Private banks

Banco Internacional

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 PCR Pacific Credit Rating, as published by the Superintendencia de Bancos.

RUC: 1790098354001

Assets: $6,371 M
Public deposits: $5,255 M
Loan book: $4,424 M
Period result: $39.3 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $4,424 M 69.4%
Investments $879 M 13.8%
Available funds $746.1 M 11.7%
Rest of the assets $322.2 M 5.1%

Where it comes from

Sight deposits $2,812 M 44.4%
Term deposits $2,259 M 35.7%
Financial obligations $301 M 4.7%
Own equity $543.2 M 8.6%
Other liabilities $417.3 M 6.6%

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 $300.5 M against expenses of $261.1 M: that is where the headline result of $39.3 M comes from.

Who it lends to

Gross loans $4,613 M

Productive $3,763 M 81.6% Segment delinquency: 0.5%
Consumer $688.6 M 14.9% Segment delinquency: 7.8%
Real estate $153.1 M 3.3% Segment delinquency: 3.1%
Microcredit $7.7 M 0.2% Segment delinquency: 2.3%
COVID-19 refinanced and restructured $351 k 0.0%
Social and public housing $275 k 0.0% 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 81.6% 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, $4,613 M, differs from the net loan book in the header, $4,424 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 8.5% 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 14.0% 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 613.5% 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 1.6% 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 248.2% 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 93.4% 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) 12.2% 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 1.5% 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 2.2% 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 0.8% 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 18.8% 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 91.0% 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 8.4% 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 $6,371 M, liabilities $5,789 M, equity $543.2 M) satisfies the bulletin's accounting identity: the period result, $39.3 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

6.4

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.5
2004: 0.6
2005: 0.8
2006: 0.9
2007: 1
2008: 1.2
2009: 1.3
2010: 1.6
2011: 1.7
2012: 2.1
2013: 2.5
2014: 2.7
2015: 2.6
2016: 3.1
2017: 3.6
2018: 3.5
2019: 3.8
2020: 4
2021: 4.5
2022: 4.6
2023: 4.8
2024: 5.5
2025: 6
2026: 6.4

Public deposits · year-end close (billions)

0.4

5.3

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: 1.5
2012: 1.8
2013: 2.2
2014: 2.4
2015: 2.1
2016: 2.6
2017: 3
2018: 2.9
2019: 3.1
2020: 3.3
2021: 3.8
2022: 3.8
2023: 3.9
2024: 4.4
2025: 5
2026: 5.3

Loan book · year-end close (billions)

0.2

4.4

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.2
2004: 0.3
2005: 0.4
2006: 0.6
2007: 0.6
2008: 0.7
2009: 0.8
2010: 0.8
2011: 1
2012: 1.1
2013: 1.4
2014: 1.5
2015: 1.6
2016: 1.7
2017: 2.1
2018: 2.2
2019: 2.3
2020: 2.3
2021: 2.6
2022: 3
2023: 3.4
2024: 3.7
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

29 cantons · 1,253,279 accounts

Quito Pichincha $2,315 M
Guayaquil Guayas $1,297 M
Cuenca Azuay $338.6 M
Ambato Tungurahua $175.2 M
Samborondon Guayas $90.7 M
Riobamba Chimborazo $88.5 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Internacional holds public deposits in 29 cantons, spread across 1,253,279 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: September 19, 1973

Establishments · 99 registered, 68 open

HEAD OFFICE Pichincha / Quito / San Juan / Av. Patria E4-21 y 9 de Octubre Open
Chimborazo / Riobamba / Lizarzaburu / Av Daniel Leon Borja S/N y Jacinto Gonzalez Open
Guayas / Guayaquil / Rocafuerte / 9 de Octubre 117 y Malecon Simon Bolivar Open
Pichincha / Quito / San Juan / Santa Prisca S/N y Manuel Larrea Open
Pichincha / Quito / Iñaquito / Av Amazonas S/N y Corea Open
Pichincha / Quito / Iñaquito / la Nina E9-64 y Av 6 de Diciembre Open
Pichincha / Quito / Mariscal Sucre / Av. 12 de Octubre E1185 y Francisco Salazar Open
Guayas / Guayaquil / Tarqui / Av. Rodolfo Baquerizo 378 y Demetrio Aguilera Malta Open
Guayas / Guayaquil / Rocafuerte / 6 de Marzo 829 y Aguirre y Clemente Ballen Open
Sucumbios / Lago Agrio / Nueva Loja / 12 de Febrero S/N y Av. Quito Open
Pastaza / Pastaza / Puyo / General Villamil N13-220 y Francisco de Orellana Open
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av Quito S/N y Rio Blanco Open
Santo Domingo de los Tsachilas / la Concordia / la Concordia / Av. Simon Plaza Torres O-52 y Calle Quito Open
Los Rios / Quevedo / Quevedo / 7 de Octubre 336 y la Cuarta Open
Los Rios / Ventanas / Ventanas / Via Panamericana KM 1 SN y Alfonso Borja Open
Guayas / Guayaquil / Tarqui / Av. Victor Emilio Estrada 425 y Ebanos del Canton Guayaquil Open
Tungurahua / Ambato / Huachi Chico / Cesar Silva 01-34 y Atahualpa Open
Manabi / Manta / Manta / Av. Malecon 13 y Calle 13 Open
Santo Domingo de los Tsachilas / Santo Domingo / Abraham Calazacon / Av Abraham Calazacon N/a y Juan Jose Flores Open
Azuay / Cuenca / el Sagrario / Borrero 7-84 y Sucre Open
Los Rios / Babahoyo / Clemente Baquerizo / Gral Barona S/N y Rocafuerte Open
Orellana / Orellana / Puerto Francisco de Orellana (El Coca) / Cuenca S/N y 9 de Octubre Open
Pichincha / Quito / Cotocollao / Panamericana Norte S/N y Gonzalo Diez Open
Azuay / Cuenca / Totoracocha / Av. Espana 4-13 y Sebastian de Benalcazar Open
Guayas / Guayaquil / Tarqui / Av Francisco de Orellana S/N Open
Cañar / Azogues / Azogues / Bolivar 621 y 10 de Agosto Open
Guayas / Guayaquil / Olmedo (San Alejo) / Chile 805 y Colon Open
Azuay / Cuenca / Sucre / Av. Remigio Crespo Toral N5-182 y Remigio Romero Open
Sucumbios / Shushufindi / Shushufindi / Av Policia Nacional 01-16 Open
Pichincha / Rumiñahui / San Rafael / Av. Gral Enriquez S/N y Isla Genovesa Open
Pichincha / Quito / la Magdalena / Av Maldonado S28-40 y Ria Zabaleta y Borbon Open
Pichincha / Quito / Iñaquito / Av. Eloy Alfaro S/N y Av. Mariana de Jesus Open
Pichincha / Quito / Tumbaco / Interoceanica S/N Open
Pichincha / Rumiñahui / Sangolqui / Venezuela S/N y Montufar Open
Pichincha / Quito / Cumbaya / Interoceanica S/N Open
Imbabura / Otavalo / Jordan / Sucre S/N y Panamericana Norte Open
Imbabura / Ibarra / San Francisco / Pedro Moncayo 7-54 y Sanchez y Cifuentes Open
Pichincha / Cayambe / Cayambe / Bolivar 605 y Morales Open
Manabi / Portoviejo / 12 de Marzo / Av America SN y Pedro Zambrano Open
Tungurahua / Ambato / Ambato / Unidad Nacional 09-25 y Av 12 de Noviembre Open
Esmeraldas / Esmeraldas / Esmeraldas / Av. 10 de Agosto Lote 6 y Entre Bolivar y Sucre Open
Guayas / Samborondon / Samborondon / Malecón S/N y Gracía Moreno Open
Guayas / Guayaquil / Tarqui / Carlos Julio Arosemena SN Open
Pichincha / Quito / la Magdalena / Mariscal Sucre N2023 y Quitus Open
Pichincha / Quito / la Magdalena / Av Alonso de Angulo 10-22 y Francisco Gomez Open
Cotopaxi / Latacunga / la Matriz / Quijano y Ordoñez 4-151 y General Maldonado Open
Guayas / Guayaquil / Rocafuerte / Pichinhca 332 y Elizalde Open
Guayas / Duran / Eloy Alfaro (Durán) / Junto al Terminal Terrestre Duran Solar A4 y Autopista Duran Boliche Open
Pichincha / Quito / la Concepción / Av. Gaspar de Villarroel S/N y Londres Esquina Open
Guayas / Guayaquil / Febres Cordero / Portete 4415 y Calle Diecinueve Open
Pichincha / Quito / Iñaquito / Av. Mariana de Jesus Oe-84 Open
Guayas / Guayaquil / Tarqui / Via a Daule Parq 1 Open
Pichincha / Quito / Centro Histórico / Guayaquil 555 y Bolivar Open
Pichincha / Quito / Iñaquito / Av. de los Shyris S/N y Suecia Open
Guayas / Guayaquil / Guayaquil / Av. 25 de Julio 92 y Jose de la Cuadra y E. Alban Open
Guayas / Samborondon / Samborondon / Via Puntilla S/N Open
Loja / Loja / el Sagrario / Bolivar S/N y Azuay Open
El Oro / Machala / la Providencia / Av. 25 de Junio Solar 6 y SN Open
Guayas / Guayaquil / Tarqui / Av. el Bombero S/N Open
Pichincha / Quito / Cotocollao / Av. la Prensa S/N y Av. Kennedy Open
Pichincha / Quito / la Concepción / Av. 6 de Diciembre N51-64 y Isaac Barrera Open
Guayas / Guayaquil / Tarqui / Jose Joaquin de Orrantia S/N y Leopoldo Benitez Open
Guayas / Daule / los Lojas (Enrique Baquerizo Moreno) / Via la Aurora SN Open
Pichincha / Quito / San Juan / Av. Brasil N42134 y Mariano Echeverria Open
Pichincha / Quito / Chillogallo / Av. Mariscal Sucre S/N y Mana Open
Manabi / Manta / Tarqui / Cuatro de Noviembre SN y J6 Open
Pichincha / Quito / Calderon (Carapungo) / Capitan Giovanni Calles SN y la Concordia Open
Imbabura / Ibarra / San Francisco / Av Mariano Acosta 21-47 y Victor Gomez Jurado Open
Pichincha / Quito / Quito Distrito Metropolitano / Benalcazar Oe-6 y Sucre Closed
Pichincha / Quito / San Juan / Av 10 de Agosto N-2251 y Ramirez Davalos Closed
Pichincha / Quito / Chillogallo / Tnte Hugo Ortiz S/N y Mercado Mayorista Closed
Chimborazo / Riobamba / Lizarzaburu / Carabobo S/N y Colombia y Esmeraldas Closed
Guayas / el Empalme / Velasco Ibarra (El Empalme) / Av Guayaquil 300 y Amazonas Closed
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Ambato 716 y Portoviejo Closed
Imbabura / Otavalo / San Luis / Bolivar 486 y Garcia Moreno Closed
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada y Datile S/N y Datiles Closed
Guayas / Guayaquil / Nueve de Octubre / Nueve de Octubre 2002 y los Rios Closed
Guayas / Guayaquil / Tarqui / Av. 11 S/N Closed
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Puerto Maritimo Closed
Orellana / la Joya de los Sachas / la Joya de los Sachas / Av de los Fundadores S/N Closed
Pichincha / Quito / Pomasqui / Av Cordova Galarza S/N y el Vergel Closed
Los Rios / Buena Fe / Patricia Pilar / Principal S/N Closed
Los Rios / Quevedo / San Camilo / Av Guayaquil 401 y Eloy Velez Closed
Esmeraldas / Quininde / Rosa Zarate (Quininde) / Simon Plata Torres S/N y Nelson Valencia Closed
Manabi / Manta / Tarqui / Av. 107 217 y Calle Ciento Dos Closed
Manabi / Manta / los Esteros / 123 S/N y Av 103 Closed
Tungurahua / Ambato / Huachi Loreto / Av Bolivariana S/N y Isidro Viteri Closed
Los Rios / Montalvo / Montalvo / Av 27 de Mayo S/N y 10 de Agosto Closed
Guayas / Guayaquil / Febres Cordero / Portete S/N y Malecon del Salado Closed
Pichincha / Quito / la Concepción / Av de la Prensa S/N y Indanza Closed
Pichincha / Quito / Chillogallo / Mariscal Sucre S/N y Ajavi Closed
Chimborazo / Riobamba / Lizarzaburu / Daniel Leon Borja 4443 y Eplicachima Closed
Tungurahua / Ambato / Huachi Loreto / Avenida Atahualpa S/N y Julio Cesar Silva Closed
Guayas / Guayaquil / Tarqui / Av. Benjamin Rosales S/N y Av. de las Americas Closed
Pichincha / Quito / Iñaquito / Av. 6 de Diciembre 24 y Av. Gaspar de Villarroel Closed
Guayas / Guayaquil / Tarqui / Av. Benjamin Carrion 51 y Av. de las Americas Closed
Pichincha / Quito / Mariscal Sucre / Av. 12 de Octubre E1185 y Francisco Salazar Closed
Pichincha / Quito / Cumbaya / Via Interoceanica y Pasaje a Closed
Pichincha / Quito / Iñaquito / Av. Francisco de Orellana S/N y Av. 6 de Diciembre 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 68 open establishments across 17 provinces, plus 31 closed.

1 24

Provinces with a presence

Pichincha head office 24 locations
Guayas 17 locations
Los Rios 3 locations
Manabi 3 locations
Santo Domingo de los Tsachilas 3 locations
Imbabura 3 locations
Azuay 3 locations
Tungurahua 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 2026-09-03. 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