Skip to content
Encuentra Ecuador Search

Private banks

Banco Bolivariano

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: AAA/AAA- as of December 2025, by PCR Pacific Credit Rating / Bank Watch Ratings, as published by the Superintendencia de Bancos.

RUC
0990379017001
Assets
$6,566 M
Public deposits
$4,947 M
Loan book
$4,379 M
Period result
$41.3 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

  • Loan book $4,379 M 66.7%
  • Investments $1,265 M 19.3%
  • Available funds $507.7 M 7.7%
  • Rest of the assets $414.1 M 6.3%

Where it comes from

  • Sight deposits $2,612 M 40.1%
  • Term deposits $2,119 M 32.5%
  • Financial obligations $432.5 M 6.6%
  • Own equity $589.3 M 9.0%
  • Other liabilities $771.1 M 11.8%

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 $320.8 M against expenses of $279.4 M: that is where the headline result of $41.3 M comes from.

Who it lends to

Gross loans $4,472 M

  • Productive $3,151 M 70.5% Segment delinquency: 0.3%
  • Consumer $1,125 M 25.2% Segment delinquency: 4.4%
  • Real estate $191.3 M 4.3% Segment delinquency: 1.2%
  • Education $2.3 M 0.0% Segment delinquency: 2.2%
  • Microcredit $2.2 M 0.0% Segment delinquency: 1.8%
  • COVID-19 refinanced and restructured $365 k 0.0%

Credit is not one thing: the bulletin breaks it down by segment, each with its risk and its price. Here the productive segment dominates, with 70.5% 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, $4,472 M, differs from the net loan book in the header, $4,379 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 8.9% 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 10.5% 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 334.5% 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 1.4% 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 149.6% 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 92.7% 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) 11.9% 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) 1.1% 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 1.6% 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 62.9% 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 2.7% 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 14.2% 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 94.5% 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 9.0% 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 $6,566 M, liabilities $5,935 M, equity $589.3 M) satisfies the bulletin's accounting identity: the period result, $41.3 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)
0.5
6.6
2003 2007 2011 2015 2019 2026
See the full series
2003
0.5
2004
0.6
2005
0.8
2006
0.9
2007
1.1
2008
1.3
2009
1.4
2010
1.7
2011
1.9
2012
2.2
2013
2.5
2014
2.8
2015
2.6
2016
2.9
2017
3.1
2018
3.3
2019
3.6
2020
4
2021
4.5
2022
4.6
2023
4.9
2024
5.4
2025
6.2
2026
6.6
Public deposits · year-end close (billions)
0.4
4.9
2003 2007 2011 2015 2019 2026
See the full series
2003
0.4
2004
0.5
2005
0.7
2006
0.7
2007
0.9
2008
1.1
2009
1.1
2010
1.4
2011
1.6
2012
1.9
2013
2.2
2014
2.4
2015
2.2
2016
2.5
2017
2.6
2018
2.7
2019
2.9
2020
3.3
2021
3.6
2022
3.6
2023
3.8
2024
4.1
2025
4.7
2026
4.9
Loan book · year-end close (billions)
0.3
4.4
2003 2007 2011 2015 2019 2026
See the full series
2003
0.3
2004
0.3
2005
0.4
2006
0.5
2007
0.5
2008
0.7
2009
0.7
2010
0.8
2011
1
2012
1.1
2013
1.2
2014
1.4
2015
1.3
2016
1.4
2017
1.6
2018
1.9
2019
2.1
2020
2.2
2021
2.6
2022
2.9
2023
3.2
2024
3.5
2025
4.1
2026
4.4

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

24 cantons · 829,306 accounts

  • Guayaquil Guayas $2,691 M
  • Quito Pichincha $864 M
  • Cuenca Azuay $381 M
  • Samborondon Guayas $340.6 M
  • Machala El Oro $81.2 M
  • Ambato Tungurahua $80.7 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Bolivariano holds public deposits in 24 cantons, spread across 829,306 accounts; above, the cantons where it holds the most.

Tax status (SRI)

updated September 4, 2026
RUC status: Active
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
April 19, 1979

Establishments · 120 registered, 82 open

  • HEAD OFFICE Guayas / Guayaquil / Carbo (Concepcion) / Junin 200 y Panama Open
  • El Oro / Machala / la Providencia / 131D-40 Open
  • Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito S/N y Chorrera del Napa Open
  • Los Rios / Quevedo / Quevedo / Av. Bolivar S/N y Calle Quinta Open
  • Pichincha / Quito / Iñaquito / Av. Naciones Unidas E-6-99 y Shirys y Japon Open
  • Azuay / Cuenca / Huaynacapac / Av. Florencia Astudillo S/N y Alfonso Cordero Open
  • Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N y Agustin Freire Open
  • Guayas / Guayaquil / Tarqui / Victor Emilio Estrada 203 y Circunvalacion Open
  • Guayas / Guayaquil / Sucre / 6 de Marzo 836 y Clemente Ballen Open
  • Guayas / Guayaquil / Ximena / Chimborazo 3310 y Azuay Open
  • Guayas / Guayaquil / Tarqui / Av. de las Americas 305 Open
  • Guayas / Guayaquil / Ximena / Puerto Maritimo S/N Open
  • Guayas / Samborondon / la Puntilla (Satelite) / Lote 85 Open
  • Guayas / Guayaquil / Tarqui / S/N Open
  • Guayas / Guayaquil / Tarqui / Democracia S/N y Roberto Gilbert Open
  • Guayas / el Empalme / Velasco Ibarra (El Empalme) / Av. Guayaquil 114 Open
  • Santa Elena / la Libertad / la Libertad / 9 de Octubre S/N y Cuarta y Salomon Pinargote Open
  • Azuay / Cuenca / el Sagrario / Antonio Borrero 824 y Sucre y Bolivar Open
  • Santo Domingo de los Tsachilas / la Concordia / la Concordia / Av. Simon Plata Torres S/N Open
  • Los Rios / Buena Fe / San Jacinto de Buena Fe / Av. 7 de Agosto S/N Open
  • Manabi / el Carmen / el Carmen / 4 de Diciembre S/N y Av. Chone y Eloy Alfaro Open
  • Pichincha / Quito / la Concepción / Av. Galo Plaza Lasso N47-67 y N47d Sanchez Melo Open
  • Cañar / Azogues / Azogues / Bolivar S/N y Serrano Open
  • Pichincha / Quito / Mariscal Sucre / Av.orellana E4-430 y Av. Amazonas Open
  • Cañar / la Troncal / la Troncal / Av. 25 de Agosto 1359 y Av. Primero de Mayo Open
  • Manabi / Manta / Manta / Av. Malecon Jaime Chavez S/N y Calle 14 Ava Open
  • Manabi / Portoviejo / 18 de Octubre / Avenida Manabi S/N y Tennis Club - Calle Nueva Open
  • Guayas / Guayaquil / Ximena / Domingo Comin S/N y Av. Diagonal las Palmas Open
  • Guayas / Guayaquil / Carbo (Concepcion) / Junin 203 y Panama Open
  • Tungurahua / Ambato / Matriz / Mera S/N y Entre Sucre y Bolivar Open
  • Guayas / Guayaquil / Tarqui / Av. las Monjas S/N y Circunvalacion Sur Open
  • Guayas / Guayaquil / Nueve de Octubre / 9 de Octubre 2103 y Tulcan Open
  • Loja / Loja / Loja / Bolivar S/N y 10 de Agosto y J. A. Eguiguren Open
  • Guayas / Guayaquil / Tarqui / Av. Primera S/N y Decima y Av. San Jorge Open
  • Guayas / Milagro / Milagro / Juan Montalvo 929-931 y Eloy Alfaro y 12 de Febrero Open
  • Pichincha / Rumiñahui / San Rafael / Isal Santa Clara S/N y Av. General Rumiñahui Open
  • Guayas / Guayaquil / Tarqui / S/N Open
  • Guayas / Guayaquil / Tarqui / Francisco de Orellana S/N y Carlos Luis Plaza Dañin Open
  • Pichincha / Quito / la Magdalena / Av. Pedro Vicente S/N Open
  • Guayas / Guayaquil / Tarqui / Av. del Bombero S/N y Na Open
  • Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N Open
  • Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Jose de la Cuadra Open
  • Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N y Guillermo Pareja Rolando Open
  • Los Rios / Babahoyo / DR. Camilo Ponce / Olmedo S/N y 5 de Junio Open
  • Tungurahua / Ambato / Huachi Chico / Av. Manuela Saenz S/N y Pio Baroja Open
  • Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Open
  • Santa Elena / Santa Elena / Santa Elena / Guido Chiriboga Parra S/N Open
  • Guayas / Guayaquil / Tarqui / Rodolfo Baquerizo 34-35 Open
  • Guayas / Guayaquil / Tarqui / Av. Benjamin Rosales S/N y Av. de las Americas Open
  • Guayas / Duran / Eloy Alfaro (Duran) / S/N Open
  • Azuay / Cuenca / Sucre / Remigio Crespo Toral S/N y Esmeraldas Open
  • Pichincha / Quito / la Concepción / Av. Quitumbe S/N y Av. Rafael Moran Valverde Open
  • Guayas / Duran / Eloy Alfaro (Durán) / Tambo Solar 10A y Via Duran Open
  • Guayas / Guayaquil / Tarqui / Av. Joaquin Orrantia Gonzalez S/N y Juan Tanca Marengo Open
  • Guayas / Guayaquil / Tarqui / Av. Jose Rodriguez Bonin S/N y Calle 26A Open
  • Guayas / Guayaquil / Pascuales / Av. Francisco de Orellana S/N Open
  • Pichincha / Quito / Cumbaya / Pasaje a S/N y Via Interoceanica Open
  • Guayas / Playas / General Villamil (Playas) / S/N Open
  • Guayas / Guayaquil / Tarqui / 275 Open
  • Pichincha / Quito / Quito Distrito Metropolitano / Lizardo Garcia E10-80 y Av. 12 de Octubre Open
  • Guayas / Guayaquil / Tarqui / Av. Carlos Julio Arosemena S/N Open
  • Guayas / Samborondon / Samborondon / Open
  • Pichincha / Quito / Iñaquito / Ave. Brasil N40-38 y Francisco Caicedo Open
  • Guayas / Guayaquil / Pascuales / Open
  • Imbabura / Cotacachi / Sagrario / Panamericana Norte KM 6 y Entre Otavalo e Ibarra Open
  • Pichincha / Quito / Calderon (Carapungo) / Open
  • Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Open
  • Guayas / Guayaquil / Pascuales / Av 39 S/N y Calle 27 Ava Open
  • Guayas / Guayaquil / Tarqui / Ave. del Bombero S/N Open
  • Pichincha / Quito / Quito Distrito Metropolitano / Av. 6 de Diciembre S/N y Portugal Open
  • Guayas / Daule / los Lojas (Enrique Baquerizo Moreno) / S/N Open
  • El Oro / Machala / Machala / Av. Bolivar SN y Juan Montalvo Open
  • Pichincha / Quito / Calderon (Carapungo) / Av Galo Plaza Lasso SN y Av Simon Bolivar Open
  • Pichincha / Quito / Ponceano / Av la Prensa SN Locales 133 y 134 y Av Kennedy Open
  • Guayas / Guayaquil / Tarqui / Km10 Via Daule MZ 0003 Sol 35 y Calle Mirtos y Casuarina Open
  • Guayas / Guayaquil / Carbo (Concepcion) / Junin 208 y Pedro Carbo Open
  • Guayas / Guayaquil / Ximena / Junin 208 y Pedro Carbo Open
  • Guayas / Guayaquil / Carbo (Concepcion) / Junin 116 y Panama Open
  • Guayas / Samborondon / la Puntilla (Satelite) / KM 1.5 Via Samborondon 1156 y Av. Rio Tintos Open
  • Guayas / Samborondon / Samborondon / KM 14.5 Via Samborondon Lote 4 y Via Samborondon Open
  • Guayas / Guayaquil / Carbo (Concepcion) / Junin 105 y Malecon Simon Bolivar Open
  • Azuay / Cuenca / Yanuncay / Autopista Circunvalacion Sur SN y Camino a Turi Open
  • Guayas / Guayaquil / Olmedo (San Alejo) / Eloy Alfaro 305 y Cuenca Closed
  • Guayas / Duran / Eloy Alfaro (Duran) / Av. Nicolas Lapentty S/N y Av. Jaime Nebot Closed
  • Los Rios / Ventanas / Ventanas / Velasco Ibarra 207 y 10 de Agosto Closed
  • Cotopaxi / la Mana / la Mana / Av. 19 de Mayo 493 y Eloy Alfaro Closed
  • Guayas / Guayaquil / Tarqui / Av. San Jorge S/N y Novena Oeste Closed
  • Guayas / Guayaquil / Tarqui / Marcel Laniado de Wind S/N y Av. Posequipa Closed
  • Pichincha / Quito / la Magdalena / Pedro Vicente Maldonado 5119 y Pujili Closed
  • Manabi / Manta / Tarqui / Av. 109 S/N Closed
  • Pichincha / Quito / San Juan / Av. Rio Amazonas 748 y Veintimilla Closed
  • Azuay / Cuenca / Cuenca / Sucre 1044 y General Torres Closed
  • Azuay / Cuenca / Tarqui / Panamericana Norte S/N y Octavio Chacon Closed
  • Guayas / Guayaquil / Tarqui / Benjamin Carrion S/N Closed
  • Esmeraldas / Esmeraldas / Esmeraldas / Bolivar 308 y Mejia y Manuela Cañizarez Closed
  • Guayas / Guayaquil / Ximena / Solar 6-10 Closed
  • Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Jose Vicente Trujillo Closed
  • Guayas / Guayaquil / Tarqui / Av. 9 de Octubre S/N y Tulcan y Quisquis Closed
  • Pichincha / Quito / Tumbaco / Via Interoceanica S/N Closed
  • Azuay / Cuenca / Totoracocha / Av. Hurtado de Mendoza 1180 Closed
  • Guayas / Guayaquil / Tarqui / Av. Juan Tanca Marengo S/N y Calle Publica Closed
  • Loja / Loja / Valle / Av. Orillas del Zamora S/N y Guayaquil Closed
  • Cañar / Cañar / Cañar / Av. 24 de Mayo S/N y Carrera Cuenca -3 de Noviembre Closed
  • Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito S/N Closed
  • Imbabura / Ibarra / San Francisco / Mariano Acosta 2147 y Victor Hugo Gomez Jurado Closed
  • Guayas / Guayaquil / Ximena / Raul Clemente Huerta S/N y Abdon Calderon Muñoz Closed
  • Pichincha / Quito / Cotocollao / Av. de la Prensa S/N y Av. Kennedy Closed
  • Guayas / Guayaquil / Rocafuerte / Aguirre 411 Closed
  • Pichincha / Quito / Centro Histórico / Garcia Moreno y Mejia Closed
  • Pichincha / Quito / Calderon (Carapungo) / Carapungo 3066 y Jose Miguel Guarderas Closed
  • Pichincha / Quito / la Magdalena / Antonio Jose de Sucre S9-359 y Caranqui Closed
  • Guayas / Guayaquil / Tarqui / Av de las Americas Solar 6 Closed
  • Guayas / Samborondon / Samborondon / S/N Closed
  • Guayas / Guayaquil / Ximena / Av. Domingo Comin 511 Closed
  • Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Closed
  • Guayas / Guayaquil / Tarqui / Avenida de las Americas Solar 1 Closed
  • Guayas / Samborondon / Tarifa / S/n. Closed
  • Guayas / Guayaquil / Tarqui / Solar 8 Closed
  • Guayas / Guayaquil / Tarqui / SN SN y SN Closed
  • Guayas / Guayaquil / Tarqui / Guillermo Cubillo 102 y Av. Juan Tanca Marengo 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 82 open establishments across 12 provinces, plus 38 closed.

Azuay: 4 companies Bolívar: no data Carchi: no data Cañar: 2 companies Chimborazo: no data Cotopaxi: 0 companies El Oro: 2 companies Esmeraldas: 0 companies Galápagos: no data Guayas: 46 companies Imbabura: 1 companies Loja: 1 companies Los Ríos: 3 companies Manabí: 3 companies Morona Santiago: no data Napo: no data Orellana: no data Pastaza: no data Pichincha: 13 companies Santa Elena: 2 companies Santo Domingo de los Tsáchilas: 3 companies Sucumbíos: no data Tungurahua: 2 companies Zamora Chinchipe: no data Galápagos

Azuay: 4 companiesBolívar: no dataCarchi: no dataCañar: 2 companiesChimborazo: no dataCotopaxi: 0 companiesEl Oro: 2 companiesEsmeraldas: 0 companiesGalápagos: no dataGuayas: 46 companiesImbabura: 1 companiesLoja: 1 companiesLos Ríos: 3 companiesManabí: 3 companiesMorona Santiago: no dataNapo: no dataOrellana: no dataPastaza: no dataPichincha: 13 companiesSanta Elena: 2 companiesSanto Domingo de los Tsáchilas: 3 companiesSucumbíos: no dataTungurahua: 2 companiesZamora Chinchipe: no data Point at or tap a province to see its figure

1 46

Provinces with a presence

  • Guayas head office 46 locations
  • Pichincha 13 locations
  • Azuay 4 locations
  • Santo Domingo de los Tsachilas 3 locations
  • Los Rios 3 locations
  • Manabi 3 locations
  • Cañar 2 locations
  • El Oro 2 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 2026-09-04. 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