Who we are

Ubium Bank, a Financial Services Company is a wholly owned subsidiary of Ubium Group, a Conglomerate Holding Company. We are involved in the securitization and the issuing of asset-backed securities, to the underserved small and medium-size businesses, nonprofits, affordable-housing developers, community facilities, as well as families and individuals. Our other business involvement include: capital markets, securities trading and financial services, investment banking and wealth management; insurance, industrial investment management and global clearing services. Our experienced staff, state of the art banking technology, and strategic partners allow us to deliver accountable professional and trustworthy service, in serving the low-to- moderate-income and underserved communities.

We are a privately held, minority-owned organization. We render services to a closed pre-identified group of companies, institutions, governments, and individuals. Our business includes corporate finance, mergers and acquisitions, institutional equities, fixed income sales & risk management, trading and research, private client services, derivatives, foreign exchange and futures sales and trading, asset management and custody services.

We have developed substantial expertise in asset and liability management. We achieved a global reputation privately as a prudent and innovative borrower, investor and risk manager. We also develop innovative lending products to meet our clients requests for customized financing – loans, derivatives, market hedges and other instruments, that constitutes the consumer and commercial banking subsidiary of a multinational banking company.

Our Oath and Vision

Leveraging resources by enriching a wide array of initiatives in such areas as education, health, public administration, infrastructure and private sector development, agriculture, and environmental and natural resource management and technology, by providing individuals and private groups with the economic tools to transform their communities.

Our Mission

Providing safekeeping and administration of movable and immovable property, transferred or entrusted to it by person-hood, individuals and private organizations; while promoting global monetary and financial stability by providing specialized banking and financial services through person-hoods, individuals and private groups.

To provide underserved communities with financial products and services that help customers build wealth through personal loans, business loans and investment by all customers.
To provide a working environment where employees can expand professionally and are rewarded for their achievements.
To provide our shareholders a fair return on their investment, while maintaining the Bank’s commitment to providing quality service to the community.

Our Philosophy

For us to be able to perform at the highest level of investment banking, investment management and financial services, we need to be ever vigilant. We must constantly be alert with the ongoing needs of our clients’ and the ever changing landscape of the financial world. To ensure that we bring you unparalleled private products and private services that perfectly match your needs, we make the commitment to maintain the highest standards.

Our Differentiation

Ubium Bank will enjoy some notability for its setup of bank branches. Traditionally, bank branches house back-office operations and administrators, along with secure deposit areas. Ubium Banks’ locations are called ‘franchise’, with a greater emphasis on economic development and investment banking operations atmosphere than traditional bank branches.

Ubium Bank franchise also have a relatively flat administrative hierarchy. Bank branches will consist of ‘Managerial Associates’, ‘Executive Directors’, and ‘Advisory Associates’, with all other employees being referred to as ‘Administrative Associates’. The execution of this concept will billed as removing the “that’s not my department’s thinking of employees and empowering all associates with the ability to work in all areas of a traditionally specialized banking industry; with a greater emphasis on banking, insurance and investments operations and atmosphere than the traditional branches.

Our Charitable Initiative

Ubium Charitable Foundation is dedicated to improving outcomes for children, from pre- kindergarten to the 12th grade, by advancing youth development and education initiatives. We know that the future health of our communities depends on investments made today. We are passionate about leveling the playing field for all children, breaking the cycle of poverty through education and making real change happen for kids.

After all corporate disbursements and expenditures, Ubium Bank will donate One Hundred (100%) Percent of its NET profits to help protect people with disabilities, women and children in need, among others. We will regularly meet with our charity partners and be actively involved in deciding which projects to support, as we want to create sustainable and transformative change whenever and wherever possible.

About Ubium Group

Ubium Group, a Conglomerate Holding Company focuses its holdings on the art and science of making decisions about investment mix and policy, by matching investments to its objectives, asset allocation for our clients, and balancing risk against performance.

Our business includes a range of professional services to oversee an individual’s and company’s securities, such as stocks and bonds, and other assets and investments, such as real estate and so on.
Our Strategy is executed in accordance with a specific investment goal and investment profile. We take into consideration the level of risk, diversification, period of investment and maturity (i.e. when the returns are needed or desired) that our clients seek.
Our Services may include research, financial analysis, and asset valuation, monitoring and reporting. Our fee for services provided can vary widely among other companies.
Our Structure may include a supervision fee, which is calculated on the basis of the asset valuation at the beginning of our partnership. Since this fee is guaranteed to our company, it is typically a lower amount and alternatively, this fee may be tied to profits earned by our company for our clients, in such cases, the risk-based fee is usually much higher.

We believe that intellectual capital is critical to providing innovative solutions and, ultimately, having a positive economic impact. Over the years, we have been fortunate to attract some of the most talented professionals in our industry. They stay to build rewarding careers because of our entrepreneurial spirit, a commitment to our people and the high expectation for excellence. Our people are our most valuable asset – they are skilled problem solvers that believe challenges can be opportunities.