Banco de Venezuela SA Banco Universal is a Venezuela-based financial institution principally engaged in the banking sector. Its services and products include saving and current accounts, debit and credit cards, fixed-term deposits, consumer and commercial loans, mortgages and financial assessment, among others. The Bank is also active in the insurance sector and it offers a range of insurance policies. The Bank operates a network of offices and automated teller machines (ATMs) located nationwide, as well as a foreign branch established in Curacao, the Netherland Antilles. As of December 31, 2010, it holds a 33.33% stake in Consorcio Credicard CA, a 32.26% stake in Corporacion Suiche 7B CA and a 61.15% stake in Inmuebles B de V 1985 CA. The Bank’s majority shareholder is Banco de Desarrollo Economico y Social de Venezuela (BANDES), with 98.99% of its interests.