and
- To ensure accountability and transparency at all levels while building trust and confidence
Corporate Values
- We lead by example.
- We progress together.
- We respect each individual regardless of race, culture and religion.
- We pursue business opportunities.
- We are open and honest in our communication.
- We are committed.
- We act with integrity.
Corporate Conduct
- Awareness
- Responsibility and accountability
- Enthusiasm and Positive attitude
- Developing talents
- Feedback and Learning
- Building relationships
- Professionalism
- Delivering excellent service
- Technical knowledge
Address : 89, Preah Norodom Blvd. Phnom Penh, Cambodia.
Website : www.vattanacbank.com, Phone number : 855-23-212-727
Colombia
1. Banco AV Villas -
Banco Comercial AV Villas SA (Banco AV Villas) is a Colombia-based financial institution primarily engaged in the commercial banking sector. The Bank?s products and services include saving and current accounts, consumer and commercial loans, mortgages, debit and credit cards, financial assessment and other banking operations to businesses and individuals. The Bank also offers Internet and mobile telephone banking services. As of December 31, 2011, the Bank operated a network of over 200 branches located nationwide. In addition, the Bank held minor stakes in such companies as A Toda Hora SA (ATH), ACH Colombia SA, Titulizadora Colombiana SA, Multiactivos SA and Divisas de Colombia SA, among others.
Address : P-24, CR 13 26 A 47 , Bogota, Colombia.
Website : www.avvillas.com.co, Phone number : 57-336-3199
2. Banco Caja Social BCSC -
Banco Caja Social de Colombia offers banking and financial services. The company was founded in 1911 and is based in Bogota, Colombia. Banco Caja Social de Colombia operates as a subsidiary of Fundación Social group.
Address : Carrera 7 #77-65, Piso 11, Bogota, Colombia.
Website : www.bancocajasocial.com, Phone number : 57-307-7060
3. Banco de Bogotá -
Banco de Bogota is a commercial bank with 263 branches in Colombia. The Bank lends primarily to business clients but also to individual consumers, although it is not a mortgage lender. Subsidiaries are active in leasing and pension funds in Colombia and banking in Panama, the Bahamas, Miami and New York. We are Colombia´s pioneer provider of financial services at home and abroad. We offer integral solutions through our subsidiaries in Colombia :
- Almaviva, for logistics operations
- Leasing Bogota, for administration and advice in handling assets and funds
- Fiduciaria Bogota, for consumer finance
- Valores Bogota, for securities trading.
We also have Agencies in New York and Miami, and two subsidiary banks, in Panama and the Bahamas. Our service model has enabled us to attend to the needs of over two million clients. With 138 years of operating experience, constant internal renewals and modernisation, training and commitment from our staff, Banco de Bogota is a modern and dynamic organisation, a leader in the financial market in Colombia, always contributing to the economic, social and cultural development of this country. Our offer of service outside Colombia is equally attractive. We deliver the best solutions for international corporate banking and Premium personal banking in Colombia, with an exclusive promise of value in services, and a sound and efficient administration.
One of our central characteristics is a philosophy of continuous improvement among our 9,000-plus staff, our processes and activities in our business. This means that the advantages and benefits we offer match what our clients need and value more closely every day. As a result, we offer them services through an exclusive model, in the following segments :
- Personal
- Premium
- SME
- Microfinance
- Official
- Social
- Corporate
- Business
- Institutional
We are part of AVAL, Colombia´s largest financial group. We have 734 service points in over 180 towns and cities, and more than 2,000 ATMs in the ATG network. All this, and the strong spirit of enterprise that we have shown throughout our long history, make us a Bank which is always on the go, committed, proactive and inventive – a Better Bank.
Address : Banco de Bogota SA, Calle 36 #7-47, Bogota, Colombia.
Website : www.bancodebogota.com, Phone number : 57-382-0000
4. Banco de la República de Colombia -
It is the Banco de la República’s responsibility to administer the country’s international reserves, including management, investment, safekeeping and disposal of reserve assets. Investment takes place principally by following the criteria of security and liquidity with the aim of facilitating national payments abroad. The Bank, first of all, looks for security and stability in its investment and endeavours to keep liquid reserves in order to ensure timely payments to other countries. International reserves are internationally accepted means of payment generated by, amongst others: i) The difference between income stemming from exports or sales abroad and expenditures relating to imports or purchases carried out in the rest of the world; ii) The difference between income proceeding from foreign loans or investment and expenditures in capital payments, interest and retention of profits; and iii) The difference between deposits remitted by Colombians residing abroad and those remitted to them. The purpose of international reserves is to enable the Government and private individuals and businesses to make payments abroad. International reserves consist of freely convertible currencies, that is currencies that can legally be exchanged for other widely accepted currencies in the international market, either for gold or for Special Deposit Rights (SDR’s).
Address : Cra 7 # 14-78 Piso 7, Colombia.
Website : www.banrep.gov.co, Phone number : 57-741-3300
Costa Rica
1. Banco Central de Costa Rica -
Banco Central de Costa Rica is the central bank of Costa Rica. It is recognized by the Costa Rican society and the international community for its efficiency, transparency and credibility in keeping inflation low and stable. In pursuit of its mission, and to maintain the economy’s internal and external balance, the goals and operating objectives of the Central Bank of Costa Rica are as follows :
- Maintain internal stability of the national currency, seeking to turn the full employment of productive resources.
- Maintain external stability of the national currency and ensure their free conversion to other currencies.
- Promote a stable system of financial intermediation, efficient and competitive.
Similar to other Central Banks in the world, the functions of Central Bank of Costa Rica include providing banking services to the Government of Costa Rica and financial institutions, issuing the domestic currency, regulating commercial banks and other financial institutions, providing economic advice to the Government, conducting research and publishing information on monetary and other economic developments. Only notes and coins issued by the Central Bank shall be legal tender in Costa Rica. State-owned and autonomous institution Banco Central de Costa Rica is part of Costa Rica's national banking system. It was established by law No.1130 of January 1950. The financial entity conducts various tasks, including ensuring the adequate development of the Costa Rican economy, monitoring the correct use of the country's international monetary reserves, and promoting the efficiency of its internal and external payment system. In addition, Banco Central de Costa Rica is responsible for issuing paper money and coins, as well as setting general policies governing the national financing system's loans, supervision and coordination.
Address : Av. Central y Primera, Calles 2y4, San José, Costa Rica.
Website : www.bccr.fi.cr, Phone number : 506-2243-3333
2. Banco de Costa Rica -
Because at BCR we are aware that for business which involves risk, safety is essential, so we base our decision making and management policies on it. In addition to government support, BCR core policy is based on keeping higher provisions and reserves than minimum ones established by the Superintendencia General de Entidades Financieras (SUGEF), while continue strengthening its basic equity, main component of safety for our clients.State-owned Banco de Costa Rica (BCR), the country's second largest bank, offers a range of banking products and services to individuals and companies, including SMEs. The bank forms part of financial conglomerate Conglomerado Financiero Banco de Costa Rica, the country's second largest. The group also owns a pension fund manager, an investment management firm, a stockbrokerage and Panama-based bank BICSA, which focuses on trade finance and wholesale banking. BCR was founded in 1877 and is headquartered in San Jose, Costa Rica.
Mission
Drive Costa Rica social development, competitiveness and sustainability by offering customers a public financing conglomerate with innovative and excellent services.
Vision
Becoming the first alternative in Costa Rica for offering world-class quality standards, innovation and efficient financial services.
Address : Oficinas Centrales, 2ª piso, Calles 4-6, Avenidas 0-2, Merced Central, San José,San José, Costa Rica.
Website : www.bancobcr.com, Phone number : 506-2284-6600
3. Banco Credito Agrìcola de Catargo -
You have probably come across the need to find a swift code (or BIC code) because you were asked for it by your web banking, while trying to wire money to a different bank than yours. This is because almost all banks in the world are members of the swift network that is responsible for money transfers and messages between financial (and even non-financial) institutions, and this system requires the use of these codes. A swift code is a unique identifier for every institution's branch in the world. This code is absolutely vital for transferring money securely from one institution to another and our site is a specialized search engine on these codes and the institutions that carry them.
These codes are known as SWIFT codes due to the organization that first introduced them (S.W.I.F.T. - Society for Worldwide Interbank Financial Telecommunication) but were later standardized as B.I.C. (Business Identifier Codes). A swift code can be formed of either 8 or 11 characters. Generally speaking, most of the times, you will only need the eight characters swift code, that is consisted of 3 parts: the identifier of the institution (4 characters), the identifier of the country (2 characters), and the identifier of the location (2 characters). In some cases however, if your bank processes payments through a specific branch you will need the eleven digit code which includes the branch identifier as well. An example code would be BARCGB22XXX which is the unique identifier for the main offices of BARCLAYS BANK PLC based in London, UK.
When you browse the swift code database on this website, not only will you be able to locate the bic code of the institution in question, but you will also be able to find out a plethora of other information related to it. This includes the institution's location as well as every branch's physical address. In addition to this you will be able to find out both the country and city of origin. We believe that www.swift-code.org is an absolutely vital tool when you are receiving or sending money, or simply wish to find out a bit more about how swift codes operate.
Address : Avda. 2y Calle 3y5, Cartago, Costa Rica.
Website : www.bancreditocr.com, Phone number : 506-2550-5005
4. Banco Cuscatlan -
Banco Cuscatlan in your workplace
Banco Cuscatlan at Work is a program for the country 's leading companies and their employees , promoting a comprehensive solution of financial products and services at preferential conditions in the workplace.
Payroll Account
The account in which receive your pay and you will have your money by cash withdrawals at ATMs and retail purchases using your Visa Debit Card Checkbook .
Savings Account
Save your money safely and get an interest in your deposits .
Current Account
You run your funds without carrying cash through a checkbook.
Future Account
Term programmed savings account with competitive interest rate according to the amount and the agreed term .
Personal Loans
Personal loans with voluntary payment for your projects .
Credit Cards
A range of credit cards according to your great need. Choose from our Loyalty programs : MultiPremios , Cash Back and frequent flyer , and enjoy the benefits of your Citi credit card .
Checking Visa Debit Card
Single market debit card which Multipremios or LifeMiles accumulate miles for your purchases and you benefit from all Citi card promotions . Locally and internationally accepted.
Website : www.bancocuscatlan.com, Phone number : 506-257-6363
5. Banco Cathay -
Banco Cathay was founded 15 years ago to break paradigms and demonstrate that business and trade development between Costa Rica and Asian countries i more than just a dream. We were founded thanks to the vision of our investors and today we are a strong, solid, emblematic bank that has coined the phrase “Fast and Well Done” for our work philosophy. It has formed alliances with small and medium Costa Rican companies to which we offer products that cover all of their financial needs. We are the only private bank in all of Central America that is a correspondent bank to the Bank of China and with the China Development Bank, providing unequaled facilities with those banks for our customers to do business in the Peoples Republic of China.
Fifteen years after we were founded, Banco Cathay continues to be the only bank in Costa Rica with close connections with the oriental population living in the country, thanks to our personnel at all of our branches, who are highly fluent in the language and the culture. We have tripled our size in the last three years and today we have a team of more than 170 employees, with eight branches and assets exceeding US$170 million. In 2013 we honor the trust our customers place in us and celebrate that we are still growing on our 15th anniversary.
Address : San Pedro de Montes de Oca, Costa Rica.
Website : www.cathaybank.com, Phone number : 506-290-2233
6. Banco San Jose -
Banco BAC San José S.A., Costa Rica’s largest private bank, will get a loan of as much as $40 million from the Inter-American Development Bank (IDB) to expand mortgage financing and lending to small and medium-sized enterprises (SMEs). The IDB loan will provide Banco BAC with longer term financing that will allow the bank to offer mortgages to middle and lower middle-income families. It will also pave the way for BAC to boost long-term ending to SMEs, a market segment currently underserved by commercial banks in the country. “By promoting greater financial inclusion, this project seeks to address important gaps in much needed medium- and long-term funding for local small and mid-size enterprises, key contributors to the economy and an important driver for employment in Costa Rica,’’ said Daniela Carrera-Marquis, Chief of the Financial Markets Division of the IDB’s Structured and Corporate Finance Department. “In addition, by targeting mortgage financing to middle and lower middle-income families, the project responds to an increased demand to channel resources to a population with traditionally limited access to credit for housing.”
“It’s of great importance for BAC Credomatic de Costa Rica Group to have the support of the IDB, especially given the limited depth of the Costa Rican capital markets. This long-term financing, which confirms the IDB’s trust in our institution, will allow us to meet important investment needs of small and medium-sized enterprises, as well as the mortgage needs of our middle-income clients. We take pride in this pioneering transaction in the Costa Rican financial sector,” said Gerardo Corrales, Executive Vice-President of BAC Credomatic de Costa Rica. The IDB loan is part of the beyondbanking Program, which seeks to promote sustainable environmental, social and corporate governance principles among Latin American and Caribbean financial intermediaries through financial and technical cooperation. Banco BAC is the largest private-sector bank in Costa Rica and forms part of one of the most important regional financial groups in Central America, with operations in Panama, Nicaragua, Guatemala, Honduras, and El Salvador, In 2010, the group was acquired by Banco de Bogotá, which is part of Grupo Aval, the largest financial conglomerate in Colombia.
Address : Calle Central Avenidas 3y 5 San José, Costa Rica.
Website : www.bac.net, Phone number : 506-256-9911
7. Banco Promerica -
Mission
"We People Promerica"
Cultivate the loyalty and sense of belonging to the Bank.
We offer banking services with high levels of dependability, safety and excellence.
We are able to choose every day a good attitude towards work and people, who treat them with respect and joy.
We are alert to help our customers and partners: we resolve and execute.
Promote respectful discussion of the challenge and make a habit profitable.
View
"We are building the best private bank"
Our essence is strong and lasting relationships with our customers and partners, both committed to the
development and future of Costa Rica.
Values
Our personal and institutional behavior is determined by the following values:
- Loyalty
- Respect
- Honesty
- Reliability
Competition Principles
"We make it easy, we do it right"
This statement implies competition principles that determine our comparative advantages :
- Easy for the customer
- Efficiency
- Teamwork
- Sense of urgency to solve and run
Address : Centro Corporativo El Cedral, Trejos Montealegre, Escazú, Costa Rica.
Website : www.promerica.fi.cr, Phone number : 506-296-4848
Croatia
1. Croatia Banka -
United Bank Inc. was established in 1989. under the name Bank small business dd Zagreb. Than in 1990. year has extensive authority and perform all banking transactions in the country and abroad for small, medium and large enterprises, financial institutions, local government and citizens. Year 1995. changed its name and has since called Croatia banka dd Zagreb.
The Bank is wholly owned by the Croatian. The primary objective and direction of development of business policies to raise the quality of products and services and individual approach to every client. Bank's network consists of 22 branches and offices.
Name of Bank : Croatia banka dd Zagreb
Address : Kvaternikov trg 9, Zagreb business address, R. Frangeša Mihanovića 9, Croatia.
Website: www.croatiabanka.hr
2. Partner Banka -
Key data
OIB: 71221608291
Company registration number: 3726177
Bank account: 2408002-1000002870
SWIFT: PAZGHR2Xl adequacy REUTERS: PAZH
IBAN: HR94 2408 0021 0000 0287 0
Partner banka d.d. employs 110 persons.
The Bank equity capital equals 89.1 million HRK, it is 100% privately owned.
The Bank data as at 31 December 2012:
Base capital = 156 million HRK
Guarantee capital = 166 million HRK
Total assets = 1,291 million HRK
Capital adequacy = 14.14 %
The Bank auditors in 2012 were Krako revizija d.o.o.
History
The Bank was established in the war year 1991 and was one of the first private banks, 100% Croatian-owned. The initial capital was only 11 million HRK.
1994
The Bank received a capital injection by means of a second share issue, so that share capital at the end of that year amounted to 5.2 million EUR. The Bank became a member of SWIFT, global financial telecom company in the same year.
1997
The third share issue took place and the Bank share capital increased to 11.8 million EUR.
1998
The Bank opened a branch office in Osijek.
1999
A branch office was opened in Rijeka.
The Partner banka foundation was set up with the aim of educating and training young financial experts with initial capital of 1.5 million HRK.
2002
The Bank became a full member of the Croatian Association of Banks.
2001
A new branch office was opened in Split.
The Bank currently runs branch offices in Osijek, Rijeka, Split, Pula, Zadar and Varaždin.
2005
The Bank balance sheet total exceeded one billion, standing at 1.032 billion.
2008
A new Management Board is appointed to run the Bank and they announce the start of a new Bank development cycle with the introduction of new products and services and the improvement of existing ones.
2010
A new office in Pakoštane was opened in May 2010 as a part of branch office Zadar.
Address: Vončinina 2, Zagreb, Croatia.
Website : www.paba.hr, Phone Number: 385-1-4602-222
3. Podravska Banka -
Podravska banka d.d. is one of the oldest banks in the Republic of Croatia, which has its origins in Koprivnička dionička štedionica founded in 1872. Today, Bank is present in thirty outlets across Croatia, profiled as a modern and innovative financial institution. Podravska banka offers a complete financial service, with particular focus on segments of citizens, craftsmen and small and medium-sized businesses. In 2012 POBA has confirmed its position as one of the leading small banks in Croatia, and by asset value ranks in 11th place out of 31 banks in Croatia. In 2012 are realized the following business results :
total assets amounted to 3.0 billion kuna
net profit was 8.1 million kuna
total customer deposits exceeding 2.2 billion kuna
total loan portfolio amount 1.8 billion kuna
capital adequacy ratio was 17.0%
Personal approach to each client, discretion, speed and flexibility are the fundamental principles how the Bank is doing business, providing comparative advantage over the competition and justify the trust of our clients during the 141-year tradition.
GENERAL INFORMATION:
PODRAVSKA BANKA d.d.
MBS: 010000486
OIB: 97326283154
MB: 3015904
NKD: 6419
Business account: 2386002-1000010160
IBAN: HR6323860021000010160
S.W.I.F.T.: PDKCHR2X
Web: www.poba.hr
e-mail: info@poba.hr
Info Center: 00385 72 20 20 20
Address : 48000 Koprivnica, Opatička 3, Croatia.
Website: www.poba.hr, Phone Number: 385-1-486-550
4. Primorska Banka -
Primorska Banka was established on the 25th September 2001 on the foundations of its predecessor, "Primorska štedionica“. Our 36 employees located in our Rijeka and Zagreb offices are fluent in world languages such as Italian and English, which significantly facilitates and improves the communication with our international clients. Competence, motivation, friendliness and speed are the characteristics of our employees. In order to satisfy the needs of an increasingly demanding world market, Primorska Banka has developed a wide range of products to meet the needs of its clients. The bank offers private, retail and business banking services, all performed at a high professional level that excludes the unnecessary and time consuming procedures. This is only a part of our efforts to provide our clients with a high quality service in the shortest period of time.
VISION
Primorska Banka is a stable bank, adaptable to the changes of the Croatian banking market and oriented to the desires and needs of each client.
MISSION
Our mission is to provide our customers with the highest quality and the fastest financial services, creating long-term partnerships with them.
Management : CEO – A.Pekić, Member of board – G. Šmer
Chairman : prof.dr.sc. J.Perić
Registration number : 1318942
OIB : 96675880337
Account number: 4132003-1011111116
SWIFT: SPRMHR22
IBAN: HR1841320031011111116
Share capital amount of 52.906.800,00 HRK fully paid.
Total number of shares 440.890 nominal value of 120,00 HKR.
Address : Scarpina 7, 51000 Rijeka, Croatia.
Website : www.primorska.hr, Phone Number: 385-1—513-55777
5. Privredna Banka Zagreb -
Privredna banka Zagreb d. d. is one of Croatia’s top banks with a long and continuous history of banking
operations. It was established in 1966 and it is the legal successor of Banka NRH, founded in 1962.
In all stages of its history, Privredna banka Zagreb has been supporting major investment programs for the development of tourism, agriculture, industry, shipbuilding, electrification and road building, and has become a byword for the economic vitality, continuity and identity of Croatia. The privatization of Privredna banka Zagreb was successfully brought to an end in December 1999. Having purchased 66.3 percent of the shares of Privredna banka Zagreb, former Banca Commerciale Italiana (BCI) became its majority shareholder, while the Croatian State Agency for Deposit Insurance and Bank Rehabilitation kept a stake of 25 percent plus two shares. BCI later became part of Gruppo Intesa, the leading banking group in Italy which ranks in the top ten banking groups in Europe.
Privredna banka Zagreb has thus become a bank of Gruppo Intesa. The European Bank for Reconstruction and Development acquired a minority stake in PBZ in 2002. In January 2007, after the merger of Banca Intesa and Sanpaolo IMI, Privredna banka Zagreb became a member of the Intesa Sanpaolo Group. Privredna banka Zagreb still focuses its business strategy on modern forms of banking and new products, living up to its image of a dynamic and modern European bank that responds to the demands of the market and its clients. From its very foundation Privredna banka Zagreb has been one of the leading banks in Croatia. It has received a number of prestigious international and Croatian awards for excellence. With over 200 branch offices and outlets, Privredna banka Zagreb covers the entire territory of the Republic of Croatia.
Address : Radnička cesta 50, 10000 Zagreb, Croatia.
Website : www.pbz.hr, Phone Number: 385-1-489-1313
6. Veneto Banka -
Veneto banka d.d., Zagreb, Draškovićeva 58, was founded on 18th June 1992 as a joint-stock company, and it started with operations on 8th July 1992 when it was entered into the register of the Commercial court in Zagreb. The Bank’s head office is in Zagreb, and it has branch offices in 5 counties of the Republic of Croatia, two of which in Zagreb, and one in Pula, Poreč, Rijeka, Split and Zadar respectively. Veneto Banca Group, Montebelluna (Treviso), Italy, is one of the first twelve Italian banking institutions. History of the institution, founded in 1877, gets the first creative twist in 1966 when the bank merges with Banca del Mandamento di Asolo, which created Banca Popolare di Asolo e Montebelluna. In 2000, after acquiring Banca di Credito Cooperativo del Piave e del Livenza, it changes the name to Veneto Banca, with the aim of providing services in the Treviso region.
Address : Draškovićeva 58, 10000 Zagreb, Croatia.
Website : www.venetobanka.hr, Phone Number: 385-1-480-2666
7. Zagrebačka Banka -
Zagrebačka banka has been the leading bank in Croatia in terms of the quality of products and services, technical innovations, number of customers etc. for years. In Croatia, the Bank operates with more than 60.000 corporate customers and over 1.4 million private customers, which means that every fourth citizen is a customer of Zagrebačka banka. As a member of the UniCredit Italiano Group since March 2002, one of the most successful banking groups in Europe, Zagrebačka banka has also been one of the leading banks in CEE. The Bank accounts for 26% of total assets of the Croatian banking sector and, as a co-owner of the UniCredit Bank Mostar, 17% of the total assets of the banking sector in Bosnia and Herzegovina.
The main branches of Zagrebačka banka are: ZB Invest, the Zagrebačka banka investment fund company that holds 35% of market share. AZ Fund, an obligatory pension fund of Zagrebačka banka and Allianz, holds around 40% of the market share, and the deposits of the First Housing and Savings Bank (Prva stambena štedionica) holds around 30%of the housing savings on the market.With 132 subsidiaries in total, and more then 840 ATMs, Zagrebačka banka has the largest network of physical channels for customer business. Almost 530 thousand customers use online banking of Zagrebačka banka through direct channels and 205 thousand customers use mobile banking. More than once, the Bank has been nominated to have the most innovative and top-quality banking Internet service.
In all larger subsidiaries, customers can use the self-service banking area with many devices which make everyday banking services more easy to use and are always available. Zagrebačka banka also issues the biggest number of payment cards and has the widest network of in-store POS devices for card payments. With over 4,400 employees, Zagrebačka banka is one of the major employers in Croatia and according to the independent surveys, it is also one of the most desirable ones. Citizens associate the following qualities with Zagrebačka banka: safety, greatness, progress, but also tradition. What makes Zagrebačka banka competitive on the market today is the fact that it as an advisor and a partner in all customers' specific needs and situations. It is a bank that offers reliable, open and responsible solutions, a bank that trusts its customers. The dimension of social responsibility in business surely contributes to the value of Zagrebačka banka – being the leading bank in Croatia does not only mean that it has the biggest market share, the largest number of customers and the most innovative quality products. Above all, it means that it has the awareness of its own responsibility and the impact on the community in which it operates, as well as of the needs of this community.
Address : Trg bana Josipa Jelačića 10, 10000 Zagreb, Croatia.
Website : www.zaba.hr, Phone Number: 385-1-377-3333
Cuba
1. Banco Central de Cuba -
The creation of the Banco Central de Cuba (BCC) , prepared by the State Council Decree Law No. 172 , of May 28, 1997, provided the country with an institution able to concentrate their forces in the execution of basic functions inherent central banking and left established two-tier banking system, consisting of the Central Bank of Cuba and a group of banks and nonbank financial institutions, capable of responding to the needs arising from the development of new ways of structuring relations internal and external economic of the country.
As a leading authority on Cuban banks, the BCC has the mission of :
- To issue the national currency and ensure its stability.
- Contribute to macroeconomic stability and the orderly development of the economy.
- Custodian of the country's international reserves.
Propose and implement monetary policy for achieving the economic objectives that the country faces.
- To ensure the normal functioning of the internal and external payments.
- To issue binding rules.
Perform the functions relating to discipline and supervision of financial institutions and representative offices are authorized to establish in the country and any other laws assigned. Besides the classic functions referred to above, the Central Bank of Cuba must undertake other challenges: improving the monetary system in a manner that would facilitate the implementation of economic activity, allow the accurate measurement contributes to efficiency analysis is made on the basis actual efficiency and stimulate the economy in general and, in particular, labor productivity; normalize the country's external financial relations, including the issue of external debt and credit support efforts of members of the national banks and Cuban companies, through bilateral contacts with other central banks, insurance agencies export credit and other government and private financial institutions.
Address : PO Box 746, Cuba 402, Municipio Habana Vieja, La Habana, Cuba.
Website : www.bc.gov.cu, Phone number : 537-860-48
2. Banco de Crédito y Comercio -
Banco de Crédito y Comercio (BANDEC) was created as a commercial bank under Agreement No.3215 of the Executive Committee of the Council of Ministers of November 12, 1997. It holds a General License granted by Banco Central de Cuba under Resolution No.1 of 1997, which empowers it to carry out universal functions inherent to commercial banking in operations in the national territory and abroad. BANDEC distributes its services by means of a network of over 200 branches, completely automated, located throughout the whole country. A total of 197 is interconnected by means of the Data Transmission Public network, through which a high percentage of the bank operations is made. By the end of 2001, the bank was counting on 42 automated teller machines placed in Havana City and in some cities of other provinces of the country. Another alternative in the distribution of the services, is the bank-client remote interconnection system, known as Virtual-BANDEC, a tool which allows clients to operate their accounts and contract other services from their computers in the office or any other place, without their physical presence at the bank.
BANDEC's service portfolio presents, together with other traditional services of Cuban banking, financing, accounting, funds transfer and cash services. It also provides fund management, trust and technical services for investments, giving costumers a wide range of possibilities to satisfy their needs in the most effective way. At the end of the 2001 fiscal year, profits before taxes, recorded in the books were of 320,0 million pesos, while income was over 423,0 millions. These are the highest benchmarks since the bank was set up. By the end of 2001, the bank had more than 74,000 deposits in national and foreign currencies from enterprises operated by more than 53,000 account holders. This figures ratify Banco de Crédito y Comercio as leader in this Cuban market segment. Natural persons, at the close of the 2001, were operating a total of 345,000 accounts in national currency, convertible pesos and foreign currency structured in demand deposits, savings accounts, time deposits and term deposit certificates. Banco de Crdito y Comercio maintains correspondent agreements with 43 banks, a figure over the 39 correspondent banks it kept relations with by the end of the 2000 and which enables BANDEC and its customers to perform operations with better international cover.
Address : Amargura 158 esq. Cuba, Municipio Habana Vieja, La Habana, Cuba.
Website : www.cubagob.cu, Phone number : 537-614-533
3. Banco de Inversiones S.A -
Banco de Inversiones S.A. (BdI) is a Cuban financial entity incorporated on February 14, 1996 in the middle of a process of modernization of the Cuban banking system. It is the only specialized bank with a license for performing functions of investment banking in Cuba and has maintained a leader position in structuring financial bussiness in the capital markets. Was incorporated as a company by shares registered in the Central Registry for Companies ( Book 138 Page 80), in the First Mercantile Registery of Havana (Book 1192 Page 80) and in the General Bank Registery ( Inscription No. 41 Pages 85,86,87,88). In BdI's management records outstands its participation as adviser and arranger of relevant projects of bond issues, purchase of shares, syndicated credits and debt restructuring with important Cuban corporate and foreign customers hold by leading european banks.
Address : 5ta avenida No. 6802 esq. A 68, Miramar Playa, La Habana. Cuba.
Website : www.bdi.cu, Phone number : 537-204-9641
4. Banco Nacional de Cuba -
Banco Nacional de Cuba (BNC) was created by Law No. 13 of December 23, 1948, as the central state bank, with organic autonomy, independent legal status and assets of its own. On February 23, 1998, Decree-Law No. 181 is promulgated including the structure, functions and activities assigned which pertain to an international banking organization.
Among its functions are the following:
- To obtain and grant credits in national currency and in freely convertible currency.
- To issue bank guarantees of all kinds under previous evaluation of the economic-financial management of the requesting entity.
- To issue, accept, discount, guarantee and negotiate bills of exchange, promissory notes, cheques and other documents related to trade, which may be negotiable, denominated in national or foreign currencies.
- To fix interest rates to operations effected by the Bank under the limits established by Banco Central de Cuba.
- To constitute official export credit insurance entities according to the effective legislation with regard to insurance.
- To keep record and control, service and handle the foreign debt that the Cuban Government and Banco Nacional de Cuba have contracted with foreign creditors to the date on which Decree-Law No. 172, of 1997, on Banco Central de Cuba went into effect.
It must be stood out that Decree-Law No. 181 establishes that all contingent guarantees and obligations of Banco Nacional de Cuba at the time of the promulgation of Decree-Law No.172, of 1997, on Banco Central de Cuba and those that it may issue and contract in the future are valid obligations binding on Banco Nacional de Cuba, retaining their full legal effect, and that segregation of the central banking functions will not affect, in any way, their backing nor the powers which Banco Nacional de Cuba holds for the fulfilment of its obligations under Decree-Law No. 181.
Banco Nacional de Cuba has been developing an active work in the negotiations and in the signing of agreements attached to the debt rescheduling, obtaining new credits from foreign banks and institutions, with better financial conditions. Financings were granted in freely convertible currency to national entities. Moreover, the activity in reopening the export credit insurance capacities was significant. This has made possible the increase of foreign financing and a greater access to the market. Currently, Banco Nacional de Cuba counts on a network of over 186 workplaces. The flow of information generated by this network has a high compartment level and allows simultaneous access of several users. At present, work is carried out in establishing remote access to the services offered as well as in bank interconnection projects.
Address : Aguiar 456 e/ Amargura y Lamparilla, Municipio Habana Vieja, La Habana, Cuba.
Website : www.cubagob.cu, Phone number : 537-628-896
5. Banco Popular de Ahorro -
The Banco Popular de Ahorro (BPA) was created 25 years ago, with the primary purpose of providing various financial services to the population, and encourage it to save money. Inside the Cuban banking system, is the bank with the largest branch network spread across the country, responsible for meeting the economic needs - financing of the population, through the marketing of a range of products and services that are designed to contribute to economic and social development of the nation. Universal Banking orientation allows actions inherent in the banking business with banks and domestic and foreign. Maintains leadership in dealing with the public, although part of the segment serving business. The BPA, from its basic precepts: SECURITY, RELIABILITY, speed and discretion, continues to expand international relations and cooperation with other banking institutions - financial and projects to achieve greater efficiency and quality in service delivery, from the continued commitment of its employees by offering an increasingly personalized attention.
Website : www.cubagob.cu, Phone number : 537-222-545
Cyprus
1. Bank Of Cyprus -
The Bank of Cyprus Group was founded in 1899 and is the leading banking and financial services group in Cyprus. The Group provides a wide range of financial products and services which include retail and commercial banking, finance, factoring, investment banking, brokerage, fund management, private banking, life and general insurance.
The Group currently has a network a total of 427 branches in Cyprus, Russia, Ukraine, the United Kingdom and Channel Islands and employs 9.920 staff worldwide. The Group also has 7 representative offices in Russia, Ukraine, Serbia, China and South Africa and a presence in Romania. Following the decision of the Eurogroup meeting held on 25 March 2013 and the decrees issued by the Central Bank of Cyprus in its capacity as the Resolution Authority, Bank of Cyprus has acquired the insured deposits and the majority of the assets and loans of the Cyprus Popular Bank Public Co Ltd (“Laiki”) and as a result it currently operates through 202 branches in Cyprus and with 5.725 employees (85 branches and 2.369 employees were transferred from Laiki Bank).
In addition, the Group exited Greece, a market in which it has operated for the last 22 years, through the disposal of loans, fixed assets and deposits from its banking operations in the country. In Romania, the Group transferred certain assets and liabilities including most customer deposits, certain loan agreements and related collateral, cash and other liquid assets to the subsidiary of Laiki in Romania. In the UK, deposits of the UK Branch of Laiki Bank have been transferred to BOC’s UK subsidiary and advances to the parent company of the Group. The above major changes mark a new era for the Bank of Cyprus Group.
Address : 51 Stassinos Street, Ayia Paraskevi, Strovolos, P.O. Box 21472, 1599 Nicosia, Cyprus.
Website : www.bankofcyprus.com, Phone Number: 357-22-128000
2. Central Bank Of Cyprus -
The Central Bank of Cyprus was established in 1963, shortly after Cyprus gained its independence, as an autonomous institution in accordance with the Central Bank of Cyprus Law 1963 and the relevant articles of the Constitution. Today the Bank is governed by the Central Bank of Cyprus Laws 2002-2007, which ensure the Bank’s independence as well as compatibility with the relevant provisions of the Treaty establishing the European Community and the Statute of the European System of Central Banks and of the European Central Bank. The law’s amendment in March 2007 paved the way for the legal integration of the Bank into the Eurosystem in January 2008.
The main functions of the Central Bank include :
- implementing the European Central Bank’s monetary policy decisions;
- holding and managing the official international reserves;
- supervising banks;
- safeguarding the stability of the financial system;
- promoting, regulating and overseeing the smooth operation of payment and settlement systems;
- acting as banker for the government.
During the early years of its operation, the Bank undertook fully the functions of banker to the government and the management of international reserves as well as the administration of exchange controls. In parallel, the Bank strengthened its internal structure and prepared the regulatory framework for banking supervision, also setting up the operational framework for the implementation of monetary policy. In the late 1960s and early 1970s, monetary policy became more active, while bank supervision was formalised. During this period government stocks were first issued, with a view to promoting savings and the non-inflationary financing of fiscal deficits.
Following the economic dislocation and disruption caused by the Turkish invasion in 1974, the Central Bank was actively involved in the reactivation of the economy. Thus, the Bank pursued an expansionary monetary policy and facilitated the financing of the housing needs of the refugees and the replenishment of lost capital stock and infrastructure. The role of the Bank was instrumental in the achievement of a rapid improvement in economic conditions that took place subsequently. During the post-invasion period the Bank also assumed a leading role in promoting Cyprus as a regional financial and business centre. Over the years, the international business sector, in particular, has shown a rapid progress and expansion, making a significant contribution to foreign exchange earnings and employment in the island.
Prior to accession to the EU in 2004, the Central Bank began to intensify its efforts towards the liberalisation of the financial sector, which was necessitated both by economic considerations as well as by the need to harmonise Cypriot economic structures and policies with those of the EU. In 1996 the Central Bank moved away from the use of direct instruments for monitoring liquidity in the economy in favour of market-based tools. Thus, the liquid assets ratio, which was the main instrument of monetary policy, was abandoned. Main refinancing operations allotted through tenders were introduced as the primary tool of liquidity management. Auctions for the acceptance of deposits were also introduced as a means to mop-up excess liquidity. Under the current monetary policy framework, the minimum reserve account is the only operational account banks need to maintain with the Central Bank and there are two standing facilities aimed at providing and absorbing overnight liquidity, respectively. Since the beginning of 1996 government paper has been issued by the auction technique, which allows the interest rate to reflect market conditions. Thus, the operational set-up of monetary policy is broadly in line with EU practices.
A landmark in the liberalisation process of the financial sector was the abolition of the statutory interest rate ceiling on 1 January 2001. In the area of capital movement liberalisation, the Capital Movement Law was enacted in July 2003 and came into force on 1 May 2004, the date of Cyprus's accession to the EU. This law, inter alia, repealed the Exchange Control Law thus abolishing all remaining exchange control restrictions. As regards banking supervision, the objective of the Central Bank is to ensure the stability of the banking system, the minimization of systemic risk and the protection of depositors. The rules, policies and practices of the Bank are in line with the EU directives and the recommendations of the Basel Committee on Banking Supervision. The Banking Law 1997 as amended, which establishes the legal framework within which banking business can be pursued, reflects the principles and rules of the EU directives on credit institutions. Furthermore, in accordance with the Prevention and Suppression of Money Laundering Activities Laws 1996 - 2004, the Central Bank is the supervisory authority for banks in this respect. In this connection, the Central Bank has issued a series of directives to banks concerning strict customer identification procedures, record keeping, recognition and reporting of suspicious transactions, the appointment and duties of money laundering compliance officers, and education and training of bank employees in anti-money laundering matters and in combating the finance of terrorism.
Address : 80, KENNEDY AVENUE, CY-1076, Cyprus.
Website : www.centralbank.gov.cy, Phone Number: 357-22-714100
3. Cyprus Development Bank -
Our Mission
Founded in 1963, the Cyprus Development Bank (cdbbank) is today one of the island’s primary financial institutions dedicated to satisfying the needs of business clients. Our aim is to build on the strengths that we have developed in the course of our history and to bring cdbbank even closer to Cypriot and international businessmen by providing a whole range of new and innovative financial services and products. Our vision is to establish cdbbank as a profitable, highly regarded, strongly capitalised, differentiated, commercial financial institution with a high level of expertise.
Corporate Banking from A-Z
cdbbank is dedicated to its corporate clientele and is geared to its needs. We offer a full range of comprehensive banking facilities including :
- corporate loans
- overdrafts
- equity funds
- deposits
- structured finance
- trade finance facilities
- local and international payments
- foreign currency trading
- risk management services
- private banking
Through our subsidiary company, Global Capital Securities and Financial Services Ltd, we also offer a broad range of investment banking services including fund management, brokerage, corporate advisory, flotation of companies and other capital market services.
A Differentiated Bank
Small in size by choice, big in impact by achievement, cdbbank is valued for its highly competent and experienced human capital. It aims to offer its clients the expertise of high-calibre professionals, willing and able to understand each client’s particular needs. Flexible, tailored solutions are the trademark of its personal approach.
Address : Alpha House, 50 Arch. Makarios III Ave., CY-1065 Nicosia, Cyprus.
Website : www.cdb.com.cy, Phone Number: 357-22-846500
4. Marfin Popular Bank -
Corporate Social Responsibility is a major strategic pillar of Laiki Bank Group. It constitutes an integrated framework of policies and practices ensuring the active contribution of the Group to the coherence, sustainable development and welfare of the societies in which it operates. Humanitarian contribution and solidarity, the adoption of socially responsible practices in all sectors of our business activity, the support of environmental protection and sustainable development, of education, culture and sports; these are the main pillars of corporate social responsibility of the Group.
Address : 154 Limassol Ave., 2025, Nicosia, Cyprus.
Website : www.marfinbank.com, Phone Number: 357-22-887766
Czech Republic
1. PPF Banka -
PPF banka a.s. is an integral part of PPF Group, the financial and investment group. The bank focuses on providing financial, investment and consultancy services to selected clients, as well as private banking services. PPF banka’s clients include financial institutions, Czech medium and large enterprises and municipal organisations. PPF banka acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors.
Address : Evropská 2690/17, P.O. Box 177, 160 41 Prague 6, Czech Republic.
Website : www.ppfbanka.cz, Phone number : 420-224-175-888
2. Banco Popolare Ceska republika -
We are a bank that always offers its clients products and services that can be described as: hassle-free, transparent, easily accessible and well-designed. Equa bank offers a wide range of products starting by current and savings accounts, term deposits and mortgage loans and also offer for businesses.
Our bank is a big fan of digital technologies, so a key part of our proposal will always be an online banking both for computers and for mobile devices. Everything that is happening in our bank and what we seek is that we still and always want to our services are considered by our customers as a "Simply better banking."
Equa bank a.s., formerly Banco Popolare Ceska Republika a.s., was acquired in June 2011 by Equa Group Limited. The shareholders of Equa Group Limited are funds advised by AnaCap Financial Partners LLP, a European private equity advisory firm that specialises in the financial services sector.
Address : Karolinská 661/4, 186 00 Praha 8, Czech Republic.
Website : www.bancopopolare.cz, Phone number : 420-224-990-281
3. Raiffeisen Bank -
Raiffeisenbank a.s. is an important banking institution that provides wide range of banking services to private and corporate clientele in the Czech Republic. Raiffeisenbank is a member of Austrian Raiffeisen Group that also offers products and services in the Czech Republic in the area of building savings (Raiffeisen stavební spořitelna), insurance (UNIQA pojišťovna) and leasing (Raiffeisen-Leasing, Raiffeisen-Leasing Real Estate). Raiffeisenbank has merged with eBanka, a.s., in 2008. The bank servers total assets in a volume over CZK 200 billion and thus is the 5th largest bank in the market. Raiffeisenbank serves clients at more than 120 branches and business client centres throughout Czech Republic. The bank also provides services of specialized mortgage centres, personal, corporate and business advisors.
Various local and international awards proof the quality of serrvice. In 2009, Raiffeisenbank was awarded the Most Dynamic Bank of The Year for the third time in the recent four years. eKonto was named as Best Account of the Year. In 2010, the bank received three Golden Crowns for direct banking SME accounts and SME loans. The majority shareholder of Raiffeisenbank with 51 per cent of the shares is Austrian financial institution, Raiffeisen Bank International AG (RBI), whose parent company is Raiffeisen Zentralbank Österreich AG (RZB). Additional shareholders include Raiffeisen Zentralbank AG with 24 per cent and RB Prag-Beteiligungs GmbH with 25 per cent. RBI originated from the merger of the spun-off areas of RZB with Raiffeisen International Bank-Holding AG. The transaction was legally completed in October 2010. The RBI Group´s consistent commitment to quality is regularly reflected by a broad range of local and international awards, including by such leading finance industry publications as "The Banker", "Euromoney" and "Global Finance". From the very beginning, Raiffeisenbank has offered its services with emphasis on the particular needs of clients in the various regions. Besides its business activities, Raiffeisenbank is also involved in a number of community service activities related to culture, education and charity, reflecting Raiffeisen’s 140-year tradition.
Address : Beroun, Husovo namesti, Husovo namesti 45, 266 01 Beroun, Czech Republic.
Website : www.rb.cz, Phone number : 420-221-141-111
4. J&T Banka -
As one of the leading financial institutions in the Czech Republic, we endorse social responsibility, which is something we deem to be an integral part of our company culture. In the area of philanthropy, we have decided to funnel our support into socially, physically and mentally disadvantaged individuals and young, talented athletes. J&T Banka shares its decisions, investments, and successes with its clients. But it also shares the fate and problems suffered by the handicapped, socially week families, and families that have decided to devote their lives to foster care. For this reason we have established Nadační fond J&T and Nadácia J&T, which manage under one roof the funds that we provide to natural and legal persons and non-profit organisations, provided their projects related to the mission and goals of the endowment fund. We support the J&T Sportteam sports club, which provides opportunities to talented swimmers and triathlon athletes, as we believe that we have something to offer to sports. In turn, sports inspire us. Indeed, a vast number of companies implement management mechanisms and elements that have long been used sports.
Address : Pobřežní 14, Prague, Czech Republic.
Website : www.jtbank.cz, Phone number : 420-221-710-111
5. Unicredit Bank -
We are a strong and efficient European bank with a dominant position in Central and Eastern Europe. This helps us to facilitate our clients’ international business and the contacts with their partners. We are continually motivated to provide our clients with high quality services, and we guarantee that all those services will be at a high standard across the entire UniCredit Bank. We stand ready to serve demanding, determined and responsible people, including both private clients and businesspeople, who want to see clear results and relentlessly strive to be better, who demand quality and efficiency from themselves and from others, and who seek to optimise how their money works for them. We offer comprehensive, reliable and exacting products and services that always rank among the best in their fields. We have real personal bankers who are proactive, independent and abundantly competent. We take an individual approach to every client and prepare for each solutions and offers that are truly meaningful, useful, and efficient. Our relationship is based on mutual trust and discretion.
UniCredit Bank Czech Republic, a.s. launched its activities in the Czech market on 5 November 2007. It came into being through the integration of two independently operating and successful banking institutions – Živnostenská banka and HVB Bank. UniCredit Bank Czech Republic, a.s. is a strong and rapidly developing bank offering a wide range of quality products to both corporate and private clients. It is one of the market’s strongest banks in the area of project, structured and syndicated corporate finance. The bank has also built an extraordinarily strong position in acquisition financing and ranks first in financing commercial real estate. Among other services, UniCredit Bank’s clients can utilise services to obtain project financing from the EU structural funds offered through UniCredit Bank’s European Competence Centre. In the sphere of services for private clients, UniCredit Bank plays a significant role on the market for private banking, securities, credit cards and mortgages, and it is doing very well in serving clients in the freelance professions (doctors, judges, attorneys-at-law, notaries, and others). The bank’s Competence Centre for Freelance Professions is devoted to these clients.
Address : Želetavská 1525/1, 140 92 Prague 4, Czech Republic.
Website : www.unicreditbank.cz, Phone number : 420-221-112-111
6. Komercni Banka -
Basic Information
Komerční banka, a.s. ( “KB” or the “Bank”) :
- is the parent company of KB Group (the “Group”) and a member of the Société Générale Group
ranks among the leading banking institutions in the Czech Republic and in Central and Eastern Europe
- is a universal bank providing a wide range of services in retail, corporate and investment banking
- is accessible through KB’s branch network, its direct banking channels, and the subsidiaries’ own sales networks.
Member companies of Komerční banka Group provide additional specialized financial services :
- pension funds
- building society schemes
- factoring
- consumer lending
- insurance
All of the services are accessible through the dense network of KB branches, its own distribution network, and thanks to modern, on-line services, such as direct banking. Service for corporate clients of Komerční banka is provided by two segments, usually according to annual turnover (sales) and number of products used. Companies with turnover from CZK 60 million to 1500 million are generally served by the Corporate sales centers. Clients with a higher turnover are usually served by the Top Corporations divisions, which are located in Prague, Brno and Bratislava.
Komerční banka in the Slovak Republic provides its clients with services via a branch called “Komerční banka, a.s., pobočka zahraničnej banky” is especially focused on large and medium-sized enterprises with a turnover of EUR 40 million or more offers standard banking services, including :
- Cash Management
- Electronic banking
- Payment cards
- Financing
- Investment banking products
- Trade Finance, where KB holds the leading position in the Czech Republic.
The position of the KB branch in Slovakia is especially strong as it has the know-how of the parent KB and uses synergies within KB and SG Group, thanks to which it is able to provide its clients with comprehensive financial solutions.
An individual and personal approach and custom-made products, tailored to suit the requirements of the specific client, constitute an integral part of the offer of services. The KB branch in the Slovak Republic does not offer cash operations.
Address : Na Příkopě 33, 114 07 Praha 1, P.O. BOX 839, Česká Republika.
Website : www.kb.cz, Phone number : 420-800-111-055
7. Volksbank CZ -
Sberbank CZ (known as Volksbank by February 2013) has been operating in the Czech market since 1993; since 1 January 1997 as an independent joint stock company with the CNB banking licence. Sberbank CZ is a commercial bank with an extensive portfolio of financial products and services for retail and corporate clients. We strive to be a trustworthy financial advisor to our clients. Having a profound understanding and knowledge of our clients’ needs, we are able to provide our clients with an individual solution. We are not a mere seller of banking products – we see banking as a service that leads to mutual prosperity and growth. We help our clients to increase their profits by providing them with comprehensible financial and banking advice and top-level personal care. In this way, we strive to ensure that banking regains its original personal dimension.
Shareholders
Sberbank CZ (former Volksbank CZ) has been successfully operating in the Czech market since 1993. The bank’s main shareholder is Sberbank Europe AG (a subsidiary of Sberbank of Russia). Sberbank Europe AG – headquartered in Vienna (Austria); the company’s sole owners since 15 February 2012 is Sberbank of Russia. Sberbank Europe manages a successful and expanding network of banks in eight countries in Central and Eastern Europe (CEE): Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Bosnia and Herzegovina, Serbia, and Ukraine.
Sberbank of Russia is the largest bank in Russia and CIS. Sberbank dominates the Russian banking sector in terms of total assetsand employees about 240,000 people. The founder and principal shareholder of Sberbank of Russia is the Central Bank of the Russian Federation with 50% of the Bank’s authorized capital plus one voting share. The rest of the shares are held by international and domestic investors.
Sberbank of Russia operates the largest national branch network with over 18,400 branches in 17 regional banks. The bank has subsidiaries operating in Kazakhstan, Ukraine, and Belarus, a branch in India, and offices in Germany, China, and most recently also in Switzerland and Turkey. With the acquisition of Volksbank International in 2012, Sberbank of Russia now operates in another eight Central and East European countries.
Sberbank of Russia was established in 1841. Today it is a modern bank with comprehensive services that can meet the needs of various groups of customers, to whom it offers an extensive portfolio of banking services.
Address : Na Pankráci 129, 140 00 Prague 4, Czech Republic.
Website : www.volksbank.cz, Phone number : 420-543-525-222
8. Wustenrot Hypotecni Banka -
Wüstenrot - Founder savings
Year 1921, the German town of Wüstenrot, "Society of Friends" and its motto "Every family, a roof over your head." Thus began the history of the building society on the European continent and building societies Wüstenrot, which became the basis of the financial group Wüstenrot. On the basis of expansion in many European countries and connecting with one of Germany's largest insurance company Württembergische AG Wüstenrot become a major international financial institutions.
Wüstenrot in Czech Republic
Even in our country's name Wüstenrot closely associated with the beginnings of savings. Wüstenrot - Building Society, Inc. began operations in the fall of 1993, the year when the law was adopted on building savings. Since then he has gained the trust of thousands of customers for whom building savings to finance, housing, create financial reserves for retirement and save money for other needs.
Just as in their home countries and in the Czech Republic was the intention Wüstenrot provide clients with a comprehensive set of financial services in the field of family finances. After building savings came in 1999, life insurance, in early 2003 Wüstenrot mortgage offered as another form of home financing.
In 2006 Wüstenrot portfolio of services extended to non-life insurance, focusing primarily on insurance coverage and family housing and motor insurance. Another significant milestone in the development of Wüstenrot, introduction of deposit products and online banking in late 2010 and 2011. Today is Wüstenrot financial group, which consists of four companies. Due to their close cooperation and joint business network of financial advisors, the client Wüstenrot your personal financial advisor, and thus all the necessary services readily available under one roof.
Address : 140 23 Praha 4, Czech Republic.
Website : www.wuestenrot.cz, Phone number : 420-257-092-201.
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