Internacional rates and feesAccording to the documents it publishes, the bank has loan rates in 6 segments and 7 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) | 4,553.3 | 70.41% | 63.13% | |
| Investments | 879.3 | 13.60% | 19.33% | |
| Available funds | 722.4 | 11.17% | 9.84% | |
| Other assets | 312.2 | 4.83% | 7.70% |
Its equity is $543.7 million, 8.41% 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.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| ConsumoConsumer | 16.77% | 15.60% | 16.77% |
| InmobiliarioReal estate (housing) | 9.15% | 8.79% | 9.15% |
| Acumulación AmpliadaExtended-accumulation microcredit | 22.05% | 20.09% | 22.05% |
| MinoristaRetail microcredit | 28.23% | 25.12% | 28.23% |
| Microcrédito Acumulación SimpleSimple-accumulation microcredit | 24.89% | 22.43% | 24.89% |
| Interés públicoSocial and public-interest housing | 4.99% | 4.88% | 4.99% |
Source: Tarifario tasas oct 26, page 5 · downloaded October 23, 2026 · 6 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Debit card · card issue (chip) | $5.03 |
| Credit card · card issue (chip) | $5.03 |
| Debit card · card renewal | $5.03 |
| Credit card · card renewal | $5.03 |
| Debit card · annual service | $1.81 |
Source: Tarifario tasas oct 26, page 2 · downloaded October 23, 2026.
Annual credit card charges
| Card or segment | Charge | Annual fee incl. VAT |
|---|---|---|
| Segmento B+ | Rewards plan | $32.20 |
| Segmento B+ y B | Benefits abroad | $18.40 |
Source: Tarifario tasas oct 26, page 2 · 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 |
| Card purchase abroad, over $100 | $1.96 |
| Reloadable prepaid card · issue | $5.03 |
| Prepaid card · annual service | $1.81 |
Source: Tarifario tasas oct 26, page 1 · downloaded October 23, 2026.
Cash advance · branch and online
Fee incl. VAT for each advance, by its amount.
| Advance amount | Fee |
|---|---|
| $0 to $100.99 | $7.19 |
| $101 to $200.99 | $12.32 |
| $201 to $300.99 | $17.46 |
| $301 to $400.99 | $25.67 |
| $401 to $500.99 | $30.81 |
| $501 to $600.99 | $35.94 |
| $601 to $700.99 | $41.07 |
| $701 to $800.99 | $46.21 |
| $801 to $900.99 | $51.34 |
| $901 to $1,000.99 | $56.48 |
Source: Tarifario tasas oct 26, page 3 · downloaded October 23, 2026 · 10 values.
Cash advance · atm
Fee incl. VAT for each advance, by its amount.
| Advance amount | Fee |
|---|---|
| $0 to $100.99 | $7.19 |
| $101 to $200.99 | $12.32 |
| $201 to $300.99 | $17.46 |
| $301 to $400.99 | $22.59 |
| $401 to $500.99 | $27.73 |
Source: Tarifario tasas oct 26, page 3 · downloaded October 23, 2026 · 5 values.
Cash advance · online
Fee incl. VAT for each advance, by its amount.
| Advance amount | Fee |
|---|---|
| $0 to $100.99 | $6.16 |
| $101 to $200.99 | $11.29 |
| $201 to $300.99 | $16.43 |
| $301 to $400.99 | $23.62 |
| $401 to $500.99 | $28.75 |
| $501 to $600.99 | $33.88 |
| $601 to $700.99 | $39.02 |
| $701 to $800.99 | $44.15 |
| $801 to $900.99 | $49.29 |
| $901 to $1,000.99 | $51.34 |
Source: Tarifario tasas oct 26, page 3 · downloaded October 23, 2026 · 10 values.
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 |
|---|---|---|
| 3 months | 16.77% | 2.61% |
| 4 months | 16.77% | 3.27% |
| 6 months | 16.77% | 4.60% |
| 9 months | 16.77% | 6.61% |
| 12 months | 16.77% | 8.65% |
| 15 months | 16.77% | 10.71% |
| 18 months | 16.77% | 12.80% |
| 24 months | 16.77% | 17.05% |
Source: Tarifario tasas oct 26, page 5 · downloaded October 23, 2026 · 8 values.
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 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 | 53.0 | 79.7 | 12.80% | 1.14% |
| 2025cut-off December 31, 2025 | 68.1 | 96.9 | 13.21% | 1.21% |
| 2024cut-off December 31, 2024 | 57.2 | 93.4 | 11.82% | 1.13% |
| 2023cut-off December 31, 2023 | 62.1 | 98.0 | 13.84% | 1.32% |
| 2022cut-off December 31, 2022 | 51.3 | 82.7 | 12.27% | 1.18% |
| 2021cut-off December 31, 2021 | 42.0 | 66.0 | 10.93% | 1.03% |
| 2020cut-off December 31, 2020 | 28.2 | 45.1 | 7.88% | 0.71% |
| 2019cut-off December 31, 2019 | 50.2 | 79.9 | 15.30% | 1.32% |
| 2018cut-off December 31, 2018 | 48.3 | 75.0 | 16.23% | 1.36% |
| 2017cut-off December 31, 2017 | 44.2 | 65.5 | 16.44% | 1.24% |
Earlier years (2000 to 2016)
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2016cut-off December 31, 2016 | 30.1 | 46.2 | 11.72% | 0.97% |
| 2015cut-off December 31, 2015 | 31.3 | 47.1 | 14.11% | 1.22% |
| 2014cut-off December 31, 2014 | 32.2 | 46.7 | 16.22% | 1.20% |
| 2013cut-off December 31, 2013 | 27.6 | 39.5 | 15.58% | 1.10% |
| 2012cut-off December 31, 2012 | 31.6 | 43.2 | 19.87% | 1.49% |
| 2011cut-off December 31, 2011 | 26.6 | 37.4 | 18.29% | 1.55% |
| 2010cut-off December 31, 2010 | 20.4 | 29.1 | 16.41% | 1.26% |
| 2009cut-off December 31, 2009 | 15.5 | 21.6 | 13.75% | 1.17% |
| 2008cut-off December 31, 2008 | 16.8 | 26.5 | 16.96% | 1.35% |
| 2007cut-off December 31, 2007 | 22.9 | 34.0 | 26.85% | 2.20% |
| 2006cut-off December 31, 2006 | 21.9 | 32.0 | 29.68% | 2.52% |
| 2005cut-off December 31, 2005 | 17.2 | 25.1 | 29.61% | 2.65% |
| 2004cut-off December 31, 2004 | 14.1 | 20.2 | 29.23% | 2.72% |
| 2003cut-off December 31, 2003 | 10.3 | 15.1 | 25.06% | 2.29% |
| 2002cut-off December 31, 2002 | 6.3 | 9.3 | 16.62% | 1.64% |
| 2001cut-off December 31, 2001 | 2.7 | — | 11.23% | 1.12% |
| 2000cut-off December 31, 2000 | 2.3 | — | 20.10% | 1.61% |
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 | 235.9 | 0.9 | 236.8 | 26.94% | |
| Available for sale | 96.5 | 205.8 | 302.3 | 34.38% | |
| Held to maturity | 0.0 | 247.6 | 247.6 | 28.16% | |
| Restricted | — | — | 92.5 | 10.52% | |
| Gross portfolio | 332.4 | 454.4 | 879.3 | 100.00% | |
| Investment provision | 0.0 | ||||
| Net investments | 879.3 |
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 | 6,467.2 | 5,344.5 | 4,553.3 | 879.3 | 543.7 | 1.52% |
| 2025 | 6,048.9 | 4,950.3 | 4,096.1 | 784.5 | 572.9 | 1.66% |
| 2024 | 5,450.1 | 4,352.1 | 3,706.6 | 669.7 | 530.5 | 1.06% |
| 2023 | 4,842.2 | 3,868.2 | 3,404.1 | 545.0 | 501.3 | 0.94% |
| 2022 | 4,605.4 | 3,762.5 | 3,048.7 | 524.3 | 461.7 | 0.57% |
| 2021 | 4,450.9 | 3,769.7 | 2,553.1 | 783.4 | 426.2 | 0.73% |
| 2020 | 3,965.2 | 3,300.3 | 2,264.2 | 660.1 | 386.0 | 0.99% |
| 2019 | 3,792.4 | 3,072.5 | 2,345.2 | 621.0 | 378.2 | 1.16% |
| 2018 | 3,544.5 | 2,877.2 | 2,207.1 | 537.4 | 345.6 | 1.03% |
| 2017 | 3,558.4 | 3,013.2 | 2,055.1 | 606.8 | 313.1 | 1.13% |
| 2016 | 3,100.9 | 2,644.2 | 1,726.1 | 488.2 | 287.2 | 1.37% |
| 2015 | 2,559.3 | 2,135.9 | 1,551.0 | 300.0 | 252.9 | 1.65% |
| 2014 | 2,677.1 | 2,353.0 | 1,525.1 | 209.8 | 230.6 | 1.37% |
| 2013 | 2,505.5 | 2,195.5 | 1,350.4 | 211.5 | 204.5 | 1.24% |
| 2012 | 2,118.8 | 1,838.1 | 1,113.7 | 263.4 | 190.5 | 1.58% |
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.