Banco Nacional de Credito CA Banco Universal (BNC, the Bank) is a Venezuela-based financial institution principally engaged in the banking sector. The Company has a special emphasis on such sectors as agribusiness, mortgages, microcredit, tourism, and manufacturing. The Bank's products and services include current and savings accounts, credit and debit cards, deposits, investment funds, consumer and commercial loans, financial assessment, factoring, as well as other banking operations. The Bank's customers are both corporate clients and individuals. The Bank is active through branches located in over 20 states, such as Aragua, Barinas, Carabobo, Falcon, Lara, Merida, Monagas and Nueva Esparta, among others.