BANDEC distributes its services by means of a
network of over 200 branches, completely automated, located throughout
the whole country. A total of 197 is interconnected by means of
the Data Transmission Public network, through which a high percentage
of the bank operations is made. By the end of 2001, the bank was
counting on 42 automated teller machines placed in Havana City and
in some cities of other provinces of the country.
Another alternative in the distribution of the services, is the
bank-client remote interconnection system, known as Virtual-BANDEC,
a tool which allows clients to operate their accounts and contract
other services from their computers in the office or any other place,
without their physical presence at the bank.
BANDEC�s service portfolio presents, together
with other traditional services of Cuban banking, financing, accounting,
funds transfer and cash services. It also provides fund management,
trust and technical services for investments, giving costumers a
wide range of possibilities to satisfy their needs in the most effective
way.
At the end of the 2001 fiscal year, profits before taxes, recorded
in the books were of 320,0 million pesos, while income was over
423,0 millions. These are the highest benchmarks since the bank
was set up.
By the end of 2001, the bank had more than 74,000 deposits in national
and foreign currencies from enterprises operated by more than 53,000
account holders. This figures ratify Banco de Crédito y Comercio
as leader in this Cuban market segment.
Natural persons, at the close of the 2001, were operating a total
of 345,000 accounts in national currency, convertible pesos and
foreign currency structured in demand deposits, savings accounts,
time deposits and term deposit certificates.
Banco de Cr�dito y Comercio maintains correspondent
agreements with 43 banks, a figure over the 39 correspondent banks
it kept relations with by the end of the 2000 and which enables
BANDEC and its customers to perform operations with better international
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