MoraBanc is a banking group with an international vocation, with the objective of serving the needs of its customers and meeting their expectations, through an organization that aspires to value creation and with quality as a distinctive, competitive element. Our proposal in commercial banking specializes in individual and company banking to provide the most suitable product and service for each kind of customer. Moreover, in individual banking, in order to offer personalized service and give each person the products he needs, we have created territoris MoraBanc (MoraBanc territories), which enable us to adapt our value proposals to different customer profiles.