According to the documents it publishes, the bank has term-deposit rates from 30 days (3.25% to 5.45% nominal annual), rates for 5 savings accounts and 10 card fees.
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.
Where its assets are
Breakdown of assets at September 30, 2026, against all private banks together.
| Account | USD million | Of assets | System | |
|---|---|---|---|---|
| Loans (net of provisions) | 995.0 | 64.19% | 63.13% | |
| Investments | 274.5 | 17.71% | 19.33% | |
| Available funds | 202.7 | 13.07% | 9.84% | |
| Other assets | 78.0 | 5.03% | 7.70% |
Its equity is $130.2 million, 8.40% 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.
At a branch · interest at maturity
| Term (days) | $200 to $9,999 | $10,000 to $49,999 | $50,000 to $299,999 | from $300,000 |
|---|---|---|---|---|
| 30–60 | 3.25% | 3.40% | 3.75% | 4.00% |
| 61–90 | 3.30% | 3.60% | 4.00% | 4.30% |
| 91–120 | 3.50% | 3.75% | 4.15% | 4.40% |
| 121–180 | 3.70% | 4.20% | 4.50% | 4.60% |
| 181–360 | 4.00% | 4.50% | 4.70% | 4.90% |
| 361–540 | 4.50% | 5.10% | 5.20% | 5.30% |
| 541–more | 4.50% | 5.10% | 5.20% | 5.30% |
Source: tasas interes pasivas y tarifas por servicios financieros, page 3 · downloaded October 23, 2026 · 28 values.
Online · interest at maturity
| Term (days) | $200 to $9,999 | $10,000 to $49,999 | $50,000 to $299,999 | from $300,000 |
|---|---|---|---|---|
| 30–60 | 3.40% | 3.55% | 3.90% | 4.15% |
| 61–90 | 3.45% | 3.75% | 4.15% | 4.45% |
| 91–120 | 3.65% | 3.90% | 4.30% | 4.55% |
| 121–180 | 3.85% | 4.35% | 4.65% | 4.75% |
| 181–360 | 4.15% | 4.65% | 4.85% | 5.05% |
| 361–540 | 4.65% | 5.25% | 5.35% | 5.45% |
| 541–more | 4.65% | 5.25% | 5.35% | 5.45% |
Source: tasas interes pasivas y tarifas por servicios financieros, page 3 · downloaded October 23, 2026 · 28 values.
Savings accounts
| Account | Balance | Nominal rate |
|---|---|---|
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $0 to $250 | 0.05% |
| Cuenta Digital ONInstant-access savings | $0 to $250 | 0.05% |
| Cuenta SaludInstant-access savings | $0 to $250 | 5.70% |
| Ahorro ListoInstant-access savings | $0 to $250 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $250 to $500 | 0.05% |
| Cuenta Digital ONInstant-access savings | $250 to $500 | 0.05% |
| Cuenta SaludInstant-access savings | $250 to $500 | 5.70% |
| Ahorro ListoInstant-access savings | $250 to $500 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $500 to $2,500 | 0.05% |
| Cuenta Digital ONInstant-access savings | $500 to $2,500 | 0.05% |
| Cuenta SaludInstant-access savings | $500 to $2,500 | 5.70% |
| Ahorro ListoInstant-access savings | $500 to $2,500 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $2,500 to $5,000 | 0.05% |
| Cuenta Digital ONInstant-access savings | $2,500 to $5,000 | 0.05% |
| Cuenta SaludInstant-access savings | $2,500 to $5,000 | 5.70% |
| Ahorro ListoInstant-access savings | $2,500 to $5,000 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $5,000 to $10,000 | 0.05% |
| Cuenta Digital ONInstant-access savings | $5,000 to $10,000 | 0.05% |
| Cuenta SaludInstant-access savings | $5,000 to $10,000 | 5.70% |
| Ahorro ListoInstant-access savings | $5,000 to $10,000 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $10,000 to $200,000 | 0.05% |
| Cuenta Digital ONInstant-access savings | $10,000 to $200,000 | 0.05% |
| Cuenta SaludInstant-access savings | $10,000 to $200,000 | 5.70% |
| Ahorro ListoInstant-access savings | $10,000 to $200,000 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | $200,000 to $500,000 | 0.20% |
| Cuenta Digital ONInstant-access savings | $200,000 to $500,000 | 0.20% |
| Cuenta SaludInstant-access savings | $200,000 to $500,000 | 5.70% |
| Ahorro ListoInstant-access savings | $200,000 to $500,000 | 5.30% |
| BGR Ahorros y BGR Tu CuentaInstant-access savings | from $500,000 | 0.00% |
| Cuenta Digital ONInstant-access savings | from $500,000 | 0.00% |
| Cuenta SaludInstant-access savings | from $500,000 | 5.70% |
| Ahorro ListoInstant-access savings | from $500,000 | 0.20% |
| Ahorro programadoScheduled savings | from $20 | 2.00%+ 4.00% bonus |
Source: tasas interes pasivas y tarifas por servicios financieros, page 1 · downloaded October 23, 2026 · 33 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Credit card · replacement after loss or theft | $5.03 |
| Credit card · card issue (chip) | $5.03 |
| Credit card · card renewal | $5.03 |
| Debit card · card issue (chip) | $5.03 |
| Debit card · annual service | $1.81 |
| Debit card · replacement after loss or theft | $5.03 |
Source: tasas de interes tarifas servicios aplicados tarjetas de credito, page 1 · downloaded October 23, 2026.
Annual credit card charges
| Card or segment | Charge | Annual fee incl. VAT |
|---|---|---|
| BGR Visa Oro | Rewards plan | $26.45 |
| BGR Visa Platinum | Rewards plan | $32.20 |
| BGR Visa Clasica, ON, Mujeres y 2 más | Benefits abroad | $8.05 |
| BGR Visa Infinite, Empresarial | Benefits abroad | $27.60 |
Source: tasas de interes tarifas servicios aplicados tarjetas de credito, page 1 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee incl. VAT |
|---|---|
| Transfer to another bank (SPI), at a branch | $2.21 |
| Withdrawal at another bank’s ATM | $0.52 |
| ATM balance enquiry abroad | $1.02 |
Source: tasas interes pasivas y tarifas por servicios financieros, page 1 · 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.
| Term | Effective rate | Factor |
|---|---|---|
| 4 months | — | 3.30% |
| 7 months | — | 5.33% |
| 8 months | — | 6.01% |
| 11 months | — | 8.07% |
| 12 months | — | 8.76% |
| 14 months | — | 10.15% |
| 17 months | — | 12.26% |
| 18 months | — | 12.97% |
| 21 months | — | 15.12% |
| 22 months | — | 15.84% |
| 24 months | — | 17.29% |
| 27 months | — | 19.48% |
| 28 months | — | 20.22% |
| 31 months | — | 22.45% |
| 32 months | — | 23.20% |
| 34 months | — | 24.71% |
| 37 months | — | 26.99% |
| 38 months | — | 27.76% |
| 41 months | — | 30.07% |
| 42 months | — | 30.85% |
| 60 months | — | 45.31% |
Source: tasas de interes tarifas servicios aplicados tarjetas de credito, page 1 · downloaded October 23, 2026 · 21 values.
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.
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2026 (January to September)cut-off September 30, 2026 | 14.5 | 20.8 | 14.62% | 1.31% |
| 2025cut-off December 31, 2025 | 15.2 | 20.8 | 12.53% | 1.13% |
| 2024cut-off December 31, 2024 | 11.6 | 17.1 | 10.30% | 0.94% |
| 2023cut-off December 31, 2023 | 14.3 | 21.2 | 14.08% | 1.25% |
| 2022cut-off December 31, 2022 | 12.9 | 20.5 | 14.16% | 1.23% |
| 2021cut-off December 31, 2021 | 9.9 | 15.7 | 11.99% | 1.02% |
| 2020cut-off December 31, 2020 | 6.9 | 11.1 | 9.05% | 0.69% |
| 2019cut-off December 31, 2019 | 12.5 | 19.9 | 18.69% | 1.29% |
| 2018cut-off December 31, 2018 | 10.8 | 16.9 | 18.54% | 1.27% |
| 2017cut-off December 31, 2017 | 9.3 | 14.6 | 17.47% | 1.12% |
Earlier years (2000 to 2016)
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2016cut-off December 31, 2016 | 6.3 | 9.2 | 12.60% | 0.89% |
| 2015cut-off December 31, 2015 | 6.4 | 9.4 | 14.65% | 1.13% |
| 2014cut-off December 31, 2014 | 7.7 | 11.2 | 20.24% | 1.20% |
| 2013cut-off December 31, 2013 | 4.9 | 7.2 | 14.19% | 0.80% |
| 2012cut-off December 31, 2012 | 5.5 | 7.9 | 17.38% | 0.96% |
| 2011cut-off December 31, 2011 | 5.5 | 8.3 | 21.15% | 1.16% |
| 2010cut-off December 31, 2010 | 4.0 | 5.8 | 17.32% | 0.96% |
| 2009cut-off December 31, 2009 | 2.7 | 4.0 | 12.42% | 0.69% |
| 2008cut-off December 31, 2008 | 2.8 | 3.9 | 15.02% | 0.76% |
| 2007cut-off December 31, 2007 | 3.4 | 4.8 | 19.91% | 1.14% |
| 2006cut-off December 31, 2006 | 3.0 | 4.6 | 19.91% | 1.28% |
| 2005cut-off December 31, 2005 | 2.6 | 3.6 | 18.73% | 1.36% |
| 2004cut-off December 31, 2004 | 0.3 | 0.6 | 2.73% | 0.20% |
| 2003cut-off December 31, 2003 | 0.8 | 1.0 | 9.21% | 0.54% |
| 2002cut-off December 31, 2002 | 1.1 | 1.2 | 11.39% | 0.81% |
| 2001cut-off December 31, 2001 | 3.4 | — | 48.71% | 3.52% |
| 2000cut-off December 31, 2000 | 1.3 | — | 29.62% | 2.16% |
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.
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 | 92.1 | 97.1 | 189.2 | 68.33% | |
| Held to maturity | 0.0 | 62.6 | 62.6 | 22.61% | |
| Restricted | — | — | 25.1 | 9.06% | |
| Gross portfolio | 92.1 | 159.7 | 276.9 | 100.00% | |
| Investment provision | -2.4 | ||||
| Net investments | 274.5 |
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 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.
| Year | Assets | Deposits | Loans | Investments | Equity | NPL ratio |
|---|---|---|---|---|---|---|
| September 30, 2026 | 1,550.2 | 1,288.3 | 995.0 | 274.5 | 130.2 | 3.07% |
| 2025 | 1,390.5 | 1,139.6 | 888.6 | 234.3 | 134.5 | 2.77% |
| 2024 | 1,284.6 | 1,018.1 | 822.3 | 166.3 | 122.3 | 3.13% |
| 2023 | 1,178.9 | 905.6 | 775.9 | 144.1 | 113.8 | 2.98% |
| 2022 | 1,125.1 | 886.1 | 753.1 | 144.1 | 102.3 | 1.39% |
| 2021 | 1,010.6 | 844.0 | 623.7 | 161.9 | 91.9 | 1.39% |
| 2020 | 993.1 | 813.8 | 574.1 | 144.3 | 82.6 | 1.44% |
| 2019 | 967.2 | 762.1 | 582.6 | 123.5 | 79.4 | 1.83% |
| 2018 | 851.8 | 684.4 | 521.1 | 112.3 | 69.0 | 1.59% |
| 2017 | 829.9 | 691.6 | 456.4 | 103.3 | 62.7 | 1.57% |
| 2016 | 707.7 | 590.9 | 343.7 | 98.2 | 56.4 | 1.88% |
| 2015 | 566.3 | 469.1 | 324.1 | 66.3 | 50.2 | 2.62% |
| 2014 | 642.8 | 545.8 | 370.6 | 79.8 | 45.8 | 1.78% |
| 2013 | 606.7 | 506.4 | 328.1 | 70.2 | 39.1 | 1.38% |
| 2012 | 572.1 | 448.9 | 316.2 | 32.7 | 37.2 | 1.33% |
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
- Determinación de cargos asociados y otros por tipo de crédito ↗
- Tasas de interés y tarifas por servicios aplicados a las tarjetas de crédito ↗
- Tasas de interés pasivas y tarifas por servicios financieros ↗
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The official document prevails over what this site shows. If you find a difference, see the data status.