BST

What BST does

BST (Banco de Servicios y Transacciones S.A.U.) is an Argentine commercial bank founded in 2002 after acquiring Heller Financial Bank, operating exclusively in the corporate segment since divesting its retail business in 2018. The bank serves large corporations, small and medium enterprises (PyMEs), government entities, and financial institutions across verticals including construction, commerce, industry, mining, and agriculture. BST positions itself as a focused, mid-sized corporate bank within Argentina's national capital banking system, holding investment-grade credit ratings (Moody's A/A-1, FixScr A+/A1) and ranking among the TOP 3 Argentine banks by Return on Equity as of 2022.

BST's product portfolio spans five core pillars: Financing (direct loans, overdrafts, document discounting, factoring, syndicated loans), Investments and Liquidity Management (sovereign and sub-sovereign debt, mutual funds, NDFs, financial trusts, negotiable obligations), Foreign Trade (FX market access, import/export financing, foreign currency loans), Capital Markets (placement of negotiable obligations, financial trusts, public offerings, sub-sovereign bonds, syndicated financing), and Sustainable SME Financing for triple-impact projects. Supplementary offerings include multi-industry Leasing and digital Guarantees (with 24–48 hour approval). The bank delivers these services through dedicated corporate banking account executives, an Office Banking digital platform integrated via RedLink, and distribution partnerships including Fidaval for guarantee products.

BST generates revenue through a mix of net interest income on corporate lending and leasing, transaction and placement fees in capital markets, FX margin on foreign trade services, guarantee fees, and treasury management commissions. The go-to-market motion is sales-led, with customized quote-based pricing for corporate services and direct relationship management. The bank operates within Grupo Financiero ST, an affiliated ecosystem that includes ST Securities (capital markets), Fidaval (guarantees), GST Capital (investments), Life Seguros (insurance), and other entities, enabling cross-sell of integrated financial solutions. All distribution is domestic, with a single head office in Buenos Aires at Tte. Gral. Juan Domingo Perón 646.

Name

BST

Legal name

Banco de Servicios y Transacciones S.A.U.

Website

https://bst.com.ar

Company type

Public

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

BST is an Argentine corporate bank founded in 2002, serving large corporations, SMEs, and government entities with financing, capital markets, foreign trade, leasing, and digital guarantee services. It operates within Grupo Financiero ST and holds investment-grade ratings from Moody's and FixScr.

Ownership category

akta.pro rank

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financing Solutions: Provides personalized loans, direct loans, overdraft facilities, document discounting, syndicated loans, and factoring services to corporate clients for capital access and working capital needs
2. Investments and Liquidity Management: Portfolio management services including government and sub-sovereign debt, short-term securities, mutual funds, NDFs for currency hedging, negotiable obligations, financial trusts, stocks, fixed terms, and deferred payment checks
3. Foreign Trade Services: Foreign exchange market access, international transfers and payments, export/import financing, foreign currency loans, and importer credits for global business expansion
4. Capital Markets: Capital markets services including placement of negotiable obligations (corporate and SME), financial trusts, public equity offerings, sub-sovereign bonds and letters, and syndicated financing structures
5. Leasing Services: Flexible leasing solutions for various industries including transportation, logistics, road, agriculture, commerce, infrastructure, IT, medical technology, and telecommunications
6. Guarantee Services: Digital guarantees including deferred payment checks, bank loans, and securities to facilitate access to credit for SMEs with flexible conditions
7. Sustainable SME Financing: Financing for triple-impact projects (social, environmental, economic) with preferential conditions and flexible terms for SMEs

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BST provides corporate banking services to Argentine businesses, including short, medium, and long-term financing (direct loans, overdrafts, factoring, syndicated loans), investments and liquidity management, foreign trade financing, capital markets intermediation (negotiable obligations and financial trusts), sustainable SME financing, leasing, and digital guarantees. The bank operates exclusively in the corporate segment and supports clients through the integrated Office Banking digital platform.

Product overview

BST (Banco de Servicios y Transacciones S.A.U.) operates as a corporate bank offering a unified platform of financial solutions for businesses. The core portfolio consists of five main service pillars: Financiamiento (financing with direct loans, overdrafts, factoring, commercial credits), Inversiones y Gestión de Liquidez (investment management and liquidity services), Comercio Exterior (international trade solutions), Mercado de Capitales (capital markets and placements including negotiable obligations, financial trusts, public offerings), and Financiamiento PYME Sostenible (sustainable SME financing). Additional services include Leasing (customized leasing across transport, logistics, agriculture, infrastructure, IT, medical tech, and telecom) and Garantías (digital guarantee services). The bank also provides digital access via Office Banking through RedLink integration. BST positions itself as a comprehensive financial services partner under Grupo Financiero ST.

Differentiator

Problem solved

Functional benefit

Products and services

• Financing (Financiamiento) Short, medium, and long-term corporate financing including direct loans, overdrafts (adelantos), discounting of certificates, factoring, and participation in syndicated loans (préstamos sindicados) for Argentine corporate clients.
• Investments & Liquidity Management (Inversiones y Gestión de Liquidez)
• Foreign Trade (Comercio Exterior)
• Capital Markets (Mercado de Capitales)
• Sustainable SME Financing (Financiamiento PyME Sostenible)
• Leasing
• Guarantees (Garantías)
• Office Banking

Quantifiable outcome

• Guarantee approval within 24-48 hours from application
• +1 more outcomes

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• Grupo Financiero STcoreOthersBST is the banking arm of Grupo Financiero ST (Financial Services and Transactions Group), a national capital financial group. The group includes multiple specialized subsidiaries providing complementary financial services including securities trading, guarantees, capital investments, insurance, and other financial products.
• ST Securities S.A.U.coreStrategic or Co-development PartnerSubsidiary of Grupo Financiero ST providing securities trading and capital markets services. Works in conjunction with BST for placement of negotiable obligations, financial trusts, and other capital market instruments.
• FidavalcoreStrategic or Co-development PartnerGuarantee company (Fiduciary Guarantee) operating within the BST financial ecosystem. Provides guarantee services to facilitate credit access for SMEs, enabling deferred payment checks, bank loans, and securities.
• Life SegurosminorStrategic or Co-development PartnerInsurance company within Grupo Financiero ST providing insurance products and services to complement BST's banking offerings.
• RedLinkcoreTechnology or IntegrationTechnology partner providing digital banking infrastructure (bee3.redlink.com.ar) for BST's Office Banking platform, enabling corporate clients to access digital banking services.
• Comisión Nacional de Valores (CNV)coreOthersArgentine securities regulator. BST is registered as Agente de Liquidación y Compensación and Agente de Negociación Integral under CNV N°64, as well as Agente de Custodia de Productos de Inversión Colectiva (N°16) and Fiduciary Services (N°53).

Scale indicators5 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Banco Patagonia S.A. Banco Patagonia is a mid-sized Argentine private bank with strong corporate and SME exposure across regions. Its product breadth — corporate lending, capital markets, and trade services — closely mirrors BST's offering.
• Banco Comafi S.A. Banco Comafi is an Argentine private bank with a pronounced corporate/SME and capital markets orientation, similar to BST. Its focus on mid-market corporates and customized solutions makes it a direct niche competitor.
• Banco Macro S.A. Banco Macro is one of Argentina's largest private domestic banks, serving retail and corporate/SME clients nationwide with a comparable mix of financing, capital markets, and trade finance. As a similarly domestic-capital Argentine bank, it is the closest size-and-model comparable to BST.
• Grupo Financiero Valores (Banco de Valores / Valo): Banco de Valores is an Argentine wholesale bank specialized in capital markets, ALyC services, and corporate custody — a direct functional overlap with BST's capital markets and CNV-registered business lines.
• Grupo Supervielle (Banco Supervielle): Supervielle is an Argentine financial group offering corporate and SME banking, factoring, leasing, and capital markets. Its product portfolio and mid-market corporate focus closely track BST's structure.

Broad incumbents

• ICBC Argentina: ICBC Argentina is the local subsidiary of China's ICBC, with strong corporate and trade finance capabilities. It overlaps with BST's foreign trade and large-corporate lending offerings, but at much larger scale and with trade-flow advantages.
• Banco de la Nación Argentina: BNA is Argentina's state-owned commercial bank, dominant in corporate, agricultural, and SME lending. While it competes with BST in segments like agriculture and SMEs, its public-sector mandate and scale make it a broader incumbent rather than a direct peer.
• Banco Galicia: Banco Galicia is Argentina's largest private domestic bank, providing corporate banking, capital markets, trade finance, and investment services. It competes with BST across nearly every line but at materially greater scale and brand reach.
• Banco Santander Argentina: Santander Argentina is part of the global Santander group, providing corporate & investment banking, trade finance, and capital markets in Argentina. It is a major wholesale competitor with deeper international connectivity.
• BBVA Argentina: BBVA Argentina is the local subsidiary of the global BBVA group, offering corporate/institutional banking, capital markets, trade finance, and treasury services. It is a larger, multi-segment incumbent competing directly with BST for corporate mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC4wMdQCxhCtunwGr8AMHCuw
• LinkedInlinkedin.com/company/banco-bst

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BST