| Banco Universal, S.A. |
It offers all modern banking service with eight branches located in
the main cities of the Republic of Panama. |
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| Inmuebles Universales, S.A. |
It is dedicated to the development of residential projects and the administration
of real estates which is owned by the group. |
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| Arrendadora Universal, S.A. |
It offers our clients the financing of their purchases of equipment through
leasing or financial renting. |
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| Factoring Universal, S.A. |
It finances the invoices of our clients offering them liquidity to face
their operations. |
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| Reforestadora Universal de Chiriquí, S.A. |
It develops reforestation projects collaborating with the environment. |
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| Banco Universal Trust Corporation |
It offers our clients banking services under the jurisdiction of the Island of Montserrat. |
