Bolivariano rates and fees

According to the documents it publishes, the bank has term-deposit rates from 1 day (0.05% to 4.00% nominal annual), rates for 3 savings accounts and loan rates in 1 segment.

Risk ratingAAA / AAA-PCR PACIFIC CREDIT RATING / BANK WATCH RATINGS · December 2025

Access to informationPublishes its ratesPublic documents that can be downloaded.

Document modifiedOctober 1, 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, $10,0003.25%#18 of 18 banks · median 4.68%

Savings, $10,000 balance0.01%#17 of 17 banks · Cuenta de ahorros

Assets$6,734.7 million#5 of 23 private banks · 8.11% of the total

Customer deposits$5,070.3 million52.32% on demand, 43.61% term

Investments$1,119.0 million16.62% of its assets · system 19.33%

Non-performing loans1.24%system 2.94% · what it is

Liquidity18.27%available funds over short-term deposits · system 17.14%

Profit 2026 (January to September)$54.4 million12.23% on its equity, annualised

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)	4,505.5	66.90%	63.13%
Investments	1,119.0	16.62%	19.33%
Available funds	673.0	9.99%	9.84%
Other assets	437.2	6.49%	7.70%

Its equity is $589.3 million, 8.75% 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)	$0 to $50,000	$50,001 to $100,000	$100,001 to $250,000	$250,001 to $500,000	$500,001 to $1,000,000	from $1,000,001
1–7	0.05%0.05% effective	0.05%0.05% effective	0.05%0.05% effective	0.05%0.05% effective	0.05%0.05% effective	0.05%0.05% effective
8–15	0.10%0.10% effective	0.10%0.10% effective	0.10%0.10% effective	0.10%0.10% effective	0.10%0.10% effective	0.10%0.10% effective
16–30	0.15%0.15% effective	0.15%0.15% effective	0.15%0.15% effective	0.15%0.15% effective	0.15%0.15% effective	0.15%0.15% effective
31–60	2.70%2.73% effective	2.80%2.83% effective	2.90%2.94% effective	3.00%3.04% effective	3.25%3.29% effective	3.50%3.55% effective
61–90	2.80%2.83% effective	2.90%2.93% effective	3.00%3.03% effective	3.10%3.14% effective	3.35%3.39% effective	3.60%3.65% effective
91–120	2.90%2.93% effective	3.00%3.03% effective	3.10%3.13% effective	3.20%3.23% effective	3.45%3.49% effective	3.70%3.75% effective
121–180	3.00%3.02% effective	3.10%3.12% effective	3.20%3.23% effective	3.30%3.33% effective	3.55%3.58% effective	3.80%3.84% effective
181–360	3.25%3.25% effective	3.35%3.35% effective	3.45%3.45% effective	3.55%3.55% effective	3.65%3.65% effective	3.90%3.90% effective
361–more	3.50%3.50% effective	3.60%3.60% effective	3.70%3.70% effective	3.80%3.80% effective	3.75%3.75% effective	4.00%4.00% effective

Term (days)

$0 to $50,000

$50,001 to $100,000

$100,001 to $250,000

$250,001 to $500,000

$500,001 to $1,000,000

from $1,000,001

1–7

0.05%0.05% effective

8–15

0.10%0.10% effective

16–30

0.15%0.15% effective

31–60

2.70%2.73% effective

2.80%2.83% effective

2.90%2.94% effective

3.00%3.04% effective

3.25%3.29% effective

3.50%3.55% effective

61–90

2.80%2.83% effective

2.90%2.93% effective

3.00%3.03% effective

3.10%3.14% effective

3.35%3.39% effective

3.60%3.65% effective

91–120

2.90%2.93% effective

3.00%3.03% effective

3.10%3.13% effective

3.20%3.23% effective

3.45%3.49% effective

3.70%3.75% effective

121–180

3.00%3.02% effective

3.10%3.12% effective

3.20%3.23% effective

3.30%3.33% effective

3.55%3.58% effective

3.80%3.84% effective

181–360

3.25%3.25% effective

3.35%3.35% effective

3.45%3.45% effective

3.55%3.55% effective

3.65%3.65% effective

3.90%3.90% effective

361–more

3.50%3.50% effective

3.60%3.60% effective

3.70%3.70% effective

3.80%3.80% effective

3.75%3.75% effective

4.00%4.00% effective

Source: tasasoficinas 01102026, page 1 · downloaded October 23, 2026 · 54 values.

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Savings accounts

Account	Balance	Nominal rate
Cuenta de ahorrosInstant-access savings	$0 to $100	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$100 to $500	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$500 to $1,000	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$1,000 to $5,000	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$5,000 to $20,000	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$20,000 to $50,000	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	$50,000 to $100,000	0.01%0.01% effective
Cuenta de ahorrosInstant-access savings	from $100,000	0.01%0.01% effective
Cuentas Junior / KidsChildren and young people	from $0	1.50%1.51% effective
Cuenta MásScheduled savings Conditions (in Spanish) Bonificación por cumplir el plazo fijado.	from $0	3.00%3.05% effective+ 2.00% bonus

Source: tasasoficinas 01102026, page 1 · downloaded October 23, 2026 · 10 values.

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Loans

Product	Effective annual	Nominal	Legal maximum
ConsumoConsumer	16.77%	15.51%	16.77%

Source: tasasoficinas 01102026, page 2 · downloaded October 23, 2026 · 1 value.

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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.

Year	Profit for the year	Before tax	On equity	On assets
2026 (January to September)cut-off September 30, 2026	54.4	83.5	12.23%	1.13%
2025cut-off December 31, 2025	70.7	104.3	12.97%	1.24%
2024cut-off December 31, 2024	66.1	103.5	13.38%	1.30%
2023cut-off December 31, 2023	65.6	100.5	14.77%	1.38%
2022cut-off December 31, 2022	55.5	85.5	13.84%	1.23%
2021cut-off December 31, 2021	40.8	56.8	11.46%	1.00%
2020cut-off December 31, 2020	29.7	44.9	9.04%	0.74%
2019cut-off December 31, 2019	44.6	70.4	15.04%	1.24%
2018cut-off December 31, 2018	40.3	63.8	15.05%	1.20%
2017cut-off December 31, 2017	27.8	42.4	11.16%	0.89%

Earlier years (2000 to 2016)

Year	Profit for the year	Before tax	On equity	On assets
2016cut-off December 31, 2016	19.8	32.1	8.26%	0.67%
2015cut-off December 31, 2015	31.1	48.7	14.60%	1.19%
2014cut-off December 31, 2014	28.3	44.4	14.56%	1.01%
2013cut-off December 31, 2013	24.7	34.7	14.06%	0.98%
2012cut-off December 31, 2012	28.0	40.8	17.99%	1.26%
2011cut-off December 31, 2011	25.5	38.6	18.78%	1.36%
2010cut-off December 31, 2010	21.0	30.4	17.48%	1.27%
2009cut-off December 31, 2009	16.6	23.3	15.42%	1.23%
2008cut-off December 31, 2008	23.0	35.9	25.66%	1.75%
2007cut-off December 31, 2007	20.5	31.1	27.77%	1.84%
2006cut-off December 31, 2006	17.8	26.4	29.50%	1.88%
2005cut-off December 31, 2005	13.5	19.9	26.41%	1.98%
2004cut-off December 31, 2004	9.4	14.2	21.65%	1.62%
2003cut-off December 31, 2003	9.1	14.2	25.54%	1.87%
2002cut-off December 31, 2002	8.3	12.1	25.53%	1.95%
2001cut-off December 31, 2001	5.2	—	21.75%	1.73%
2000cut-off December 31, 2000	4.3	—	33.94%	2.45%

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$1,119.0 million16.62% of its assets

In the State and public sector76.77%of the gross portfolio · system 65.14%

In the private sector12.98%of the gross portfolio

Restricted10.25%of the gross portfolio; issuer not given

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	145.4	620.1	765.5	68.34%
Held to maturity	0.0	239.9	239.9	21.41%
Restricted	—	—	114.8	10.25%
Gross portfolio	145.4	860.0	1,120.1	100.00%
Investment provision			-1.2
Net investments			1,119.0

Investments by year

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

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	6,734.7	5,070.3	4,505.5	1,119.0	589.3	1.24%
2025	6,185.0	4,723.7	4,115.5	1,114.0	608.5	1.39%
2024	5,386.5	4,077.4	3,490.1	1,111.9	552.0	0.78%
2023	4,929.8	3,843.8	3,164.2	890.7	503.3	1.40%
2022	4,594.8	3,622.0	2,860.7	693.1	450.9	0.74%
2021	4,459.7	3,601.1	2,593.4	566.7	406.6	1.00%
2020	4,001.8	3,256.1	2,239.0	506.9	358.4	1.20%
2019	3,598.0	2,851.6	2,091.0	535.7	341.4	1.29%
2018	3,348.3	2,694.6	1,883.9	539.7	308.1	0.87%
2017	3,114.9	2,591.7	1,616.7	393.7	276.6	0.87%
2016	2,939.8	2,478.3	1,397.7	447.9	259.8	1.17%
2015	2,612.3	2,189.9	1,348.7	395.4	244.5	1.14%
2014	2,794.4	2,431.3	1,424.1	413.0	222.3	0.73%
2013	2,525.2	2,160.7	1,185.2	360.1	200.6	0.79%
2012	2,224.0	1,920.4	1,053.7	295.3	183.9	0.85%

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

The bank’s documents

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The official document prevails over what this site shows. If you find a difference, see the data status.

Bolivariano rates and fees

At a glance

Where its assets are

Term deposits

At a branch · interest at maturity

Savings accounts

Loans

Earnings

Investments

Investments by year

Balance sheet by year

The bank’s documents

Legal notice