大西洋銀行簡介
大西洋銀行是一間多元化的本地銀行，業務不斷擴展，植根澳門超過一世紀，向來致力支持及服務澳門，我們對此歷史引以自豪，無論你是商業還是個人客戶，我們都一直待你如合作伙伴，今天，我們仍視此為己任。大西洋銀行實力雄厚，全賴葡萄牙儲蓄信貸銀行作為強大後盾，該銀行是歐洲最大金融機構之一，環球網絡遍佈歐洲、亞洲、非及中美洲超過二十個國家，我們熟識澳門、再揉合了國際金融經驗，為客戶提供全面及創新的銀行服務。作為你在澳門的財務伙伴，大西洋銀行自是必然之選。
歷史背景
大西洋銀行於1864年在葡萄牙建行，澳門分行則於1902年設立至今，二零零一年七月，大西洋銀行與葡萄牙儲蓄信貸銀行合併後，成為一間在澳門本地註冊的銀行。現時，大西洋銀行是隸屬葡萄牙儲蓄信貸銀行的全資附屬機構，葡萄牙儲蓄信貸銀行是葡萄牙最大國有金融財團、無論在零售業務或企業信貸、資本市場及財產租賃等皆處於市場領導地位，2009
年底資產總值達1210億歐羅，其網絡分佈於世界各地，全面照顧客戶在國際往來方面的需求。
在二十世紀初期，作為澳門首間成立的銀行，大西洋銀行背負使命，發行澳門自己的鈔票、統一及取代當時流通的不同付款方式，為日後澳門建立一個穩健可靠的金融體系奠定基礎。現時，大西洋銀行仍然維持是澳門特區發鈔銀行的地位。此外，大西洋銀行上海代表處在2006年正式開業。主要業務範圍是為總行及集團提供資訊，市場調查及業務聯絡服務。
業務簡介
大西洋銀行是一間商業銀行，無論在企業及零售業務方面、都提供多元化的銀行服務及產品，包括信用卡、存款、私人貸款、樓宇按揭、貿易融資、資產融資及投資產品。
零售業務
在零售業務方面，大西洋銀行提供極具吸引力的樓宇按揭及各式私人貸款計劃，此外，本行亦是澳門主要VISA及MASTER信用卡發卡銀行，由普通卡、金卡至白金卡都齊備，就信用卡的業績及客戶服務方面曾多次獲得有關機構的嘉許。本行於2008年首次發行以澳門幣結算的BNU美國運通金卡。
除發卡外，大西洋銀行亦是美國運通在澳門的收卡業務代理。雙方充分利用了兩間機構的優勢，包括大西洋銀行在澳的營銷經驗、優質的服務、不斷創新的精神以及美國運通的環球網絡及知名品牌。另一項策略聯盟則是與中國銀聯建立更密切的業務關係。
2009年發行的BNU銀聯財運卡旨在為大西洋銀行客戶提供更多的增值服務及便利，並標誌著大西洋銀行為澳門居民提供全方位產品及優質服務的承諾，進一步推動大西洋銀行在澳門及大中華區的業務。至於提款卡方面，可在澳門及香港超過1700部銀通提款網絡(Jetco)，此外亦可在Maestro網絡上全球使用，大西洋銀行是擁有全澳最俱規模POS網絡的其中一間銀行。
目前，大西洋銀行擁有14間分行，430名員工、161部自動櫃圓機，同時亦透過互聯網及固網提供銀行服務。
零售貸款產品：
• 樓宇按揭
• 私人貸款
• 汽車貸款
• 循環貸款
• 學生貸款
• 網上銀行
• 電話理財
• 信用卡
• 繳費服務
• 存款
• 財富管理
• 保險
企業信貸
在企業信貸方面，除了繼續支持傳統工業外，大西洋銀行亦支持澳門旅娛及博彩現金及財資管理行業的發展和現代化，積極參與大型銀團貸款、提供銀行服務。
貸款： 財務伙伴 必然之選
• 商務貸款
• 信貸限額
• 定期貸款
• 項目籌款
• 備用貸款
貿易融資：
• 押匯備用証
• 信托收據
• 打包貸款
• 可轉讓出口單據
• 出入口托收匯票
擔保：
• 投標保証金
• 履約保証金
• 預付保証書
• 留置金保証書
• 備用信用証
大西洋銀行
澳門新馬路22號
www.bnu.com.mo
電話: 853-2835 5111
BNU is a diversified and expanding local bank which is proud of its longstanding history of supporting and serving the local community in Macau. For over a century, whether it is a business or individual customer, BNU has been working with you as a partner. Well supported by the CGD group in Portugal, one of Europe’s largest financial institutions with an extensive global network in over 20 countries in Europe, Asia , Africa and the Americas, BNU combines local knowledge with international experience to offer you comprehensive and innovative banking solutions. Let BNU be your banking partner in Macau. hCorporate Historyg
Banco Nacional Ultramarino S.A. The Macau branch was opened in 1902 and it operated in the Territory ever since. In July 2001, BNU was established as a joint stock company with its headquarters in Macau. At present, BNU is wholly owned by Caixa Geral de Depósitos S.A. (CGD), Portugal, the largest financial services group, of which the Portuguese Republic is the sole shareholder. CGD is a market leader in retail and commercial banking, capital markets and property leasing in Portugal, with total assets of #121 billion by end of 2009 and the largest branch network, which includes a wide international network. As the first bank established in Macau, in the early 20th century, BNU was entrusted with the important mission of creating and issuing the Territory’s own currency and, in so doing, contributed successfully and decisively to the creation and development of the local banking and monetary system. BNU remains to the present day an issuing bank for the Government of the Macau Special Administrative Region. In addition, BNU has set up a Representative Office in Shanghai in 2006 to provide information, market surveys and liaison services for the Group. hBusiness Overviewg
BNU is a commercial bank, active both in corporate and consumer banking, offering a wide and diversified range of banking services which include credit and debit cards, deposit taking, consumer and mortgage loans, corporate finance, trade finance, fixed asset finance and investment products. Retail Banking
In the consumer banking business, BNU makes available to its custumers attractive mortgage loan packages as well as personal and consumer loans. As the major issuer of Visa Platinum & Visa Gold credit cards in Macau, BNU regularly receives awards for its sales performance and customer service. BNU also issues Visa Classic and MasterCard Gold & Classic credit cards. Besides, the first American Express-branded credit card denominated in the local currency of Macau was launched in 2008. BNU is the card issuer and also responsible for signing merchants in Macau to accept American Express® Cards. The partnership capitalizes on the combined strengths of both organizations, including BNU’s local market expertise, superior services and innovation, as well as the global network and brand recognition of American Express. Another strategic alliance was the collaboration with China Union Pay. The launch of BNU CUP debit card in 2009 gears towards providing more value and convenience to customers of BNU. It is a commitment to strengthen BNU’s product and service offerings to Macau residence, reinforcing BNU’s focus in Macau and Greater China. BNU debit cards can be used in over 1,700 JETCO network ATMs in Hong Kong and Macau, and also worldwide either through the Maestro or CUP network. In addition, BNU has one of the largest POS networks in Macau. Currently BNU has a workforce of 430 people, a network of 14 branches and 160 ATMs and, further, makes its services available through Internet Banking and Phone Banking. Consumer Loans
• Mortgage Loans
• Personal Loans
• Car Loans
• Easy Cash
• Student Loans
Internet Banking
Phone Banking
Credit Card
Payment Services
Deposits
Wealth Management Products
Insurance Products
Corporate Banking
Placing a strong focus on corporate finance, BNU continues not only to support the traditional industries of Macau through trade, working capital and fixed asset finance but also takes part in the financing of new projects aiming at the expansion and modernisation of the key tourism and entertainment industries. Loans
• Business Loans
• Credit Lines
• Term Loans
• Project Finance
• Stand-by Facilities
Trade Finance
• Documentary Credits
• Trust Receipts
• Packing Loans
• Negotiation of Export Documents
• Import/Export Bills for Collection
Guarantees
• Bid Bonds
• Performance Bonds
• Advance Payment Bonds
• Retention Bonds
• Stand-by Letter of Credit
Banco Nacional Ultramarino, S.A. Almeida Ribeiro, No. 22, Macau
www.bnu.com.mo
Tel: + (853) 2835 5111
