Banco Nacional de Panamá

The National Bank of Panama, also known as Banco Nacional de Panamá, is a commercial bank headquartered in Panama City, Panama. It provides a range of banking products and services to individual customers, businesses, and government entities. These services include retail banking such as savings and checking accounts, personal loans, and credit cards, as well as corporate banking offerings like loans, lines of credit, and treasury services. The bank also facilitates payments and settlements for public sector transactions and manages accounts for various government agencies. Its market focus is primarily domestic, serving the Panamanian economy and its residents.

As the nation's state‑owned bank, the National Bank of Panama is wholly owned by the Government of Panama and operates under its mandate to support national economic development. It acts as the fiscal agent for the government, handling collections, disbursements, and the management of public funds. This role gives the bank a distinctive position in the financial sector, distinguishing it from privately owned commercial banks operating in the country. The bank's ownership structure means it does not have a private parent company or external shareholders, and its governance is overseen by state‑appointed officials. While the bank has faced cyber‑security challenges, such as the DDoS attack in May 2016 linked to the Op Icarus campaign, it continues to provide core banking services across Panama.