Provident Bank of Belize

About Provident

Provident Bank & Trust of Belize Limited (PBTBL) is an Unrestricted "A" Class Bank licensed by the Government of Belize. Our Bank is regulated and monitored by the Central Bank of Belize who set standards for liquidity requirements and capital adequacy. PBTBL is also fully committed to the prevention of money laundering and fraud. Our license permits us to carry on international banking business with both personal and corporate clients who are non-residents of Belize .

BENEFITS OF DOING BUSINESS WITH US:
Accounts maintained with PBTBL are not subject to any local taxes or exchange control restrictions. Funds are transferred freely into and out of Belize in foreign currencies with no conversion to Belize dollars taking place. Information on accounts is held in strict privacy.

SERVICES THAT WE OFFER: We offer a full range of banking services including accounts maintained in US$, CAD, EURO and Pounds Sterling, international letters of credit (both standby and documentary), back to back loans, international credit cards, telegraphic transfers, traveller's cheques, purchase of stocks and shares on behalf of clients through a broker, Demand Deposit Accounts and Fixed Term Deposits. Click on the Services or Credit Card links at the top of this page for more detailed information.

OUR GOAL:
Our goal is to provide professional and superior banking services to our clients. We are prepared to discuss your specific banking needs and provide a solution if possible.

Danske Bank ( Denmark )

Profile of Danske Bank
Danske Bank is the largest bank in Denmark and a leading player in the Scandinavian financial markets. The Danske Bank Group - which includes Danske Bank, BG Bank, Realkredit Danmark, Danica Pension and a number of subsidiaries - offers a wide range of financial services, including insurance, mortgage finance, asset management, brokerage, real estate and leasing services.

Extensive branch network
In Denmark, Norway and Sweden , the Group serves almost three million retail customers and a significant part of the corporate, public and institutional sectors. It also has a large number of international corporate clients, particularly in the northern European markets. Almost 850,000 customers use the Bank's online services.

The Bank's customers in Denmark have access to an extensive branch network, several corporate banking centres, various subsidiaries and the head office in Copenhagen . Swedish customers are served by the 46 branches of Östgöta Enskilda Bank and Corporate Banking, Stockholm , as well as head office departments.

In Norway customers are served by Fokus Bank, a nationwide bank with 64 branches. Danske Bank also has offices in Helsinki , Finland ; the world's major financial centres; and Denmark 's principal export markets.

Insurance
Danske Bank's insurance activities are concentrated in the Danica Pension insurance group, which conducts extensive life and pension business under its own brand name.

Asset Management
The Bank also has a large volume of business in asset management for institutional and life insurance clients, among others, both in Denmark and abroad.

Staff
By a continual development of its capable staff and innovations in its IT infrastructure, the Group strives to tailor its services to the needs of all of its customers. Including its insurance operations, the Danske Bank Group has almost 18,000 employees.

Financial strength
The Group will continue to expand its activities in order to take advantage of promising business opportunities. Given its considerable capital strength, it can pursue this policy while continuing to adapt existing activities to the increasingly competitive market situation.

The financial results for 2002 showed total assets of DKr1,752bn, shareholders' equity of DKr60bn, a solvency ratio of 10.5 per cent and subordinated debt of DKr31bn. Core earnings for 2002 were DKr10,156m.

At the end of 2002, Danske Bank had an estimated 270,000 shareholders. Four shareholder groups reported holding at least 5 per cent of its share capital. The Bank estimates that about one-third of its share capital is held outside of Denmark .

Bank Of Valetta ( Malta )

The Bank's history can be traced back to 1809 with the setting up of the Anglo Maltese Bank. In 1812 the Banco di Malta and B. Tagliaferro and Sons were established. Joseph Scicluna et fils - forerunner of Sciclunas Bank was established in 1830. In 1946 Anglo Maltese Bank and Banco di Malta merged to form the National Bank of Malta .

In 1949 Sciclunas Bank became affiliated to the National Bank to form the National Bank of Malta Group, in 1969 B. Tagliaferro and Sons became part of the Group and in 1974 Bank of Valletta took over the Group's business.

In 1992, Bank of Valletta, the parent company became the first public company to be listed and its shares quoted on the Malta Stock Exchange. In 1995, Bank of Valletta was privatised after Government sold 12,000,000 shares to the public, thus reducing its stake from 51.2% to 25.2%. As part of its privatisation programme the Government has indicated that it will privatise its minority shareholding in the future.

Bank of Valletta is currently rated by two international rating agencies: an A- rating by Fitch and an A3 rating by Moody's Investor Service. Furthermore, the bank has ensured that an enhanced system of risk management is in place in accordance with the Basle Agreement.

Bank of Valletta is licensed to conduct investment services business by the Malta Financial Services Authority.

BNP Paribas ( Cyprus )

A powerful efficient financial services group created through a successful merger, with solid roots in Europe , leading positions in Asia and an active presence in the United States .

- No. 1 bank in the euro zone in terms of profits and market capitalisation*
- In a very difficult environment, net banking income came to EUR 16.8 billion, down by only 3.8% on 2001*
- A healthy 13.5% return on equity and a competitive 65.2% cost/income ratio*
- Present in over 85 countries, BNP Paribas has 87,700 employees including 66,000 in Europe*
* (December 31 2002)

3 core businesses:

. Corporate and Investment Banking

- Advisory and Capital Markets (Corporate Finance, Equities, Fixed Income and Currency Instrument);
- Specialised Financing (Structured Financing, Energy, Commodities, Export, Project);
- Corporate & Financial Institutions (CFI).

. Retail Banking

. Retail Banking in France : Network of 2,200 agencies, Banque de Bretagne

. International Retail Banking and Financial Services (IRFS) :

    - Asset Finance (BNP Paribas Lease Group)
    - Business Equipment Management (Arius, Artegy, Arval PHH)
    - Consumer Finance (Cetelem)
    - Mortgage Financing (UCB)
    - Retail Banking - Emerging Markets and Overseas Territories (Africa - Indian Ocean, French  Overseas Departments and Territories, Middle East, North Africa - Mediterranean)
    - Retail Banking - United States (BancWest)

. Private Banking, Asset Management, Securities Services and Insurance

- Private Banking and Asset Management
- Cortal Consors
- BNP Paribas Securities Services
- Insurance

BNP Paribas Capital spearheads the Private Equity business. BNP Paribas also offers a comprehensive range of property-related products and services in France and has teams specialised in managing portfolios of quoted stocks and sovereign risks.

Cyprus Popular Bank

From a small Savings Bank in 1901 to a vigorous banking group today, its role has been a leading one in the national, financial, social and cultural fields of Cyprus .

The Internationalisation of operations is of strategic importance to Laiki Group with the main targets being the Greek market as well as countries with a strong presence of Greeks. It has 119 branches in Cyprus , 36 in Greece , 6 in United Kingdom , 5 in Australia and offices in S. Africa , Canada , U.S.A. , Moscow- , and Belgrade .

Laiki Group,always at the forefront of technological advancement, introduced Laiki eBank, the first electronic bank in Cyprus and Greece , offering a comprehensive set of electronic banking and trading services.
Laiki eBank offers 24hour quick and secure service, via all of its channels, namely its call centre - Laiki Telebank (8000 2000), the Internet (www.laikiebank.com), WAP Mobile phone (mobile.laiki.com) and the Automated Teller Machines, with the largest network in Cyprus. In September 2001, Laiki eBank broke new ground by launching the first electronic products in Cyprus . The offering includes a current account (Laiki eChecking) and a credit card (Laiki eCard). These innovative products combine the best interest rates in the market, with the flexible 24hour service of Laiki eBank.


Laiki Group attaches great importance to its contribution to the society of which it is an integral part. It has for several years, pursued a social policy which aims at contributing to the improvement of the quality of life ont he island. Our efforts during the last few years have focused on health and culture.

The culmination of the Group's social activities and the leading social and charitable event on the island is the Radiomarathon for children with special needs, which in the year 2002 completed 13 years of contribution. The achievements of this charity event are undisputable. It has helped upgrade the quality of life of children with special needs, having at the same time a positive impact on the families of these children.

The Group's social policy is complemented by a series of programmes focusing on sports sponsoring, arts and education in general through a wide range of activities of Laiki Cultural Centre.

At the dawn of the 21st century, our vision is to distinguish ourselves as the most dynamic, effective and reliable financial services organisation, while at the same time maintaining our approach to customer service centred on the individual.

Bank Of Cyprus

Founded in 1899, the Bank of Cyprus Group (the Group) is the leading Cypriot banking and financial services group. In addition to its core business of retail and commercial banking, the Group's activities include finance, factoring, investment banking, brokerage, venture capital, fund management, custody, life and general insurance.

Bank of Cyprus Limited (the Bank) has a dominant position in its home market and, since the early 1990s, the Bank has been expanding rapidly in Greece . The Bank's operations in Greece are ranked 7th in terms of loans and deposits in the Greek Market. Internationally the Group seeks to serve the expatriate Greek and Cypriot communities. The Group has an established banking presence in the United Kingdom and expanded to Australia in late 2002.

The Group currently operates through a total of 272 banking outlets, of which 181 are in Cyprus , 75 in Greece , eight in the United Kingdom , six in Australia and one in the Channel Islands . Bank of Cyprus Limited also has representation in the United States of America , Canada , South Africa , Russia and Romania . At 31 December 2002 , the  Group employed 5,518 staff worldwide.

The Bank of Cyprus Group's total assets at 31 December 2002  were C£8.1bn (14.2bn Euro) and Shareholders' funds were C£506mn (883.0mn Euro) at 31 December 2002 . The Group's capital adequacy ratio was 11.6% at 31 December 2002 . Moody's Investor Services, Inc. has given Bank of Cyprus a long-term credit rating of A2 (negative outlook). Fitch Ratings has given the Bank of Cyprus a long-term credit rating of A- (stable outlook).

Bank of Cyprus's market capitalisation at 31 December 2002 was C£586 mn (1,022 mm Euro), the highest on the Cyprus Stock Exchange and representing approximately 21,8% of the market's total capitalisation. Bank of Cyprus Limited's shares are also listed on the Athens Stock Exchange

FBME ( Cyprus )

Confidentiality

Our international clients demand full financial confidentiality.

• All of our staff have been carefully selected and have undertaken rigorous training in the
    art of discretion.
• We offer the highest level of confidentiality for your peace of mind.
  

Innovation

We strive to be at the forefront of modern banking techniques and technology, as innovators
we can boast many 'firsts':

• First International Banking Unit in Cyprus to join the Reuters Monitor Service.
• First International Banking Unit in Cyprus to become a member of SWIFT (Society for Worldwide    Interbank Financial Telecommunications), allowing fast, error-free interbank communication for    international transactions and other banking messages.
• First Cyprus based International Banking Unit to offer Internet Banking. First International Banking    Unit in Cyprus to offer an 'internet card', a prepaid card for secure online purchasing.

Customer Relations

We place great importance on customer relations. Our clients benefit from:

• Current Accounts in all major currencies, with tiered credit interest rates. Fixed term deposit accounts, and high interest rate yielding Certificates of Deposit.
• A full range of Payment Services including, Electronic Funds Transfer (SWIFT), Bankers
     Drafts and Letters of Credit making international banking easier.
• Internet banking for both Corporate and Private banking, making remote banking easier.
• Our multi-lingual team speaks over 22 languages including, English, Arabic, Russian, Greek,    German, French and Italian.
• People are our greatest asset and we carefully select our staff and management, allowing us to    offer the highest standards of customer service, confidentiality and integrity.
• Our senior managers travel regularly to meet overseas clients, maintaining personal contact, and    keeping clients up to date on all activities.

Flexibility

At FBME we recognise that no two clients are alike and we aim to provide a personalised
service tailored to your needs.

• Our staff is fully experienced at overcoming obstacles and crossing new frontiers.
• Our experience and knowledge allows us to tailor our services to match our
     clients' individual needs.
• . To maximise flexibility a fast response is needed. We offer fast track dollar payments executed with    the same day value.
• . The time zone in Cyprus enables us to trade across many parts of the world in one working day,    offering our clients maximum currency flexibility.

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