Aresbank, S.A.

Aresbank, S.A. is a Madrid-based Spanish credit institution focused on wholesale and corporate banking, created in 1975 to support trade and investment flows between Spain and markets in North Africa and the Middle East. The bank concentrates on trade finance and related services, including documentary credits, confirmations and discounting, standby letters of credit, guarantees, forfaiting, correspondent banking, and treasury operations such as foreign exchange and money markets, along with corporate lending and participation in syndicated facilities. It targets corporates, financial institutions, and public sector counterparties engaged in cross-border commerce and does not operate a retail franchise for consumers. Aresbank is majority owned by Libyan Foreign Bank and operates under Spanish and European banking regulation, being authorized and supervised by Banco de España within the EU’s Single Rulebook framework (CRR/CRD). Eligible deposits are protected by Spain’s Fondo de Garantía de Depósitos up to the statutory limit. The business model relies on relationship-driven origination, SWIFT-based transaction processing, and a narrow product set relative to universal banks, with funding largely from wholesale and corporate sources and asset exposures concentrated in trade-related credit. Financial statements and Pillar 3 disclosures are typically published annually, and pricing, tenor, collateral requirements, and eligibility criteria are set case by case according to counterparty risk, jurisdiction, and transaction structure.