Banco Exterior CA Banco Universal is a Venezuela-based financial institution principally engaged in the banking sector. The Bank’s products and services include current and saving accounts, fixed-term deposits, consumer and commercial loans, mortgages, debit and credit cards, foreign trade and other banking operations processing services to businesses and individuals. In addition, it provides online and mobile banking services. In addition, the Bank operates a network of branches located in the Santiago de Leon de Caracas Capital District, as well as in the Venezuelan states of Anzoategui, Aragua, Barinas, Bolivar, Carabobo, Cojedes, Falcon, Guarico, Lara, Merida, Miranda, Monagas, New Sparta, Portuguesa, Sucre, Tachira, Trujillo, Vargas, Yaracuy and Zulia. As of December 31, 2011, Redken Investment Corporation was the Bank's major shareholder with a 47.00% of its interest.