Private banks

Banco Guayaquil

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 Bank Watch Ratings / PCR Pacific Credit Rating, as published by the Superintendencia de Bancos.

RUC: 0990049459001

Assets: $10,736 M
Public deposits: $8,443 M
Loan book: $7,237 M
Period result: $95.3 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $7,237 M 67.4%
Investments $1,829 M 17.1%
Available funds $991.6 M 9.2%
Rest of the assets $677.6 M 6.3%

Where it comes from

Sight deposits $4,602 M 43.3%
Term deposits $3,601 M 33.8%
Financial obligations $924.4 M 8.7%
Own equity $852.1 M 8.0%
Other liabilities $660.7 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 $718.1 M against expenses of $622.8 M: that is where the headline result of $95.3 M comes from.

Who it lends to

Gross loans $7,487 M

Productive $3,699 M 49.4% Segment delinquency: 0.6%
Consumer $3,103 M 41.4% Segment delinquency: 3.6%
Microcredit $461.9 M 6.2% Segment delinquency: 9.0%
Real estate $221.4 M 3.0% Segment delinquency: 3.5%
Education $1.6 M 0.0% Segment delinquency: 7.2%
COVID-19 refinanced and restructured $172 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 49.4% 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, $7,487 M, differs from the net loan book in the header, $7,237 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 7.9% 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 21.4% 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 245.1% 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 2.4% 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 137.1% 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 91.0% 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) 18.8% 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) 1.6% 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 2.0% 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 61.9% 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 3.3% 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 1.3% 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 16.2% 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 91.3% 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 10.8% 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 $10,736 M, liabilities $9,788 M, equity $852.1 M) satisfies the bulletin's accounting identity: the period result, $95.3 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)

10.7

2003 2007 2011 2015 2019 2026

See the full series

2003: 1
2004: 1.1
2005: 1.4
2006: 1.7
2007: 2
2008: 2.2
2009: 2.4
2010: 2.7
2011: 3.2
2012: 3.3
2013: 3.5
2014: 4
2015: 3.6
2016: 3.9
2017: 4
2018: 4.3
2019: 5.1
2020: 5.8
2021: 6.4
2022: 6.9
2023: 7.4
2024: 8.7
2025: 9.7
2026: 10.7

Public deposits · year-end close (billions)

0.7

8.4

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.7
2004: 0.8
2005: 1
2006: 1.2
2007: 1.4
2008: 1.7
2009: 1.8
2010: 2.1
2011: 2.5
2012: 2.6
2013: 2.8
2014: 3.1
2015: 2.7
2016: 3
2017: 3.1
2018: 3.3
2019: 3.7
2020: 4.4
2021: 5
2022: 5.4
2023: 5.6
2024: 6.5
2025: 7.7
2026: 8.4

Loan book · year-end close (billions)

0.4

7.2

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.4
2004: 0.5
2005: 0.5
2006: 0.7
2007: 0.8
2008: 1.1
2009: 1.1
2010: 1.4
2011: 1.6
2012: 1.8
2013: 1.9
2014: 2.2
2015: 1.9
2016: 2
2017: 2.3
2018: 2.7
2019: 3.2
2020: 3.3
2021: 4
2022: 4.5
2023: 5
2024: 5.6
2025: 6.6
2026: 7.2

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

43 cantons · 3,825,912 accounts

Guayaquil Guayas $3,253 M
Quito Pichincha $2,650 M
Cuenca Azuay $707.6 M
Samborondon Guayas $241.4 M
Machala El Oro $134 M
Ambato Tungurahua $107.1 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Guayaquil holds public deposits in 43 cantons, spread across 3,825,912 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: December 22, 1923

Establishments · 216 registered, 109 open

HEAD OFFICE Guayas / Guayaquil / Rocafuerte / Pichincha 105-107 y Francisco de Paula Ycaza Open
Pichincha / Quito / Iñaquito / Santa Maria N26 E4-68 y E7 Reina Victoria Open
Tungurahua / Ambato / San Francisco / Mera 578 y Sucre Open
Los Rios / Babahoyo / DR. Camilo Ponce / 10 de Agosto S/N y Abdon Calderon Open
Guayas / Milagro / Milagro / Juan Montalvo 2964 y 9 de Octubre Open
Los Rios / Quevedo / Quevedo / Bolivar 219 y Calle Sexta y Calle Septima Open
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada 409 y Datiles Open
Guayas / Guayaquil / Ximena / Arguelles S/N y Oriente Open
Guayas / Guayaquil / Ximena / Av.9 de Octubre 1911 y Esmeraldas Open
Guayas / Guayaquil / Tarqui / Av. San Jorge S/N Open
Chimborazo / Alausi / Alausi / Av. 5 de Junio S/N y Ricaurte Open
Guayas / Playas / General Villamil (Playas) / Av. 15 de Agosto S/N y Av. Paquisha Open
El Oro / Machala / la Providencia / Rocafuerte S/N y Guayas Open
Chimborazo / Riobamba / Velasco / Primera Constituyente 2626 y Garcia Moreno Open
Cotopaxi / Latacunga / la Matriz / Av. General Maldonado 720 y Sanchez de Orellana Open
Guayas / Guayaquil / Tarqui / Av. Joaquin Orrantia S/N y Juan Tanca Marengo Open
Guayas / Guayaquil / Tarqui / Rodolfo Baquerizo Solar 7 y Av. 2 Ne Open
Santa Elena / la Libertad / la Libertad / 9 de Octubre 407 y Salomon Pinargote Open
Azuay / Cuenca / el Sagrario / Antonio Jose de Sucre S/N y Hermano Miguel Open
Guayas / Guayaquil / Roca / Aguirre 211 y Pichincha y Pedro Carbo Open
Cañar / Azogues / Azogues / Azuay 3-19 y Simon Bolivar y General Ayacucho Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. 6 de Diciembre S/N y Isaac Barreiro Open
Pichincha / Quito / Cotocollao / Av. de la Prensa S/N y Pedro Valverde Open
Guayas / Guayaquil / Olmedo (San Alejo) / Chile 1126 y Av. Olmedo y Ayacucho Open
Loja / Loja / el Sagrario / Jose Antonio Eguiguren S/N y Bernardo Valdiviezo Open
Guayas / Guayaquil / Febres Cordero / Portete 5521 y 29 Ava. y 30 Ava. Open
Guayas / Daule / Daule / Malecon S/N y Guayaquil y Colon Open
Manabi / Portoviejo / Portoviejo / Bolivar S/N y Ricaurte Open
Pichincha / Quito / Comité del Pueblo / Galo Plaza Lasso N69-24 y Avellaneda Open
Los Rios / Ventanas / Ventanas / Malecon 303 y Bolivar Open
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito S/N y Abrahan Calazacon Open
Guayas / el Triunfo / el Triunfo / Av. 8 de Abril 402 y Cuarta Open
Manabi / Sucre / Bahia de Caraquez / SN Open
Azuay / Cuenca / Cuenca / Av. España S/N y Chapeton Open
Sucumbios / Lago Agrio / Nueva Loja / Av. Quito S/N y 12 de Febrero Open
Esmeraldas / Esmeraldas / 5 de Agosto / Piedrahita Solar 3 y Bolivar - Sucre Open
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Open
Manabi / Manta / Manta / Malecon S/N y Av. 14 Open
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N y Carlos Luis Plaza Dañin Open
Pichincha / Quito / Cumbaya / Pasaje a S/N y Via Interoceanica Open
Guayas / Duran / Eloy Alfaro (Duran) / Nicolas Lapentti S/N y Maria Auxiliadora Open
Azuay / Cuenca / Yanuncay / Av. Felipe 11 y Circunvalacion Sur Open
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Av. Ernesto Alban Open
Guayas / Guayaquil / Tarqui / Av. Principal S/N Open
Imbabura / Ibarra / San Francisco / Av. Mariano Acosta 2147 y Victor Gomez Jurado Open
Guayas / Samborondon / Tarifa / Av. Principal Solar 2 Open
Tungurahua / Ambato / Huachi Chico / Victor Hugo SN y Atahualpa Open
Guayas / Guayaquil / Tarqui / Av. Posequipa S/N y Av. Perimetral Open
Santa Elena / la Libertad / la Libertad / Av. Principal S/N Open
Pichincha / Rumiñahui / San Rafael / Isla Santa Clara S/N y Av. General Rumiñahui Open
Azuay / Gualaceo / Gualaceo / Av. 3 de Noviembre 595 Open
Guayas / Guayaquil / Rocafuerte / Pichincha 108 y Victor Manuel Rendon Open
Pichincha / Quito / Cotocollao / Av. Mariscal Sucre S/N y John F. Kennedy Open
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N y Jose Mejia Lequeria Open
El Oro / Pasaje / Pasaje / Ochoa Leon S/N y 10 de Agosto Open
Cotopaxi / Salcedo / San Miguel / 24 de Mayo S/N y Ana Paredes Open
Pichincha / Quito / la Magdalena / Av. Maldonado S10 - 194 y Calvas Open
Guayas / Guayaquil / Tarqui / Av. Carlos Julio Arosemena S/N Open
Imbabura / Otavalo / Jordan / Av. Abdon Calderon S/N Open
Pichincha / Quito / Iñaquito / Av. Seis de Diciembre S/N y el Comercio Open
Santa Elena / Santa Elena / Santa Elena / Guayaquil 105 y 9 de Octubre - 10 de Agosto Open
Carchi / Tulcan / Tulcan / Diez de Agosto S/N y 11 Olmedo Open
Guayas / Guayaquil / Tarqui / Av. Bombero S/N Open
Bolivar / Guaranda / Angel Polibio Chavez / Sucre S/N y Garcia Moreno Open
El Oro / Santa Rosa / Santa Rosa / Sucre S/N y Guayas - 9 de Mayo Open
Guayas / Naranjito / Naranjito / 9D de Octubre S/N y Pichincha Open
Cañar / Cañar / Cañar / Av. Sucre S/N y Calle 5 de Junio Open
Santo Domingo de los Tsachilas / la Concordia / la Concordia / Simon Plata Torres S/N y 25 de Diciembre Open
Pichincha / Quito / Cumbaya / Av. Interoceanica Open
Guayas / Samborondon / la Puntilla (Satelite) / S/N Open
Cañar / la Troncal / la Troncal / Av. Alfondo Andrade S/N Open
Pichincha / Quito / Iñaquito / Av. Moran Valverde S/N y Av. Teniente Hugo Ortiz Open
Pichincha / Quito / Calderon (Carapungo) / Panamericana Norte S/N y Simon Bolivar Open
Pichincha / Quito / Centro Histórico / Garcia Moreno 1214 y Mejia Open
Azuay / Cuenca / Monay / Av. Gonzalez Suarez S/N y Av. Emiliano Zapata Open
Guayas / Guayaquil / Tarqui / Av. Francisco Orellana 104-105 y C.C. Mal del Rio Open
Chimborazo / Riobamba / Lizarzaburu / Av. la Prensa 22-15 y Av. Canonigo Ramos Open
Manabi / Chone / Chone / Pichincha S/N Open
Los Rios / Vinces / Vinces / Antonio Jose de Sucre S/N Open
Manabi / Jipijapa / Jipijapa / Simon Bolivar S/N Open
Pastaza / Pastaza / Puyo / 20 de Julio S/N y Cesloa Marin Open
Pichincha / Mejia / Machachi / Av. Amazonas O3 150 y Antonio Benitez Open
Guayas / Guayaquil / Tarqui / Felipe del Pezo S/N y Benjamin Carrion Open
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N Open
Manabi / Portoviejo / Andrés de Vera / Av. Jorge Washington S/N Open
Guayas / el Empalme / Velasco Ibarra (El Empalme) / Av. Guayaquil 311 y Av. Veinticinco de Junio Open
Tungurahua / San Pedro de Pelileo / Pelileo / Jorge Chacon S/N y Mejia - Quisquis Open
Los Rios / Babahoyo / DR. Camilo Ponce / S/N Open
Orellana / Orellana / Puerto Francisco de Orellana (El Coca) / Ave. Nueve de Octubre 31 y Bolivar Open
Guayas / Guayaquil / Tarqui / Ave. de las Americas S/N y Fco. Dueñas Open
Guayas / Guayaquil / Tarqui / S/N Open
Santa Elena / la Libertad / la Libertad / Nueve S/N y Av. Diez - Doce Open
Azuay / Cuenca / San Sebastian / Abelardo J. Andrade Open
Guayas / Duran / Eloy Alfaro (Duran) / SN Open
Guayas / Guayaquil / Tarqui / S/N Open
Pichincha / Quito / Iñaquito / Av. Republica S/N y Av. Amazonas Open
Guayas / Daule / la Aurora (Satélite) / Via Leon Febres Cordero S/N Open
Guayas / Guayaquil / Rocafuerte / Pedro Carbo 208 y Junin Open
Azuay / Cuenca / Huaynacapac / Av. Federico Malo 1-90 y Av. 12 de Abril - Tadeo Torres Open
Guayas / Samborondon / la Puntilla (Satelite) / SN Open
Manabi / Manta / Manta / 20 S/N y Av. Av. Maelcon - Av. 23 Open
Azuay / Cuenca / el Batan / Ave.remigio Crespo B-30 y Calle Santa Cruz Open
Guayas / Samborondon / la Puntilla (Satelite) / Lote C Cuatro Uno S/N Open
Guayas / Guayaquil / Tarqui / Av. Rodrigo Chavez Gonzalez Urbanizacion Urdesa y Urdenor Open
Guayas / Guayaquil / Pascuales / Av. Francisco de Orellana S/N Open
Guayas / Guayaquil / Ximena / Junin 0216 y Pedro Carbo Open
Pichincha / Quito / Kennedy / Av. 10 de Agosto E278 y Av Capitan Rafael Ramos Open
Guayas / Guayaquil / Tarqui / Calle Emilio Romero S/N y Av. Juan Tanca Marengo Open
Azuay / Cuenca / Yanuncay / Autopista Circunvalacion Sur 1Pa-03 y Camino a Turi Open
Guayas / Guayaquil / Rocafuerte / Sucre 108 y Malecon Closed
Pichincha / Quito / Iñaquito / Av. Amazonas S/N y Av. Naciones Unidas Closed
Tungurahua / Ambato / Matriz / Av. Cevallos 2226 y Unidad Nacional Closed
Pichincha / Quito / San Juan / Av. 10 de Agosto S/N Closed
Tungurahua / Ambato / San Francisco / Avenida Cevallos 1136 y Espejo Closed
Guayas / Guayaquil / Olmedo (San Alejo) / Malecon Simon Bolivar S/N y Colon Closed
Guayas / Guayaquil / Rocafuerte / Aguirre 917 y Lorenzo de Garaicoa Closed
Pichincha / Quito / Quito Distrito Metropolitano / Av. Maldonado S/N y Alamo Closed
Guayas / Guayaquil / Ximena / Puerto Maritimo S/N Closed
Chimborazo / Alausi / Alausi / Avenida 5 de Junio S/N y Ricaurte Closed
Manabi / Manta / Tarqui / Malecon S/N Closed
Pichincha / Quito / Mariscal Sucre / Av. 6 de Diciembre S/N y Robles Closed
Pichincha / Quito / Quito Distrito Metropolitano / Bolivar 333 y Venezuela Closed
Guayas / Guayaquil / Nueve de Octubre / Av. 9 de Octubre 1911 y los Rios y Esmeraldas Closed
Santa Elena / Salinas / Salinas / Av. Malecon 417 y la 21 Ava Closed
Guayas / Guayaquil / Tarqui / Av. Primera 101 y Primera Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Guayas / Guayaquil / Febres Cordero / Av. Don Francisco S/N y Primer Callejon 44 Ava. Closed
Guayas / Guayaquil / Tarqui / 25 Noroeste S/N Closed
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Closed
Santa Elena / la Libertad / la Libertad / Av. Francisco Solorzano 78-79 Closed
El Oro / Machala / Machala / Junin 1014 y 9 de Octubre Closed
Manabi / Portoviejo / Andrés de Vera / Jorge Washington 6-7 y Prolongacion Calle America Closed
Azuay / Cuenca / Huaynacapac / Remigio Crespo 2-35 y Juan Iñiguez Closed
Guayas / Samborondon / Tarifa / S/N Closed
Los Rios / Babahoyo / DR. Camilo Ponce / Av. Principal S/N Closed
Pichincha / Rumiñahui / San Rafael / Av. Chiriboga 255 Closed
Guayas / Coronel Marcelino Maridueña / Coronel Marcelino Maridueña (San Carlos) / Av. Principal S/N Closed
Santa Elena / la Libertad / la Libertad / 21 Ava. S/N y Av. 37 Ava. Closed
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Av. Pio Jaramillo Closed
Pichincha / Quito / San Juan / America S/N y Abelardo Moncayo Closed
Pichincha / Quito / Cotocollao / Av. Diego de Vasquez 76-144 y Mariscal Sucre Closed
Guayas / Milagro / Milagro / Av. 17 de Septiembre S/N y Padre Juan Espinoza Closed
Pichincha / Quito / San Juan / Av. 10 de Agosto Oe1-07 y Cuero y Caicedo Closed
Pichincha / Quito / la Magdalena / Maldonado 10-228 y Quimiag Closed
Pichincha / Quito / la Magdalena / Cañaris 59-571 y Mariscal Sucre Closed
Guayas / Guayaquil / Tarqui / Av. del Bombero S/N y Calle Primera Closed
Pichincha / Quito / la Concepción / Av. del Parque S/N Closed
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Closed
Guayas / Guayaquil / Tarqui / Av. Carlos Julio Arosemena S/N Closed
Guayas / Guayaquil / Tarqui / Av. Jhon Kennedy 300 y Francisco Arizaga 2Da. Oeste Closed
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N Closed
Guayas / Guayaquil / Ximena / Eloy Alfaro S/N y Francisco de Marcos Closed
Guayas / Guayaquil / Tarqui / Av. Carlos Julio Arosemena S/N Closed
Loja / Loja / Valle / Av. 8 de Diciembre S/N Closed
Guayas / Guayaquil / Tarqui / Av. Principal S/N Closed
Guayas / Milagro / Milagro / Av. los Chirijos Despensas S/N Closed
Guayas / Guayaquil / Tarqui / Av. Principal S/N Closed
Guayas / Guayaquil / Ximena / 105 Closed
Guayas / Duran / Eloy Alfaro (Duran) / Av. Principal S/N Closed
Guayas / Guayaquil / Tarqui / Av. Joaquin Orr5antia S/N y Juan Tanca Marengo Closed
Azuay / Cuenca / Monay / Av. Gonzalez Suares S/N y Carlos Monategui Closed
Azuay / Cuenca / San Sebastian / Av. de las Americas S/N y Paseo 3 de Noviembre Closed
Imbabura / Ibarra / San Francisco / Obispo Pasquel Monge SN y Av Mariano Acosta Closed
Guayas / Guayaquil / Tarqui / Av. Carlos Luis Plaza Dañin S/N y Av. Francisco de Orellana Closed
Guayas / Guayaquil / Posorja / Regidor Trejo S/N Closed
Guayas / Guayaquil / Tarqui / Av. de las Americas 406 Closed
Pichincha / Quito / la Concepción / Av. 6 de Diciembre S/N y Av. los Granados Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Manabi / Portoviejo / 12 de Marzo / Av. Manabi S/N y Grande Centeno Closed
Guayas / Guayaquil / Rocafuerte / Rocafuerte 732 y Mendiburu y Roca Closed
Santo Domingo de los Tsachilas / Santo Domingo / Zaracay / Av. Abraham Calazacon S/N Closed
Pichincha / Quito / Iñaquito / Av. Amazonas 3655 y J. Pablo Sanz Closed
Pichincha / Quito / Iñaquito / Av. Amazonas S/N y Av. Publica Closed
Esmeraldas / Esmeraldas / Esmeraldas / S/N Closed
Guayas / Guayaquil / Roca / Nueve de Octubre 820 y Rumichaca Closed
Pichincha / Quito / Iñaquito / Av. Amazonas 39185 y Av. Gaspar de Villaroel Closed
Pichincha / Quito / Iñaquito / Av el Inca E7-02 y Francisco Izazaga el Inca Closed
Pichincha / Rumiñahui / Sangolqui / Montufar S/N y Venezuela Closed
Guayas / Guayaquil / Febres Cordero / Portete 30 y Decima Quinta Closed
Manabi / Tosagua / Tosagua / Veinticuatro de Mayo 133 y Paez Closed
Guayas / Guayaquil / Tarqui / Av. Agustin Freire Ycaza S/N y Av. Trigesima Segunda Closed
Guayas / Milagro / Milagro / Presidente Estrada S/N y Av. 12 de Octubre Closed
El Oro / Machala / la Providencia / Av. 25 de Junio S/N y Via a Machala Closed
Guayas / Guayaquil / Tarqui / Av. Rodriguez Bonin Solar 19 Closed
Tungurahua / Ambato / Atocha - Ficoa / Rodrigo Pachano S/N y Serraniegas Closed
Carchi / Tulcan / Gonzalez Suarez / Ricardo del Hierro S/N y Av. Coral - Calderon Closed
Guayas / Guayaquil / Ayacucho / Letamendi 303 y Av. Chile Closed
Chimborazo / Colta / Juan de Velasco (Pangor) / Av. Antonio Jose de Sucre S/N Closed
Los Rios / Quevedo / Venus del Rio Quevedo / S/N Closed
Manabi / Manta / Manta / 4 de Noviembre 113 y Calle 113 Closed
Guayas / Guayaquil / Ximena / Av. Domingo Comin Solar 1 y Calle 50 Closed
Pichincha / Rumiñahui / San Rafael / Av. General Rumiñahui S/N Closed
Guayas / Guayaquil / Pascuales / Solar 1 Closed
Azuay / Cuenca / el Vecino / Av. España S-N y Elia Liut Closed
Esmeraldas / Quininde / Rosa Zarate (Quininde) / Av. Simon Plata Torres 511 y Nelson Valencia Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Guayas / Guayaquil / Tarqui / Montecristi S/N y Colimes Closed
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N y Guillermo Pareja Closed
Zamora Chinchipe / Yantzaza / Yanzatza / Av. Ivan Riofrio S/N y Primero de Diciembre Closed
Guayas / Balzar / Balzar / Avenida Daule 33 y Callejon Suroeste Closed
Los Rios / Buena Fe / San Jacinto de Buena Fe / Ave. Siete de Agosto 11 y Torobio Closed
Guayas / Daule / Emiliano Caicedo Marcos / Avenida Vicente Piedrahita S/N Closed
Chimborazo / Chunchi / Chunchi / General Cordova S/N y Capitan Ricaurte Closed
Imbabura / Cotacachi / San Francisco / 10 de Agosto 2 y Rocafuerte Closed
Cotopaxi / Latacunga / Eloy Alfaro (San Felipe) / Gatazo y Marco Aurelio S/N y Av. Eloy Alfaro Closed
Pichincha / Quito / Tababela / Conector de Alpachaca S/N Closed
Pichincha / Quito / Centro Histórico / Doce de Octubre 24-528 y Luis Cordero Closed
Pichincha / Quito / Iñaquito / Ave. Gonzalez Suarez N31-01 Closed
Azuay / Cuenca / Huaynacapac / Ave. Jose Peralta y Cornelio Merchan Closed
Pichincha / Quito / Chillogallo / Simon Guerra S/N y Jose Maria Aleman Closed
Azuay / Cuenca / el Sagrario / Presidente Borrero 8-20Y8-22 y Mariscal Sucre - Simon Bolivar Closed
Santa Elena / Santa Elena / Ballenita / S/N Closed
Pichincha / Quito / Quito Distrito Metropolitano / Av Republica SN y Naciones Unidas Closed
Guayas / Daule / los Lojas (Enrique Baquerizo Moreno) / SN Closed
Pichincha / Quito / Iñaquito / Av. Amazonas S/N y Jose de Villalengua - Union Closed
Guayas / Guayaquil / Tarqui / 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 109 open establishments across 20 provinces, plus 107 closed.

1 43

Provinces with a presence

Guayas head office 43 locations
Pichincha 16 locations
Azuay 9 locations
Manabi 7 locations
Los Rios 5 locations
Santa Elena 4 locations
Tungurahua 3 locations
Chimborazo 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 2026-09-04. 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