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Banks / Coopnacional

Coopnacional rates and fees

Banco Coopnacional 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 days (2.00% to 4.50% nominal annual), rates for 1 savings account and 4 card fees.

Risk ratingAAA-UNION RATINGS S.A. · December 2025
Access to informationPublishes its ratesPublic documents that can be downloaded.
Document modifiedOctober 13, 2026by the date of the published file
DownloadedOctober 24, 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, $10,0004.00%#16 of 18 banks · median 4.68%
Savings, $10,000 balance0.50%#15 of 17 banks · Cuenta de ahorros
Assets$265.6 million#17 of 23 private banks · 0.32% of the total
Customer deposits$225.1 million50.26% on demand, 48.90% term
Investments$187.9 million70.75% of its assets · system 19.33%
Non-performing loans0.03%system 2.94% · what it is
Liquidity24.02%available funds over short-term deposits · system 17.14%
Profit 2026 (January to September)$0.6 million2.36% 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)31.111.72%63.13%
Investments187.970.75%19.33%
Available funds38.114.35%9.84%
Other assets8.43.17%7.70%

Its equity is $34.7 million, 13.06% 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)from $300
31–602.00%2.02% effective
61–902.00%2.02% effective
91–1203.00%3.03% effective
121–1803.00%3.03% effective
181–3604.00%4.04% effective
361–7194.00%4.00% effective
720–more4.50%4.40% effective

Source: tasas pasivas y tarifas por servicios financieros 08 2026, page 1 · downloaded October 23, 2026 · 7 values · scanned document, read by OCR.

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Savings accounts

AccountBalanceNominal rate
Cuenta de ahorrosInstant-access savingsfrom $00.50%0.50% effective

Source: tasas pasivas y tarifas por servicios financieros 08 2026, page 1 · downloaded October 23, 2026 · 1 value · scanned document, read by OCR.

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Cards

ServiceFee incl. VAT
Debit card · card issue (chip)$4.37
Debit card · replacement after loss or theft$4.37
Debit card · card renewal$4.37
Debit card · annual service$1.57

Source: tasas pasivas y tarifas por servicios financieros 08 2026, page 1 · downloaded October 23, 2026.

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Earnings

Profit or loss for each year according to the Superintendencia de Bancos bulletins, since 2011. The latest year runs to the cut-off date.

00.511.522011: 1.8 million2012: 1.8 million2013: 1.3 million2014: 1.4 million2015: 1.2 million2016: 1.3 million2017: 1.1 million2018: 1.2 million2019: 0.9 million2020: 0.8 million2021: 0.7 million2022: 0.7 million2023: 1.0 million2024: 1.1 million2025: 0.5 million2026 (January to September): 0.6 million2011201620212026
YearProfit for the yearBefore taxOn equityOn assets
2026 (January to September)cut-off September 30, 20260.61.02.36%0.32%
2025cut-off December 31, 20250.50.91.36%0.21%
2024cut-off December 31, 20241.11.73.20%0.49%
2023cut-off December 31, 20231.01.63.08%0.49%
2022cut-off December 31, 20220.71.22.34%0.37%
2021cut-off December 31, 20210.71.22.17%0.34%
2020cut-off December 31, 20200.81.42.83%0.44%
2019cut-off December 31, 20190.91.63.28%0.50%
2018cut-off December 31, 20181.22.14.37%0.64%
2017cut-off December 31, 20171.11.84.09%0.58%
Earlier years (2011 to 2016)
YearProfit for the yearBefore taxOn equityOn assets
2016cut-off December 31, 20161.32.15.09%0.76%
2015cut-off December 31, 20151.22.25.07%0.71%
2014cut-off December 31, 20141.42.26.45%0.79%
2013cut-off December 31, 20131.32.26.35%0.77%
2012cut-off December 31, 20121.82.69.34%1.12%
2011cut-off December 31, 20111.82.510.32%1.20%

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$187.9 million70.75% of its assets
In the State and public sector11.02%of the gross portfolio · system 65.14%
In the private sector88.98%of the gross portfolio
Restricted0.00%of the gross portfolio; issuer not given
CategoryPrivate sectorState and public sectorTotalOf the portfolio
At fair value through profit or loss0.00.00.00.00%
Available for sale167.29.9177.194.24%
Held to maturity0.010.810.85.76%
Restricted——0.00.00%
Gross portfolio167.220.7187.9100.00%
Investment provision0.0
Net investments187.9

Investments by year

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

0501001502002012: 77.2 million2013: 85.9 million2014: 91.1 million2015: 102.2 million2016: 103.2 million2017: 101.0 million2018: 34.9 million2019: 46.0 million2020: 31.3 million2021: 40.6 million2022: 48.0 million2023: 52.0 million2024: 98.4 million2025: 132.2 millionSeptember 30, 2026: 187.9 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.

01002003002012: 156.6 million2013: 168.8 million2014: 177.3 million2015: 165.1 million2016: 168.4 million2017: 186.0 million2018: 188.5 million2019: 186.6 million2020: 190.2 million2021: 202.9 million2022: 203.0 million2023: 206.9 million2024: 221.8 million2025: 236.0 millionSeptember 30, 2026: 265.6 million20122014201620182020202220242026
YearAssetsDepositsLoansInvestmentsEquityNPL ratio
September 30, 2026265.6225.131.1187.934.70.03%
2025236.0196.733.9132.234.70.05%
2024221.8182.828.398.434.30.12%
2023206.9169.666.952.033.30.04%
2022203.0166.781.048.032.40.02%
2021202.9167.789.840.631.60.06%
2020190.2156.193.431.330.40.15%
2019186.6152.584.946.029.60.25%
2018188.5153.796.834.928.70.16%
2017186.0154.336.7101.027.40.19%
2016168.4137.823.8103.226.40.37%
2015165.1136.821.1102.224.40.39%
2014177.3150.122.491.123.20.29%
2013168.8143.122.885.921.80.46%
2012156.6132.126.577.220.50.58%

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.

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