Davivienda Panamá
Davivienda Panamá (Banco Davivienda (Panamá) S.A.) is a privately held Panamanian commercial bank regulated by the Superintendencia de Bancos de Panamá, serving retail customers, payroll clients, foreigners, and SMEs with deposit, lending, credit card, and online banking products.
- Company typePrivate
- Founded-
- HeadquartersPanama City, Panama
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Davivienda Panamá does
Davivienda Panamá, operating under the legal name Banco Davivienda (Panamá) S.A., is a privately held commercial bank regulated by the Superintendencia de Bancos de Panamá and headquartered in Panama City, Panama. It is part of the broader Davivienda regional banking group, which operates across Panama, Colombia, Costa Rica, El Salvador, Honduras, and Miami, providing the Panama franchise with multi-country brand recognition and operational linkages. The bank primarily targets individual retail customers (Personas), with dedicated sub-segments for foreigners and payroll clients (Cliente de Planilla), and offers business-banking services (Empresas) for corporate and SME clients.
The product set spans the standard retail banking stack: savings accounts (DabuenaVida, DaMás, Internacional), deposits, current accounts (Cuenta Corriente), debit cards, multi-tier Mastercard credit cards (Clásica, Gold, Platinum, Black) with rewards (DaviPuntos) and travel benefits, personal loans, mortgages (Préstamos Hipotecarios), auto loans (Préstamos de Auto) with up to 90% financing and 108-month terms, and a digital banking platform (Banca en Línea). Distribution operates through a physical branch network, online banking, and a call center ((507) 366-6565), with online product origination (Abrir productos en línea) enabling self-serve onboarding.
Revenue is generated through three principal streams: net interest income on the loan book (personal, mortgage, auto, and credit-card lending), deposit gathering — including foreign-currency term deposits yielding 8.50%–11.00% annually — and fee-based services (account maintenance, transaction, and service charges). The core technology layer is described as standard banking infrastructure without disclosed proprietary AI, data, or platform innovations. Headcount is approximately 55 employees, and the entity has no publicly disclosed subsidiaries, funding rounds, M&A activity, or revenue figures.
Davivienda Panamá firmographics
Firmographics- Name
- Davivienda Panamá
- Legal name
- Banco Davivienda (Panamá) S.A.
- Website
- https://bienvenido.davivienda.com.pa
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Davivienda Panamá (Banco Davivienda (Panamá) S.A.) is a privately held Panamanian commercial bank regulated by the Superintendencia de Bancos de Panamá, serving retail customers, payroll clients, foreigners, and SMEs with deposit, lending, credit card, and online banking products.
- Ownership category
- akta.pro rank
Where Davivienda Panamá is headquartered
LocationHeadquarters
- HQ city
- Panama City
- HQ country
- Panama
- HQ region
- Latin America
Offices2 records
Markets served
Davivienda Panamá business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Revenue from interest earned on loans including personal loans, mortgages, auto loans, and credit cards. Interest rates vary by product type.
- Deposit Taking: Accepts customer deposits including savings accounts, checking accounts, and term deposits. Offers interest on deposits at rates ranging from 8.5% to 11% for foreign currency term deposits.
- Fee-based Services: Various banking fees including account maintenance, transaction fees, and service charges. Specific fee schedules available in downloadable tariff documents.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Foreign Currency Term Deposits |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Davivienda Panamá product offering
Product offeringCore offering
Davivienda Panamá is a Panamanian retail bank operating as Banco Davivienda (Panamá) S.A. that offers savings accounts, checking accounts, Mastercard-branded credit cards, personal loans, mortgages, and auto loans to individual consumers, with a secondary commercial banking segment for businesses. The bank delivers its products through physical branches and digital banking channels.
Product overview
Davivienda Panamá offers a comprehensive banking platform serving individuals and businesses with multiple product lines. The portfolio includes savings accounts (Cuenta de Ahorros DabuenaVida, Cuenta de Ahorros DaMás, Depósito, Cuenta de Ahorros Internacional), current/checking accounts (Cuenta Corriente), debit and credit cards (Visa/Mastercard branded), personal loans (Préstamo Personal), mortgage loans (Préstamos Hipotecarios), auto loans (Préstamos de Auto), and online banking services. The credit card lineup features Mastercard variants including Platinum, Gold, Clásica, and Black tiers. The company operates under regulatory oversight from the Superintendencia de Bancos de Panamá.
Differentiator
Problem solved
Functional benefit
Brands
- Mastercard Platinum: Premium credit card offering worldwide benefits through Mastercard.
- Mastercard Gold
- Mastercard Clásica
- Mastercard Black
Products and services
- Savings Account (Cuenta de Ahorros) Standard savings account product for individual retail customers to deposit funds and earn interest.
- Checking Account (Cuenta Corriente) Standard checking account for individual retail customers to manage day-to-day transactions and payments.
- Mastercard Davivienda Credit Card Mastercard-branded credit card issued by Davivienda Panamá for retail consumers, available in multiple variants including Standard, Gold, Platinum, Black, and Daviplata.
- Personal Loan (Préstamo Personal) Unsecured personal loan product for individual retail customers to finance personal needs.
- Mortgage (Hipoteca) Residential mortgage loan product for individual retail customers to finance home purchases.
- Auto Loan (Préstamo de Auto) Auto financing product for individual retail customers to purchase vehicles.
Companies that use Davivienda Panamá
Customer profileSegments3 records
Ideal customer profiles2 records
Davivienda Panamá technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Davivienda Panamá partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MastercardcoreDavivienda Panamá issues Mastercard credit cards including Platinum, Gold, Classic, and Black tiers, providing global payment processing and card benefits to customers.
Recent moves6 records
Expansion highlights6 records
Davivienda Panamá competitors and assessment
Company assessmentDirect peers
- Banco General: Panama's largest private commercial bank, offering retail deposits, checking accounts, mortgages, auto loans, and credit cards across the same customer base as Davivienda Panamá. It is the most direct local competitor in Panama.
- Banistmo: Panamanian commercial bank subsidiary of Bancolombia offering retail deposits, loans, credit cards, and corporate banking. Directly comparable to Davivienda Panamá as a Latin American-origin regional bank operating in Panama.
- Global Bank Corporation: Panamanian commercial bank serving retail and corporate clients with deposits, consumer loans, mortgages, and treasury services. A direct local peer competing for the same retail and SME customer base.
- Banco Aliado: Panamanian private commercial bank offering retail and corporate banking products including deposits, loans, and treasury services. Comparable in scale and product mix to Davivienda Panamá.
- BAC Credomatic: Major Central American commercial bank with a strong Panama franchise offering retail and SME banking, credit cards, auto loans, and mortgages. Directly competes with Davivienda Panamá across consumer and business segments.
- St. Georges Bank & Company: Panamanian private bank focused on personal and commercial banking with deposits, consumer credit, and trade finance. Comparable mid-sized peer competing for similar retail and SME segments.
Broad incumbents
- Banco Davivienda Colombia: Parent/affiliate within the Davivienda group; a large Colombian commercial bank with a comprehensive retail, SME, and corporate product set. Directly comparable as the flagship of the regional Davivienda franchise that Davivienda Panamá operates within.
- Banco Nacional de Panamá: Panamanian state-owned commercial bank providing retail deposits, loans, and payment services nationwide. Comparable in scope of retail and SME banking products even though it operates at significantly larger scale.
- Scotiabank Panamá: Major international bank with Panama operations in retail and commercial banking. Notable as a direct integration counterpart referenced on Davivienda Panamá's website; broadly comparable as a full-service consumer and commercial bank in the same market.
Regional players
- Davivienda Costa Rica: Sister entity within the Davivienda group operating in Costa Rica with a similar retail banking, credit card, and consumer loan product set. Comparable as a regional peer of the same brand operating under the same group outside Panama.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Customer concentration
Davivienda Panamá social profiles
Digital presenceDavivienda Panamá financial estimates
Financial estimateRevenue estimate
Valuation estimate
Davivienda Panamá leadership team
Management profileNumber of profiles
Davivienda Panamá funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Davivienda Panamá M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Davivienda Panamá
What does Davivienda Panamá do?
Davivienda Panamá is a Panamanian retail bank operating as Banco Davivienda (Panamá) S.A. that offers savings accounts, checking accounts, Mastercard-branded credit cards, personal loans, mortgages, and auto loans to individual consumers, with a secondary commercial banking segment for businesses. The bank delivers its products through physical branches and digital banking channels.
Is Davivienda Panamá a public or private company?
Davivienda Panamá is a private company. It is classified as corporate owned and is currently operating.
When was Davivienda Panamá founded?
Davivienda Panamá was founded in -1. It employs 51 to 100 people.
Where is Davivienda Panamá based?
Davivienda Panamá is headquartered in Panama City, Panama, in the Latin America region.
How does Davivienda Panamá make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are deposit Taking and fee-based Services.
Who are Davivienda Panamá's main competitors?
Direct peers on record are Banco General, Banistmo, Global Bank Corporation, Banco Aliado, BAC Credomatic and St. Georges Bank & Company. Broad incumbents are Banco Davivienda Colombia, Banco Nacional de Panamá and Scotiabank Panamá. Davivienda Costa Rica is listed as a regional player.
Does Davivienda Panamá have an API?
No public API is recorded for Davivienda Panamá.