davidanugraha/M4-RAG huggingface dataset:
Pedro Moreira Salles

Pedro Moreira Salles (Washington, 20 de outubro de 1959) é um banqueiro e empresário brasilo-estadunidense, atual Presidente do Conselho de Administração do Itaú Unibanco.
Herdeiro de uma das maiores fortunas do Brasil, foi listado pela revista Forbes, em 2016, entre os 70 maiores bilionários do país.
Graduou-se magna cum laude em Economia e História pela Universidade da Califórnia em Los Angeles, cursou o programa de mestrado em Relações Internacionais da Universidade de Yale (sem conclui-lo) e o Owners / President Management Program, da Universidade de Harvard.
Atualmente é presidente do Conselho de Administração do Itaú Unibanco; sócio e co-presidente da Cambuhy Investimentos, conselheiro da Totvs e membro do Conselho de Administração da Falconi Consultores Associados. Pedro é ainda membro do Conselho Orientador da Fundação OSESP e membro do Conselho Deliberativo do INSPER.
Durante a sua infância, entre os anos de 64 a 68, viveu e estudou em Paris, no colégio Saint-Louis de Gonzague. Ao retornar ao Rio de Janeiro, concluiu o ensino fundamental e médio no Liceu Franco-Brasileiro, no bairro de Laranjeiras.
Ingressou na Pontifícia Universidade Católica (PUC) do Rio de Janeiro em 1977, onde cursou por um ano a faculdade de Economia, transferindo-se depois para a Universidade da Califórnia em Los Angeles. Formou-se em 1981 e mudou-se para a Costa Leste dos EUA, onde ingressou no curso de Relações Internacionais da Yale, em Connecticut.
Voltou para o Brasil em 1982, quando começou a atuar nos negócios da família. Em 1983, mudou-se para São Paulo e foi convidado a assumir a administração de um negócio agropecuário do grupo, a Cambuhy Agrícola, em Matão, no interior do Estado, onde permaneceu até 1985. Em 1986, junto com seu irmão Fernando Moreira Salles, passou a administrar a companhia holding do grupo Moreira Salles. Em 1989, integra o Conselho de Administração do Unibanco, que presidiu de 1997 a 2004. Em 2004 assume a Presidência do banco, onde permanece até 2008, ano da fusão com o Banco Itaú.
Após a fusão, tornou-se presidente do Conselho de Administração do Itaú Unibanco, posição que ocupa atualmente.
Pedro Moreira Salles nasceu em Washington, nos Estados Unidos, no dia 20 de outubro de 1959, quando seu pai era embaixador naquele país. Filho do diplomata, banqueiro e empresário Walther Moreira Salles e de Eliza Margarida Gonçalves, é irmão de Fernando Moreira Salles, presidente do Conselho da CBMM e escritor; Walter Salles, diretor e produtor de cinema e João Moreira Salles, editor e documentarista. É casado desde 1979 com Marisa Moreira Salles e pai de dois filhos, João Moreira Salles e Antonio Moreira Salles.
Banco Itaú Argentina

Banco Itaú Argentina foi uma subsidiária do banco brasileiro Itaú Unibanco na Argentina. Foi fundado em 1998 após adquirir o Banco Del Buen Ayre. Em 1999, passou a se chamar de Banco Itaú Buen Ayre. O banco possuía mais de 99 agências bancárias e 140 caixas eletrônicos em todo o país, e mais de 400.000 clientes.
Em 2008, o Banco Itaú Buen Ayre mudou seu nome para Banco Itaú Argentina.
Em 24 de agosto de 2023, o Banco Macro comprou as operações do Itaú na Argentina por US$ 50 milhões. Em 3 de novembro do mesmo ano, após a aprovação do Banco Central da República Argentina, a instituição passou nas mãos do Banco Macro e passou a se chamar de Macro BMA.
BankBoston

BankBoston foi um banco de origem norte americana controlado pelo Bank of America e cujos ativos no Brasil foram vendidos ao Banco Itaú em 2006.
Presente no Brasil desde 23 de agosto de 1947, o BankBoston tinha uma atuação dedicada à elite de alta renda. A sua sede era um grande e moderno arranha-céu, com 145 metros de altura e 30 andares que é conhecido como sede do BankBoston, localizado no distrito do Itaim Bibi, na região centro-sul da cidade de São Paulo. Foi concluído em 2002.
Em 1999 houve a fusão do BankBoston e o Fleet Financial Group, dando origem ao FleetBoston Financial, uma instituição que combinava solidez, tradição e modernidade.
Em abril de 2004 houve a fusão entre o Bank of America e o FleetBoston Financial Corporation, instituição controladora do BankBoston.
Em maio de 2006 o Bank of America anunciou um acordo visando a troca dos ativos do BankBoston no Brasil, Chile e Uruguai por ações do Banco Itaú, maior banco privado brasileiro.
De 1784 a agosto de 2006 o símbolo do BankBoston foi a águia. A águia com o ramo de oliveira e as flechas foi o símbolo usado pelo banco para divulgar oficialmente seus serviços. Essa imagem foi inspirada no Grande Selo dos Estados Unidos da América, insígnia adotada pelo país no ano de 1782.
A águia simbolizava a visão e a coragem, cuidando para que o comércio fosse realizado de uma forma correta. Também representava o procedimento do banco no vasto campo dos negócios. Na época, a águia também segurava em sua garra direita um ramo de oliveira, emblema bíblico de paz. Na esquerda, sustentava um molho de oito flechas que simbolizavam força, figura bastante recorrente naqueles tempos para representar a defesa dos direitos adquiridos.
Foi encontrada acidentalmente, entre os velhos papéis de um barco abandonado, uma grande quantidade de impressos que tinha a águia pousada sobre uma elipse dentro da qual havia um grande navio à vela. Como o banco foi fundado por mercadores e armadores de navios mercantes, a águia e o barco pareceram particularmente apropriados para simbolizar o histórico de sua fundação. Com a compra do BankBoston pelo Itaú, a marca BankBoston deixa de existir dando lugar às marcas do Itaú Personnalité.
Banco ItauBank S/A é a partir de agora a razão social do banco anteriormente denominado BankBoston Banco Múltiplo S/A.
Assalto à agência 0262 do Banco Itaú Unibanco em São Paulo

O Assalto à agência 0262 do Banco Itaú Unibanco na Avenida Paulista foi um crime ocorrido em São Paulo (SP), Brasil, na noite entre os dias 27 e 28 de agosto de 2011. Na ocasião, uma quadrilha de assaltantes subtraiu da agência uma quantia estimada entre 250 e 500 milhões de reais, o que tornou este crime no maior assalto à banco já realizado na história do Brasil superando inclusive o assalto ao Banco Central do Brasil em Fortaleza (CE), ocorrido em 2005.
Banco24Horas

O Banco24Horas é uma empresa de soluções financeiras, que possui mais de 150 instituições parceiras, com mais de 24 mil caixas eletrônicos presentes em mais de 900 cidades brasileiras. É um serviço da empresa TecBan para o mercado dos bancos caracterizado pela oferta de acesso nos terminais automáticos ao serviço de saques, cadastro de recarga para telefone pré-pago, pagamentos, consulta de saldos e extratos, entre outros serviços. O nome Banco24Horas é uma marca registrada da TecBan. Como o Banco Central requer que todos bancos disponibilizem 4 saques gratuitos para contas corrente e poupança de pessoas físicas, muitos bancos conveniados disponibilizam estes saques por meio da rede Banco24Horas.
Atualmente atende 145 milhões de brasileiros, o que corresponde a 70% do Produto Interno Bruto do Brasil.
Tem como principais acionistas os maiores bancos brasileiros, onde o Itaú Unibanco detém 31,58%, Bradesco 25,33%, Santander 20,82% e Banco do Brasil 13,53%. Também são acionistas a Caixa Econômica Federal (Caixa Participações) (10%) e Banorte (liquidação extra judicial) (2,78%).
Durante o racionamento de energia entre os anos de 2001 e 2002 no Brasil, também conhecido como "Apagão", os caixas 24h passaram a funcionar apenas das 6h as 22h. Em Março de 2002, mês seguinte após o fim do racionamento, os caixas puderam voltar a funcionar 24 horas por dia mas a Febraban manteve o funcionamento por apenas 16 horas diárias.
Em setembro de 2019, a TecBan anunciou a construção de um sistema para bancos digitais terem acesso à rede de caixas eletrônicos Banco24Horas com redução de custos para operações bancárias, como saques. A ideia é que fintechs, bancos sociais e instituições de pagamento criem uma conexão direta com a TecBan, detentora da rede nacional multibanco.
Itaú CorpBanca

Itaú CorpBanca é a subsidiária do banco brasileiro Itaú Unibanco no Chile. Atualmente, o banco tem 389 agências bancárias no Chile e na Colômbia, sendo 217 no Chile e 172 na Colômbia, o valor de mercado do banco é de 8 bilhões de dólares, ativos de 45 bilhões de dólares e mais de 10 mil funcionários.
A aquisição do CorpBanca pelo Itaú já era esperada desde novembro de 2013, para concretizar a compra o Itaú ira fundir a suas filiais no Chile e na Colômbia com o CorpBanca e irá fazer um aumento de capital de 652 milhões de dólares.
O Itaú Unibanco pagou 3,7 bilhões de dólares pelo CorpBanca e terá 50.5% das ações do novo banco que passará a se chamar Itaú CorpBanca e se tornará a 4ª maior instituição financeira do Chile, com a compra da companhia pelo Itaú Unibanco a marca CorpBanca será extinta e passará a usar apenas a marca Itaú. A aquisição feita no Chile reforça a internacionalização do Itaú Unibanco e para ser concretizada ainda precisa ser aprovada pelos órgãos reguladores do Brasil, Chile e Colômbia.
Boleto bancário

Um boleto bancário (ou simplesmente boleto ou, ainda, bloqueto) é um documento largamente utilizado no Brasil como instrumento de pagamento de um produto ou serviço prestado. Através do boleto, seu emissor pode receber do pagador o valor referente àquele pagamento.
No Brasil, a utilização de boletos bancários é uma prática comum entre empresas sendo que, em média, 3,6 bilhões de boletos de cobrança são emitidos por ano.
O formato e as características gerais dos boletos de cobrança foram desenvolvidos pelo CENEABAN e é padronizado pela FEBRABAN para a utilização da rede bancária brasileira. Ele representa um título de cobrança pagável em qualquer estabelecimento conveniado até uma data preestabelecida. A princípio, os boletos podiam ser pagos apenas em agências bancárias, mas atualmente é possível efetuar o pagamento através de caixas eletrônicos, casas lotéricas, supermercados ou com auxílio de um computador ou smartphone através do internet banking.
Alguns boletos podem conter orientações do cedente que permitam o seu pagamento mesmo após a data estabelecida com eventuais acréscimos de multa ou juros por atraso, sendo tais condições específicas para cada título de cobrança.
Banco: Instituição financeira que, através de contrato próprio firmado com o cedente/beneficiário, fica responsável pela cobrança. O banco receberá o pagamento do referido documento de cobrança pago pelo sacado/pagador, e creditará a importância paga na conta bancária do cedente/beneficiário.
Cedente/Beneficiário: Quem emite a cobrança. Ou seja, aquele que irá receber a quantia cobrada.
Sacado/Pagador: Quem efetua o pagamento do boleto.
Valor do documento: Valor que deverá ser pago pelo sacado antes do vencimento.
Data de vencimento: Data-limite para o pagamento do título.
Código de barras: Representação gráfica dos dados do boleto para leitura através de leitor habilitado para tal função. Os boletos possuem esta representação gráfica codificada no padrão Intercalado 2 de 5.
Pessoas físicas ou jurídicas podem emitir boletos bancários desde que possuam uma conta bancária, bastando se dirigir a uma agência e manifestar o interesse.
Os boletos de cobrança são gerados pelo cedente e as informações do documento (sacado, valor e data de vencimento) são enviadas para o banco através de um arquivo de remessa. Estes dados são gerenciados pela instituição financeira que pode realizar serviços como o protesto de títulos quando inadimplentes.
Os boletos de cobrança tem um custo. O custo dos boletos de cobrança são cobrados quando o arquivo de remessa é enviado ao banco ou quando são liquidados.
Também é possível emitir boletos por meio de uma Fintech. Nesses sistemas, geralmente, não é necessário ter conta em banco, a emissão é simplificada e o boleto pode ser pago em qualquer instituição financeira, mesmo após o vencimento. As tarifas praticadas pelas fintechs normalmente são cobradas apenas após a confirmação do pagamento do boleto e podem ser inferiores às taxas praticadas pelos bancos. Atualmente, o Nubank, PagSeguro, ContaAzul, Quickbooks e a Gerencianet são algumas das principais fintechs que contam com essa solução.
Conciliação bancária

Conciliação bancária ou Reconciliação Bancária é uma forma de controle administrativo e contabilístico utilizado nas empresas, dos seus saldos bancários em dinheiro mantidos em contas correntes de instituições financeiras ou bancos.
O objetivo da conciliação é corresponder os saldos das contas contábeis de Bancos - Conta-Movimento ou similares, tanto no Razão quanto no Livro Diário, com o demonstrado no respectivo extrato bancário da conta corrente. Evidentemente, haverá divergências como a dos "Cheques a Compensar", que se darão em função do intervalo de tempo entre a data da emissão do cheque e a do efetivo saque do mesmo na conta corrente (Ver Clearing). Todas as divergëncias verificadas deverão constar de um relatório, de quais os erros e ocorrências anormais deverão ser corrigidas (análise contábil) ou investigadas (auditoria) com urgência.
Em empresas maiores, esse procedimento de controle contabil era chamado de "reconciliação bancária", pois havia um primeiro procedimento de conferência dos extratos, feito pelo confronto com os controles do gerente ou departamento financeiro.
Com o advento da automação, muitas empresas conseguiram fazer os seus lançamentos nas contas contábeis referentes a movimentação das contas bancárias de movimento, diretamente por intermédio de uma fita magnética ou similar fornecida pelo banco. Esse procedimento elimina a reconciliação bancária em muitos casos, havendo a necessidade de apenas uma revisão contábil periódica.
Existem extratos eletrónicos que facilitam a conciliação bancária e reduzem a hipótese de erros quando utilizados por softwares financeiros. Os formatos mais usados para extrato eletrónico são: CNAB400, CNAB240, OFC ou OFX.
Poderá ainda recorrer a soluções, automatizadas, em softwares de gestão como o Bank Connector no Software PHC.
A conciliação na parte contábil é feita da seguinte forma:
Quando um cheque é utilizado como forma de aumentar o caixa:
Quando um cheque é utilizado para prover o pagamento de obrigações:
Em todo extrato existem tarifas cobradas pelo bancos para manutenção da conta. Neste caso:
Observação:
Ainda em relação à conciliação bancária, podem ocorrer ganhos, pois muitas contas correntes estão vinculadas ou assemelham-se a contas de aplicações de curto prazo, o que neste caso requer um lançamento diferenciado dos demais:
Este último sendo incorporado à demonstração do resultado do exercício como Receitas Financeiras, assim como as despesas também fazem parte das Demonstrações como Despesas Financeiras.
Bancários (João Pessoa)

Bancários é um bairro nobre localizado na zona sul da cidade de João Pessoa, capital da Paraíba. É conhecido por ser um dos melhores bairros da cidade, estando bem localizado entre as universidades, praias, o grande centro comercial de Mangabeira e o centro da cidade.
Sua fundação ocorreu em 26 de abril de 1978. Inicialmente, foi ocupado por servidores da Caixa Econômica Federal, característica essa que implicou no nome do bairro e de algumas ruas, como a avenida Sérgio Guerra, principal dos Bancários.
Conta com uma razoável infraestrutura, com modernos estabelecimentos comerciais na principal avenida do bairro, a Sérgio Guerra, popularmente conhecida como "Princial dos Bancários". É considerado o melhor lugar da zona sul de João Pessoa para se morar, possuindo uma grande área de influência formada pelos bairros vizinhos de Jardim São Paulo, Anatólia, Jardim Cidade Universitária, Colibris, Castelo Branco, Mangabeira e Água Fria. Bancários possui ruas largas e arborizadas, constituídas de residências de padrão médio e também por um grande número de prédios, em sua maioria pequenos, que abrigam muitos estudantes universitários. Conta com várias instituições de ensino como Colégio Poligono Sul, Geo Sul e Carl Rogers entre vários outros estabelecimentos educacionais e comerciais.
Apresentou vertiginoso crescimento na última década, despontando como uma das áreas de maior crescimento imobiliário da capital paraibana, com grandes condomínios. É atualmente o reduto preferido da emergente classe média pessoense, segmento que vem crescendo a passos largos nos últimos anos. Apesar de estar fora do eixo turístico da cidade, destaca-se pela localização privilegiada, próximo às principais universidades - UFPB E UNIPÊ.
O bairro vem passando por um desenvolvimento acelerado no últimos anos, melhorando a infraestrutura e se tornando um dos melhores bairros da cidade para morar.
Em 21 de setembro de 2024 foi entregue a obra do Parque das Três Ruas, com uma área de 9,3 hectares e 2km e extensão. O parque contém espaços de convivência e de esportes.
No dia 2 de novembro de 2024 foi inaugurada a ponte das três ruas, interligando o bairro dos Bancários ao Hospital Universitário Lauro Wanderley, desafogando o trânsito da principal dos Bancários.
Itaú Unibanco

Banco Itaú Unibanco S.A. is a Brazilian financial services company headquartered in São Paulo, Brazil. Itaú Unibanco was formed through the merger of Banco Itaú and Unibanco in 2008. It is the largest banking institution in Brazil, as well as the largest in Latin America, and the seventy-third largest bank in the world. The bank is listed on the B3 in São Paulo and in NYSE in New York.
Itaú Unibanco has operations in Brazil, Chile, Colombia, Panama, Paraguay, United States and Uruguay in the Americas, as well as in Luxembourg, Portugal, Switzerland and the United Kingdom in Europe; China, Hong Kong, Japan and United Arab Emirates in Asia. It has over 33,000 service points globally, including 4,335 branches in Brazil and 55 million customers globally.
Itaúsa, a large Brazilian conglomerate ranking among Fortune magazine's top 500 corporations in the world, serves as the parent company. Outside Brazil, Itaú Unibanco has offices in Asunción, Buenos Aires, Cayman Islands, Dubai, Hong Kong, Lisbon, London, Luxembourg, Montevideo, Nassau, New York, Miami, Santiago, Shanghai, Tokyo, and Zürich.
In 2022, Itaú was considered the most valuable brand in Brazil.
In September 2006, Banco Itaú bought BankBoston's assets in Brazil, Chile, and Uruguay.
On November 4, 2008, Banco Itaú and Unibanco announced the merger that resulted in Banco Itaú Unibanco. The institution was born with R$575 billion in assets, a net equity of around R$51.7 billion and a portfolio of combined credit of R$225.3 billion. The new bank had 4,800 branches and service branches, representing 18% of Brazil's banking network, and 14.5 million account holders (18% of the market). In terms of credit volume, it represented 19% of the Brazilian system and in total deposits, funds and managed portfolios, 21% by 2008. In the insurance and pension plan market, the new group had a 17% and 24% share, respectively. The wholesale operations (corporate) totaled more than R$65 billion, serving more than 2,000 economic groups in Brazil. The private banking (wealth management) business had become the largest in Latin America, with approximately R$90 billion in assets under management.
On August 22, 2009, Banco Itaú Unibanco and insurance company Porto Seguro announced their alliance. The alliance combined residential and automobile insurance operations and included an operating agreement that provided exclusive access to offer homeowner and vehicle insurance products to clients of Banco Itaú Unibanco in Brazil and Uruguay.
In June 2013, the bank agreed to buy Citibank Uruguay's retail banking operations.
In 2014, Banco Itaú announced that it was merging with Chilean bank Corpbanca. As a result, Itaú bought Helm Bank, Corpbanca's operation in Colombia and Panama, and rebranded it under the Itaú name.
Unibanco

Unibanco S.A. was a Brazilian bank which operated from 1924 to 2009, when it was merged into Banco Itaú. The name stood for União de Bancos Brasileiros ("Union of Brazilian Banks").
In 1924 João Moreira Salles established the Casa Bancária Moreira Salles (Moreira Salles Banking House) in the city of Poços de Caldas, state of Minas Gerais. His son Walter Moreira Salles was named an acting partner in 1933 at the young age of twenty-one.
During 1940, Banco Moreira Salles catalyzed its growth by merging with three regional banks, eventually changing its name to União de Bancos Brasileiros (Unibanco).
In time its headquarters moved to São Paulo, in the homonymous state, Brazil's largest financial center. Unibanco grew to be the third largest non-government bank in the country, largely due to the 1995 acquisition of Banco Nacional, which went bankrupt alongside other major financial houses during the national banking meltdown of the early years of the Real Plan.
Even though its shares were listed on the São Paulo Stock Exchange (Bovespa), the bank was largely controlled by its founding Moreira Salles family. Until his death in 2001, Walter Moreira Salles - a renowned banker and diplomat, who served as Brazilian ambassador to the United States, as well as Brazilian Finance Minister - headed the family. After 2006, his son Pedro Moreira Salles served as the company's Chief Executive Officer and Vice Chairman of the Board.
On November 2, 2008, Unibanco and the second largest Brazilian private banking group, Banco Itaú, announced plans for a merger. The merger was approved by the Central Bank of Brazil in late February 2009. As a result of the merger process, Unibanco agencies became new Itaú agencies by the end of 2010, and the Itaú name became the strongest brand in the Brazilian private sector banking market. The defunct bank's name survives in the new merged bank's holding company, which became Itaú Unibanco Holding S.A. However, only the Itaú brand is now used in the bank's corporate image.
Banco Bradesco

Banco Bradesco S.A. is a Brazilian financial services company headquartered in Osasco, in the state of São Paulo, Brazil. It is the third largest banking institution by assets in Brazil and Latin America. It is also one of fifty most valuable banks in the world. The bank is listed at the B3 in São Paulo, where it is part of the Índice Bovespa, in the New York Stock Exchange and in the Madrid Stock Exchange.
Its primary financial services revolve around commercial banking, offering Internet Banking, insurance, pension plans, annuities, credit card services (including football club affinity cards for fans) for customers, and savings bonds. The bank also provides personal and commercial loans, as well as leasing services. Bradesco is a pioneer in using the ATM biometric reading system in Brazil, which enables customers to be identified using the vascular pattern of their hands, serving as a complementary password, available at its 31,474 own ATMs and 5,549 ATMs of Banco24Horas, a Brazilian third-party ATM network.
Bradesco has 5,314 branches, 4,834 service branches and 38,430 banking correspondents. Bradesco customers can also use 34,859 automatic teller machines and 12,975 ATMs of the Banco24Horas. Internationally, Bradesco have one branch in New York, two branches in Grand Cayman, and banking or financial subsidiaries or affiliates in London, Luxembourg, Hong Kong, Buenos Aires, Grand Cayman, Tokyo and Mexico.
Banco Bradesco is constantly expanding and has recently acquired Banco do Estado do Maranhão, Banco Mercantil de São Paulo, Banco Ibi S.A., and the Brazilian operations of Banco Bilbao Vizcaya Argentaria (BBVA), J.P. Morgan Fleming Asset Management, American Express and HSBC Brasil. Banco Bradesco grew its value by more than 50 percent compared with 2017.
Currently the bank is on the top 3 of the most valuable Brazilian brands.
Entre nós, você vem primeiro means "Between us, you come first" in Portuguese.
Banco Safra

Banco Safra is a Brazilian financial services company headquartered in São Paulo. It is the seventh largest banking institution in Brazil and the nineteenth largest in Latin America. It provides services in investment banking, private banking, asset management and retail banking through its neobank AgZero. The bank is part of the financial holding company Safra Group.
The Safra family's history in banking originated with caravan trade between Aleppo, Alexandria and Istanbul during the Ottoman Empire. With the collapse of the Ottoman Empire after the First World War the Safras moved to Beirut. The Safras decided to move to Brazil in 1952. In the 1960s, Joseph Safra and his father, Jacob Safra, founded Banco Safra, S.A. Most of the Brazilian Sephardic Syrian Jewish community established themselves as retail or wholesale merchants. After having established many financial institutions in Lebanon's capital, Beirut in the 1950s, the Safras set up a small specialized bank which originated letters of credit between Sephardic importers and major banks. From this base they grew via the acquisition and opening of new branches.
In 2012 Joseph Safra purchased the remaining shares of Banco Safra, Safra National Bank of New York and Banque Safra-Luxembourg S.A. from his brother, Moise Safra.
A full-service commercial bank, Banco Safra S. A. operates in all areas of the financial sector. Through its major Brazilian subsidiaries, Safra Leasing, Safra Seguros S. A., Safra Distribuidora de Títulos e Valores Mobiliários and Safra Corretora de Valores e Câmbio Ltda., the bank's activities extend beyond traditional lending operations to leasing, securities underwriting, investment fund management, stock brokerage and insurance operations. The bank is also active in trade finance, asset management and treasury operations.
Maestro (debit card)

Mastercard Maestro is a brand of debit cards and prepaid cards owned by Mastercard that was introduced in 1991. Maestro is accepted at around fifteen million point of sale outlets in 93 countries.
On July 1, 2023, Mastercard began phasing out Maestro across Europe. European banks and other card issuers are now required to replace expired or lost Maestro cards with a different card.
Maestro debit cards are obtained from associate banks and are linked to the cardholder's savings account, current account or any of several other types of accounts, while prepaid cards do not require a bank account to operate. Maestro cards can be used at point of sale (POS) and ATMs. Payments are made by swiping cards through the payment terminal, insertion into a chip and PIN device or by a contactless reader. The payment is authorized by the card issuer to ensure that the cardholder has sufficient funds in their account to make the purchase. The cardholder then confirms the payment by either signing the sales receipt or entering their 4- to 6-digit PIN, except with contactless transactions below a specified amount for which no further verification is required.
Maestro often requires on-line electronic authorization for every transaction, although Mastercard's rules permit the establishment of floor limits on Maestro EMV chip transactions only. Not only must the information stored in either the chip or the magnetic stripe be read, but this has to be sent from the merchant to the issuing bank, the issuing bank then has to respond with an affirmative authorization. If the information is not read, the issuer will decline the transaction, regardless of any disposable amount on the connected account, except in the Asia Pacific region, where manual keyed entry is permitted under some circumstances. This is different from most other debit and credit cards, where the information can be entered manually into the terminal (i.e. by typing the 13 to 19 digits and the expiry date on the terminal) and still be approved by the issuer or stand-in processor. In most countries, other than those specified in Mastercard's rules, a PIN rather than a signature is always required to authorise a Maestro transaction, except where no CVM (Cardholder Verification Method) is required.
Caixa Econômica Federal

The Caixa Econômica Federal (Portuguese pronunciation: [ˈkajʃɐ ekoˈnõmikɐ fedeˈɾaw], Federal Savings Bank), also referred to as Caixa or CEF, is a state-owned Brazilian financial services company headquartered in Brasília, Brazil. It is the fourth largest banking institution in Brazil, as well as the fourth largest in Latin America, and the eighty-third largest bank in the world. It is also the largest 100% government-owned financial institution in Latin America.
The bank was founded by Emperor Pedro II on 12 January 1861, as Caixa Economica e Monte de Socorro in Rio de Janeiro as a financial institution destined to collect national savings, mostly from the poor. Over the years, several similar institutions were created, until most of them were merged into present-day Caixa Econômica in 1967.
The 1970s were particularly lucrative for the bank, mostly due to its near-monopoly on savings for the poor and lower-middle classes, the management of Brazilian state (federal) lotteries and being the only lawful pawn broker in Brazil. In the 1990s, however, the scenario changed and the bank underwent a serious downsizing, in which thousands of employees lost their jobs. Part of the problem was caused by the modernization of the Brazilian banking system in the 1980s, with many other banks introducing savings accounts to their portfolios, Brazilian states being granted rights to hold their own lotteries in addition to the federal government's, a series of corruption scandals regarding lottery fraud, and the opening of the national market to foreign banks. The control of inflation also hampered the CEF's financial performance by making savings accounts less attractive.
Nowadays, Caixa is the second-biggest Brazilian bank, and with locations in thousands of Brazilian towns, ranked the third-largest financial institution in Brazil by number of branches. Caixa has more than 146 million accounts, with liabilities worth more than R$ 237.00 billion in savings or investment. Together with government pension funds and other governmental resources, Caixa controls more than R$1.80 trillion (roughly about US$630 billion). Caixa is seen as a tool for public investment and expansion of access to financial services to the Brazilian public.
The CEF is still the manager of most Brazilian lotteries, especially the most popular ones, such as Mega-Sena, Quina and Loteca (former Loteria Esportiva). The profits of Brazilian state (federal) lotteries revert to amateur sport promotion and elementary education.
Central Bank of Brazil

The Central Bank of Brazil (Portuguese: Banco Central do Brasil, pronounced [ˈbɐ̃ku sẽˈtɾaw du bɾaˈziw]) is Brazil's central bank, the bank is autonomous in exercising its functions, and its main objective is to achieve stability in the purchasing power of the national currency. It was established on Thursday, 31 December 1964.
The bank is not linked to any ministry, currently being autonomous. Like other central banks, the Brazilian central bank is the principal monetary authority of the country. It received this authority when it was founded by three different institutions: the Bureau of Currency and Credit (SUMOC), the Bank of Brazil (BB), and the National Treasury.
One of the main instruments of Brazil's monetary policy is the Banco Central do Brasil's overnight rate, called the SELIC rate. It is managed by Monetary Policy Committee (COPOM) of the bank.
The bank is active in promoting financial inclusion policy and is a leading member of the Alliance for Financial Inclusion. It is also one of the original 17 regulatory institutions to make specific national commitments to financial inclusion under the Maya Declaration. during the 2011 Global Policy Forum in Mexico.
Since 25 February 2021, it is independent from the Federal Government.
On 3 November 2020, the bill of the Independence of Central Bank passed the Senate, by 56 votes to 12.
And on 10 February 2021, in the Chamber of Deputies was approved by 339 votes in favor and 114 against without changes, going to President Jair Bolsonaro's sanction, generating the Federal Complementary Law No. 179 of 24 February 2021.
With the Federal Complementary Law No. 179 of 24 February 2021, it became autonomous, in addition to gaining a new organizational structure.
Sede do BankBoston

Sede do BankBoston (formerly Edifício Itaú Bank, at Itaú Fidelité Marginal Pinheiros) is a 35-story skyscraper in São Paulo, Brazil. The structure is a great office skyscraper located in Brooklin, near the Marginal Pinheiros, São Paulo, Brazil. Inaugurated in 2002, it is 145 meters in height and has 35 floors, making it one of the largest in the country and one of the more modern high-rises in Latin America. In 2006, the building was sold to Banco Itaú, prior to which time BankBoston company had merged with Fleet Bank, and ceased to exist as a separate entity. Today, some people call it an Edifício Itaú Bank.
The builder Hochtief, the German capital, was chosen to build the new Brazilian offices of BankBoston, on the ground located on the Marginal Pinheiros São Paulo. The project's financial institution demand the investment of about $65 million, according to Manager of New Business Development of Hochtief, Léo Teixeira. The future of BankBoston headquarters occupy an area of 30 square meters and will have 25 floors. According to the institution, the work began in May 1999 and finished in 28 months, concluding in 2002. Next to the bank building will be constructed a network Hyatt hotel, the United States and one office tower of the ACD, the company's former shareholder of Pão de Açúcar Group Alcides Diniz. The plot of land which will house the condominium, next to the new headquarters of Rede Globo, was owned by Diniz, that the area received as compensation for the purpose of the company in. The architectural design of the condominium was headed by Julio Neves, who did not want to comment on the project.
The Sede do BankBoston is one of the works of architecture and engineering more complex and innovative built on Brazilian soil in recent years. The complex, with its important green area, near the building and its surroundings. The geometric concept of the tower and the pedestrian areas to form a background to scan the landscape. The area of the building houses offices used by 3000 employees, and 8% for the same individuals. 10% of built area refers to the meeting rooms and common areas. The total space is used for banking, commercial and administrative. There is also a cafeteria with a capacity for 500 people, auditorium with 300 seats and center meetings. The tower, designed as a facade in staggered form, is composed of granite, metal and glass. Its structure, cast in sit concrete beams with protestations, creates modern silhouette and distinct profile in the city.
Brigadeiro Faria Lima Avenue

Avenida Brigadeiro Faria Lima (in English: Brigadeiro Faria Lima Avenue), most commonly known as just Faria Lima, is an important avenue in the city of São Paulo, Brazil. It spans the upscale Pinheiros, Jardim Paulistano, Itaim Bibi and Vila Olímpia neighborhoods. It is the main financial center in Brazil, being also an important commercial center that rivals the Downtown and Paulista Avenue areas.
The avenue has recently started to be perceived as some sort of "Brazilian Wall Street" due to the many financial institutions headquartered there or on adjacent streets. Examples include BTG Pactual, Itaú BBA, Bradesco BBI (three of Brazilian biggest investment banks), Goldman Sachs, Credit Suisse, Morgan Stanley, Bank of America Merrill Lynch, JPMorgan Chase, UBS and many others. It is not home to the city's stock exchange - the largest stock exchange in Brazil, B3, is located in the Historic Center of São Paulo - although B3 do hold an office on the avenue.
Avenida Faria Lima was built in the late 1960s, with an initial stretch lying between Rua Iguatemi ("Iguatemi Street"), in the Itaim Bibi district, and Largo da Batata ("Potato Square"), in the neighborhood of Pinheiros, crossing the Jardins region of the city. Initiated in 1967 by São Paulo's then mayor, Brevet Brigadier José Vicente Faria Lima, it would receive his name two years later, after his death.
By 1970, the construction of several high-rise commercial buildings was started, tearing through the middle of the large residential area that had been there before. The large skyscrapers that started to rise above the Jardins prompted it to be called the "Second Paulista."
In the 1990s, then mayor Paulo Maluf devised a plan to extend the avenue in both directions, to the north between Largo da Batata and Pedroso de Moraes Avenue in Pinheiros, and to the south between Cidade Jardim Avenue in Jardim Paulistano and Hélio Pellegrino Avenue in Vila Olímpia. This was done by widening a small residential road in Itaim Bibi. The project was controversial because it would displace many citizens, and it was argued that the rapid expansion of the city would make it only a temporary solution to the growing traffic problems, but it was carried out and opened in the late 1990s.
On Faria Lima Avenue, there are many popular and important places that attract locals (Paulistanos) and visitors alike, such as:
The area is also known for its newly built and futuristic skyscrapers, such as:
The avenue itself and its surroundings have a prominent nightlife, with numerous bars and night clubs. The area also has other important city landmarks, such as Eldorado Shopping Center, and many elegant restaurants and hotels.
List of RiffTrax

The following is a list of RiffTrax, downloadable audio commentaries featuring comedian Michael J. Nelson and others ridiculing (or riffing on) films in the style of Mystery Science Theater 3000, a TV show of which Nelson was the head writer and later the host. The RiffTrax are sold online as downloadable audio commentaries and pre-synchronized videos.
The site was launched by Nelson and Legend Films in 2006 and is based in San Diego.
The following is a list of films for which Michael J. Nelson and guest riffers have provided an audio commentary only, with no VOD available. They are presented in order of the release date. Titles in bold are no longer available.
These are RiffTrax in which Michael J. Nelson does not appear.
These short films are presented as pre-synchronized video files, as opposed to audio files that users must synchronize themselves.
These short films are original RiffTrax content, presented as pre-synchronized video files.
These movies are presented as pre-synchronized video files, as opposed to audio files that users must synchronize themselves.
Titles in bold are no longer available.
Note: The seven original Mike solo VODs were also released on dual-audio (Riffed and UnRiffed) DVD by Legend Films. Missile to the Moon was also released, but does not contain the Mike & Fred Willard riff.
These are RiffTrax featuring Mike, Kevin, and Bill on a DVD or Blu-ray with the original film.
Please note that The Incredible 2-Headed Transplant and The Astro-Zombies listed above are not official physical media releases by RiffTrax. The RiffTrax audio tracks was licensed by Kino Lorber as a special feature for their DVD and Blu-ray releases of the films.
The following is a list of Fathom Events's official Rifftrax Live! theatrical showings.
In October and November 2015, RiffTrax had a poll on their website asking users to choose two previous RiffTrax Live shows, up to and including Miami Connection, that they would like to see return to theaters in one night only encore presentations under the title "Best of RiffTrax Live!". The winners were Starship Troopers, rebroadcast on January 14, 2016 and The Room, rebroadcast on January 28, 2016.
On December 1, 2016, RiffTrax rebroadcast two of their previous RiffTrax Live Christmas shows, Santa Claus Conquers the Martians and Christmas Shorts-stravaganza!, under the title "The RiffTrax Holiday Special Double Feature". The only new material in this event was a pre-recorded segment featuring Michael J. Nelson, Kevin Murphy, and Bill Corbett riffing on fan-submitted Christmas photos.
List of investment banks

The following list catalogues the largest, most profitable, and otherwise notable investment banks. This list of investment banks notes full-service banks, financial conglomerates, independent investment banks, private placement firms and notable acquired, merged, or bankrupt investment banks. As an industry it is broken up into the Bulge Bracket (upper tier), Middle Market (mid-level businesses), and boutique market (specialized businesses).
The following are the largest full-service global investment banks; full-service investment banks usually provide both advisory and financing banking services, as well as sales, market making, and research on a broad array of financial products, including equities, credit, rates, currency, commodities, and their derivatives. The largest investment banks are noted with the following:
Many of the largest investment banks are considered among the "bulge bracket banks" and as such underwrite the majority of financial transactions in the world. Additionally, banks seeking more deal flow with smaller-sized deals with comparable profitability are known as "middle market investment banks" (known as boutique or independent investment banks).
Large financial-services conglomerates combine commercial banking, investment banking, and sometimes insurance. Such combinations were common in Europe but illegal in the United States prior to the passage of the Gramm-Leach-Bliley Act of 1999. The following are large investment banking firms (not listed above) that are affiliated with large financial institutions:
Private placement agents, including companies that specialize in fundraising for private equity funds:
The following is a list of other boutique advisory firms and capital markets firms that have some notability:
The following are notable investment banking and brokerage firms that have been liquidated, acquired or merged and no longer operate under the same name.
List of banks in Japan

This is a list of banks in Japan.
As of January 2025, there are 100 regional banks (地方銀行), with their head offices usually in the capital cities of the 47 Japanese prefectures, serving mainly their local customers. Some of the larger banks had or have opened offices in nearby countries such as China, the US, or the UK., but the number of these has declined since the 1990s.
Examples of them include:
Source:
Japan's banking system has consolidated dramatically since the 1990s. The list below gives an account of the banking industry's composition and consolidation. These banks are usually called the "City banks" (都市銀行).
List of largest banks

The following are lists of the largest commercial banks in the world, as measured by total assets and market capitalization.
This list is based on the April 2024 S&P Global Market Intelligence report of the 100 largest banks in the world. The ranking was based upon assets as reported and was not adjusted for different accounting treatments. Another publication which compiles an annual list of the world's largest banks is The Banker magazine. It publishes a list of the World 1000 Largest Banks every July. The financial data published by the July yearly issue of The Banker are much more extensive compared to the S&P Top 100 banks, but it is not a publication intended for the general public.
Accounting treatment affects the assets reported: for example, the United States uses US GAAP (as opposed to IFRS), which only reports the net derivative position in most cases, leading to US banks having fewer derivative assets than comparable non-US banks. When adjusted for this netting, JPMorgan Chase would have US$4,359.78 billion in total assets, rather than US$3,875.39 billion.
Many of the largest banks in the world are part of larger bank holding companies. This structure allows them to offer various financial services, making them more resilient and competitive in the global market. GlobalData and Forbes India maintain their own lists of the top ten largest banks in the world ranked by their market capitalization.
Comparison of music streaming services

The following is a list of on-demand music streaming services. These services offer streaming of full-length content via the Internet as a part of their service, without the listener necessarily having to purchase a file for download. This type of service is somewhat similar to Internet radio. Many of these sites have advertising that supports free-to-listen options as well as paid subscription-based premium options.
Some services offer non-free options in the style of a digital music store. For a list of online music stores that provide a means of purchasing and downloading music as files of some sort, see comparison of digital music stores. Many sites from both of these categories offer services similar to an online music database.
Neobank

A neobank is a type of direct bank that operates exclusively using online banking without traditional physical branch networks. They challenge traditional banks.
The term neobank has been in use since at least 2016 to describe fintech-based financial providers that were challenging traditional banks. There were two main types of company that provided services digitally: companies that applied for their own banking license and companies in a relationship with a traditional bank to provide those financial services. The former were called challenger banks and the latter were called neobanks.
The term "challenger bank" is used in the UK to refer to a number of fintech banking startups that emerged in the wake of the 2007–2009 financial crisis. Their services may be accessed by clients through their respective computers or mobile devices.
Neobanks are operational in Australia and include banks such as Up, Judo, Alex.
The concept of neobanks was first noted in Bangladesh around 2020. These banks would be digital only with customer accounts not connected to any particular branch.
In India, a neobank is a class of digital-only or online bank that operates without physical branch locations. They typically have lower operational costs, which can sometimes result in lower fees and more competitive interest rates for their customers. Neobanks often partner with well-established, traditional banks to provide services and adhere to regulations.
Neobanks in India typically offer a range of financial services, including savings accounts, current accounts, debit and credit cards, and other banking services. They focus on providing a seamless and user-friendly digital banking experience to a younger audience, with features like instant account setup, easy money transfers, and expense tracking. Some neobanks also target specific customer segments, such as millennials, and offer features like budgeting tools and investment options to that demographic.
Indian neobanks primarily operate in Indian rupees and may have limited cross-border services. International transactions are often handled in partnerships with traditional banks. Federal Bank has partnered with Jupiter and Fi in the neo-banking space.
Neobanks in Iran are legally digital branches of banks. Central Bank passed a limiting law in 2022 which bans banks from starting mobile "neo" bank apps that have their own core. There are a number of active programs such as Omid Bank, Tobank, Wepod and Zpod Kidzy, Bank Mellat Plus. Iranians need Identity national smart cards and video confirmation to open an account.