DBank Synopsis Clients

SYNOPSIS 2026

www.dbankonline.com

DBank Profile DBank is a modern investment bank that caters to Latin American entrepreneurs, sophisticated investors, and family offices. We provide strategic wealth management, international structuring, and long-term capital growth by integrating investment banking, corporate finance, and global advisory services into a single platform.

Founded in 2002, DBank holds an International Banking License registered under the laws of Antigua and Barbuda. With over twenty years of experience, we specialize in delivering tailored banking and investment solutions.

Our approach combines financial engineering, wealth planning, access to global markets, and specialized banking services, all within a robust framework of compliance, confidentiality, and operational efficiency.

The Story Behind Unveiling DBank’s Journey In 1993, Mrs. Isabel Montiel de Osio, a lawyer with a background in corporate and financial banking, decided to invest in the financial sector and establish a multifamily office in Latin America. With over 40 years of experience providing legal services to a wide range of financial institutions and multinational companies in Venezuela, she recognized an opportunity in the market.

At that time, her firm had approximately $80 million in assets under management and maintained intermediary agreements with major banks in Europe. This scenario led to the idea of expanding their financial services by incorporating an international bank.

By 2002, Mrs. Osio, in collaboration with a group of professionals with significant experience in the banking sector, acquired D Bank, LTD., an offshore bank located in Antigua and Barbuda. The goal was to create a high-end financial boutique tailored to high-net-worth clients.

Following the passing of Mrs. Isabel, her son David Osio assumed institutional leadership, ensuring strategic continuity, model evolution, and international expansion.

Under his leadership, DBank has transitioned from a traditional financial boutique into a fully integrated modern investment banking platform.

David Osio is a prominent banking executive, financial strategist, and entrepreneur with over 30 years of experience in international banking, wealth management, and multifamily office platforms.

Our Insight Key Strenghts

% Average annual growth in assets under management during the last 10 years

More than 20 years among the first offshore banks with major recognition of Antigua.

Supervised by the Regulatory Commission of Financial Services (FSRC)

Recognized 2 consecutive years Estimated Assets Under Management among our affiliated companies

USD

100MM

as the first bank in the Caribbean to comply 100% with the standards for the prevention of money laundering and financing of terrorism

More than 80%

of our clients are from Latin America, mainly businessman , top level professionals and companies from the private sector (retailers, suppliers, industrial, technology, among others ) with recognized experience and proved track record of their wealth and assets. Main countries:

Brazil Caribbean Colombia

Argentina Venezuela

Unconventional Investment Banking: A Solid and Reliable Choice for Global Entrepreneurs.

Financial Indexes Superior REAL-TIME Monitoring

of the risk management practices and anti-money laundering administration to ensure a thorough due diligence and compliance with AML/CFT measures not only at the local regulation level but also with international frameworks

to the market average, a significant reduction in high-risk investments, as well as excellent management of third party portfolios

Corporate Government Structure Corporate Governance Audit Committee Compliance Commitee Credit committee Technology Committee Investment & Assets and Liabilities financial Committee (ALCO) Ethic Committee

Market Context

Entrepreneurs Challenges Today’s Latin American entrepreneur operates in a highly complex and demanding global financial environment. Key structural challenges include:

1 2 3 4

Banking fragmentation and operational restrictions Traditional commercial banks, especially in the U.S. and Europe, have reduced their exposure to international clients. This has led to lengthy onboarding processes, unexpected account closures, and limited support for complex corporate structures, creating operational friction and capital flow risks for cross-border businesses.

Rising international tax and regulatory pressure Automatic information exchange, stricter compliance frameworks, and frequent regulatory changes require entrepreneurs to implement more sophisticated structures, clearly separate personal and corporate assets, and proactively anticipate tax and legal risks.

Wealth concentration and lack of planning Entrepreneurs often make the bold choice to concentrate their wealth in a single jurisdiction, a single operating business, and a single currency. However, this approach inherently increases their exposure to political, currency, legal, and succession risks.

Misalignment between business growth and financial structure Rapid business growth can outpace financial structuring, leading to tax inefficiencies, legal exposure, limited financing access, and reduced investor appeal. Addressing these challenges is essential for sustained growth and enhanced business value.

DBank Beyond Banking Wealth Engineering and Global Growth In an environment where traditional commercial banks are imposing increasingly stringent barriers to international investors, DBank serves as an international financial hub, integrating investment banking, wealth management, and cross-border corporate structures into a single platform.

From bank customer to financial structure

DBank transforms entrepreneurs from mere bank clients into well-structured financial entities by aligning their operating businesses, investments, and family wealth.

International corporate and wealth engineering

We design structures that are: Properly integrated onshore and offshore, Tax-efficient and compliant, Robust under banking and regulatory scrutiny, Prepared for growth, succession, or liquidity events

Professional access to global investments

DBank allows USD-based investments with a focus on life-cycle portfolio design. We provide true diversification across assets, geographies, and currencies, prioritizing capital preservation, income, and sustainable growth.

Continuous strategic advisory

We provide long-term advisory services, offering strategic guidance, structural adjustments to comply with evolving regulations, and support for key decisions like expansion, exit, and restructuring.

Our Role Play

Organization Chart Corporate Governance

Chairmans

Ricardo Calcaño

Board of Directors

Executive & Control

Anabella Miro

Secretary

President

Ricardo Calcaño Anabella Miro Jasmine Benjamin

Sanya Arguelles

Anabella Miro

Lawyer

Ana Montes

Internal Audit

Compliance Manager

Gabriel Peñaloza General Manager

Yislania León

Compliance Assistant

Management Team INVESTMENT

RISK

Jose Berrizbeitia

Celina Ochoa

Treasurer

Risk Manager

MARKETING BUSINESS

ADMINISTRATION

VACANT

Fernando Delgado

Business Developer Manager

Accountant

IT

RH

Angel Ho Carmen Monasterio

IT Manager

HR Manager

OPERATIONS Yitzel Leon Operation Manager

Back -Office Janeth Hernandez Victor Torres Investment Analyst

Corporate Executive & Control Management Back Office

Customer Service Coord.

Tibisay Coto

Customer Service Coord.

Lenna Henriquez

Investment Analyst

Martin De Gracia Accounting Analyst

Darllelys Oses Operation Assistant

One-Stop Banking Financial Boutique

Personal Banking Solutions USD personal accounts linked to international structures Efficient management of personal income from dividends, fees, or exits Liquidity solutions for a global lifestyle Digital platforms, international payments, and consolidated reporting

Corporate Banking Solutions Corporate and investment accounts Cash management and international payments Cross-border operational support Executive financial reporting

We are here to help you every step of your financial journey

Wealth Management & Investments Customized USD-denominated portfolios Fixed income, equities, and alternative assets Discretionary and advisory mandates Personal and corporate liquidity management

Financial Solutions Financial & Accounting International Tax Planning Fiduciary Services Corporate Services Business Consulting

International Structuring Holding companies, LLCs, and offshore/onshore structures Estate and succession planning Structures for operating entrepreneurs and family offices International legal and tax coordination

Our Portfolios Tailored to your needs Portfolio Models Capital Preservation Moderate Income

Major Regions

Aggressive Allocation

USA

6th Month Time Horizon +3 Years Time Horizon

Return over the long term

Europe Asia

Major Sectors Technology and Innovation Energy and Decarbonization Healthcare Private Credit Markets & Financials

Emerging Markets Sustainable Investments

Capital Preservation Fixed Income

The conservative model portfolio’s objective is to achieve capital preservation with a 6-month investment time horizon while providing incremental income above that of money market strategies.

The portfolio assets are allocated across a combination of fixed-income products according to a static asset allocation strategy. It maintains a neutral mix over time of Treasuries and Money Markets.

Annualized Return Between 5.7% - 7.55%

Moderate Income Our Moderate portfolio seeks to provide investors with long‐term growth and current income. The portfolio is designed to keep investors ahead of inflation while maintaining the stability of principal.

This model may be appropriate for investors with longer time horizons who can tolerate some volatility.

This model portfolio’s objective is to provide projected cash flows and income above those of money market strategies, while conservatively managing drawdown and negative absolute performance risk, consistent with a 3+ year investment horizon.

Annualized Return Superior 9%

Aggressive Allocation An aggressive portfolio may fit investors who seek to maximize total return over the long term. This portfolio has a targeted 40% allocation in equities and alternative investments, with a higher level of risk than the others.

Annualized Return Between Superior 10%

We guide you every step of the way EVALUATE

A New Idea

Defining your value proposition Understanding your market and target habits Understanding your strengths, skills, and time available Creating a growth story behind your idea

START

A New Business

GROWTH

Developing your business plan Understanding your numbers & financing Getting the legal structure to protect your idea

Your Path Defining SMART goals Identifying new opportunities Building a sales funnel Improving your management and structure Containing your cost structure Diversifying your offer Leverage your business

PROBLEM

Solving

Identifying your pain points Adapting to market changes Developing strategic leadership Creating a proper marketing strategy Converting your finances from red to black

DBank is more than an investment bank: it is your strategic partner for structuring, protecting, and growing wealth globally

London House Building, Suite #2, Corner of Long and Cross Street, St. John’s, Antigua & Barbuda.

P: 268-562-3951 F: 268-562-3950

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www.dbankonline.com

THIS MATERIAL IS FOR INFORMATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE A FORMAL OFFER AND THEREFORE MAY BE MODIFIED WITHOUT PRIOR NOTICE BY BANK "D BANK, LTD IS GOVERNED UNDER THE REGULATIONS OF ANTIGUA & BARBUDA. INVESTMENTS ARE SUBJECT TO RISKS DUE TO PRICE FLUCTUATIONS, INTEREST RATES AND RATES EXCHANGE RATES THAT MAY AFFECT THE LIQUIDITY OR MARKET VALUE OF FINANCIAL INSTRUMENTS. THE HISTORICAL RETURN OF INVESTMENT PRODUCTS IS NOT AN INDICATOR OF FUTURE RETURN. THE VALUE OF INVESTMENTS AND THE RETURNS THEY GENERATE MAY FLUCTUATE AND IS NOT GUARANTEED