Banco Bilbao Vizcaya Argentaria Colombia S.A. (the Bank) is a private banking institution. The main activity of the Bank includes making loans to public and private sector companies and individual loans. It also develops international banking activities, privatizations, financial projects and other banking activities in general, as well as leasing services. The Company's segments include Commercial Banking, Enterprise and Institutional Banking (EIB), Corporate and Investment Banking (CIB) and Assets and Liabilities Committee (COAP). The Commercial Banking segment is responsible for managing the retail business and the segment of individuals. The EIB segment is responsible for the clients of companies and the public sector. The CIB segment is responsible for corporate clients. The COAP segment is the internal banking that manages the Bank's liquidity and sets the transfer prices for resources going to and from all other banking segments.