The system, year by year
Profit or loss for the year of all private banks together, in millions of dollars. Each year comes from the December bulletin, except the latest, which is the year to date.
| Year | Profit for the year | On equity | On assets | Banks |
|---|---|---|---|---|
| 2026 (January to September) | 802.1 | 13.88% | 1.34% | 23 |
| 2025 | 946.4 | 13.50% | 1.31% | 23 |
| 2024 | 660.2 | 10.07% | 1.04% | 24 |
| 2023 | 737.5 | 12.36% | 1.27% | 24 |
| 2022 | 663.7 | 12.21% | 1.24% | 24 |
| 2021 | 387.4 | 7.61% | 0.79% | 24 |
| 2020 | 233.2 | 4.80% | 0.48% | 24 |
| 2019 | 615.8 | 13.90% | 1.38% | 24 |
| 2018 | 553.8 | 13.65% | 1.35% | 24 |
| 2017 | 395.8 | 10.36% | 1.02% | 24 |
| 2016 | 221.9 | 6.72% | 0.62% | 23 |
| 2015 | 271.0 | 8.96% | 0.88% | 22 |
| 2014 | 334.7 | 11.95% | 1.00% | 23 |
| 2013 | 268.0 | 10.52% | 0.87% | 24 |
| 2012 | 314.3 | 13.00% | 1.13% | 26 |
| 2011 | 394.8 | 18.91% | 1.65% | 26 |
| 2010 | 260.9 | 14.31% | 1.27% | 25 |
| 2009 | 217.6 | 13.14% | 1.24% | 25 |
| 2008 | 282.2 | 19.89% | 1.72% | 25 |
| 2007 | 253.9 | 21.43% | 1.85% | 24 |
| 2006 | 239.1 | 23.97% | 2.01% | 24 |
| 2005 | 158.5 | 19.76% | 1.80% | 25 |
| 2004 | 120.4 | 17.63% | 1.64% | 25 |
| 2003 | 92.1 | 15.56% | 1.50% | 22 |
| 2002 | 85.0 | 15.30% | 1.50% | 22 |
| 2001 | -579.5 | 55.60% | -9.89% | 35 |
| 2000 | -589.2 | -317.16% | -10.73% | 38 |
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.
In 2000 and 2001, after the 1999 banking crisis, the bulletins include banks under state control or being restructured, with large losses; the line read in those years is “Resultados del ejercicio” (results for the year). A positive return on equity alongside a loss, as in 2001, happens when average equity is negative. Figures have been in dollars since 2000.
By bank, last 6 years
Profit or loss for the year in millions of dollars. Banks in alphabetical order; a negative figure is a loss. Each bank’s full series is on its page and in Open data.
| Bank | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (January to September) |
|---|---|---|---|---|---|---|
| Amazonas | 0.3 | 0.3 | 0.4 | 0.7 | 1.4 | 0.1 |
| Amibankno longer operates as a bank | — | — | -9.9 | -8.2 | — | — |
| Atlántida | — | — | — | — | 0.0 | 0.1 |
| Austro | 12.6 | 13.2 | 16.3 | 9.8 | 23.5 | 22.3 |
| BGR | 9.9 | 12.9 | 14.3 | 11.6 | 15.2 | 14.5 |
| Bolivariano | 40.8 | 55.5 | 65.6 | 66.1 | 70.7 | 54.4 |
| Capital | -2.0 | -1.1 | 0.0 | -1.0 | -0.1 | 0.0 |
| Citibank N.A. Sucursal Ecuador | 1.8 | 3.9 | 16.7 | 13.5 | 21.6 | 15.8 |
| Comercial de Manabí | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.2 |
| Coopnacional | 0.7 | 0.7 | 1.0 | 1.1 | 0.5 | 0.6 |
| D-Mirono longer operates as a bank | 0.1 | -7.2 | -5.5 | -3.4 | — | — |
| Delbank | 0.1 | -0.2 | 0.0 | 0.0 | 0.0 | 0.0 |
| Desarrollo de los Pueblos | 2.1 | 1.0 | 1.4 | 1.3 | 2.0 | 1.2 |
| Diners Club del Ecuador | 36.0 | 53.0 | 57.3 | 30.3 | 43.0 | 40.7 |
| Fincano longer operates as a bank | -6.2 | -3.0 | — | — | — | — |
| Guayaquil | 74.4 | 109.7 | 121.7 | 120.1 | 152.7 | 120.5 |
| Internacional | 42.0 | 51.3 | 62.1 | 57.2 | 68.1 | 53.0 |
| Litoral | 0.1 | 0.2 | 0.1 | -0.2 | 0.2 | -0.4 |
| Loja | 5.3 | 7.4 | 9.1 | 7.9 | 10.6 | 9.6 |
| Machala | 3.3 | 6.1 | 6.3 | 4.1 | 7.4 | 6.6 |
| Pacífico | 5.7 | 108.2 | 122.6 | 158.1 | 206.1 | 176.2 |
| Pichincha | 102.2 | 150.1 | 185.2 | 150.3 | 240.5 | 184.5 |
| ProCredit | 0.2 | 1.0 | -4.0 | -5.2 | -9.6 | 2.6 |
| Produbanco | 45.8 | 82.6 | 65.8 | 42.9 | 85.3 | 81.4 |
| Solidario | 10.9 | 14.6 | 7.9 | 1.2 | 2.8 | 13.4 |
| VisionFund Ecuador | 1.1 | 3.4 | 2.8 | 2.1 | 4.5 | 4.8 |
| All private banks | 387.4 | 663.7 | 737.5 | 660.2 | 946.4 | 802.1 |
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.
Private banks only: the public banks (BanEcuador, CFN, BDE) are published in other bulletins. In 2000, 2001, 2026 (January to September), the sum of the banks differs from the total the bulletin prints by -0.0, -0.0, 0.2 million; we show both figures as published.
Return on equity
Profit for the year over average equity, as an annual percentage. Banks in alphabetical order.
| Bank | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (January to September) |
|---|---|---|---|---|---|---|
| Amazonas | 1.14% | 1.22% | 1.40% | 1.99% | 3.56% | 0.34% |
| Amibankno longer operates as a bank | — | — | -82.02% | -100.57% | — | — |
| Atlántida | — | — | — | — | 0.12% | 0.76% |
| Austro | 6.26% | 5.87% | 6.89% | 3.86% | 8.86% | 10.30% |
| BGR | 11.99% | 14.16% | 14.08% | 10.30% | 12.53% | 14.62% |
| Bolivariano | 11.46% | 13.84% | 14.77% | 13.38% | 12.97% | 12.23% |
| Capital | -27.50% | -16.54% | 0.27% | -12.92% | -0.85% | 0.10% |
| Citibank N.A. Sucursal Ecuador | 2.21% | 4.80% | 19.75% | 14.10% | 21.73% | 19.83% |
| Comercial de Manabí | 0.88% | 1.07% | 0.22% | 0.10% | 0.14% | 1.54% |
| Coopnacional | 2.17% | 2.34% | 3.08% | 3.20% | 1.36% | 2.36% |
| D-Mirono longer operates as a bank | 0.32% | -36.39% | -38.23% | -27.12% | — | — |
| Delbank | 0.83% | -1.74% | 0.07% | 0.07% | 0.08% | 0.04% |
| Desarrollo de los Pueblos | 8.51% | 3.74% | 4.78% | 3.61% | 5.49% | 4.05% |
| Diners Club del Ecuador | 8.09% | 11.24% | 11.33% | 5.63% | 7.72% | 9.35% |
| Fincano longer operates as a bank | -42.64% | -27.02% | — | — | — | — |
| Guayaquil | 13.92% | 18.82% | 18.66% | 16.68% | 19.37% | 18.14% |
| Internacional | 10.93% | 12.27% | 13.84% | 11.82% | 13.21% | 12.80% |
| Litoral | 0.91% | 1.42% | 1.21% | -2.01% | 1.58% | -4.06% |
| Loja | 8.79% | 11.22% | 12.97% | 10.31% | 13.09% | 14.58% |
| Machala | 5.11% | 8.38% | 8.09% | 5.02% | 8.52% | 9.64% |
| Pacífico | 0.72% | 13.24% | 13.99% | 17.52% | 21.86% | 21.01% |
| Pichincha | 8.13% | 11.30% | 12.21% | 8.33% | 12.19% | 11.44% |
| ProCredit | 0.43% | 1.67% | -6.84% | -9.66% | -17.89% | 6.66% |
| Produbanco | 10.22% | 17.00% | 12.15% | 7.19% | 13.34% | 15.29% |
| Solidario | 7.19% | 9.01% | 4.61% | 0.83% | 1.94% | 12.34% |
| VisionFund Ecuador | 6.19% | 18.71% | 14.43% | 9.83% | 19.65% | 25.45% |
| All private banks | 7.61% | 12.21% | 12.36% | 10.07% | 13.50% | 13.88% |
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.
Return on assets
Profit for the year over average assets, as an annual percentage. Banks in alphabetical order.
| Bank | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (January to September) |
|---|---|---|---|---|---|---|
| Amazonas | 0.11% | 0.11% | 0.12% | 0.19% | 0.32% | 0.03% |
| Amibankno longer operates as a bank | — | — | -12.14% | -10.70% | — | — |
| Atlántida | — | — | — | — | 0.01% | 0.06% |
| Austro | 0.57% | 0.54% | 0.68% | 0.38% | 0.75% | 0.83% |
| BGR | 1.02% | 1.23% | 1.25% | 0.94% | 1.13% | 1.31% |
| Bolivariano | 1.00% | 1.23% | 1.38% | 1.30% | 1.24% | 1.13% |
| Capital | -6.60% | -2.82% | 0.04% | -2.34% | -0.14% | 0.01% |
| Citibank N.A. Sucursal Ecuador | 0.28% | 0.60% | 2.15% | 1.85% | 2.88% | 2.64% |
| Comercial de Manabí | 0.20% | 0.24% | 0.05% | 0.02% | 0.02% | 0.18% |
| Coopnacional | 0.34% | 0.37% | 0.49% | 0.49% | 0.21% | 0.32% |
| D-Mirono longer operates as a bank | 0.06% | -6.63% | -6.72% | -4.51% | — | — |
| Delbank | 0.29% | -0.63% | 0.03% | 0.02% | 0.02% | 0.01% |
| Desarrollo de los Pueblos | 0.97% | 0.43% | 0.60% | 0.48% | 0.63% | 0.48% |
| Diners Club del Ecuador | 1.62% | 2.29% | 2.22% | 1.05% | 1.37% | 1.64% |
| Fincano longer operates as a bank | -6.84% | -3.50% | — | — | — | — |
| Guayaquil | 1.25% | 1.68% | 1.72% | 1.53% | 1.68% | 1.54% |
| Internacional | 1.03% | 1.18% | 1.32% | 1.13% | 1.21% | 1.14% |
| Litoral | 0.27% | 0.41% | 0.33% | -0.56% | 0.44% | -1.05% |
| Loja | 0.89% | 1.04% | 1.18% | 0.94% | 1.11% | 1.22% |
| Machala | 0.36% | 0.62% | 0.58% | 0.38% | 0.63% | 0.68% |
| Pacífico | 0.08% | 1.56% | 1.77% | 2.04% | 2.24% | 2.24% |
| Pichincha | 0.81% | 1.06% | 1.15% | 0.84% | 1.16% | 1.10% |
| ProCredit | 0.05% | 0.16% | -0.59% | -0.77% | -1.31% | 0.50% |
| Produbanco | 0.82% | 1.29% | 0.93% | 0.57% | 1.01% | 1.17% |
| Solidario | 1.41% | 1.71% | 0.81% | 0.13% | 0.36% | 2.26% |
| VisionFund Ecuador | 1.25% | 3.37% | 2.28% | 1.59% | 2.96% | 3.49% |
| All private banks | 0.79% | 1.24% | 1.27% | 1.04% | 1.31% | 1.34% |
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.
Banks that no longer operate
Institutions that appear in the bulletins since 2000 and no longer operate as a private bank, with the years they reported. Their figures are in utilidades.csv.
| Institution | Years in the bulletins | Last result |
|---|---|---|
| ABN AMRO | 2000 | 0.32000 |
| Amibank | 2023 to 2024 | -8.22024 |
| Andes | 2004 to 2005 | -1.82005 |
| Aserval | 2000 | 0.12000 |
| Azuay | 2000 to 2001 | -22.82001 |
| Bancomex | 2000 to 2001 | -0.42001 |
| Centromundo | 2000 to 2006 | 0.92006 |
| COFIEC | 2000 to 2014 | 0.12014 |
| D-Miro | 2011 to 2024 | -3.42024 |
| De Crédito | 2000 to 2001 | -3.82001 |
| De Préstamos | 2000 to 2001 | -55.62001 |
| Del Occidente | 2000 to 2001 | -1.02001 |
| Filanbanco | 2000 to 2001 | -347.92001 |
| Finagro | 2000 to 2001 | -25.62001 |
| Financorp | 2000 to 2001 | -17.52001 |
| Finca | 2008 to 2022 | -3.02022 |
| GNB Ecuador | 2000 | -1.02000 |
| ING Bank | 2000 | 0.92000 |
| Lloyds Bank | 2000 to 2010 | -8.52010 |
| M. M. Jaramillo Arteaga | 2001 to 2008 | 3.22008 |
| Popular | 2000 to 2001 | 0.02001 |
| Progreso | 2000 to 2001 | -21.42001 |
| Promerica | 2009 to 2013 | 5.32013 |
| Solbanco | 2000 to 2001 | -14.02001 |
| Sudamericano | 2000 to 2013 | 0.12013 |
| Territorial | 2000 to 2012 | 0.12012 |
| Tungurahua | 2000 to 2001 | -18.42001 |
| Unibanco | 2000 to 2012 | 5.72012 |
| Unión | 2000 to 2001 | -25.02001 |
Each bank’s accounting figures, published by the Superintendencia de Bancos; they are neither a recommendation nor a rating. The full data is in Open data.