Banco Provincial SA Banco Universal, formerly BBVA Banco Provincial SA, is a Venezuela-based financial institution engaged in the banking sector. The Bank’s services and products include current and saving accounts, debit and credit cards, consumer and commercial loans, mortgages, fixed-term deposits, financial assessment, cash management, international trade and other banking operations to businesses and individuals, as well as to small and medium-sized enterprises (SMEs). The Bank is a parent of Grupo Provincial, a group which comprises such entities as Seguros Provincial CA, Provincial Casa de Bolsa CA and Provincial Sociedad Administradora de Entidades de Inversion Colectiva CA, among others. As of December 31, 2011, Banco Bilbao Vizcaya Argentaria SA was the Company’s majority shareholder.