Private banks

Banco Austro

Balance sheet and official indicators reported to the Superintendencia de Bancos, as of July 31, 2026. The figures are the regulator's bulletin's: this profile orders them, it does not produce them.

Risk rating: AA+ / AAA- as of December 2025, by PCR Pacific Credit Rating - Class International Rating Calificadora de Riesgos S.A. / Global Rating S.A., as published by the Superintendencia de Bancos.

RUC: 0190055965001

Assets: $3,709 M
Public deposits: $3,189 M
Loan book: $1,961 M
Period result: $17.9 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $1,961 M 52.9%
Investments $742.5 M 20.0%
Available funds $558.9 M 15.1%
Rest of the assets $446.8 M 12.0%

Where it comes from

Sight deposits $1,553 M 42.1%
Term deposits $1,564 M 42.4%
Financial obligations $130.4 M 3.5%
Own equity $289.2 M 7.8%
Other liabilities $155.9 M 4.2%

The two bars answer the two questions of any balance sheet. The first, where the money is placed: credit lent out, investments in paper and the cash available to respond immediately. The second, where it comes from: what the public deposits at sight or at term, what the institution owes other institutions and what is its own capital.

The proportion between sight and term says a lot about the funding: term deposits are more stable but cost interest; sight deposits are nearly free but can leave tomorrow. And on the asset side, the more the loan book weighs against the investments, the deeper the balance sheet sits in the business of lending.

So far this year it carries income of $230.3 M against expenses of $212.4 M: that is where the headline result of $17.9 M comes from.

Who it lends to

Gross loans $2,051 M

Consumer $1,281 M 62.4% Segment delinquency: 5.5%
Productive $698.6 M 34.1% Segment delinquency: 0.9%
Real estate $57 M 2.8% Segment delinquency: 3.2%
Microcredit $13 M 0.6% Segment delinquency: 11.8%
COVID-19 refinanced and restructured $2 M 0.1%

Credit is not one thing: the bulletin breaks it down by segment, each with its risk and its price. Here the consumer segment dominates, with 62.4% of the placed loans.

Each segment's delinquency, computed by the supervisor, shows where it gets paid well and where not: productive credit tends to fail little, consumer lending and microcredit more, and that difference is what explains the price each borrower pays.

Gross loans by segment (accounts 14xx of the balance sheet, before provisions): that is why the sum, $2,051 M, differs from the net loan book in the header, $1,961 M.

The official indicators

Computed by the Superintendencia de Bancos

This page does not compute these 15 indicators: the supervisor itself publishes them with its methodology, and here they are ordered the way an analyst reads them, from solvency to liquidity. Each carries its explanation, its formula and its subsystem's aggregate figure alongside, for comparison. None is a grade or a rating: they are photos of one specific month, best read together and in context.

Solvency

Net capitalization index 6.7% The institution’s capital cushion, adjusted for non-earning assets: how much free equity remains per 100 dollars of assets once the unproductive deadweight is discounted. FK ÷ FI, per the supervisor’s methodology · its subsystem as a whole: 9.1%
Nonperforming loans over equity 28.0% How much of the equity would be consumed if the whole damaged loan book proved uncollectible and no provisions existed. It measures how heavily delinquency weighs against own capital. Nonperforming loans ÷ equity · its subsystem as a whole: 22.2%
Equity over immobilized assets 92.6% How many times equity covers the assets that generate no income (delinquency, foreclosed goods, premises). Above 100%, own capital absorbs everything immobilized. (Equity + results) ÷ immobilized assets · its subsystem as a whole: 401.0%

Loan book quality

Total loan delinquency 3.9% Of every 100 dollars lent, how many are past due or have stopped earning interest. It is the most direct measure of loan book quality. Nonperforming loans ÷ gross loans · its subsystem as a whole: 3.1%
Coverage of problem loans 111.5% How much money the institution has provisioned against troubled credits. Above 100% means provisions cover that entire book. Provisions ÷ nonperforming loans · its subsystem as a whole: 213.4%
Earning assets over the total 83.7% How much of the assets generate income (healthy loans and investments) against the part that does not: offices, goods received in payment or loans in arrears. Earning assets ÷ total assets · its subsystem as a whole: 92.4%

Profitability

Return on equity (ROE) 10.6% How much the institution has earned so far this year per 100 dollars of its owners’ or members’ equity. Period result ÷ average equity · its subsystem as a whole: 14.0%
Return on assets (ROA) 0.9% The same measured against everything the institution manages, own or third-party: how much every 100 dollars of assets yields. Period result ÷ average assets · its subsystem as a whole: 1.4%
Intermediation margin over assets 0.9% What the pure business of taking and lending leaves, operating cost already paid, per 100 dollars of assets. It can be negative when operations cost more than the financial margin yields. Estimated intermediation margin ÷ average assets · its subsystem as a whole: 1.2%

Efficiency

Operating cost over margin 77.4% How much of the margin the financial business leaves gets consumed in salaries, offices and technology. Near 100% means operations eat the margin. Operating expenses ÷ financial margin · its subsystem as a whole: 74.5%
Operating cost over assets 2.9% The cost of keeping the institution running, measured against its size: how many dollars of annualized operating expense per 100 of assets. Estimated operating expenses ÷ average assets · its subsystem as a whole: 3.6%
Personnel cost over assets 0.9% The share of that cost that goes to payroll. Compared among institutions of the same size, it shows who runs heavier structures. Estimated personnel expenses ÷ average assets · its subsystem as a whole: 1.1%

Liquidity and funding

Immediate liquidity 25.3% What share of the deposits that can be withdrawn at any moment it could serve today with the cash it has available. Available funds ÷ short-term deposits · its subsystem as a whole: 17.8%
Financial intermediation 65.8% How much of what the institution takes in deposits it has turned into loans. It is the pulse of its trade: gathering savings to lend them. Gross loans ÷ sight and term deposits · its subsystem as a whole: 88.9%
Yield of the performing loan book 13.3% The effective rate the healthy loan book is yielding the institution: the average price at which its credit is placed. Income from performing loans ÷ average performing loans · its subsystem as a whole: 11.1%

The full balance sheet (assets $3,709 M, liabilities $3,402 M, equity $289.2 M) satisfies the bulletin's accounting identity: the period result, $17.9 M, is exactly assets minus liabilities minus equity.

See the whole financial system, banks and cooperatives side by side

Its historical series

2003–2026

Assets · year-end close (billions)

0.2

3.7

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.2
2004: 0.3
2005: 0.3
2006: 0.4
2007: 0.5
2008: 0.7
2009: 0.7
2010: 0.9
2011: 1
2012: 1.2
2013: 1.4
2014: 1.6
2015: 1.5
2016: 1.7
2017: 1.7
2018: 1.7
2019: 1.8
2020: 2.1
2021: 2.4
2022: 2.4
2023: 2.5
2024: 2.9
2025: 3.4
2026: 3.7

Public deposits · year-end close (billions)

0.2

3.2

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.2
2004: 0.2
2005: 0.3
2006: 0.4
2007: 0.5
2008: 0.6
2009: 0.6
2010: 0.8
2011: 0.9
2012: 1
2013: 1.2
2014: 1.3
2015: 1.2
2016: 1.5
2017: 1.5
2018: 1.5
2019: 1.5
2020: 1.8
2021: 2.1
2022: 2
2023: 2.1
2024: 2.4
2025: 2.9
2026: 3.2

Loan book · year-end close (millions)

106

1,961

2003 2007 2011 2015 2019 2026

See the full series

2003: 106
2004: 161
2005: 205
2006: 258
2007: 325
2008: 419
2009: 381
2010: 538
2011: 629
2012: 707
2013: 783
2014: 882
2015: 834
2016: 838
2017: 889
2018: 929
2019: 1,000
2020: 1,045
2021: 1,273
2022: 1,473
2023: 1,443
2024: 1,609
2025: 1,775
2026: 1,961

The three curves together tell the bank's biography: how its size grew, how much of that expansion the public financed with its deposits and how much ended up turned into credit. When the three move in step, the business is the classic one of intermediating; when they part ways, something changed in the model.

Series harmonized by the Superintendencia de Bancos to the current chart of accounts, so the years are comparable with each other.

Where its deposits sit

42 cantons · 770,041 accounts

Cuenca Azuay $1,163 M
Quito Pichincha $417.1 M
Guayaquil Guayas $340 M
Ambato Tungurahua $200.1 M
Machala El Oro $116 M
Azogues Cañar $99.3 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Austro holds public deposits in 42 cantons, spread across 770,041 accounts; above, the cantons where it holds the most.

Tax status (SRI)

updated September 3, 2026

RUC status: Active

Phantom taxpayer: No
Nonexistent transactions: No

Tax regime: General regime The set of rules under which it files its taxes
Required to keep accounting books: Yes
Withholding agent: Yes When paying third parties, it withholds taxes and remits them to the SRI
Special taxpayer: Yes Designated by the SRI for its size, with additional filing obligations
Start of activities: August 2, 1977

Establishments · 118 registered, 102 open

HEAD OFFICE Azuay / Cuenca / el Sagrario / Sucre S/N y Borrero Open
Azuay / Cuenca / Huaynacapac / Av. 24 de Mayo S/N y Av del Paraiso Open
Azuay / Cuenca / San Blas / Av. España S/N y Jose Joaquin de Olmedo Open
Cañar / Azogues / Azogues / Padre Matovelle S/N y Azuay Open
Azuay / Cuenca / Huaynacapac / Av. Manuel J. Calle S/N y Av. del Estadio Open
Azuay / Gualaceo / Gualaceo / 3 de Noviembre S/N y Colon Open
Cañar / Cañar / Cañar / 5 de Junio S/N y Pichincha Open
Guayas / Guayaquil / Roca / Boyaca 1120 y Av. 9 de Octubre Open
Pichincha / Quito / Mariscal Sucre / Santa María E4-333 y Av. Río Amazonas Open
Azuay / Cuenca / Hermano Miguel / Via a Patamarca S/N y Palmiras Open
Azuay / Cuenca / el Batan / Av. de las Americas S/N y Eduardo Arias Open
Morona Santiago / Morona / Macas / 24 de Mayo S/N y Entre Gavino Rivadeneira y Juan de la Cruz Open
Guayas / Guayaquil / Tarqui / Av. Rodolfo Baquerizo Nazur S-N y Jose Roura Open
Azuay / Cuenca / Totoracocha / Av. Hurtado de Mendoza 14-47 y Entre Antisana y Saraurco Open
Cañar / la Troncal / la Troncal / Av. 25 de Agosto S/N y Heroes de Verdeloma Open
Cañar / Azogues / Azogues / Padre Matovelle 6-29 y Mariscal Sucre Open
Pichincha / Quito / Centro Histórico / Oe4 Venezuela N3-49 y Espejo Open
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada S/N y Datiles Open
El Oro / Machala / Machala / Vicente Rocafuerte 10-34 y Guayas Open
Azuay / Cuenca / San Sebastian / Av. de las Americas S/N y del Tejar Open
Azuay / Santa Isabel / Santa Isabel (Chaguarurco) / 3 de Noviembre S/N y Simon Bolivar Open
Cañar / Biblian / Biblian / Mariscal Sucre 7-22 y Benjamin Ochoa Open
Morona Santiago / Sucua / Sucua / Eduardo Carvajal S/N y Carlos Olson Open
Carchi / Tulcan / Tulcan / 10 de Agosto S/N y Sucre Open
Carchi / Montufar / Gonzalez Suarez / Av. Coral S/N y Brasil Open
Loja / Loja / el Sagrario / Jose Antonio Eguiguren 12-45 y Bernardo Valdivieso Open
Azuay / Cuenca / Cañaribamba / Guapondelig S/N y Eloy Alfaro Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. la Prensa S/N y Pasaje Alao Open
Pichincha / Rumiñahui / Sangolqui / Olmedo 2-61 y Colombia Open
Cotopaxi / Latacunga / la Matriz / Padre Salcedo S/N Open
Imbabura / Ibarra / San Francisco / Colon 7-41 y Bolivar Open
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito S/N y Chorrera de Napa Open
Esmeraldas / Esmeraldas / 5 de Agosto / Av. Sucre M6 SL1 y Manuela Canizarez Open
Cañar / el Tambo / el Tambo / Panamericana Central S/N y Calle sin Nombre Open
Tungurahua / Ambato / San Francisco / Juan Leon Mera 6-24 y Entre Sucre y Bolivar Open
Azuay / Paute / Paute / Sucre S/N y Daniel Palacios Open
Guayas / Guayaquil / Sucre / Ayacucho 0501 y Esmeraldas Open
El Oro / Pasaje / Ochoa Leon (Matriz) / Sucre 6-29 y Ochoa Leon Open
Pichincha / Quito / Tumbaco / Av. Interoceanica Oe4 y Rodrigo Nuñez Open
Pastaza / Pastaza / Puyo / General Villamil S/N y Luciano Ortega Open
Napo / Tena / Tena / Gonzalo Diaz S/N y 15 de Noviembre Open
Guayas / Guayaquil / Tarqui / Autopista Guayaquil Salinas Open
Pichincha / Quito / la Magdalena / Rodrigo de Chavez y 5 de Junio Open
Azuay / Cuenca / Totoracocha / Av. Hurtado de Mendoza 14-47 y Entre Antisana y Saraurco Open
Azuay / Cuenca / Yanuncay / Felipe Ii S/N y Autopista Cuenca Azogues Open
Manabi / Manta / Manta / Av. Malecon S/N y Calle 16 Open
Azuay / Cuenca / el Sagrario / Simon Bolivar S/N y Antonio Borrero Open
Imbabura / Otavalo / Jordan / Sucre S/N y Quito Open
Pichincha / Quito / Quito Distrito Metropolitano / Gustavo Darquea S/N y Versalles Open
Chimborazo / Riobamba / Lizarzaburu / Av. Daniel Leon Borja S/N y Miguel Angel Leon Open
Guayas / Samborondon / la Puntilla (Satelite) / Manglero 84 Open
Tungurahua / Baños de Agua Santa / Baños de Agua Santa / Thomas Halflalts S/N y Entre Ambato y Oriente Open
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Jose de la Cuadra Open
Guayas / Guayaquil / Letamendi / Av. Francisco de Orellana Solar 3 y Calle Segunda y Calle Tercera Open
Santa Elena / la Libertad / la Libertad / Av. 9 de Octubre 303 y Av.cuarta Open
Pichincha / Cayambe / Cayambe / Ascazubi S2-06 y Junin Open
Tungurahua / Ambato / Celiano Monge / Av. Atahualpa S/N y Av. Victor Hugo Open
Cañar / Cañar / Cañar / Av. San Antonio 334 y Colon Open
Azuay / Cuenca / Sucre / Av. Daniel Cordova 2-67 y Av. Agustin Cueva Open
Azuay / Cuenca / San Blas / Tomas Ordóñez 11-98 y Gaspar Sangurima Open
Azuay / Cuenca / Monay / Av. González Suárez S/N y Ernesto Guevara Open
El Oro / Piñas / Piñas / Sucre 13-32 y Gonzalez Suarez Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. 10 de Agosto S-N y Rio Cofanes Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. Maldonado S-N y M. Carrion Open
Loja / Loja / San Sebastian / 18 de Noviembre S/N y Chile Open
Azuay / Giron / Giron / Garcia Moreno S/N y Simon Bolivar Open
Azuay / Cuenca / Machangara / Av. de las Americas S/N y Autopista Cuencaazogues Open
Azuay / Cuenca / San Sebastian / Av. Ordoñez Lazo S/N Open
Azuay / Cuenca / el Sagrario / Gran Colombia S/N y Luis Cordero Open
Azuay / Cuenca / el Vecino / Turuhuaico y Calle del Pasillo 1 Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. Amazonas 38-14 y Villalengua Open
Pichincha / Quito / la Magdalena / Av. Eje Long. Pedro Vicente Maldonado Oe1 121 Oe1-121 / LT 2341 y Calle Gil Martin Open
Pichincha / Quito / Cotocollao / Av. de la Prensa S/N y Av. Mariscal Sucre Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. Moran Valverde S/N y Av. Tnte. Hugo Ortiz Open
Imbabura / Cotacachi / Sagrario / 10 de Agosto 1064 y Pedro Moncayo Open
El Oro / Santa Rosa / Santa Rosa / Sucre S/N y el Oro Open
El Oro / Machala / Machala / Av. Inherhi MZ Lf3v y la Florida Open
El Oro / Machala / la Providencia / 25 de Junio S/N Open
Zamora Chinchipe / Zamora / Zamora / Sevilla de Oro S/N y Av. Heroes de Paquisha y Francisco de Orellana Open
Loja / Catamayo / Catamayo / Isidro Ayora S/N y 24 de Mayo Open
Santa Elena / la Libertad / la Libertad / Av. Séptima S/N y Calle 20 Open
Guayas / Guayaquil / Tarqui / Via a Daule S/N Open
Azuay / Cuenca / Totoracocha / Av. Hurtado de Mendoza 14-47 y Entre Antisana y Saraurco Open
Azuay / Sigsig / Sigsig / Calle Vega Muñoz S/N y Sucre Open
Orellana / Orellana / Puerto Francisco de Orellana (El Coca) / Quito S/N y Simón Bolívar Open
Azuay / Cuenca / Yanuncay / Av. de las Américas S/N y Francisco Trelles Open
Azuay / Cuenca / Yanuncay / Don Bosco 3-172 y Miguel de Cervantes Open
Imbabura / Ibarra / San Francisco / Av. Mariano Acosta S/N y Fray Vacas Galindo Open
El Oro / el Guabo / el Guabo / Av. Ejercito SN y Pasaje Esquina Open
Guayas / Milagro / Milagro / 5 de Junio S/N y 12 de Febrero Open
Azuay / Cuenca / Machangara / Challuabamba S/N Open
Pichincha / Quito / Cumbaya / Pasaje a S/N y Via Interoceanica Open
Loja / Loja / Valle / Orillas del Zamora S/N y Puna Esquina Open
Azuay / Cuenca / San Sebastian / Gran Colombia 1-90 y Av. Unidad Nacional Open
Azuay / Cuenca / Ricaurte / Antonio Ricaurte S/N y Juan Estrobel Open
Cañar / Azogues / Azogues / Av. Veinte y Cuatro de Mayo S/N y Av. Hermano Ignacio Neira Open
Guayas / Guayaquil / Tarqui / Av. de las Americas 0700 y Av. Benjamin Rosales Open
Pichincha / Quito / Calderon (Carapungo) / Panamericana Norte S/N y Av. Simon Bolivar Open
Azuay / Cuenca / Sucre / Av. Unidad Nacional SN y Manabi Open
Azuay / Cuenca / Tarqui / Panamericana Sur SN y Na Open
Manabi / Portoviejo / Portoviejo / Sucre S/N y Av. Ricaurte Open
Guayas / Guayaquil / Tarqui / Av. Juan Tanca Marengo S/N y Zafiro Open
Guayas / Guayaquil / Nueve de Octubre / Gral. Cordova 920 Closed
Azuay / Cuenca / Huaynacapac / Sangurima 4-65 y Plaza Rotary Closed
Azuay / Cuenca / Huaynacapac / Benigno Vazquez S-N y Antonio Ricaurte Closed
Carchi / Tulcan / Julio Andrade (Orejuela) / 13 de Abril S-N y Tarqui Closed
Azuay / Chordeleg / Chordeleg / 10 de Agosto 1452 y Bolivar Closed
Guayas / Guayaquil / Olmedo (San Alejo) / General Villamil 1-21 y Calderon Closed
Azuay / Cuenca / Huaynacapac / Gil Ramirez Davalos S-N y Elia Liut Closed
Pichincha / Quito / Quito Distrito Metropolitano / Panamericana Sur 10343 Closed
Guayas / Guayaquil / Rocafuerte / 6 de Marzo 9-02 y 10 de Agosto Closed
Guayas / Guayaquil / Ximena / Rosa Borja de Icaza 4-03 y Calle e Closed
Azuay / Cuenca / Cañaribamba / Max Uhle S/N y Pumapungo Closed
Manabi / Manta / Manta / Malecon 16 y sin Calle Secundaria Closed
Cañar / Deleg / Deleg / Bolivar S-N y 24 de Mayo Closed
Guayas / Guayaquil / Tarqui / Av. Isidro Ayora S/N y Av. Agustin Freire Closed
Cañar / Suscal / Suscal / Gonzalo Martinez S/N y Manuel Martinez Closed
Guayas / Guayaquil / Rocafuerte / Chile 207 y Luque Closed

Tax status according to the public records of the SRI (Servicio de Rentas Internas, the national tax authority). The risk designations are the SRI’s, not a rating by this site: phantom taxpayer means the SRI considers the company to have no real activity at its declared address, and nonexistent transactions means it invoiced operations the SRI determined never took place.

Where it operates

It has 102 open establishments across 20 provinces, plus 16 closed.

1 32

Provinces with a presence

Azuay head office 32 locations
Pichincha 16 locations
Guayas 12 locations
Cañar 8 locations
El Oro 7 locations
Loja 4 locations
Imbabura 4 locations
Tungurahua 3 locations

The eight with the most locations are listed; the map shows them all.

Establishments declared to the SRI (Servicio de Rentas Internas, the national tax authority), updated 2026-09-03. The location is the province and canton on record, not each site’s exact address.

How to read this profile

Source: the financial bulletin of the Superintendencia de Bancos, as of July 31, 2026. Assets are account 1 of the balance sheet; deposits, obligations with the public (account 21); loans, account 14 (net of provisions; the segment breakdown uses gross 14xx accounts). Indicators are the ones published by the supervisor itself, shown as is; the one comparing equity against immobilized assets is omitted when those assets turn negative and the quotient loses meaning. Balances change every month: this profile updates with each new bulletin.

The RUC matches the SRI's public RUC registry, which is also where the tax status and the establishments come from: they are the institution's fiscal record, distinct from its supervisor's bulletin, which is why they may not say the same. The registry does not publish the special regime, the reason for a suspension or the phantom-taxpayer and nonexistent-transaction designations: those fields are omitted rather than assumed.

Financial information from the public bulletins of Ecuador's superintendencies · where this data comes from