Luis Ribeiro

Novobanco is the 4th largest bank operating in the Portuguese market, with 1.6 million customers, assets of 43.5 billion euros and a 9.8% market share in 2023. Our omnichannel customer relationship model offers a complete and convenient banking experience, including secure digital channels, complemented by an innovative and recent proximity distribution model, with more than 292 branches and 20 corporate centres covering the entire country. With one of the most robust capital ratios at national and international level, we have strengthened our market share in customer deposits and resources, totalling more than 34.5 billion euros, while guaranteeing the financing of the national economy by supporting families and companies, with more than 25.5 billion euros in loans granted. We value the training of our more than 4,200 professionals and support the community through social, cultural and financial inclusion programmes. Our purpose is to contribute to Portugals economic growth, both for families and companies at all stages of their lives, in a sustainable and responsible way.

Founded in 1983, SIBS provides financial, modern, reliable and secure technology services, particularly in the payments’ area, to more than 300 million users from different geographies, processing more than 7 billion transactions annually. Alongside being a major payment processor in Europe, SIBS is a benchmark in Security and Anti-Fraud solutions and services in Business Process Outsourcing and the Iberian leader in Card Production and Personalization. SIBS was born and grew up as a fintech, innovating and taking technology as its driver in this path. SIBS reinvented the existing payment methods and created MB WAY, Portugal's most modern and complete payment app, which allows users to make purchases, instant transfers and withdrawals using the mobile phone only. It’s also the company responsible for the management of the ATM Express and MULTIBANCO Networks, the largest Portuguese ATM network, to which SIBS has added dozens of features, many of them pioneer worldwide. In parallel, SIBS manages multiple digital payment channels, from Automatic Payment Terminals, to online channels or mobile phones. It is also an important international player, present in several markets, namely in Europe and Africa, where SIBS solutions operate in more than 330 thousand terminals that process around 2 billion transactions, especially in Poland, where SIBS owns Paytel, one of the most dynamic payment terminal operators in that market. Committed in its daily work, SIBS is constantly pursuing its mission of being the reference partner of public and private entities, creating value for Society through the development and management of payment solutions, processes and related services based on technology that combine safety, convenience and innovation, respecting the good behavioral principles and the sustainability conditions. You can find more information about SIBS at www.sibs.pt

A UNICRE é uma empresa portuguesa com mais de 48 anos de experiência nos mercados de pagamentos e de crédito, contando atualmente com o empenho de uma equipa de mais de 200 colaboradores. Através da nossa marca UNIBANCO, emitimos cartões com diferentes funcionalidades, concedemos crédito e disponibilizamos diferentes seguros associados ao cartão ou autónomos. Através da nossa marca REDUNIQ, disponibilizamos soluções para aceitação de pagamentos de várias marcas - Visa, Vpay, Visa Electron, Mastercard, Maestro, JCB, Diners Club International, UPI, Discover e ELO - e criamos serviços que agregam valor aos negócios de vários setores de atividade. Para saber mais sobre as nossas marcas, visite www.unibanco.pt e www.reduniq.pt.

Novobanco is the 4th largest bank operating in the Portuguese market, with 1.6 million customers, assets of 43.5 billion euros and a 9.8% market share in 2023. Our omnichannel customer relationship model offers a complete and convenient banking experience, including secure digital channels, complemented by an innovative and recent proximity distribution model, with more than 292 branches and 20 corporate centres covering the entire country. With one of the most robust capital ratios at national and international level, we have strengthened our market share in customer deposits and resources, totalling more than 34.5 billion euros, while guaranteeing the financing of the national economy by supporting families and companies, with more than 25.5 billion euros in loans granted. We value the training of our more than 4,200 professionals and support the community through social, cultural and financial inclusion programmes. Our purpose is to contribute to Portugals economic growth, both for families and companies at all stages of their lives, in a sustainable and responsible way.

A Garantia Mútua é um sistema privado e de cariz mutualista de apoio às Pequenas, Médias e Micro Empresas (PME), que se traduz fundamentalmente na prestação de garantias financeiras para facilitar a obtenção de crédito em condições adequadas aos seus investimentos e ciclos de actividade. A partilha de risco com outras entidades financeiras facilita o acesso das Empresas ao crédito, libertando plafonds bancários e permitindo a obtenção de montantes, condições de custo e prazo adequados às necessidades, por norma com redução de outras garantias prestadas ao sector financeiro pelas Empresas. Com o objectivo de impulsionar o investimento, desenvolvimento, modernização e internacionalização das PME, as Sociedades de Garantia Mútua prestam ainda todas as outras garantias necessárias ao desenvolvimento da sua actividade nos sectores da Indústria, Comércio, Serviços, Construção, Turismo e Transportes. O capital social das Sociedades de Garantia Mútua é detido por Empresas, Associações Empresariais, Instituições de Crédito, IAPMEI, IFT e pela SPGM, assegurando a possibilidade de a Garantia Mútua actuar nos sectores da Indústria, Comércio, Serviços, Construção, Turismo e Transportes. A característica mutualista resulta do facto de as empresas beneficiárias das garantias serem accionistas de Sociedades de Garantia Mútua.