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Banks / Solidario

Solidario rates and fees

Banco Solidario 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 (3.70% to 5.20% nominal annual), rates for 6 savings accounts and 2 card fees.

Risk ratingAAA-CLASS INTERNATIONAL RATING · December 2025
Access to informationPublishes its ratesPublic documents that can be downloaded.
Document modifiedOctober 12, 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, $10,0004.70%#9 of 18 banks · median 4.68%
Savings, $10,000 balance3.50%#10 of 17 banks · Rentahorros saldo estable
Assets$816.4 million#12 of 23 private banks · 0.98% of the total
Customer deposits$350.6 million25.80% on demand, 72.48% term
Investments$77.9 million9.54% of its assets · system 19.33%
Non-performing loans4.81%system 2.94% · what it is
Liquidity34.29%available funds over short-term deposits · system 17.14%
Profit 2026 (January to September)$13.4 million12.34% 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)605.574.18%63.13%
Investments77.99.54%19.33%
Available funds69.78.54%9.84%
Other assets63.27.74%7.70%

Its equity is $142.4 million, 17.45% 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)$1,000 to $2,000$2,001 to $4,000$4,001 to $8,000$8,001 to $10,000from $10,000
31–903.70%3.76% effective3.70%3.76% effective3.70%3.76% effective3.70%3.76% effective3.70%3.76% effective
91–1804.05%4.13% effective4.05%4.13% effective4.05%4.13% effective4.05%4.13% effective4.05%4.13% effective
181–3644.70%4.80% effective4.70%4.80% effective4.70%4.80% effective4.70%4.80% effective4.70%4.80% effective
365–more5.20%5.33% effective5.20%5.33% effective5.20%5.33% effective5.20%5.33% effective5.20%5.33% effective

Source: Banco Solidario TARIFARIO OCTUBRE 2026 Pasivas 0, page 1 · downloaded October 24, 2026 · 20 values.

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Savings accounts

AccountBalanceNominal rate
Cuenta AhorrosInstant-access savings$0 to $90.00%0.00% effective
Cuenta ConmigoInstant-access savings$0 to $90.00%0.00% effective
Cuenta por InternetInstant-access savings$0 to $90.00%0.00% effective
Ahorro programado Futuro SeguroScheduled savings$0 to $90.00%0.00% effective
Cuenta AhorrosInstant-access savings$10 to $990.00%0.00% effective
Cuenta ConmigoInstant-access savings$10 to $990.00%0.00% effective
Cuenta por InternetInstant-access savings$10 to $990.00%0.00% effective
Ahorro programado Futuro SeguroScheduled savings$10 to $992.50%2.50% effective
Cuenta AhorrosInstant-access savings$100 to $5000.25%0.25% effective
Cuenta ConmigoInstant-access savings$100 to $5000.25%0.25% effective
Cuenta por InternetInstant-access savings$100 to $5000.25%0.25% effective
Ahorro programado Futuro SeguroScheduled savings$100 to $5002.50%2.50% effective
Cuenta AhorrosInstant-access savings$501 to $1,0000.50%0.50% effective
Cuenta ConmigoInstant-access savings$501 to $1,0000.50%0.50% effective
Cuenta por InternetInstant-access savings$501 to $1,0000.50%0.50% effective
Ahorro programado Futuro SeguroScheduled savings$501 to $1,0002.50%2.50% effective
Cuenta AhorrosInstant-access savings$1,001 to $2,0000.75%0.75% effective
Cuenta ConmigoInstant-access savings$1,001 to $2,0000.75%0.75% effective
Cuenta por InternetInstant-access savings$1,001 to $2,0000.75%0.75% effective
Ahorro programado Futuro SeguroScheduled savings$1,001 to $2,0002.50%2.50% effective
Cuenta AhorrosInstant-access savings$2,001 to $4,0000.75%0.75% effective
Cuenta ConmigoInstant-access savings$2,001 to $4,0000.75%0.75% effective
Cuenta por InternetInstant-access savings$2,001 to $4,0000.75%0.75% effective
Ahorro programado Futuro SeguroScheduled savings$2,001 to $4,0002.50%2.50% effective
Cuenta AhorrosInstant-access savings$4,001 to $8,0001.00%1.00% effective
Cuenta ConmigoInstant-access savings$4,001 to $8,0001.00%1.00% effective
Cuenta por InternetInstant-access savings$4,001 to $8,0001.00%1.00% effective
Ahorro programado Futuro SeguroScheduled savings$4,001 to $8,0002.50%2.50% effective
Cuenta AhorrosInstant-access savings$8,001 to $10,0001.25%1.26% effective
Cuenta ConmigoInstant-access savings$8,001 to $10,0001.25%1.26% effective
Cuenta por InternetInstant-access savings$8,001 to $10,0001.25%1.26% effective
Ahorro programado Futuro SeguroScheduled savings$8,001 to $10,0002.50%2.50% effective
Cuenta AhorrosInstant-access savingsfrom $10,0001.50%1.51% effective
Cuenta ConmigoInstant-access savingsfrom $10,0001.50%1.51% effective
Cuenta por InternetInstant-access savingsfrom $10,0001.50%1.51% effective
Ahorro programado Futuro SeguroScheduled savingsfrom $10,0002.50%2.50% effective
Rentahorros saldo estableInstant-access savings$0 to $9990.00%0.00% effective
Rentahorros saldo estableInstant-access savingsfrom $1,0003.50%3.56% effective
Rentahorros saldo variableInstant-access savings$0 to $9990.00%0.00% effective
Rentahorros saldo variableInstant-access savings$1,000 to $4,9991.50%1.51% effective
Rentahorros saldo variableInstant-access savings$5,000 to $9,9991.75%1.76% effective
Rentahorros saldo variableInstant-access savings$10,000 to $19,9992.00%2.02% effective
Rentahorros saldo variableInstant-access savingsfrom $20,0002.25%2.27% effective

Source: Banco Solidario TARIFARIO OCTUBRE 2026 Pasivas 0, page 1 · downloaded October 24, 2026 · 43 values.

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Cards

Annual credit card charges

Card or segmentChargeAnnual fee incl. VAT
Segmento B+Rewards plan$32.20
Segmento A+ y ABenefits abroad$23.00

Source: Banco Solidario TARIFARIO OCTUBRE 2026 Servicios Fiancieros 0, page 2 · downloaded October 24, 2026.

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Services and other fees

Service fees

ServiceFee incl. VAT
Transfer to another bank (SPI), online$0.41
Transfer to another bank (SPI), at a branch$2.21

Source: Banco Solidario TARIFARIO OCTUBRE 2026 Servicios Fiancieros 0, page 1 · downloaded October 24, 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.

TermEffective rateFactor
2 months16.75%—
3 months16.75%—
6 months16.75%—
9 months16.75%—
12 months16.75%—
18 months16.75%—
24 months16.75%—
36 months16.75%—

Source: Banco Solidario TARIFARIO OCTUBRE 2026 Activas 0, page 1 · downloaded October 24, 2026 · 8 values.

It publishes the out-of-court collection table with the same values as the other banks that print it.

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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.

051015202000: 0.7 million2001: 1.2 million2002: 3.0 million2003: 3.4 million2004: 3.6 million2005: 3.2 million2006: 0.2 million2007: 0.1 million2008: 0.2 million2009: 0.4 million2010: 2.8 million2011: 7.0 million2012: 9.9 million2013: 7.9 million2014: 9.5 million2015: 7.5 million2016: 3.4 million2017: 9.6 million2018: 15.0 million2019: 17.9 million2020: 1.4 million2021: 10.9 million2022: 14.6 million2023: 7.9 million2024: 1.2 million2025: 2.8 million2026 (January to September): 13.4 million200020052010201520202026
YearProfit for the yearBefore taxOn equityOn assets
2026 (January to September)cut-off September 30, 202613.419.412.34%2.26%
2025cut-off December 31, 20252.83.61.94%0.36%
2024cut-off December 31, 20241.21.40.83%0.13%
2023cut-off December 31, 20237.912.24.61%0.81%
2022cut-off December 31, 202214.623.29.01%1.71%
2021cut-off December 31, 202110.916.77.19%1.41%
2020cut-off December 31, 20201.41.60.95%0.19%
2019cut-off December 31, 201917.928.313.57%2.20%
2018cut-off December 31, 201815.025.512.76%1.92%
2017cut-off December 31, 20179.617.78.54%1.33%
Earlier years (2000 to 2016)
YearProfit for the yearBefore taxOn equityOn assets
2016cut-off December 31, 20163.47.43.13%0.50%
2015cut-off December 31, 20157.512.77.43%1.11%
2014cut-off December 31, 20149.515.88.88%1.29%
2013cut-off December 31, 20137.912.07.62%1.05%
2012cut-off December 31, 20129.914.020.75%2.50%
2011cut-off December 31, 20117.09.517.22%2.03%
2010cut-off December 31, 20102.84.17.28%0.91%
2009cut-off December 31, 20090.40.71.19%0.15%
2008cut-off December 31, 20080.20.40.62%0.07%
2007cut-off December 31, 20070.10.20.33%0.04%
2006cut-off December 31, 20060.20.80.66%0.06%
2005cut-off December 31, 20053.24.615.38%1.17%
2004cut-off December 31, 20043.65.320.57%1.65%
2003cut-off December 31, 20033.44.226.29%2.03%
2002cut-off December 31, 20023.04.223.86%1.97%
2001cut-off December 31, 20011.2—11.78%1.32%
2000cut-off December 31, 20000.7—9.77%1.10%

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$77.9 million9.54% of its assets
In the State and public sector47.01%of the gross portfolio · system 65.14%
In the private sector52.82%of the gross portfolio
Restricted0.17%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 sale41.112.854.069.29%
Held to maturity0.023.823.830.54%
Restricted——0.10.17%
Gross portfolio41.136.677.9100.00%
Investment provision0.0
Net investments77.9

Investments by year

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

0501001502012: 48.0 million2013: 68.2 million2014: 38.6 million2015: 61.5 million2016: 77.3 million2017: 85.7 million2018: 79.2 million2019: 81.8 million2020: 101.9 million2021: 104.5 million2022: 76.0 million2023: 78.7 million2024: 91.1 million2025: 69.1 millionSeptember 30, 2026: 77.9 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.

02505007501,0002012: 394.8 million2013: 746.3 million2014: 737.5 million2015: 674.8 million2016: 677.6 million2017: 720.2 million2018: 781.9 million2019: 815.1 million2020: 762.8 million2021: 812.0 million2022: 942.5 million2023: 991.1 million2024: 857.3 million2025: 765.3 millionSeptember 30, 2026: 816.4 million20122014201620182020202220242026
YearAssetsDepositsLoansInvestmentsEquityNPL ratio
September 30, 2026816.4350.6605.577.9142.44.81%
2025765.3343.0570.369.1148.74.99%
2024857.3372.8630.291.1145.96.92%
2023991.1461.7770.278.7158.25.84%
2022942.5453.1731.976.0183.03.26%
2021812.0390.8590.1104.5160.03.18%
2020762.8388.8517.5101.9151.15.13%
2019815.1413.1608.681.8149.85.59%
2018781.9427.4574.879.2132.75.40%
2017720.2402.8523.485.7122.15.24%
2016677.6388.6487.877.3111.66.77%
2015674.8414.5482.261.5108.38.91%
2014737.5473.5531.638.6116.76.91%
2013746.3475.2505.768.2110.97.48%
2012394.8216.9254.348.057.57.82%

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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