Rating as published by the Superintendencia de Bancos ↗, Ecuador’s banking regulator. TasaJusta does not rate banks.
We have no rates read from this bank. Check its documents directly.
At a glance
This month’s rates against the other banks and, for public banks, the balance sheet from the latest Superintendencia de Bancos bulletin.
Where its assets are
Breakdown of assets at September 30, 2026, against all public banks together.
| Account | USD million | Of assets | System | |
|---|---|---|---|---|
| Loans (net of provisions) | 1,569.0 | 64.06% | 41.01% | |
| Investments | 337.4 | 13.78% | 26.14% | |
| Available funds | 374.6 | 15.29% | 10.17% | |
| Other assets | 168.3 | 6.87% | 22.67% |
Its equity is $919.3 million, 37.53% of its assets (public banks: 30.60%).
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Instituciones Públicas ↗ (monthly financial bulletin of public institutions), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.
How it makes money
Where the bank’s income comes from, January to September 30, 2026: the interest it charges on loans and investments, what it pays on deposits, and what it charges in fees and commissions.
Where its income comes from
| Income | USD million | Of its income | System | |
|---|---|---|---|---|
| Interest earned | 114.9 | 94.36% | 52.49% | |
| Income from services | 0.0 | 0.00% | 0.71% | |
| Commissions earned | 0.3 | 0.22% | 0.13% | |
| Financial gains | 5.0 | 4.13% | 4.99% | |
| Other operating income | 0.7 | 0.59% | 26.76% |
Fees and commissions by year
Income from services plus commissions earned, in millions of dollars. The light bar is the current year, still incomplete.
See the values by year
| Year | Total income | Interest earned | Interest paid | Services and commissions | Share of income |
|---|---|---|---|---|---|
| 2026 (January to September) | 121.7 | 114.9 | 27.1 | 0.3 | 0.22% |
| 2025 | 173.0 | 151.7 | 32.6 | 0.4 | 0.24% |
| 2024 | 159.2 | 149.8 | 34.1 | 0.5 | 0.30% |
| 2023 | 143.7 | 140.7 | 30.2 | 0.3 | 0.23% |
| 2022 | 134.8 | 128.0 | 30.3 | 0.6 | 0.46% |
| 2021 | 133.1 | 125.4 | 36.7 | 1.3 | 1.00% |
| 2020 | 128.1 | 119.4 | 39.6 | 0.3 | 0.25% |
| 2019 | 118.8 | 109.3 | 35.2 | 1.2 | 1.02% |
| 2018 | 118.6 | 109.8 | 33.1 | 1.0 | 0.81% |
| 2017 | 128.2 | 111.3 | 25.7 | 1.6 | 1.23% |
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Instituciones Públicas ↗ (monthly financial bulletin of public institutions), income statement, January to September 30, 2026. Figures as published, in millions of dollars.
Who it lends to
Who the bank lends to: its gross loans by credit segment at September 30, 2026, against all public banks together, and the share of each segment that is non-performing (NPL ratio).
| Segment | USD million | Of its loans | System | NPL ratio | System NPL ratio | |
|---|---|---|---|---|---|---|
| Public investment | 1,626.3 | 97.24% | 38.19% | 0.00% | 0.00% | |
| Productive and commercial | 46.2 | 2.76% | 35.72% | 3.55% | 15.70% |
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Instituciones Públicas ↗ (monthly financial bulletin of public institutions), balance sheet and financial indicators, cut-off September 30, 2026. Figures as published, in millions of dollars.
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.
| Category | Private sector | State and public sector | Total | Of the portfolio | |
|---|---|---|---|---|---|
| At fair value through profit or loss | 0.0 | 0.0 | 0.0 | 0.00% | |
| Available for sale | 0.0 | 171.0 | 171.0 | 50.68% | |
| Held to maturity | 11.0 | 133.0 | 144.0 | 42.66% | |
| Restricted | — | — | 22.5 | 6.66% | |
| Gross portfolio | 11.0 | 304.0 | 337.5 | 100.00% | |
| Investment provision | -0.1 | ||||
| Net investments | 337.4 |
When they fall due
Investments at fair value, available for sale and held to maturity, by time left to maturity. Restricted investments are not classified by term.
| Term | USD million | Of the classified | System | |
|---|---|---|---|---|
| Up to 30 days | 48.3 | 15.33% | 10.54% | |
| 31 to 90 days | 128.9 | 40.91% | 21.04% | |
| 91 to 180 days | 0.0 | 0.00% | 36.66% | |
| 181 to 360 days | 5.7 | 1.80% | 11.25% | |
| Over a year | 132.2 | 41.97% | 20.50% |
Investments by year
Investments at the end of each year, in millions of dollars; 2026 at September 30, 2026.
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Instituciones Públicas ↗ (monthly financial bulletin of public institutions), 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 2017, in millions of dollars, and its non-performing loan ratio. The latest year is at September 30, 2026.
| Year | Assets | Deposits | Loans | Investments | Equity | NPL ratio |
|---|---|---|---|---|---|---|
| September 30, 2026 | 2,449.3 | 513.5 | 1,569.0 | 337.4 | 919.3 | 0.10% |
| 2025 | 2,392.1 | 547.6 | 1,618.4 | 364.0 | 954.0 | 5.96% |
| 2024 | 2,259.9 | 490.5 | 1,601.3 | 305.4 | 914.5 | 6.02% |
| 2023 | 2,275.6 | 633.9 | 1,706.0 | 135.2 | 909.9 | 1.08% |
| 2022 | 2,122.9 | 497.2 | 1,654.7 | 80.1 | 866.2 | 5.00% |
| 2021 | 2,383.9 | 720.6 | 1,563.2 | 364.5 | 714.7 | 0.70% |
| 2020 | 2,412.5 | 868.7 | 1,491.1 | 532.7 | 683.1 | 0.01% |
| 2019 | 2,394.5 | 824.2 | 1,493.9 | 660.2 | 675.6 | 0.46% |
| 2018 | 2,370.5 | 655.0 | 1,424.7 | 250.5 | 654.7 | 2.62% |
| 2017 | 2,296.2 | 735.6 | 1,351.1 | 541.4 | 636.9 | 2.49% |
Source: Superintendencia de Bancos, Boletín Financiero Mensual de Instituciones Públicas ↗ (monthly financial bulletin of public institutions), 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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