Private banks

Produbanco

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: 1790368718001

Assets: $9,463 M
Public deposits: $7,530 M
Loan book: $6,423 M
Period result: $64.3 M

What its balance sheet is made of

As of July 31, 2026

Where the money is placed

Loan book $6,423 M 67.9%
Investments $1,559 M 16.5%
Available funds $970.1 M 10.2%
Rest of the assets $510.6 M 5.4%

Where it comes from

Sight deposits $4,297 M 45.7%
Term deposits $3,029 M 32.2%
Financial obligations $597.8 M 6.4%
Own equity $702.3 M 7.5%
Other liabilities $773 M 8.2%

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 $549.9 M against expenses of $485.6 M: that is where the headline result of $64.3 M comes from.

Who it lends to

Gross loans $6,731 M

Productive $4,032 M 59.9% Segment delinquency: 1.0%
Consumer $2,285 M 34.0% Segment delinquency: 6.0%
Real estate $323.8 M 4.8% Segment delinquency: 2.6%
Microcredit $76.3 M 1.1% Segment delinquency: 1.8%
COVID-19 refinanced and restructured $12.9 M 0.2%
Education $762 k 0.0% Segment delinquency: 19.1%

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 59.9% 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, $6,731 M, differs from the net loan book in the header, $6,423 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 7.3% 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 26.8% 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 336.8% 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 2.8% 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 163.3% 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 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) 15.5% 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) 1.2% 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 0.9% 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 79.3% 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 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 17.1% 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 91.9% 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 9.6% 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 $9,463 M, liabilities $8,697 M, equity $702.3 M) satisfies the bulletin's accounting identity: the period result, $64.3 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)

0.7

9.5

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.7
2004: 0.9
2005: 1
2006: 1.2
2007: 1.3
2008: 1.6
2009: 1.7
2010: 2
2011: 2.2
2012: 2.6
2013: 3
2014: 3.9
2015: 3.6
2016: 4
2017: 4.3
2018: 4.8
2019: 5.2
2020: 5.5
2021: 6.2
2022: 7
2023: 7.5
2024: 8.2
2025: 9.1
2026: 9.5

Public deposits · year-end close (billions)

0.6

7.5

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.6
2004: 0.7
2005: 0.8
2006: 0.9
2007: 1
2008: 1.3
2009: 1.4
2010: 1.6
2011: 1.7
2012: 2.2
2013: 2.4
2014: 3.4
2015: 3
2016: 3.3
2017: 3.5
2018: 3.7
2019: 4
2020: 4.5
2021: 4.9
2022: 5.3
2023: 5.7
2024: 6.3
2025: 7.2
2026: 7.5

Loan book · year-end close (billions)

0.3

6.4

2003 2007 2011 2015 2019 2026

See the full series

2003: 0.3
2004: 0.4
2005: 0.5
2006: 0.6
2007: 0.6
2008: 0.6
2009: 0.7
2010: 0.8
2011: 1
2012: 1.2
2013: 1.5
2014: 2.1
2015: 1.9
2016: 2.1
2017: 2.5
2018: 3
2019: 3.3
2020: 3.3
2021: 3.8
2022: 4.5
2023: 4.9
2024: 5.3
2025: 6.1
2026: 6.4

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

25 cantons · 1,808,070 accounts

Quito Pichincha $4,618 M
Guayaquil Guayas $1,075 M
Cuenca Azuay $475.6 M
Ambato Tungurahua $321.6 M
Rumiñahui Pichincha $145.4 M
Manta Manabi $112 M

The Superintendencia's territorial report breaks down each bank's deposits by canton. Produbanco holds public deposits in 25 cantons, spread across 1,808,070 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: March 30, 1978

Establishments · 179 registered, 129 open

HEAD OFFICE Pichincha / Quito / Iñaquito / Av. Simon Bolivar S/N y Via a Nayon Open
Guayas / Guayaquil / Tarqui / Av. Rodrigo de Chavez Solar 6 Open
Pichincha / Quito / Kennedy / Av. Galo Plaza Lasso N57-226 y Fray Leonardo Murialdo Open
Pichincha / Quito / Tumbaco / Av. Juan Montalvo Oe1-221 y Av. Interoceanica Open
Pichincha / Quito / Jipijapa / Av. 6 de Diciembre S/N y Av de los Granados Open
Pichincha / Quito / Chimbacalle / Gualberto Perez E1 -88 y Av. Pedro Vicente Maldonado Open
Guayas / Guayaquil / Tarqui / Agustin Freire S/N y Guillermo Pareja Rolando Open
Guayas / Duran / Eloy Alfaro (Durán) / Autopista Duran Boliche S/N Open
Pichincha / Quito / la Concepción / Av. de la Prensa N50 183 y Homero Salas Open
Pichincha / Mejia / Machachi / Bolivar S/N y Perez Pareja Open
Pichincha / Quito / Rumipamba / Av. Brasil N39-111 y Jacinto de la Cueva Open
Guayas / Guayaquil / Ximena / Av. Veinte y Cinco de Julio S/N y Jose de la Cuadra y Alban Open
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito 1245 y Chorrera del Napa Open
Guayas / Guayaquil / Tarqui / Victor Emilio Estrada 206 y Balsamos y Cedros Open
Guayas / Guayaquil / Ximena / S/N Open
Azuay / Cuenca / el Sagrario / Bolivar 580 y Hermano Miguel Open
Tungurahua / Ambato / Atocha - Ficoa / Rodrigo Pachano S/N y Montalvo Open
Pichincha / Rumiñahui / Sangolqui / Av. General Enriquez S/N y Isla Santa Catalina Open
Pichincha / Quito / Iñaquito / Av. Amazonas S/N y Republica Open
Azuay / Cuenca / San Blas / Av. Huayna Capac 3-26 y Gaspar Sangurima Open
Tungurahua / Ambato / Huachi Chico / Av. Atahualpa S/N y Victor Hugo Open
Pichincha / Quito / Belisario Quevedo / la Gasca S/N y Gaspar de Carvajal Open
Pichincha / Quito / Cotocollao / Diego de Vasquez N77-464 Open
Pichincha / Quito / Iñaquito / Naciones Unidas S/N y 6 de Diciembre Open
Guayas / Guayaquil / Tarqui / Av. de las Americas S/N Open
Guayas / Guayaquil / Tarqui / Juan Tanca Marengo Local T19 Open
Guayas / Samborondon / la Puntilla (Satelite) / Via a Samborondon S/N Open
Pichincha / Quito / Cumbaya / Av. Interoceanica Oswaldo Guayasamin Oe6-90 y Av. Pampite Open
Pichincha / Quito / Iñaquito / Av. Amazonas S/N y Republica Open
Pichincha / Quito / la Magdalena / Av. Vicente Maldonado 14-205 Open
Guayas / Guayaquil / Tarqui / Av. Constitucion S/N y Juan Tanca Marengo Open
Tungurahua / Ambato / la Merced / Av. Doce de Noviembre S/N y Juan Cajas Open
Manabi / Manta / Manta / Av. Malecon S/N y Av. 23 Open
Esmeraldas / Esmeraldas / Esmeraldas / Mejia S/N Open
Loja / Loja / San Sebastian / Bernardo Valdiviezo S/N y Jose Antonio Eguiguren Esq Open
Los Rios / Quevedo / Quevedo / Bolivar SN y Novena Open
Imbabura / Ibarra / Sagrario / Av. Mariano Acosta S/N y Calle Gabriela Mistral Open
Manabi / Manta / Manta / Av. Malecon S/N y Calle 18 y 19 Open
Azuay / Cuenca / San Sebastian / Av. Ordoñez Lazo S-N y Nogales Open
Pichincha / Quito / Iñaquito / 6 de Diciembre S/N y Julio Moreno Open
Santa Elena / Salinas / Salinas / SN Open
Tungurahua / Ambato / Matriz / Montalvo 530 y Sucre Open
Guayas / Guayaquil / Tarqui / Francisco de Orellana S/N y Carlos Luis Plaza Dañin Open
Santo Domingo de los Tsachilas / Santo Domingo / Santo Domingo de los Colorados / Av. Quito S/N y Chorrera del Napa Open
Guayas / Guayaquil / Tarqui / Solar 1 Open
Guayas / Guayaquil / Tarqui / Av. de los Bomberos SN Open
Pichincha / Quito / la Concepción / Av. 6 de Diciembre N51103 y Barrera Open
Pichincha / Rumiñahui / Sangolqui / General Rumiñahui e Open
Pichincha / Quito / Tumbaco / Av. Interoceanica S/N Open
Azuay / Cuenca / el Vecino / Elia Liut S/N y Ramirez Davalos Open
Loja / Loja / San Sebastian / 18 de Noviembre S/N y Gobernacion de Mainas Open
Pichincha / Quito / Chillogallo / Av. Quitumbe Ñan S/N y Av. Rafael Moran Valverde Open
Pichincha / Quito / Chillogallo / Av. Quitumbe Ñan S/N y Panamericana Sur Open
Manabi / Portoviejo / 12 de Marzo / Manabi y 5 de Junio Open
Guayas / Samborondon / la Puntilla (Satelite) / Via a Samborondon S/N Open
Pichincha / Quito / Cotocollao / Av. de la Prensa S/N y Av. Mariscal Sucre Open
Pichincha / Quito / la Magdalena / Av Pedro Vicente Maldonado S10-194 y Caldas Open
Pichincha / Quito / Mariscal Sucre / Isabel la Catolica S/N y Madrid Open
Pichincha / Quito / la Concepción / Av. al Parque y Alonso Torres Open
Santa Elena / la Libertad / la Libertad / Sexta Transversal S/N y Calle Guayaquil Open
Guayas / Guayaquil / Tarqui / Felipe Pezo S/N y Benjamin Carrion Open
Guayas / Guayaquil / Tarqui / Felipe Pezo S/N y Benjamin Carrion Open
El Oro / Machala / Machala / Avenida Paquisha S/N Open
El Oro / Machala / Machala / 25 de Junio S/N y Via Pasaje Open
Pichincha / Quito / Cumbaya / Via Interoceanica S/N y Pasaje el Valle Open
Cotopaxi / Latacunga / la Matriz / Av. Eloy Alfaro S/N y Entre Gatazo y Av. Marco Open
Chimborazo / Riobamba / Velasco / Av. Lizarzaburu S/N Open
Pichincha / Quito / Cotocollao / Av. de la Prensa S/N y Av. Mariscal Sucre Open
Pichincha / Quito / Mariscal Sucre / Av. Gonzalez Suarez E14 y Muros Open
Pichincha / Quito / Cumbaya / Via Interoceanica SN Open
Guayas / Guayaquil / Tarqui / Av.presidente Jaime R.aguilera S/N Open
Pichincha / Quito / Tababela / Conector de Alpachaca S/N Open
Manabi / Manta / Tarqui / Av. 113 S/N y 4 de Noviembre Open
Cañar / Azogues / Azogues / Rivera 615 y 3 de Noviembre Open
Pichincha / Quito / Mariscal Sucre / Av. Amazonas N25-23 y Av. Colon Open
Pichincha / Quito / Centro Histórico / Mejia N6-18 y Venezuela Open
Azuay / Cuenca / Huaynacapac / Av. Solano 4-153 y Av. el Estadio Open
Chimborazo / Riobamba / Riobamba / Daniel Leon Borja S/N y Miguel Angel Leon Open
Tungurahua / Baños de Agua Santa / Baños de Agua Santa / Tomas Halflants N6-40 y Entre Ambato y Oriente Open
Imbabura / Otavalo / Jordan / Colon N912 y Bolivar Open
Imbabura / Ibarra / Ibarra / Mariano Acosta 21-47 y Victor Gomez Jurado Open
Guayas / Guayaquil / Tarqui / 14 Open
Pichincha / Quito / Iñaquito / Eloy Alfaro N44-110 y Rio Coca Open
Pichincha / Rumiñahui / San Rafael / Av. Rumiñahui Lote 173 y Ilalo Open
Azuay / Cuenca / Yanuncay / Av. Felipe Ii y Circunvalacion Sur Open
Azuay / Cuenca / Yanuncay / Av. Don Bosco S/N y Miguel de Cervantes Open
Pichincha / Quito / Iñaquito / Av. Amazonas N35-211 y Japon Open
Guayas / Samborondon / la Puntilla (Satelite) / Lote C Cuatro Uno SN y Via San Borondon Open
Pichincha / Quito / Ponceano / Av Real Audiencia SN y Francisco Dalmau Open
Los Rios / Quevedo / Guayacan / Walter Andrade S/N y Moroni Open
Tungurahua / Ambato / Huachi Chico / Bolivar Sevilla S/N y Alfredo Pareja Diezcanseco Open
Pichincha / Quito / Pomasqui / Av. Manuel Córdova Galarza S/N Open
Pichincha / Cayambe / Cayambe / Panamericana Norte KM 1.50 SN Open
Guayas / Milagro / Milagro / de los Chirijos Solar 1-9 y Av. 17 de Septiembre Open
El Oro / Pasaje / Ochoa Leon (Matriz) / Ochoa Leon Solar 13 y Av 10 de Agosto Open
Guayas / Milagro / Milagro / Avenida Colon y 17 de Septiembre Open
Pichincha / Quito / Calderon (Carapungo) / Av Galo Plaza Lasso S/N y Av Simon Bolivar Open
Pichincha / Quito / Iñaquito / Republica del Salvador N34-529 y Portugal Open
Manabi / Portoviejo / 18 de Octubre / Av Reales Tamarindos SN y Alamos Open
Pichincha / Quito / Calderon (Carapungo) / Av Galo Plaza SN y Av Simon Bolivar Open
Pichincha / Quito / Iñaquito / Av Amazonas SN y Naciones Unidas Open
Pichincha / Quito / Alangasi / Av Amazonas Oe13-198 y Rio Coca Open
Azuay / Cuenca / San Sebastian / Av de las Americas S/N y Camilo del Tejar Open
Tungurahua / Ambato / Atocha - Ficoa / Guaytambos y Berenjenas Open
Guayas / Guayaquil / Ximena / Pedro Carbo 604 y Aguirre Luque Open
Guayas / Daule / la Aurora (Satélite) / Av. Leon Febres Cordero y Av. Principal Open
Guayas / Guayaquil / Tarqui / Via a la Costa Open
Azuay / Cuenca / Machangara / Panamericana Norte y Cultura Pirincay Open
Guayas / Samborondon / la Puntilla (Satelite) / Avenida Leon Febres Cordero Open
Pichincha / Quito / Cotocollao / N59 Angel Ludeña Op6-75 y Calle Pedro de Mendoza Open
Guayas / Guayaquil / Tarqui / Av. del Rotarismo 3 3 Open
Pichincha / Quito / Cumbaya / Pasaje a S/N y Via Interoceanica Open
Pichincha / Quito / Cumbaya / Av Pampite Oe1-31 y Chimborazo Open
El Oro / Machala / Machala / Av. Bolivar Madero S/N y Av. Circunvalacion Norte Open
Guayas / Samborondon / la Puntilla (Satelite) / Via la Puntilla S/N Open
Guayas / Guayaquil / Tarqui / Mucho Lote 1 Etapa Vi Open
Guayas / Guayaquil / Tarqui / Mucho Lote 1 Etapa Vi Open
Pichincha / Quito / Rumipamba / N39 Antonio Granda Centeno Oe4-67 y Alvarez del Corro Open
Azuay / Cuenca / Huaynacapac / Av. 24 de Mayo S/N y Av. 10 de Agosto Open
Azuay / Cuenca / Huaynacapac / Av. 24 de Mayo S/N y Av. 10 de Agosto Open
Pichincha / Quito / la Argelia / Av. Pedro Vicente Maldonado S/N y Calle Pueblo Viejo Open
Pichincha / Quito / Iñaquito / Av. de los Shyris S/N y el Comercio Open
Pichincha / Quito / Tumbaco / Av. Oswaldo Guayasamin S/N Open
Guayas / Samborondon / la Puntilla (Satelite) / Via a Samborondon y Solar 119 Open
El Oro / Machala / Machala / Ayacucho SN y Av. Sucre y 25 de Junio Open
Santo Domingo de los Tsachilas / Santo Domingo / Bomboli / Av. Chone SN y Victor Alfonso Lopez y Peru Open
Santo Domingo de los Tsachilas / Santo Domingo / Bomboli / Av. Chone SN y Victor Alfonso Lopez y Peru Open
Azuay / Cuenca / Yanuncay / Circunvalacion Sur SN y Via a Turi Open
Guayas / Daule / la Aurora (Satélite) / Av. Vistana S/N y Via Leon Febres Cordero Open
Pichincha / Quito / San Juan / Espejo Oe240 y Flores Closed
Pichincha / Quito / Iñaquito / Av 6 de Diciembre S/N y la Nina Closed
Pichincha / Quito / el Condado / Centro Comercial el Bosque Loc S/N Closed
Pichincha / Quito / Belisario Quevedo / Av. Amazonas 350 y Robles Closed
Guayas / Guayaquil / Rocafuerte / 6 de Marzo 924 y Clemente Ballen Closed
Pichincha / Quito / la Magdalena / Av Vencedores de Pichincha S/N Closed
Azuay / Cuenca / Gil Ramirez Davalos / Padre Aguirre 972 y Gran Colombia Closed
Pichincha / Quito / Centro Histórico / Sucre 350 y Venezuela y Garcia Moreno Closed
Pichincha / Quito / Calderon (Carapungo) / Principal S/N Closed
Guayas / Guayaquil / Rocafuerte / Lorenzo de Garaycoa 817-819 y Nueve de Octubre Closed
Guayas / Guayaquil / Tarqui / Av Teniente Hugo Ortiz MZ 5 S/N y Av de las Americas Closed
Pichincha / Quito / Iñaquito / Av Amazonas 653 y Robles Closed
Pichincha / Quito / Iñaquito / Av Amazonas S/N Closed
Pichincha / Quito / Jipijapa / Av 6 de Diciembre S/N y la Nina Closed
Pichincha / Quito / la Concepción / Av Mariscal Antonio Jose de Su S/N y Edmundo Carvajal Closed
Pichincha / Quito / Iñaquito / Av Amazonas S/N y Av Naciones Unidas Closed
Pichincha / Quito / Mariscal Sucre / Av 12 de Octubre S/N y Cordero Closed
Guayas / Guayaquil / Olmedo (San Alejo) / Malecon 2210 y General Franco Closed
Imbabura / Ibarra / San Francisco / Av. Mariano Acosta 21-47 y Victor Gomez Jurado Closed
Guayas / Guayaquil / Ximena / Av. Veinte y Cinco de Julio S/N y Jose de la Cuadra y Alban Closed
Chimborazo / Riobamba / Lizarzaburu / Daniel Leon Borja 42-61 y Autachi Closed
Pichincha / Quito / Iñaquito / Av. Republica S/N y Av. Naciones Unidas Closed
Tungurahua / Ambato / Huachi Chico / Av. Atahualpa S/N y Av. Victor Hugo Closed
Pichincha / Quito / Chillogallo / Av. Mariscal Sucre S/N y Luis Francis Lopez Closed
Cotopaxi / Latacunga / la Matriz / Padre Salcedo 43-28 y Entre Calle Quito y Belisario Closed
Pichincha / Quito / Cotocollao / Av. Diego de Vasquez Lote 131 Closed
Pichincha / Quito / Iñaquito / Jose Villalengua Oe4-22 y Av. America Closed
Imbabura / Antonio Ante / Atuntaqui / Rio Amazonas 1201 y Antonio Jose Sucre Closed
Pichincha / Quito / Belisario Quevedo / San Gabriel S/N y Nicolas Arteta Closed
Cotopaxi / Latacunga / Eloy Alfaro (San Felipe) / Benjamin Teran S/N y Av. Eloy Alfaro Closed
Pichincha / Quito / Cumbaya / Eugenio Espejo Lote 5 Closed
Pichincha / Quito / San Isidro del Inca / Av. 6 de Diciembre 4601 y el Inca Closed
Tungurahua / Ambato / Ambato / Rodrigo Pachano S/N y Montalvo Closed
Pichincha / Quito / la Magdalena / Maldonado 14-205 Closed
Pichincha / Quito / Cotocollao / Prensa N70-121 y Pablo Picasso Closed
Pichincha / Quito / Mariscal Sucre / Av. 12 de Octubre S/N y Francisco Salazar Closed
Guayas / Guayaquil / Tarqui / Av. Francisco de Orellana Solar 3 y Eugenio Almazan Closed
Manabi / Manta / Manta / Av. Malecon S/N y Calle 18 y 19 Closed
Guayas / Guayaquil / Tarqui / Lote 14 Closed
Guayas / Samborondon / la Puntilla (Satelite) / 2 Closed
Tungurahua / Ambato / Matriz / Av. Victor Hugo S/N y Marcos Montalvo y Acosta Solis Closed
El Oro / Machala / Machala / Av. Paquisha S/N y Luque Closed
Cotopaxi / Latacunga / la Matriz / Av. Eloy Alfaro S/N y Entre Gatazo y Av. Marco Closed
Guayas / Guayaquil / Tarqui / Guillermo Pareja S/N y Benjamin Carrion Closed
Pichincha / Quito / Kennedy / 10 de Agosto S/N y Rafael Bustamante Closed
Guayas / Playas / General Villamil (Playas) / 24 de Septiembre S/N y Cristina Orrala Closed
Pastaza / Pastaza / Puyo / Av. Ceslao Marin S/N y Alvaro Balladares Closed
Bolivar / Guaranda / Angel Polibio Chavez / Pichincha S/N y Espejo Closed
Pichincha / Quito / Iñaquito / Av. Rio Amazonas N37-102 y Union Nacional de Periodistas Closed
Carchi / Tulcan / Tulcan / Av Seminario SN y Andrés Bello 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 129 open establishments across 15 provinces, plus 50 closed.

1 51

Provinces with a presence

Pichincha head office 51 locations
Guayas 31 locations
Azuay 12 locations
Tungurahua 7 locations
Manabi 5 locations
El Oro 5 locations
Santo Domingo de los Tsachilas 4 locations
Imbabura 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