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 METROPOLITAN UNIVERSITY OF EDUCATION, SCIENCE AND TECHNOLOGY (UMECIT)            FACULTY OF ECONOMIC AND ADMINISTRATIVE SCIENCES       BACHELOR DEGREE IN BANK AND FINANCE ENGLISH                               

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 METROPOLITAN UNIVERSITY OF EDUCATION, SCIENCE AND TECHNOLOGY (UMECIT)            FACULTY OF ECONOMIC AND ADMINISTRATIVE SCIENCES       BACHELOR DEGREE IN BANK AND FINANCE ENGLISH                               

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NAME:
JEIMY GARCÍA 8-964-922
DANIELA LEZCANO 4-808-858
HECTOR ZERNA 8-963-1816
MILAGROS VILLARREAL
8-987-1955

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In this work we will talk about the types of public and private banks and their differences. the stories of each and what are their promotions or services.

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BANK SLOGAN AND LOGO
"the thrill of moving forward"

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The BAC Credomatic Group is the largest issuer and processor in Central America credit and debit cards, for more than 50 banks located in 18 countries in South America, Central America, the United States and the Caribbean. In addition to their banking subsidiaries, BAC Credomatic has operations in stock exchanges, insurance, pension funds and other financial services. The BAC Credomatic Financial Network began operations in Nicaragua with the creation of Banco de América in 1952, and in 1971 Credomatic appeared in Nicaragua as the first credit card company in that country. In 1995 appears in Panama BAC International Bank, consolidating the operations of the Group's subsidiaries.

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In BAC | Credomatic Network we recognize the high value that you place on your privacy. We are committed to respecting your privacy and protecting the confidentiality of the private information that you provide us or that we obtain from other sources. The term private personal information refers to information about you that we collect in connection with the financial services and products that we provide to you. Private personal information does not include information that is available through public sources such as phone books or government files.

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We extend this privacy protection to all of our personal and business clients who have an ongoing relationship with us, such as:

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We extend this privacy protection to all of our personal and business clients who have an ongoing relationship with us, such as:

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·      Deposit accounts

·      Loans

·      Credit Cards

Security boxes, among other

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BANK SLOGAN AND LOGO
"Banesco with you"

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Banesco Panama is a Panamanian financial institution headquartered in Panama City. It was established in Panama on November 17, 1992 under the name of Banesco International Bank Inc. to operate under an international license, as a subsidiary of Banesco Holding C.A., which allowed it to carry out banking operations in that country and the rest of the world. In February 2007 the general license was authorized by the Superintendency of Banks of Panama, being able to offer products and services to the local market.

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Import loans.
Export loans.
Export letters of credit.
Import letters of credit.
Stand-by letters of credit.
International guarantees (compliance, participation, etc.)
Exchange insurance.
Transportation insurance.

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BANK SLOGAN AND LOGO
¨People first¨

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Financial Advisory
Wealth administration
Investment portfolio management
Investment account
Interest-bearing cash management account
Custody of securities through Latinclear and EuroClear
Distribution of both local and international investment products
Repurchase agreements (Repos)
Securities Secured Overdraft Lines and Loans.

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a 100% Panamanian capital bank, began operations on June 30, 1994, it was originally conceived as a purely corporate bank; However, given the considerable growth of the first years and with the vision of being an important player in the Panamanian financial sector, in 1999 we acquired 100% of the share capital of Colabanco, becoming the first banking group to initiate mergers and acquisitions. banking in Panama. . This transaction tripled Global Bank's assets, from 135 to 454 million; Since 1999, Global Bank's growth rates have been consistently higher than the industry. In 2019 we acquired Banvivienda, thus achieving a portfolio of more than 200 thousand clients, becoming an even more strengthened and consolidated financial institution with a range of robust financial products and services that meet the needs of each of our clients. With more than 25 years of operations, we can proudly say that we are a private bank with Panamanian capital in a volume of assets and that we currently have a network of 39 branches, 8 Express Center and 144 ATMs nationwide.

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BANK SLOGAN AND LOGAN
CAJA DE AHORROS
"the bank of the Panamanian family",

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The Savings Bank, “El Banco de la Familia Panameña”, is a leading banking entity in the country and with a recognized track record, founded by Executive Decree No. 54 of June 15, 1934, under the mandate of the President, Harmodio Arias Madrid. . It began operations on July 5 of the same year and its first General Manager was Mr. Guillermo De Roux, who together with 3 collaborators and a capital of B / .150 thousand balboas, contributed to the economic and social progress of the country. giving Panamanians more access to the bank.

Currently, Caja de Ahorros is consolidated as a high-level bank, which has the acceptance of more than one million customers, to whom more than 1,700 collaborators have made their wishes and projects come true, through various products and services that fit your financial needs. .

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Meet at least once a month by summons by the president of the Board of Directors, the General Manager or at the initiative of three main directors; establish with the recommendation of the General Manager, the general guidelines for the proper functioning of the Institution, in accordance with the economic development policy established by the Executive Branch; set the salary and representation expenses of the General Manager; approve and periodically review the business strategies, as well as all the relevant policies and regulations of the Bank; approve the organizational structure and the creation of branches, agencies and banking establishments in general; approve the operating and investment budget; select and evaluate the General Manager, in addition to setting the salary and representation expenses that he accrues; establish reasonable limits and procedures for the risks to which the Bank is exposed, ensuring that the necessary measures are adopted to identify, measure, monitor and control them; authorize the hiring of external auditors and consultants for specific issues

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Receive money in deposit in savings accounts, checking accounts, fixed term,
encrypted and in any other way, in accordance with the practices and uses
banking.
Receive in deposit money from the autonomous institutions of the State, either in

savings accounts, checking accounts, fixed term or under any other form, of
in accordance with banking practices and customs.
Issue securities with the guarantee of your mortgage portfolio.

Issue bonds.

Manage real estate owned by you, natural or legal persons, or of the State.
Manage loans on real estate of natural or legal persons,
or the state.

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BANK SLOGAN AND LOGO
"Let's celebrate life, fighting together"

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The history of the National Bank of Panama is closely linked to that of the Republic. Founded six months after the birth of the Republic as Banco Hipotecario y Prendario.
At the initiative of Deputy Don Rodolfo Chiari, President Manuel Amador Guerrero, promulgated Law 74 of June 13, 1904, which gave legal life to what would become the economic and financial arm of the nation.

With an initial capital of 500 gold pesos, it opened its doors to the public on October 12, 1904, with an austere staff. Its first managers, advisers and clients were some of the most respectable and prestigious heroes of independence. Beyond its initial mortgage duties, the bank carried out discount operations and received deposits from farmers, ranchers and industrialists, and was very strict with the requirement of granting guarantees from its clients. It offered loans that constituted the seed capital of the then incipient national development.

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Management checks and money orders.

Certified Checks.

Tax payment.

Services pay.

Certification of Judicial Deposit.

Guarantee Certificates.

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Reduction of administrative and operational expenses.

- Saving time and money in campaigning with the traditional method of paying the payroll.

- Checks signing is eliminated.

- The availability of funds is accelerated since payments for accounts in Banco Nacional de Panamá are applied online.

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BANK SLOGAN AND LOGO

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NATIONAL MORTGAGE BANK OUR HISTORY Through Law 10 of January 25, 1973, the National Mortgage Bank was created as a state entity with legal status, its own equity and autonomy in its internal regime. Its main function is to provide financing for national housing programs, as enshrined in article 113 of the Constitution. Since its creation 46 years ago, the bank has contributed to improving the quality of life of thousands of Panamanians who today have their own home or a property title that guarantees them the greatest security and gives them the opportunity to offer a legacy to their families. MISSION Provide financing to national housing programs that tend to give effect to the right enshrined in Article 117 of the Political Constitution and to direct, regulate and supervise the National System of Savings and Loans for Housing, in accordance with national plans for economic development and social state. VIEW To be an Institution that efficiently, effectively and transparently serves the mortgage portfolio made up of citizens who for various reasons are not served by other financial institutions.

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LOAN SERVICES TO BUY HOUSES OR APARTMENTS. REAL ESTATE.

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Superintendencia de Bancos de Panamá - Oficina de Atención al Cliente Bancario

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BANCO NACIONAL DE PANAMÁ. GRANDE COMO TÚ

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https://www.lahipotecaria.com/panama/puntos-de-pago/
https://www.baccredomatic.com/es-gt/nuestra-empresa
https://www.cajadeahorros.com.pa/Paginas/inicio.aspx
https://www.youtube.com/watch?v=UzXKP7vujEs