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Banks / Austro

Austro rates and fees

Banco del Austro S.A. · private bank. Information taken from the documents the bank publishes; TasaJusta is not affiliated with it.

According to the documents it publishes, the bank has term-deposit rates from 31 to 360 days (2.75% to 5.65% nominal annual), rates for 7 savings accounts, loan rates in 6 segments and 6 card fees.

Risk ratingAA+ / AAA-PCR PACIFIC CREDIT RATING - CLASS INTERNATIONAL RATING CALIFICADORA DE RIESGOS S.A. / GLOBAL RATING S.A. · December 2025
Access to informationPublishes its ratesPublic documents that can be downloaded.
Document modifiedOctober 2, 2026by the date of the published file
DownloadedOctober 23, 2026TasaJusta’s latest reading

Rating as published by the Superintendencia de Bancos ↗, Ecuador’s banking regulator. TasaJusta does not rate banks.

At a glance

This month’s rates against the other banks and, for private banks, the balance sheet from the latest Superintendencia de Bancos bulletin.

360-day deposit, $10,0005.25%#2 of 18 banks · median 4.68%
Savings, $10,000 balance4.75%#5 of 17 banks · Cuenta ahorros ejecutiva persona natural
Assets$3,752.6 million#7 of 23 private banks · 4.52% of the total
Customer deposits$3,236.5 million47.93% on demand, 49.99% term
Investments$754.3 million20.10% of its assets · system 19.33%
Non-performing loans4.09%system 2.94% · what it is
Liquidity25.27%available funds over short-term deposits · system 17.14%
Profit 2026 (January to September)$22.3 million10.30% on its equity, annualised

Where its assets are

Breakdown of assets at September 30, 2026, against all private banks together.

AccountUSD millionOf assetsSystem
Loans (net of provisions)2,000.353.30%63.13%
Investments754.320.10%19.33%
Available funds555.114.79%9.84%
Other assets443.011.80%7.70%

Its equity is $288.5 million, 7.69% of its assets (private banks: 9.28%).

Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.

Term deposits

Nominal annual rate by term and amount, as the bank publishes it.

General · interest at maturity

Term (days)$1,000 to $9,999$10,000 to $49,999$50,000 to $99,999$100,000 to $249,999from $250,000
31–602.75%2.78% effective3.00%3.04% effective3.10%3.14% effective3.25%3.30% effective3.50%3.56% effective
61–903.00%3.04% effective3.25%3.29% effective3.40%3.45% effective3.60%3.65% effective3.75%3.81% effective
91–1203.40%3.44% effective3.60%3.65% effective3.70%3.75% effective3.90%3.96% effective4.10%4.16% effective
121–1803.85%3.90% effective3.95%4.00% effective4.15%4.21% effective4.35%4.41% effective4.50%4.57% effective
181–2704.45%4.50% effective4.55%4.60% effective4.65%4.70% effective4.75%4.81% effective4.90%4.96% effective
271–3604.85%4.85% effective4.95%4.95% effective5.05%5.05% effective5.15%5.15% effective5.25%5.25% effective

Source: Tasas Pasivas, page 1 · downloaded October 23, 2026 · 70 values.

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Savings accounts

AccountBalanceNominal rate
Cuenta de ahorrosInstant-access savings$0 to $5000.10%
Cuenta de ahorrosInstant-access savings$501 to $1,0000.20%
Cuenta de ahorrosInstant-access savings$1,001 to $5,0000.30%
Cuenta de ahorrosInstant-access savingsfrom $5,0010.75%
Cuenta ahorros infantilChildren and young peoplefrom $04.00%
Cuenta ahorros ejecutiva persona naturalInstant-access savingsfrom $04.75%
Cuenta ahorros Austro futuro - Austro futuro digitalScheduled savingsfrom $04.75%
Cuenta AustrogirosInstant-access savingsfrom $02.00%
Cuenta digitalInstant-access savingsfrom $00.50%
Cuenta basicaInstant-access savingsfrom $00.10%

Source: Tasas Pasivas, page 1 · downloaded October 23, 2026 · 10 values.

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Loans

ProductEffective annualNominalLegal maximum
Consumo prioritarioConsumer16.77%15.60%16.77%
Crédito inmobiliarioReal estate (housing)9.15%8.79%9.15%
Microcredito DE acumulacion ampliadaExtended-accumulation microcredit22.05%20.09%22.05%
Microcredito minoristaRetail microcredit28.23%25.12%28.23%
Microcredito DE acumulacion simpleSimple-accumulation microcredit24.89%22.43%24.89%
Crédito DE vivienda DE interés públicoSocial and public-interest housing4.99%4.88%4.99%

Source: Tasas Activas, page 1 · downloaded October 23, 2026 · 6 values.

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Cards

ServiceFee incl. VAT
Debit card · card issue (chip)$5.03
Credit card · card issue (chip)$5.03
Credit card · card renewal$5.03
Debit card · annual service$1.81

Source: Tarifario General, page 3 · downloaded October 23, 2026.

Annual credit card charges

Card or segmentChargeAnnual fee incl. VAT
Segmento B+Rewards plan$32.20
Segmento B+ y BBenefits abroad$18.40

Source: Tarifario General, page 4 · downloaded October 23, 2026.

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Services and other fees

Service fees

ServiceFee incl. VAT
Transfer to another bank (SPI), online$0.41
Transfer to another bank (SPI), at a branch$2.21
Withdrawal at another bank’s ATM$0.52
ATM balance enquiry abroad$1.02
Transfer abroad, over $10,000$115.00
Reloadable prepaid card · issue$5.03

Source: Tarifario General, page 3 · downloaded October 23, 2026.

Paying for credit card purchases in instalments

Effective annual rate and, when the bank publishes it, the weighting factor: total interest as a percentage of the amount paid in instalments.

TermEffective rateFactor
3 months16.77%2.61%
6 months16.77%4.60%
9 months16.77%6.61%
12 months16.77%8.65%
24 months16.77%17.06%
36 months16.77%25.86%

Source: Tarjeta Credito Clientes, page 1 · downloaded October 23, 2026 · 6 values.

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Earnings

Profit or loss for each year according to the Superintendencia de Bancos bulletins, since 2000. The latest year runs to the cut-off date.

01020302000: 0.0 million2001: 0.0 million2002: 1.5 million2003: 5.2 million2004: 3.2 million2005: 6.3 million2006: 6.3 million2007: 10.1 million2008: 10.7 million2009: 7.6 million2010: 13.1 million2011: 15.8 million2012: 14.1 million2013: 12.3 million2014: 13.5 million2015: 9.2 million2016: 4.0 million2017: 8.5 million2018: 11.5 million2019: 13.1 million2020: 7.7 million2021: 12.6 million2022: 13.2 million2023: 16.3 million2024: 9.8 million2025: 23.5 million2026 (January to September): 22.3 million200020052010201520202026
YearProfit for the yearBefore taxOn equityOn assets
2026 (January to September)cut-off September 30, 202622.336.710.30%0.83%
2025cut-off December 31, 202523.540.78.86%0.75%
2024cut-off December 31, 20249.815.03.86%0.38%
2023cut-off December 31, 202316.325.86.89%0.68%
2022cut-off December 31, 202213.221.25.87%0.54%
2021cut-off December 31, 202112.621.06.26%0.57%
2020cut-off December 31, 20207.714.34.01%0.37%
2019cut-off December 31, 201913.123.07.36%0.72%
2018cut-off December 31, 201811.521.16.78%0.67%
2017cut-off December 31, 20178.515.55.12%0.50%
Earlier years (2000 to 2016)
YearProfit for the yearBefore taxOn equityOn assets
2016cut-off December 31, 20164.08.52.55%0.23%
2015cut-off December 31, 20159.217.86.76%0.63%
2014cut-off December 31, 201413.521.710.94%0.86%
2013cut-off December 31, 201312.321.511.00%0.88%
2012cut-off December 31, 201214.121.814.47%1.16%
2011cut-off December 31, 201115.824.519.65%1.51%
2010cut-off December 31, 201013.120.320.50%1.44%
2009cut-off December 31, 20097.612.413.53%1.08%
2008cut-off December 31, 200810.716.623.40%1.64%
2007cut-off December 31, 200710.115.328.05%1.84%
2006cut-off December 31, 20066.39.721.00%1.48%
2005cut-off December 31, 20056.39.929.33%2.08%
2004cut-off December 31, 20043.24.917.84%1.37%
2003cut-off December 31, 20035.26.034.99%2.88%
2002cut-off December 31, 20021.52.310.38%0.96%
2001cut-off December 31, 20010.0—0.00%0.00%
2000cut-off December 31, 20000.0—0.00%0.00%

Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), income statement, line “Ganancia o (pérdida) del ejercicio” (profit or loss for the year). Figures as published, in millions of dollars.

Returns as the Superintendencia publishes them in the indicators sheet of the same bulletin: profit for the year over average equity and over average assets. They are stated on an annual basis, the current year included.

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Investments

What the bank holds in securities, by accounting category and by issuer, at September 30, 2026. The bulletin does not say which securities or issuers; that is in each bank’s audited financial statements.

Investments$754.3 million20.10% of its assets
In the State and public sector53.32%of the gross portfolio · system 65.14%
In the private sector33.76%of the gross portfolio
Restricted12.92%of the gross portfolio; issuer not given
CategoryPrivate sectorState and public sectorTotalOf the portfolio
At fair value through profit or loss23.00.023.03.05%
Available for sale231.7250.0481.663.85%
Held to maturity0.0152.3152.320.18%
Restricted——97.412.92%
Gross portfolio254.7402.2754.3100.00%
Investment provision-0.1
Net investments754.3

Investments by year

Investments at the end of each year, in millions of dollars; 2026 at September 30, 2026.

02004006008002012: 104.0 million2013: 122.9 million2014: 177.2 million2015: 205.0 million2016: 338.7 million2017: 309.7 million2018: 353.9 million2019: 341.3 million2020: 360.8 million2021: 546.0 million2022: 326.7 million2023: 280.5 million2024: 400.4 million2025: 674.0 millionSeptember 30, 2026: 754.3 million20122014201620182020202220242026

Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.

Balance sheet by year

Main balance sheet accounts at the end of each year since 2012, in millions of dollars, and its non-performing loan ratio. The latest year is at September 30, 2026.

01,0002,0003,0004,0002012: 1,213.3 million2013: 1,390.5 million2014: 1,577.6 million2015: 1,461.3 million2016: 1,706.1 million2017: 1,692.9 million2018: 1,709.9 million2019: 1,822.3 million2020: 2,050.5 million2021: 2,441.0 million2022: 2,444.3 million2023: 2,489.8 million2024: 2,888.0 million2025: 3,364.8 millionSeptember 30, 2026: 3,752.6 million20122014201620182020202220242026
YearAssetsDepositsLoansInvestmentsEquityNPL ratio
September 30, 20263,752.63,236.52,000.3754.3288.54.09%
20253,364.82,851.41,775.1674.0286.43.21%
20242,888.02,443.71,608.8400.4264.02.71%
20232,489.82,054.71,443.3280.5252.13.55%
20222,444.31,999.71,473.3326.7235.02.38%
20212,441.02,052.51,273.0546.0224.33.51%
20202,050.51,775.71,044.7360.8198.82.84%
20191,822.31,546.3999.6341.3190.64.21%
20181,709.91,455.9928.8353.9181.44.65%
20171,692.91,457.0888.6309.7174.55.69%
20161,706.11,483.4837.6338.7161.06.54%
20151,461.31,230.5834.2205.0145.45.62%
20141,577.61,346.9881.7177.2137.44.35%
20131,390.51,160.5782.8122.9124.04.47%
20121,213.31,018.1707.3104.0111.24.61%

Source: Superintendencia de Bancos, Boletín Financiero Mensual de Bancos Privados ↗ (monthly financial bulletin of private banks), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.

The full figures, with every investment account and the indicators, are in Open data (balance.csv).

The bank’s documents

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