José María Ayala Vargas

Instituto de Crédito Oficial is a state-owned bank. It provides loans through second-floor facilities, and direct funding. The second-floor refers to the company’s activities such as designs and sets the main characteristics of the different lines of credit, as well as signing the corresponding collaboration agreements with the credit institutions for them to be sold through their networks. The direct funding services pertain to a corporate structured finance for large projects involving productive, public or private investments. The company was founded on June 19, 1971 and is headquartered in Madrid, Spain.

Part of Banco Bilbao Vizcaya Argentaria SA, Banca Catalana SA is a commercial banking company based in Barcelona, Spain. The Spanish company provides commercial banking services.