SYNOPSIS
2026
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 UnveilingDBank’sJourney
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
KeyStrenghts
Average annual growth in assets under management during the last 10 years %
Estimated Assets Under Management among our affiliated companies USD MM
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 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 Argentina
Caribbean Venezuela Colombia
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
Financial Indexes Superior
to the market average, a significant reduction in high-risk investments, as well as excellent management of third party portfolios
Corporate Governance
Audit Committee
Compliance Commitee
Credit committee
Technology Committee
Investment & Assets and Liabilities financial Committee (ALCO)
Ethic Committee
Market Context
EntrepreneursChallenges
Today’s Latin American entrepreneur operates in a highly complex and demanding global financial environment. Key structural challenges include:
Banking fragmentation and operational restrictions
1
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
2
3
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
4
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
WealthEngineeringandGlobalGrowth
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
International
corporate and wealth engineering
Professional access to global investments
Continuous
strategic advisory
DBank transforms entrepreneurs from mere bank clients into well-structured financial entities by aligning their operating businesses, investments, and family wealth.
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
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.
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
One-Stop Banking
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
Wealth Management & Investments
Customized USD-denominated portfolios
Fixed income, equities, and alternative assets
Discretionary and advisory mandates
Personal and corporate liquidity management
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
Financial & Accounting
International Tax Planning
Fiduciary Services
Corporate Services
Business Consulting
Our Portfolios
Tailoredtoyourneeds
Portfolio
Models
Capital Preservation
6th Month Time Horizon
Moderate Income
+3 Years Time Horizon
Aggressive Allocation
Return over the long term
Major Regions
Major Sectors
Technology and Innovation
Energy and Decarbonization
Healthcare
Private Credit Markets & Financials
Sustainable Investments
Capital Preservation
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%
Weguideyoueverystep oftheway
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
Developing your business plan
Understanding your numbers & financing
Getting the legal structure to protect your idea
GROWTH
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
DBankismorethananinvestmentbank: itisyourstrategicpartnerforstructuring, protecting,andgrowingwealthglobally
