Private banks

Banco Citibank

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 as of December 2025, by Class International Rating, as published by the Superintendencia de Bancos.

RUC: 1790033295001

Assets: $737.5 M
Public deposits: $586.3 M
Loan book: $324.2 M
Period result: $12.8 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $324.2 M 44.0%
Investments $168.2 M 22.8%
Available funds $214.9 M 29.1%
Rest of the assets $30.2 M 4.1%

Where it comes from

Sight deposits $586.2 M 80.9%
Own equity $93.8 M 12.9%
Other liabilities $44.7 M 6.2%

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 $43.1 M against expenses of $30.3 M: that is where the headline result of $12.8 M comes from.

Who it lends to

Gross loans $342.4 M

Productive $342.4 M 100.0% Segment delinquency: 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 100.0% 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, $342.4 M, differs from the net loan book in the header, $324.2 M.

The official indicators

Computed by the Superintendencia de Bancos

This page does not compute these 14 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 11.6% 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 0.0% 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%

Loan book quality

Total loan delinquency 0.0% 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 1820860500.0% 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 86.0% 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) 20.1% 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) 2.7% 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 2.4% 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 60.5% 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 3.6% 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 1.2% 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 36.7% 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 58.4% 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 6.7% 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 $737.5 M, liabilities $630.9 M, equity $93.8 M) satisfies the bulletin's accounting identity: the period result, $12.8 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 (millions)

187

738

2003 2007 2011 2015 2019 2026

See the full series

2003: 187
2004: 201
2005: 232
2006: 244
2007: 245
2008: 315
2009: 293
2010: 420
2011: 433
2012: 524
2013: 548
2014: 614
2015: 491
2016: 576
2017: 643
2018: 757
2019: 635
2020: 616
2021: 630
2022: 701
2023: 768
2024: 744
2025: 805
2026: 738

Public deposits · year-end close (millions)

149

586

2003 2007 2011 2015 2019 2026

See the full series

2003: 149
2004: 151
2005: 178
2006: 206
2007: 200
2008: 271
2009: 241
2010: 340
2011: 345
2012: 431
2013: 438
2014: 494
2015: 373
2016: 462
2017: 517
2018: 627
2019: 510
2020: 469
2021: 510
2022: 589
2023: 629
2024: 591
2025: 647
2026: 586

Loan book · year-end close (millions)

39.9

355

324

2003 2007 2011 2015 2019 2026

See the full series

2003: 39.9
2004: 62.8
2005: 57.3
2006: 68
2007: 75.8
2008: 106
2009: 103
2010: 154
2011: 214
2012: 263
2013: 268
2014: 267
2015: 240
2016: 171
2017: 253
2018: 305
2019: 287
2020: 160
2021: 200
2022: 351
2023: 355
2024: 285
2025: 346
2026: 324

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

1 cantons · 552 accounts

Quito Pichincha $651.2 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Citibank holds public deposits in 1 cantons, spread across 552 accounts; above, the cantons where it holds the most.

Tax status (SRI)

updated September 4, 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: October 21, 1959

Establishments · 18 registered, 3 open

HEAD OFFICE Pichincha / Quito / Iñaquito / Av. Republica del Salvador N36-230 y Av. Naciones Unidas Open
Guayas / Guayaquil / Tarqui / Av Constitucion S/N y Juan Tancamarengo Open
Pichincha / Quito / Iñaquito / Republica del Salvador N36-230 y Av Naciones Unidas Open
Pichincha / Quito / Iñaquito / Av Amazonas 3623 y Juan Pablo Sanz Closed
Pichincha / Quito / Iñaquito / Av 6 de Diciembre 2520 y Av Orellana Closed
Pichincha / Quito / Iñaquito / Benalcazar 446 Closed
Pichincha / Quito / Iñaquito / Venezuela 1000 Closed
Pichincha / Quito / Solanda / Alonso de Angulo 115 Closed
Guayas / Guayaquil / Roca / Clemente Ballen 936 Closed
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada 425 y Ebanos Closed
Pichincha / Quito / Quito Distrito Metropolitano / Av Arosemena/los Ciruelos S/n00 Closed
Azuay / Cuenca / el Sagrario / Gran Colombia 745 y Luis Cordero y Antonio Borrero Closed
Tungurahua / Ambato / San Francisco / Sucre 1457 Closed
Azuay / Cuenca / el Sagrario / Sucre 720 y Presidente Barrero Closed
Tungurahua / Ambato / Atocha - Ficoa / Av de los Guaytambos 04-102 y Montalvo Closed
Manabi / Manta / Manta / Av Cuatro de Noviembre S/N y Ciento Catorce Closed
Guayas / Guayaquil / Tarqui / Av Miguel H.alcivar 506 Closed
Pichincha / Quito / Solanda / Av. Pedro Vicente Maldonado y Galpon 1 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 3 open establishments across 2 provinces, plus 15 closed.

1 2

Provinces with a presence

Pichincha head office 2 locations
Guayas 1 location

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