According to the documents it publishes, the bank has term-deposit rates from 31 days (2.55% to 5.65% nominal annual), rates for 7 savings accounts, loan rates in 3 segments and 1 card fee.
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) | 13,277.3 | 57.62% | 63.13% | |
| Investments | 5,321.5 | 23.09% | 19.33% | |
| Available funds | 2,012.9 | 8.74% | 9.84% | |
| Other assets | 2,431.4 | 10.55% | 7.70% |
Its equity is $2,123.4 million, 9.21% 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) | $500 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $99,999 | $100,000 to $199,999 | $200,000 to $499,999 | from $500,000 |
|---|---|---|---|---|---|---|---|
| 31–60 | 2.55% | 2.75% | 2.85% | 3.25% | 3.60% | 4.00% | 4.20% |
| 61–90 | 2.75% | 2.95% | 3.05% | 3.50% | 3.85% | 4.15% | 4.35% |
| 91–120 | 2.95% | 3.15% | 3.40% | 3.75% | 4.10% | 4.35% | 4.55% |
| 121–180 | 3.25% | 3.45% | 3.70% | 4.00% | 4.20% | 4.55% | 4.80% |
| 181–240 | 3.55% | 3.75% | 3.95% | 4.15% | 4.40% | 4.60% | 5.00% |
| 241–300 | 3.80% | 4.00% | 4.15% | 4.40% | 4.60% | 4.90% | 5.20% |
| 301–360 | 4.00% | 4.15% | 4.35% | 4.65% | 4.85% | 5.20% | 5.35% |
| 361–more | 4.10% | 4.25% | 4.45% | 4.75% | 4.95% | 5.40% | 5.55% |
Source: tarifario web octubre 2026 version2, page 5 · downloaded October 23, 2026 · 56 values.
Online · interest at maturity
| Term (days) | $500 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $99,999 | $100,000 to $199,999 | $200,000 to $499,999 | from $500,000 |
|---|---|---|---|---|---|---|---|
| 31–60 | 2.65% | 2.85% | 3.20% | 3.80% | 3.90% | 4.40% | 4.55% |
| 61–90 | 2.85% | 3.05% | 3.45% | 3.95% | 4.05% | 4.45% | 4.60% |
| 91–120 | 3.05% | 3.25% | 3.70% | 4.00% | 4.15% | 4.50% | 4.65% |
| 121–180 | 3.35% | 3.55% | 4.05% | 4.20% | 4.25% | 4.60% | 4.85% |
| 181–240 | 3.65% | 3.85% | 4.30% | 4.40% | 4.45% | 4.65% | 5.05% |
| 241–300 | 3.90% | 4.10% | 4.55% | 4.60% | 4.65% | 4.95% | 5.25% |
| 301–360 | 4.10% | 4.25% | 4.75% | 4.85% | 4.90% | 5.25% | 5.45% |
| 361–more | 4.20% | 4.35% | 4.80% | 4.95% | 5.00% | 5.45% | 5.65% |
Source: tarifario web octubre 2026 version2, page 5 · downloaded October 23, 2026 · 56 values.
General · periodic interest
| Term (days) | $500 to $4,999 | $5,000 to $9,999 | $10,000 to $49,999 | $50,000 to $99,999 | $100,000 to $199,999 | $200,000 to $499,999 | from $500,000 |
|---|---|---|---|---|---|---|---|
| 91–120 | 2.94% | 3.14% | 3.39% | 3.74% | 4.09% | 4.33% | 4.53% |
| 121–180 | 3.24% | 3.44% | 3.68% | 3.98% | 4.18% | 4.52% | 4.77% |
| 181–240 | 3.52% | 3.72% | 3.92% | 4.11% | 4.36% | 4.56% | 4.95% |
| 241–300 | 3.76% | 3.95% | 4.10% | 4.34% | 4.54% | 4.83% | 5.12% |
| 301–360 | 3.94% | 4.09% | 4.28% | 4.57% | 4.76% | 5.10% | 5.25% |
| 361–more | 4.02% | 4.17% | 4.36% | 4.65% | 4.84% | 5.27% | 5.41% |
Source: tarifario web octubre 2026 version2, page 5 · downloaded October 23, 2026 · 42 values.
Savings accounts
| Account | Balance | Nominal rate |
|---|---|---|
Cuenta TransaccionalInstant-access savingsConditions (in Spanish)Con crédito mensual de interés. | from $0 | 0.01% |
Ahorro FlexibleInstant-access savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Ahorro flexible y cuenta joven digital tasa efectiva anual 4,75%. | from $0 | 4.75% |
Cuenta Joven DigitalChildren and young peopleConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Ahorro flexible y cuenta joven digital tasa efectiva anual 4,75%. | from $0 | 4.75% |
Plan de Ahorro Futuro Joven y Plan de Ahorro Futuro E-TeensScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | $0 to $5,000 | 0.01%+ 2.50% bonus |
Plan de Ahorro Futuro Joven y Plan de Ahorro Futuro E-TeensScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | from $5,000 | 1.50%+ 2.50% bonus |
Ahorro Futuro Reserva, Empresas, Jubilación, Reserva Migra FondoScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Aplica para el producto Plan Ahorro Futuro Reserva, Plan Ahorro Jubilación, Plan Ahorro Futuro Empresas, Ah Futuro Reserva Migra Fondo. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | $0 to $999 | 0.01%+ 2.50% bonus |
Ahorro Futuro Reserva, Empresas, Jubilación, Reserva Migra FondoScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Aplica para el producto Plan Ahorro Futuro Reserva, Plan Ahorro Jubilación, Plan Ahorro Futuro Empresas, Ah Futuro Reserva Migra Fondo. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | $1,000 to $4,999 | 0.01%+ 2.75% bonus |
Ahorro Futuro Reserva, Empresas, Jubilación, Reserva Migra FondoScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Aplica para el producto Plan Ahorro Futuro Reserva, Plan Ahorro Jubilación, Plan Ahorro Futuro Empresas, Ah Futuro Reserva Migra Fondo. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | $5,000 to $9,999 | 1.00%+ 3.00% bonus |
Ahorro Futuro Reserva, Empresas, Jubilación, Reserva Migra FondoScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Aplica para el producto Plan Ahorro Futuro Reserva, Plan Ahorro Jubilación, Plan Ahorro Futuro Empresas, Ah Futuro Reserva Migra Fondo. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | $10,000 to $49,999 | 1.00%+ 3.25% bonus |
Ahorro Futuro Reserva, Empresas, Jubilación, Reserva Migra FondoScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. Aplica para el producto Plan Ahorro Futuro Reserva, Plan Ahorro Jubilación, Plan Ahorro Futuro Empresas, Ah Futuro Reserva Migra Fondo. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. | from $50,000 | 1.50%+ 3.50% bonus |
Otros ahorros programados futuroScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. Aplica para los productos Plan Ahorro Futuro Simple, Plan Ahorro Futuro Auto, Plan Ahorro Futuro Casa, Plan Ahorro Futuro Estudio, Plan Ahorro Futuro, Plan Ahorro Futuro Decimos, Plan Ahorro Futuro Crecer, Plan Ahorro Bienes Productivos, Plan Ahorro Futuro Viaje, Plan Ahorro Plazo. | $0 to $4,999 | 0.01%+ 2.50% bonus |
Otros ahorros programados futuroScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. Aplica para los productos Plan Ahorro Futuro Simple, Plan Ahorro Futuro Auto, Plan Ahorro Futuro Casa, Plan Ahorro Futuro Estudio, Plan Ahorro Futuro, Plan Ahorro Futuro Decimos, Plan Ahorro Futuro Crecer, Plan Ahorro Bienes Productivos, Plan Ahorro Futuro Viaje, Plan Ahorro Plazo. | $5,000 to $49,999 | 1.00%+ 2.50% bonus |
Otros ahorros programados futuroScheduled savingsConditions (in Spanish)Capitalización diaria de interés. Tasas de interés aplicables solo a personas naturales. La tasa del bono aplica exclusivamente a los productos de AHORRO FUTURO y será pagada únicamente a los clientes que cumplan con las condiciones generales del producto. Aplica para los productos Plan Ahorro Futuro Simple, Plan Ahorro Futuro Auto, Plan Ahorro Futuro Casa, Plan Ahorro Futuro Estudio, Plan Ahorro Futuro, Plan Ahorro Futuro Decimos, Plan Ahorro Futuro Crecer, Plan Ahorro Bienes Productivos, Plan Ahorro Futuro Viaje, Plan Ahorro Plazo. | from $50,000 | 1.50%+ 2.50% bonus |
Ahorro GanadolarInstant-access savingsConditions (in Spanish)Incluye también productos: Ahorro Ganadolar Personas, Ganadolar Empresas, Ganadiario Empresas Prod Inter, Int Ganadiario Migracion. *BP1000022.010918 19 | $0 to $1,000 | 0.00% |
Ahorro GanadolarInstant-access savingsConditions (in Spanish)Incluye también productos: Ahorro Ganadolar Personas, Ganadolar Empresas, Ganadiario Empresas Prod Inter, Int Ganadiario Migracion. *BP1000022.010918 19 | $1,000 to $50,000 | 0.01% |
Ahorro GanadolarInstant-access savingsConditions (in Spanish)Incluye también productos: Ahorro Ganadolar Personas, Ganadolar Empresas, Ganadiario Empresas Prod Inter, Int Ganadiario Migracion. *BP1000022.010918 19 | $50,000 to $100,000 | 0.25% |
Ahorro GanadolarInstant-access savingsConditions (in Spanish)Incluye también productos: Ahorro Ganadolar Personas, Ganadolar Empresas, Ganadiario Empresas Prod Inter, Int Ganadiario Migracion. *BP1000022.010918 19 | from $100,000 | 0.00% |
Source: tarifario web octubre 2026 version2, page 3 · downloaded October 23, 2026 · 17 values.
Loans
| Product | Effective annual | Nominal | Legal maximum |
|---|---|---|---|
| Consumo y MicrocréditoConsumer | 16.77% | 15.51% | 16.77% |
| Vivienda 36 $5.000Real estate (housing) | 9.15% | 8.79% | 9.15% |
| Crédito de vivienda de interés público y socialSocial and public-interest housing | 4.99% | 4.87% | 4.99% |
Source: tarifario web octubre 2026 version2, page 8 · downloaded October 23, 2026 · 3 values.
Cards
| Service | Fee incl. VAT |
|---|---|
| Credit card · card issue (chip) | $5.03 |
Source: tarifario web octubre 2026 version2, page 21 · downloaded October 23, 2026.
Services and other fees
Service fees
| Service | Fee incl. VAT |
|---|---|
| Withdrawal at another bank’s ATM | $0.52 |
| ATM withdrawal abroad | $5.13 |
| Cash advance, fee per advance | $5.13 |
Source: tarifario web octubre 2026 version2, page 13 · downloaded October 23, 2026.
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 |
|---|---|---|
| 2 months | 16.77% | — |
| 3 months | 16.77% | — |
| 6 months | 16.77% | — |
| 9 months | 16.77% | — |
| 12 months | 16.77% | — |
| 24 months | 16.77% | — |
| 36 months | 16.77% | — |
Source: tarifario web octubre 2026 version2, page 20 · downloaded October 23, 2026 · 7 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 | 184.5 | 235.4 | 11.44% | 1.10% |
| 2025cut-off December 31, 2025 | 240.5 | 314.5 | 12.19% | 1.16% |
| 2024cut-off December 31, 2024 | 150.3 | 214.9 | 8.33% | 0.84% |
| 2023cut-off December 31, 2023 | 185.2 | 250.1 | 12.21% | 1.15% |
| 2022cut-off December 31, 2022 | 150.1 | 221.8 | 11.30% | 1.06% |
| 2021cut-off December 31, 2021 | 102.2 | 153.9 | 8.13% | 0.81% |
| 2020cut-off December 31, 2020 | 50.1 | 73.4 | 4.12% | 0.40% |
| 2019cut-off December 31, 2019 | 130.6 | 195.1 | 11.55% | 1.14% |
| 2018cut-off December 31, 2018 | 119.7 | 204.9 | 11.46% | 1.12% |
| 2017cut-off December 31, 2017 | 71.2 | 106.8 | 7.15% | 0.67% |
Earlier years (2000 to 2016)
| Year | Profit for the year | Before tax | On equity | On assets |
|---|---|---|---|---|
| 2016cut-off December 31, 2016 | 49.2 | 83.0 | 5.60% | 0.49% |
| 2015cut-off December 31, 2015 | 58.5 | 90.3 | 7.09% | 0.65% |
| 2014cut-off December 31, 2014 | 79.7 | 112.4 | 10.30% | 0.81% |
| 2013cut-off December 31, 2013 | 53.5 | 82.2 | 7.37% | 0.59% |
| 2012cut-off December 31, 2012 | 65.9 | 78.4 | 9.54% | 0.81% |
| 2011cut-off December 31, 2011 | 96.5 | 116.5 | 16.86% | 1.43% |
| 2010cut-off December 31, 2010 | 79.1 | 103.3 | 16.33% | 1.37% |
| 2009cut-off December 31, 2009 | 62.3 | 78.8 | 13.95% | 1.31% |
| 2008cut-off December 31, 2008 | 100.0 | 126.3 | 27.70% | 2.25% |
| 2007cut-off December 31, 2007 | 58.6 | 84.0 | 17.76% | 1.65% |
| 2006cut-off December 31, 2006 | 59.5 | 76.0 | 20.85% | 2.02% |
| 2005cut-off December 31, 2005 | 40.2 | 50.7 | 20.36% | 1.90% |
| 2004cut-off December 31, 2004 | 26.6 | 31.5 | 15.93% | 1.37% |
| 2003cut-off December 31, 2003 | 18.9 | 20.5 | 12.79% | 1.17% |
| 2002cut-off December 31, 2002 | 17.3 | 18.4 | 11.78% | 1.15% |
| 2001cut-off December 31, 2001 | 19.0 | — | 14.71% | 1.61% |
| 2000cut-off December 31, 2000 | 13.7 | — | 16.42% | 1.97% |
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 | 681.9 | 2,700.1 | 3,381.9 | 62.92% | |
| Held to maturity | 71.6 | 902.7 | 974.3 | 18.13% | |
| Restricted | — | — | 1,019.1 | 18.96% | |
| Gross portfolio | 753.5 | 3,602.7 | 5,375.3 | 100.00% | |
| Investment provision | -53.8 | ||||
| Net investments | 5,321.5 |
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 | 23,043.1 | 19,380.1 | 13,277.3 | 5,321.5 | 2,123.4 | 3.67% |
| 2025 | 21,542.8 | 17,657.4 | 12,266.6 | 4,537.4 | 2,211.1 | 3.86% |
| 2024 | 19,493.1 | 15,672.8 | 11,531.5 | 3,960.1 | 1,938.8 | 3.57% |
| 2023 | 17,048.1 | 13,453.6 | 10,317.3 | 3,229.0 | 1,805.8 | 3.53% |
| 2022 | 15,465.5 | 12,306.0 | 9,308.3 | 2,563.5 | 1,478.1 | 2.61% |
| 2021 | 13,400.4 | 11,059.9 | 7,751.7 | 2,535.3 | 1,344.4 | 2.71% |
| 2020 | 12,614.7 | 10,141.9 | 6,287.0 | 2,234.6 | 1,265.7 | 3.53% |
| 2019 | 11,437.4 | 8,990.0 | 6,963.0 | 1,778.2 | 1,261.5 | 3.24% |
| 2018 | 10,664.5 | 8,566.0 | 6,417.7 | 1,477.8 | 1,164.5 | 3.24% |
| 2017 | 10,615.4 | 8,705.5 | 6,229.0 | 1,445.4 | 1,066.8 | 3.54% |
| 2016 | 10,116.1 | 8,392.6 | 5,914.7 | 1,616.0 | 926.8 | 4.15% |
| 2015 | 8,928.3 | 7,270.5 | 5,000.2 | 1,137.4 | 883.0 | 4.05% |
| 2014 | 9,883.0 | 8,265.1 | 5,499.8 | 1,789.5 | 853.7 | 3.62% |
| 2013 | 9,023.6 | 7,208.5 | 4,801.5 | 1,589.9 | 780.4 | 3.45% |
| 2012 | 8,092.7 | 6,490.0 | 4,291.6 | 858.6 | 757.2 | 3.18% |
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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