Banco Provincial, S.A. Banco Universal provides various banking products and services to individuals, businesses, and SMEs in Venezuela. The company offers current, savings, foreign currency, and checking accounts; fixed and term deposits; and loans, including goods and services, mortgage, vehicle, flexible credit, instant payroll credit, liquid credit, commercial, microcredit, and instant credit line loans. It also provides commercial promissory note, factoring, credit line, discount on interests, and foreign trade services, as well as credit for manufacturing, tourist, and agricultural activities. In addition, the company offers debit, credit, corporate, and business cards; e-gift products; import-export oriented products and services; and investment, financing, and internet banking services. It operates through a network of approximately 320 offices and 1700 ATMs; and a telephone network. The company was incorporated in 1952 and is based in Caracas, Venezuela. Banco Provincial, S.A. is a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.