- CEO
- Manuel Herrera
- Sector
- Finance
- Industry
- Major banks
- Address
- Buenos Aires Argentina
- IPO Date
- Apr 14, 1998
- Business
- Banco Hipotecario SA is an Argentine commercial banking and financial services institution that provides a comprehensive range of retail, corporate, and investment banking solutions to individuals, small and medium-sized enterprises, large corporations, and public sector entities. Founded in 1886 and headquartered in Buenos Aires, Argentina, the bank operates nationwide through an extensive network of commercial branches, automated teller machines, and digital platforms. The bank conducts its business across primary operating segments including Retail Banking, Corporate Banking, and Treasury and Finance. Its retail product and service offerings include residential mortgage loans, featuring Unidad de Valor Adquisitivo (UVA) indexed home acquisition, construction, completion, and improvement loans; personal loans and consumer financing; payroll accounts, savings accounts, and fixed-term deposit instruments; revolving credit cards and debit cards issued under the Visa and Mastercard networks; payment processing and funds transfers; digital banking services via online and mobile platforms; and bancassurance products encompassing life, home, and personal accident insurance distributed through its subsidiaries BHN Vida SA and BHN Seguros Generales SA. For commercial and corporate clients, the bank provides working capital financing; commercial overdrafts; real estate and equipment leasing; foreign trade finance, export-import credit lines, and foreign exchange transactions; commercial factoring and promissory note discounting; cash management, supplier payment, and payroll services; syndicated loan structuring; and corporate treasury management. Through its specialized capital markets subsidiary BACS Banco de Crédito y Securitización SA and affiliate BH Valores SA, the institution also provides securitization structuring, fiduciary trust administration, debt underwriting, asset management, and financial advisory services. In recent strategic developments, Banco Hipotecario pioneered the return of private mortgage lending in Argentina by relaunching adjustable UVA-denominated home loans for residential acquisition and construction, leading a broader market reactivation of mortgage credit across the domestic banking system. The institution has simultaneously advanced its digital transformation program, deploying enhanced digital onboarding capabilities, updating its retail mobile banking application, and expanding integrations with the MODO interoperable payment ecosystem. In addition, the bank has executed multiple capital markets transactions under its global negotiable obligations issuance programs to strengthen liquidity and support the expansion of its mortgage and corporate lending portfolios.