Private banks

Banco Pacifico

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 Bank Watch Ratings, as published by the Superintendencia de Bancos.

RUC: 0990005737001

Assets: $10,941 M
Public deposits: $7,334 M
Loan book: $6,504 M
Period result: $141.9 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $6,504 M 59.4%
Investments $2,791 M 25.5%
Available funds $936 M 8.6%
Rest of the assets $709.9 M 6.5%

Where it comes from

Sight deposits $3,211 M 29.7%
Term deposits $3,596 M 33.3%
Financial obligations $1,938 M 18.0%
Own equity $1,117 M 10.3%
Other liabilities $936.5 M 8.7%

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 $724.4 M against expenses of $582.5 M: that is where the headline result of $141.9 M comes from.

Who it lends to

Gross loans $6,880 M

Consumer $3,493 M 50.8% Segment delinquency: 4.1%
Productive $2,679 M 38.9% Segment delinquency: 0.9%
Real estate $542.3 M 7.9% Segment delinquency: 2.9%
Education $99.9 M 1.4% Segment delinquency: 2.6%
Microcredit $24.6 M 0.4% Segment delinquency: 7.4%
Social and public housing $24.5 M 0.4% Segment delinquency: 2.9%
COVID-19 refinanced and restructured $16.2 M 0.2%

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 50.8% 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, $6,880 M, differs from the net loan book in the header, $6,504 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 10.1% 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 16.8% 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 374.6% 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 2.7% 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 200.3% 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 92.0% 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) 21.8% 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) 2.4% 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 1.8% 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 61.1% 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 1.0% 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 19.5% 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 101.1% 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 11.1% 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 $10,941 M, liabilities $9,682 M, equity $1,117 M) satisfies the bulletin's accounting identity: the period result, $141.9 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)

0.7

10.9

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.7
2004: 0.9
2005: 1.1
2006: 1.3
2007: 1.5
2008: 1.7
2009: 1.9
2010: 2.3
2011: 2.8
2012: 3.3
2013: 3.9
2014: 4.3
2015: 4.3
2016: 5.5
2017: 5.5
2018: 5.5
2019: 6.1
2020: 7
2021: 7
2022: 7
2023: 7
2024: 8.7
2025: 9.9
2026: 10.9

Public deposits · year-end close (billions)

0.4

7.3

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.4
2004: 0.6
2005: 0.8
2006: 1
2007: 1.1
2008: 1.4
2009: 1.5
2010: 1.9
2011: 2.3
2012: 2.7
2013: 3.2
2014: 3.3
2015: 3.1
2016: 4.2
2017: 4.2
2018: 4
2019: 4.5
2020: 5.2
2021: 5.5
2022: 5.3
2023: 5.5
2024: 6.8
2025: 7.8
2026: 7.3

Loan book · year-end close (billions)

0.2

6.5

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: 0.8
2009: 0.7
2010: 1.1
2011: 1.4
2012: 1.7
2013: 1.9
2014: 2.2
2015: 2.6
2016: 2.7
2017: 3.3
2018: 3.7
2019: 4.1
2020: 4.1
2021: 4
2022: 4.1
2023: 4.5
2024: 5.1
2025: 6.1
2026: 6.5

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

27 cantons · 1,941,263 accounts

Quito Pichincha $2,764 M
Guayaquil Guayas $2,712 M
Cuenca Azuay $400.5 M
Ambato Tungurahua $178 M
Manta Manabi $171.8 M
Machala El Oro $139.5 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Banco Pacifico holds public deposits in 27 cantons, spread across 1,941,263 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: January 19, 1972

Establishments · 201 registered, 125 open

HEAD OFFICE Guayas / Guayaquil / Carbo (Concepcion) / Francisco de Paula Icaza 200 y Calle Pichincha Open
Pichincha / Quito / San Juan / Avenida Amazonas 720 y Veintimilla Open
Tungurahua / Ambato / San Francisco / Avenida Cevallos 02-119 y Unidad Nacional Open
El Oro / Machala / Machala / Guayas 2118 y Bolivar Open
Azuay / Cuenca / San Sebastian / Gran Colombia 23-120 y Eduardo Muñoz Open
Guayas / Guayaquil / Tarqui / Avenida Carlos Julio Arosemena S/N Open
Guayas / Guayaquil / Tarqui / Avenida Guillermo Pareja S/N Open
Guayas / Milagro / Milagro / Juan Montalvo 721 y Rocafuerte Open
Guayas / Guayaquil / Tarqui / Av. San Jorge 1001 Open
Guayas / Guayaquil / Ximena / Avenida 25 de Junio S/N Open
Guayas / Guayaquil / Carbo (Concepcion) / Clemente Ballen 410 y Chile Open
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada 510 y Avenida las Monjas Open
Pichincha / Quito / la Concepción / Avenida la Prensa 62-55 y Rigoberto Heredia Open
Pichincha / Quito / Rumipamba / Alonso Torres S/N y Carvajal Open
Tungurahua / Baños de Agua Santa / Baños de Agua Santa / Thomas Halflants S/N y Rocafuerte Open
El Oro / Pasaje / Ochoa Leon (Matriz) / Avenida 9 de Octubre S/N y Rocafuerte Open
Manabi / Manta / Manta / Avenida Segunda 101 y Calle 13 Open
Pichincha / Quito / Iñaquito / Avenida Naciones Unidas E7-95 y Shyris Open
Guayas / Guayaquil / Nueve de Octubre / Avenida 9 de Octubre 1701 y Avenida del Ejercito Open
Galapagos / Santa Cruz / Puerto Ayora / Avenida Charles Darwin S/N Open
Pichincha / Quito / Cotocollao / Avenida 10 de Agosto N-57-125 y Nicolas de Arteta Open
Pichincha / Quito / San Juan / Av. 12 de Octubre S/N y Av. la Coruña Open
Santa Elena / Salinas / Salinas / Av. Malecon S-13 S/N y Calle 21Ava Open
Imbabura / Ibarra / San Francisco / Pedro Moncayo S/N y Jose Joaquin Olmedo Open
Manabi / Portoviejo / 12 de Marzo / America 101 y Avenida Manabi Open
Chimborazo / Riobamba / Lizarzaburu / Jacinto Gonzalez S/N y Av. Daniel Leon B Open
Pichincha / Quito / la Concepción / Avenida el Inca E8-178 y las Brevas Open
Pichincha / Quito / Iñaquito / Avenida Republica S/N y Eloy Alfaro Open
Guayas / Guayaquil / Rocafuerte / Aguirre 728 y Boyaca Open
Pichincha / Quito / Centro Histórico / Guayaquil 1028 y Chile Open
Pichincha / Rumiñahui / San Rafael / Av. Ilalo S/N y Av. General Rumiñahui Open
Santa Elena / la Libertad / la Libertad / Salomon Pinargote 201 y Av. 9 de Octubre Open
Imbabura / Otavalo / San Luis / Bolivar 4-86 y Garcia Moreno Open
Cañar / la Troncal / la Troncal / Av. Alfonso Andrade 933 y 25 de Agosto Open
Guayas / Samborondon / Samborondon / Via Samborondon S/N y Av. Rio Esmeraldas Open
Cañar / Azogues / Azogues / Bolivar S/N y 10 de Agosto Open
Galapagos / San Cristobal / Puerto Baquerizo Moreno / Av. Charles Darwin S/N y Esañola Open
Guayas / Coronel Marcelino Maridueña / Coronel Marcelino Maridueña (San Carlos) / Marcelino Maridueña S/N y Plazoleta Bancaria Open
Guayas / Guayaquil / Ximena / Chile 3501 y el Oro 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 - Ern. Alban Open
Guayas / Guayaquil / Tarqui / Av. Carlos Julio Arosemena Solar 2 Open
Guayas / Guayaquil / Tarqui / Av. del Bombero S/N Open
Guayas / Guayaquil / Tarqui / Av. Constitucion S/N y Av. Juan Tanca Marengo Open
Los Rios / Quevedo / Quevedo / Av. 7 de Octubre S/N y Calles Cuarta y Tercera Open
Guayas / Guayaquil / Ximena / Na S/N y Na Open
Pichincha / Quito / Cotocollao / Av. la Prensa S/N y Av. Kennedy Open
Tungurahua / Ambato / Matriz / Bolivar 1758 y Montalvo Open
Chimborazo / Colta / Juan de Velasco (Pangor) / Av. Antonio Jose de Sucre S/N Open
Azuay / Cuenca / el Sagrario / Presidente Cordova 7-56 y Luis Cordero Open
Azuay / Cuenca / San Blas / Manuel Vega 10-90 y Mariscal Lamar Open
Azuay / Cuenca / Huaynacapac / Av. Roberto Crespo Toral 1-77 y Av. del Estadio Open
Guayas / Daule / Emiliano Caicedo Marcos / Av. Vicente Piedrahita S/N Open
Pichincha / Quito / Cumbaya / Av. Interoceanica S/N Open
Cotopaxi / Latacunga / Eloy Alfaro (San Felipe) / Av. Eloy Alfaro S/N y Benjamin Teran Open
Imbabura / Ibarra / San Francisco / Av. Mariano Acosta 2-26 y Hugo Gomez Jurado Open
Loja / Loja / el Sagrario / Sucre S/N y Jose Antonio Eguiguren Open
Guayas / Milagro / Milagro / Presidente Javier Espinoza Solar 12 y 12 de Octubre - 17 de Septiemb Open
Pichincha / Quito / Iñaquito / Ave. Amazonas 6-114 y Ave. Republica Open
Guayas / Guayaquil / Carbo (Concepcion) / General Cordova S/N y Ave. Nueve de Octubre Open
Azuay / Cuenca / Machangara / NN S/N y NN Open
Azuay / Cuenca / Hermano Miguel / Via a Mayancela No Aplica y Via a Mayancela Open
Pichincha / Quito / Calderon (Carapungo) / Giovanni Calles Lote 2 y Duchicela Open
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Open
El Oro / el Guabo / el Guabo / Avenida Machala S/N y Gran Colombia Open
Guayas / Daule / los Lojas (Enrique Baquerizo Moreno) / Via la Aurora S/N Open
Esmeraldas / Esmeraldas / 5 de Agosto / Av Segunda Solar 13 y Mejia y Salinas Open
Santo Domingo de los Tsachilas / Santo Domingo / Chiguilpe / Abraham Calazacon Lote 1 y Calle de la Paz Open
Los Rios / Babahoyo / Clemente Baquerizo / Calle Calderon S/N y General Barona Open
Guayas / Guayaquil / Pascuales / Av. Modesto Luque S/N y Casuarinas Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. Moran Valverde S/N y Av. Quitumbe Open
Pichincha / Quito / Quito Distrito Metropolitano / Av. Naciones Unidas S/N y Av.los Shyris y 6 de Diciembre Open
Manabi / Manta / Tarqui / Av. 113 S/N y Calle 117 - Calle 118 Open
Chimborazo / Riobamba / Veloz / Av Leopoldo Freire S/N y la Paz Open
Manabi / Portoviejo / Portoviejo / 10 de Agosto SN y Chile Open
Manabi / Manta / Manta / Avenida Flavio Reyes SN y Avenida 2 Open
Santo Domingo de los Tsachilas / Santo Domingo / Chiguilpe / Av. Quito S/N y Cocaniguas - Tsachilas Open
Guayas / Daule / la Aurora (Satélite) / S/N Open
Pichincha / Quito / Quitumbe / Amaru Ñan S/N y Avenida Lira Ñan Open
Pichincha / Quito / San Bartolo / Av. P.V. Maldonado S16-56 y Pusir Open
Pichincha / Quito / Mariscal Sucre / Juan Leon Mera N19-36 y Av.patria Open
Pichincha / Quito / Iñaquito / Av. Naciones Unidas S/N y Nuñez de Vela Open
Santo Domingo de los Tsachilas / Santo Domingo / Abraham Calazacon / Av. Abraham Calazacon S/N y Av. Quevedo Open
Guayas / Guayaquil / Carbo (Concepcion) / Pedro Carbo 319 y Fco.de P.icaza Open
Pichincha / Quito / Calderon (Carapungo) / Av Simon Bolivar S/N y Panamericana Norte - Calderon Open
Tungurahua / Ambato / Huachi Chico / Pio Baroja y Lope de Vega Open
El Oro / Machala / la Providencia / Av.25 de Junio Open
El Oro / Machala / Puerto Bolivar / Av. Bolivar Madero Open
Manabi / Manta / Manta / Via a Barbasquillo L3 y Redondel de Barbasquillo Open
Manabi / Manta / Manta / Avenida de la Cultura 0 y 24 de Mayo Open
Pichincha / Quito / la Magdalena / Maldonado 48 y Calvas Open
Imbabura / Ibarra / San Francisco / Atahualpa Na y Teodoro Gomez Open
Pichincha / Quito / Iñaquito / Moran Valverde 312 y Quitumbe Open
Pichincha / Rumiñahui / Sangolqui / General Enriquez B3 y Isla Santiago Open
Carchi / Tulcan / Tulcan / Pichincha Na y Entre Bolivar y Rafael Arellano Open
Guayas / Samborondon / la Puntilla (Satelite) / KM 6.5 Via Puntilla Samborondon Na y Na Open
Guayas / Guayaquil / Tarqui / Felipe Pezo Campuzano 100 y Na Open
Pichincha / Cayambe / Cayambe / Natalia Jarrin Na y Venezuela Open
Guayas / Guayaquil / Tarqui / Narcisa de Jesus 15 y Na Open
Pastaza / Pastaza / Puyo / 9 de Octubre Na y Entre 24 de Mayo y Teniente Hugo Ortiz Open
Guayas / Guayaquil / Tarqui / Avenida Narcisa de Jesus Local 7 y Na Open
Guayas / Daule / la Aurora (Satélite) / Via Samborondon la Aurora Satelite Local 7 y 8 y Na Open
Santa Elena / Santa Elena / Ballenita / Na Na y Na Open
Guayas / Nobol / Narcisa de Jesus (Nobol) / KM 33.5 Via a Daule la Toma Nobol Na y Na Open
Guayas / Guayaquil / Ximena / General Cordova Na y Nueve de Octubre Open
Guayas / Nobol / Narcisa de Jesus (Nobol) / KM 35 Via a Daule Via Colectora Na y Na Open
Guayas / Duran / Eloy Alfaro (Durán) / KM 3.5 Via Duran Boliche Local 59 y Na Open
Los Rios / Babahoyo / DR. Camilo Ponce / Via Guaranda Babahoyo Na y Na Open
Manabi / Manta / los Esteros / Av. Via Aereopuerto KM 1.5 Na y Na Open
Guayas / Playas / General Villamil (Playas) / Av 15 de Agosto Na y Zenon Macias Open
Guayas / Nobol / Narcisa de Jesus (Nobol) / Juena Fernandez Na y Avenida Rio Amazonas Open
Santo Domingo de los Tsachilas / Santo Domingo / Chiguilpe / Avenida Lorena Na y Avenidario Lelia Open
Galapagos / Isabela / Puerto Villamil / Antonio Gil Na y Calle 16 de Marzo Open
Guayas / Guayaquil / Chongon / Via a la Costa KM 19.5 Na y Na Open
Azuay / Cuenca / Yanuncay / Av Felipe Ii Na y Circunvalacion Sur Open
Guayas / Milagro / Milagro / Na Na y Na Open
Guayas / Guayaquil / Tarqui / Av. Benjamin Rosales Na y Av. de las Americas Open
Guayas / Guayaquil / Ximena / Avenida 25 Julio 0113 y Primera y Sexta Calles Open
Guayas / Guayaquil / Tarqui / Avenida Francisco de Orellana Na y Na Open
Santo Domingo de los Tsachilas / Santo Domingo / Bomboli / Chone Principal Na y Na Open
Guayas / Samborondon / la Puntilla (Satelite) / Buijo Historico Na y Div Buijo Open
Pichincha / Cayambe / Cayambe / Panamericana Norte Na y Napoles Open
Pichincha / Cayambe / San José de Ayora / Panamericana Norte Na y Na Open
El Oro / Machala / Machala / Av 25 de Junio Na y Tarqui 1 Open
Azuay / Cuenca / Yanuncay / Circunvalacion Sur No Aplica y Camino a Turi Open
Guayas / Guayaquil / Tarqui / Avenida de las Americas S/N Closed
Guayas / Guayaquil / Febres Cordero / Pichincha 331 y Elizalde Closed
Guayas / Guayaquil / Ximena / Av. 25 de Julio S/N y Jose Vicente Trujillo Closed
Pichincha / Quito / la Magdalena / Av. Rodrigo de Chavez Oe2-357 y Galte Closed
Azuay / Cuenca / Cuenca / Maldonado S/N y Calvas Closed
Pichincha / Quito / Chimbacalle / Naciones Unidas S/N Closed
Pichincha / Quito / San Juan / Amazonas 477 Closed
El Oro / Machala / Machala / Juan Montalvo S/N y Bolivar Closed
Azuay / Cuenca / Gil Ramirez Davalos / Manuel Calle S/N y Avenida Cordero Closed
Pichincha / Rumiñahui / San Rafael / Av. General Rumiñahui 1-1B Closed
Guayas / Guayaquil / Roca / Lorenzo de Garaycoa 1244 y Clemente Ballen Closed
Guayas / Guayaquil / Tarqui / Avenida de las Americas S/N Closed
Guayas / Guayaquil / Olmedo (San Alejo) / Avenida Olmedo S/N y Eloy Alfaro Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Pichincha / Quito / Iñaquito / Rumipamba Oe2-42 y Buorgeois Closed
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / 29 de Mayo S/N y Ibarra Closed
Pichincha / Quito / Cumbaya / S/N Closed
Pichincha / Quito / Cotocollao / S/N Closed
Guayas / Guayaquil / Carbo (Concepcion) / Junin 408 y Cordova Closed
Guayas / Guayaquil / Carbo (Concepcion) / Junin 408 y Cordova Closed
Guayas / Guayaquil / Rocafuerte / Villamil 224 y Alberto Reyna Closed
Guayas / Guayaquil / Rocafuerte / 9 de Octubre S/N y Pedro Moncayo Closed
Guayas / Guayaquil / Rocafuerte / Chimborazo S/N y Brasil Closed
Pichincha / Cayambe / Cayambe / Av. Natalia Jarrin S/N y Junin Closed
Guayas / Guayaquil / Ximena / Av. 25 de Julio Solar 36 y Av. Jose Vicente Trujillo Closed
Los Rios / Pueblo Viejo / Puebloviejo / Miguel Suarez Seminario 112 y Fermin Chavez Closed
Pichincha / Quito / Quito Distrito Metropolitano / Av. Moran Valverde 101 y Teniente Hugo Ortiz Closed
Pichincha / Quito / Cotocollao / Av. Gonzalo Cordero Oe6-142 Closed
Pichincha / Quito / la Magdalena / Av. Pedro Vicente Maldonado Tgm-4 Closed
Tungurahua / Ambato / Huachi Chico / Victor Hugo S/N y Atahualpa Closed
Tungurahua / Ambato / Atocha - Ficoa / Av. Rodrigo Pachano 15-40 y la Delicia Closed
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana 103 A-b-c y Av. Guillermo Pareja Closed
Los Rios / Quevedo / Venus del Rio Quevedo / Jose Peralta S/N Closed
Los Rios / Babahoyo / DR. Camilo Ponce / S/N Closed
Guayas / Duran / Eloy Alfaro (Duran) / S/N Closed
Guayas / Playas / General Villamil (Playas) / Via Playas - Posorja Closed
Imbabura / Ibarra / San Francisco / Av. Mariano Acosta S/N y Av. Fray Vacas Galindo Closed
Guayas / Guayaquil / Carbo (Concepcion) / General Cordova 1021 y Av. Nueve de Octubre Closed
Guayas / Guayaquil / Rocafuerte / Victor Manuel Rendon 415 y General Cordova Closed
Guayas / Guayaquil / Tarqui / Ave. Juan Tanca Marengo S/N y Ave. Jose Joaquin Orrantia Closed
Azuay / Cuenca / Yanuncay / Av Felipe Ii S/N y Circunvalacion Sur Closed
Pichincha / Quito / San Antonio / Ave. Equinoccial E2-112 y Pucara Closed
Pichincha / Quito / la Magdalena / Ave. Mariscal Sucre S9-350 y Caranqui Closed
Guayas / Guayaquil / Tarqui / Closed
Pastaza / Pastaza / Puyo / Ave. Celso Marin S/N y Nueve de Octubre Closed
El Oro / Machala / la Providencia / Solar L Closed
Santa Elena / Santa Elena / Santa Elena / Guayaquil S/N y Diez de Agosto Closed
Azuay / Gualaceo / Gualaceo / Davila Chica S/N y Calle Vicente Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Santo Domingo de los Tsachilas / Santo Domingo / Zaracay / Ave. Quito S/N y Delicias - Abraham Calazacon Closed
Carchi / Tulcan / Tulcan / Sucre S/N y 10 de Agosto Closed
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana S/N y Av. Plaza Dañin Closed
Pichincha / Quito / Quito Distrito Metropolitano / Av. Naciones Unidas S/N y 6 de Diciembre Closed
Guayas / Guayaquil / Tarqui / Av. Benjamin Rosales S/N y Av. de las Americas Closed
Guayas / Guayaquil / Guayaquil / Av. Francisco de Orellana S/N y Av. Plaza Dañin Closed
Azuay / Cuenca / Monay / Av. Emiliano Zapata S/N y Av. Gonzalez Suarez Closed
Manabi / Manta / Manta / Avenida de la Cultura S/N y Avenida 24 de Mayo Closed
Manabi / Manta / Manta / Solar 17 Closed
Manabi / Manta / Manta / Avenida 23 S/N y Calle 20 Closed
Guayas / Guayaquil / Carbo (Concepcion) / Fco. de P. Icaza 302 y Gral. Cordova Closed
Guayas / Guayaquil / Carbo (Concepcion) / Victor Manuel Rendon 415 y Gral.cordova Closed
Guayas / Guayaquil / Carbo (Concepcion) / Victor Manuel Rendon Solar 10 y Gral. Cordova Closed
Guayas / Guayaquil / Ximena / Av.9 de Octubre 200 y Pichincha Closed
Guayas / Guayaquil / Carbo (Concepcion) / Pedro Carbo 422 y Ave. Nueve de Octubre Closed
Guayas / Guayaquil / Carbo (Concepcion) / Pedro Carbo 553-555 y Luque - Velez Closed
Guayas / Guayaquil / Carbo (Concepcion) / Pedro Carbo 553-555 y Luque - Velez Closed
Guayas / Guayaquil / Carbo (Concepcion) / General Cordova 1010 y Av.nueve de Octubre Closed
Guayas / Guayaquil / Carbo (Concepcion) / Fco. de P. Icaza 302 y Gral. Cordova Closed
Guayas / Guayaquil / Carbo (Concepcion) / Fco. de P. Icaza 302 y Gral. Cordova Closed
Guayas / Guayaquil / Tarqui / S/N Closed
Pichincha / Quito / Mariscal Sucre / Av. Granados S/N y Av. 6 de Diciembre Closed
Pichincha / Quito / Tababela / Conector Alpachaca S/N y San Agustin Closed
Cotopaxi / Latacunga / la Matriz / 2 de Mayo S/N y Av. Rumiñahui Closed
Guayas / Guayaquil / Carbo (Concepcion) / P. Icaza 302 y Cordova Closed
Guayas / Guayaquil / Carbo (Concepcion) / P. Icaza 302 y Cordova Closed
Guayas / Guayaquil / Sucre / General Gomez 1300 y Pio Montufar 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 125 open establishments across 18 provinces, plus 76 closed.

1 44

Provinces with a presence

Guayas head office 44 locations
Pichincha 27 locations
Azuay 8 locations
Manabi 8 locations
El Oro 6 locations
Santo Domingo de los Tsachilas 5 locations
Tungurahua 4 locations
Imbabura 4 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