banking services; financing services; financial services, namely, loan guarantees, deposit and savings accounts, personal credit bureaus, business credit bureaus and hypothecary credit bureaus, financial consultancy, agencies in the field of bonds and other securities, namely, stock market operations and capital market, foreign operations, electronic payment, namely, electronic processing and transmission of external business and international bill payments, financial exchanges, debit and credit card services, investment administration, namely, asset management for clients of the BANIF Group, management of investment funds and pension funds, financial evaluations, namely, valuation of companies, estimates and studies of business, various business areas and general valuations of different kinds of business and analyses of investment projects, custody of bonds, exchange operations and operations with financial derivatives