According to the documents it publishes, the bank has term-deposit rates from 30 days (3.00% to 5.45% nominal annual), loan rates in 3 segments and 3 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) | 665.9 | 60.08% | 63.13% | |
| Investments | 146.6 | 13.22% | 19.33% | |
| Available funds | 247.1 | 22.29% | 9.84% | |
| Other assets | 48.8 | 4.41% | 7.70% |
Its equity is $86.3 million, 7.79% 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) | $300 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $99,999 | $100,000 to $299,999 | from $300,000 |
|---|---|---|---|---|---|---|
| 30–60 | 3.00% | 3.25% | 3.50% | 3.65% | 3.80% | 3.90% |
| 61–90 | 3.25% | 3.50% | 3.60% | 3.75% | 3.90% | 4.25% |
| 91–120 | 3.60% | 3.75% | 4.00% | 4.20% | 4.30% | 4.40% |
| 121–180 | 3.80% | 4.00% | 4.15% | 4.25% | 4.40% | 4.70% |
| 181–360 | 4.40% | 4.50% | 4.60% | 4.70% | 4.80% | 5.00% |
| 361–more | 4.60% | 4.80% | 5.00% | 5.15% | 5.20% | 5.30% |
Source: TASAS DE INTERES PASIVAS, page 4 · downloaded October 23, 2026 · 36 values.
Online · interest at maturity
| Term (days) | $300 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $99,999 | $100,000 to $299,999 | from $300,000 |
|---|---|---|---|---|---|---|
| 30–60 | 3.30% | 3.55% | 3.80% | 3.95% | 4.10% | 4.20% |
| 61–90 | 3.55% | 3.80% | 3.90% | 4.05% | 4.20% | 4.55% |
| 91–120 | 3.90% | 4.05% | 4.30% | 4.50% | 4.75% | 4.80% |
| 121–180 | 4.20% | 4.40% | 4.45% | 4.45% | 4.60% | 4.90% |
| 181–360 | 4.80% | 4.90% | 4.90% | 4.95% | 5.00% | 5.15% |
| 361–more | 5.00% | 5.20% | 5.30% | 5.40% | 5.40% | 5.45% |
Source: TASAS DE INTERES PASIVAS, page 4 · downloaded October 23, 2026 · 36 values.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| Consumo Plazo hasta 72 MesesConsumer | 16.77% | 15.60% | 16.77% |
| Inmobiliario - Compra de vivienda terminada usada: hasta 180 mesesReal estate (housing) | 9.15% | 8.79% | 9.15% |
| Minorista Plazo 36 MesesRetail microcredit | 28.23% | 25.12% | 28.23% |
Source: CARGOS ASOCIADOS Y OTROS, page 1 · downloaded October 23, 2026 · 3 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Credit card · membership | $0.00 |
| Debit card · card issue (chip) | $5.03 |
Source: TASAS DE INTERES PASIVAS, page 3 · downloaded October 23, 2026.
Annual credit card charges
| Card or segment | Charge | Annual fee incl. VAT |
|---|---|---|
| Sin especificar | Benefits abroad | $4.92 |
Source: TASAS DE INTERES PASIVAS, page 3 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee incl. VAT |
|---|---|
| ATM withdrawal abroad | $5.13 |
| ATM balance enquiry abroad | $1.02 |
Source: TARIFAS MAXIMAS Y TRANSACCIONES BASICAS SIN COSTO, page 2 · downloaded October 23, 2026.
Cash advance
Fee incl. VAT for each advance, by its amount.
| Advance amount | Fee |
|---|---|
| $0 to $100.99 | $5.13 |
| $101 to $500.99 | $10.27 |
| $501 to $1,000.99 | $25.67 |
| $1,001 to $2,000.99 | $46.21 |
| $2,001 to $3,000.99 | $77.00 |
| $3,001 to $5,000.99 | $128.35 |
| from $5,001 | $150.08 |
Source: TASAS DE INTERES PASIVAS, page 3 · downloaded October 23, 2026 · 7 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% | 2.63% |
| 6 months | 16.77% | 4.65% |
| 9 months | 16.77% | 6.69% |
| 12 months | 16.77% | 8.76% |
| 24 months | 16.77% | 17.29% |
| 36 months | 16.77% | 26.23% |
Source: TASAS DE INTERES PASIVAS, page 3 · downloaded October 23, 2026 · 6 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 | 9.6 | 15.0 | 14.58% | 1.22% |
| 2025cut-off December 31, 2025 | 10.6 | 16.4 | 13.09% | 1.11% |
| 2024cut-off December 31, 2024 | 7.9 | 12.5 | 10.31% | 0.94% |
| 2023cut-off December 31, 2023 | 9.1 | 14.9 | 12.97% | 1.18% |
| 2022cut-off December 31, 2022 | 7.4 | 12.3 | 11.22% | 1.04% |
| 2021cut-off December 31, 2021 | 5.3 | 8.4 | 8.79% | 0.89% |
| 2020cut-off December 31, 2020 | 2.6 | 4.5 | 4.51% | 0.46% |
| 2019cut-off December 31, 2019 | 7.8 | 12.4 | 15.05% | 1.49% |
| 2018cut-off December 31, 2018 | 6.6 | 10.6 | 14.01% | 1.38% |
| 2017cut-off December 31, 2017 | 5.7 | 8.6 | 12.64% | 1.27% |
Earlier years (2000 to 2016)
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2016cut-off December 31, 2016 | 3.6 | 5.5 | 8.26% | 0.85% |
| 2015cut-off December 31, 2015 | 4.3 | 6.8 | 11.25% | 1.09% |
| 2014cut-off December 31, 2014 | 5.3 | 8.1 | 14.78% | 1.14% |
| 2013cut-off December 31, 2013 | 4.6 | 7.0 | 14.05% | 1.13% |
| 2012cut-off December 31, 2012 | 5.8 | 8.4 | 19.46% | 1.41% |
| 2011cut-off December 31, 2011 | 6.0 | 9.1 | 24.15% | 1.80% |
| 2010cut-off December 31, 2010 | 3.2 | 4.9 | 15.12% | 1.16% |
| 2009cut-off December 31, 2009 | 2.8 | 4.1 | 14.83% | 1.21% |
| 2008cut-off December 31, 2008 | 3.0 | 4.8 | 18.64% | 1.40% |
| 2007cut-off December 31, 2007 | 3.7 | 5.6 | 29.01% | 2.09% |
| 2006cut-off December 31, 2006 | 3.0 | 4.6 | 28.78% | 2.24% |
| 2005cut-off December 31, 2005 | 2.3 | 3.5 | 25.69% | 2.38% |
| 2004cut-off December 31, 2004 | 2.0 | 3.0 | 26.48% | 2.59% |
| 2003cut-off December 31, 2003 | 1.8 | 2.4 | 27.89% | 3.10% |
| 2002cut-off December 31, 2002 | 1.9 | 2.3 | 27.68% | 3.59% |
| 2001cut-off December 31, 2001 | 1.0 | — | 18.32% | 2.98% |
| 2000cut-off December 31, 2000 | 0.1 | — | 2.49% | 0.48% |
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 | 47.3 | 35.5 | 82.8 | 56.52% | |
| Held to maturity | 0.0 | 44.0 | 44.0 | 30.05% | |
| Restricted | — | — | 19.7 | 13.43% | |
| Gross portfolio | 47.3 | 79.6 | 146.6 | 100.00% | |
| Investment provision | -0.0 | ||||
| Net investments | 146.6 |
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 | 1,108.4 | 933.8 | 665.9 | 146.6 | 86.3 | 3.64% |
| 2025 | 1,004.6 | 827.2 | 605.9 | 135.6 | 89.8 | 3.50% |
| 2024 | 900.2 | 708.9 | 531.4 | 112.6 | 82.4 | 3.90% |
| 2023 | 818.6 | 648.6 | 495.3 | 113.4 | 77.4 | 3.79% |
| 2022 | 753.6 | 615.8 | 453.1 | 100.9 | 71.7 | 2.34% |
| 2021 | 659.2 | 561.7 | 380.1 | 83.1 | 66.7 | 1.88% |
| 2020 | 562.8 | 479.8 | 299.6 | 61.7 | 60.0 | 2.81% |
| 2019 | 523.2 | 434.7 | 303.0 | 70.5 | 59.7 | 2.56% |
| 2018 | 481.5 | 396.0 | 268.5 | 66.4 | 54.0 | 3.45% |
| 2017 | 446.9 | 372.6 | 237.6 | 62.6 | 50.4 | 4.32% |
| 2016 | 421.7 | 352.9 | 212.4 | 56.7 | 46.7 | 6.16% |
| 2015 | 397.3 | 334.8 | 227.4 | 48.3 | 42.9 | 5.96% |
| 2014 | 462.6 | 399.2 | 265.5 | 37.4 | 40.8 | 3.09% |
| 2013 | 405.5 | 352.0 | 227.8 | 40.8 | 37.3 | 2.77% |
| 2012 | 409.2 | 318.8 | 225.6 | 23.3 | 35.5 | 3.04% |
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
- Tasas de interés pasivas ↗
- Tarjeta de crédito ↗
- Cargos asociados y otros por tipo de crédito ↗
- Tarifas máximas y transacciones básicas sin costo ↗
- Cargos asociados y otros por tipo de crédito ↗
- Tasas de interés pasivas ↗
- Tarifas máximas y transacciones básicas sin costo ↗
Follow this bank’s rate changes in a feed reader with its Atom feed (in Spanish).
The official document prevails over what this site shows. If you find a difference, see the data status.