According to the documents it publishes, the bank has term-deposit rates from 31 days (3.50% to 7.10% nominal annual), rates for 5 savings accounts, loan rates in 1 segment and 4 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) | 206.4 | 63.92% | 63.13% | |
| Investments | 65.7 | 20.34% | 19.33% | |
| Available funds | 32.6 | 10.08% | 9.84% | |
| Other assets | 18.3 | 5.66% | 7.70% |
Its equity is $38.6 million, 11.97% 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) | $0 to $10,000 | $10,001 to $50,000 | $50,001 to $100,000 | $100,001 to $500,000 | from $500,001 |
|---|---|---|---|---|---|
| 31–90 | 3.50% | 3.70% | 3.85% | 3.95% | 4.00% |
| 91–120 | 4.00% | 4.20% | 4.35% | 4.40% | 4.60% |
| 121–180 | 4.30% | 4.50% | 4.60% | 4.65% | 4.85% |
| 181–360 | 4.80% | 5.05% | 5.40% | 5.75% | 5.85% |
| 361–540 | 5.30% | 5.70% | 6.15% | 6.50% | 6.70% |
| 541–more | 5.85% | 6.35% | 6.70% | 6.90% | 7.10% |
Source: tasas interes OCT 2026, page 2 · downloaded October 23, 2026 · 30 values.
360-day rate in 2026
Best nominal annual rate the bank published for $10,000 at 360 days, month by month, from the documents we keep. A month without data is a month without a document.
See the values
| Month | Nominal rate |
|---|---|
| Jan | 3.70% |
| Feb | 3.70% |
| Mar | 3.70% |
| Apr | 3.70% |
| May | 4.60% |
| Jun | 4.60% |
| Jul | 4.60% |
| Aug | 4.60% |
| Sep | 4.60% |
| Oct | 4.80% |
Savings accounts
| Account | Balance | Nominal rate |
|---|---|---|
| Ahorro disponible / ahorro social / cuenta sueldoInstant-access savings | from $0 | 1.00% |
| Ahorro preferencial (Personas con discapacidad, sustitutas, cuidadoras, asociaciones y fundaciones relacionadas con el ámbito de la discapacidad)Instant-access savings | from $0 | 1.00% |
| Ahorro crecer (Personas naturales)Scheduled savings | $0 to $5,000 | 1.75% |
| Ahorro crecer (Personas naturales)Scheduled savings | from $5,001 | 2.25% |
| Ahorro futuro (Ahorro programado)Scheduled savings | from $0 | 5.00% |
| Ahorro futuro décimos (Personas naturales)Scheduled savings | from $0 | 5.25% |
Source: tasas interes OCT 2026, page 1 · downloaded October 23, 2026 · 6 values.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| CrediviviendaReal estate (housing) | 9.15% | 8.79% | 9.15% |
Source: tasas interes OCT 2026, page 4 · downloaded October 23, 2026 · 1 value.
Cards
| Service | Fee incl. VAT |
|---|---|
| Debit card · replacement after loss or theft | $5.03 |
| Debit card · card issue (chip) | $5.03 |
| Debit card · card renewal | $5.03 |
| Debit card · annual service | $1.81 |
Source: Tarifario servicios, page 2 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee 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 withdrawal abroad | $5.13 |
| ATM balance enquiry abroad | $1.02 |
| Card purchase abroad, over $100 | $1.96 |
| Transfer abroad, $1,000 to $5,000 | $76.31 |
| Transfer abroad, over $10,000 | $115.00 |
Source: Tarifario servicios, page 2 · downloaded October 23, 2026.
It publishes the out-of-court collection table with the same values as the other banks that print it.
Earnings
Profit or loss for each year according to the Superintendencia de Bancos bulletins, since 2014. 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 | 1.2 | 2.1 | 4.05% | 0.48% |
| 2025cut-off December 31, 2025 | 2.0 | 3.4 | 5.49% | 0.63% |
| 2024cut-off December 31, 2024 | 1.3 | 2.4 | 3.61% | 0.48% |
| 2023cut-off December 31, 2023 | 1.4 | 2.7 | 4.78% | 0.60% |
| 2022cut-off December 31, 2022 | 1.0 | 1.9 | 3.74% | 0.43% |
| 2021cut-off December 31, 2021 | 2.1 | 3.4 | 8.51% | 0.97% |
| 2020cut-off December 31, 2020 | 0.3 | 0.7 | 1.20% | 0.14% |
| 2019cut-off December 31, 2019 | 1.8 | 3.1 | 8.66% | 1.01% |
| 2018cut-off December 31, 2018 | 2.0 | 3.3 | 11.17% | 1.18% |
| 2017cut-off December 31, 2017 | 1.7 | 2.7 | 10.55% | 1.00% |
Earlier years (2014 to 2016)
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2016cut-off December 31, 2016 | 0.6 | 1.0 | 3.82% | 0.35% |
| 2015cut-off December 31, 2015 | 1.3 | 2.0 | 9.72% | 0.92% |
| 2014cut-off December 31, 2014 | 0.9 | 1.4 | 8.30% | 0.78% |
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 | 30.0 | 9.3 | 39.4 | 59.92% | |
| Held to maturity | 15.7 | 10.7 | 26.3 | 40.08% | |
| Restricted | — | — | 0.0 | 0.00% | |
| Gross portfolio | 45.7 | 20.0 | 65.7 | 100.00% | |
| Investment provision | 0.0 | ||||
| Net investments | 65.7 |
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 2014, 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 | 322.9 | 252.1 | 206.4 | 65.7 | 38.6 | 9.89% |
| 2025 | 338.1 | 258.9 | 206.5 | 61.6 | 38.9 | 8.00% |
| 2024 | 280.3 | 188.0 | 192.8 | 26.7 | 36.2 | 7.46% |
| 2023 | 248.1 | 159.1 | 186.1 | 12.9 | 34.5 | 8.71% |
| 2022 | 240.8 | 165.7 | 178.1 | 15.5 | 29.6 | 5.72% |
| 2021 | 232.4 | 168.0 | 162.1 | 27.4 | 27.4 | 5.09% |
| 2020 | 203.8 | 144.4 | 137.0 | 16.2 | 23.2 | 7.04% |
| 2019 | 179.4 | 120.9 | 135.1 | 14.4 | 22.6 | 6.53% |
| 2018 | 169.2 | 120.5 | 126.8 | 14.3 | 20.0 | 7.37% |
| 2017 | 168.2 | 123.7 | 128.5 | 14.5 | 17.6 | 6.42% |
| 2016 | 160.0 | 115.1 | 112.0 | 16.1 | 15.4 | 6.86% |
| 2015 | 140.5 | 92.8 | 102.2 | 13.0 | 14.6 | 6.06% |
| 2014 | 120.1 | 86.7 | 93.5 | 5.4 | 12.2 | 5.17% |
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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The official document prevails over what this site shows. If you find a difference, see the data status.