Not just size: the financial system rankings

1. 1 Banco Visionfund Ecuador S.A. Bank · $192.4 M in assets 24.4%
2. 2 Banco Pacifico Bank · $10,941 M in assets 21.8%
3. 3 Banco Citibank Bank · $737.5 M in assets 20.1%
4. 4 Banco Guayaquil Bank · $10,736 M in assets 18.8%
5. 5 Los Andes Latinos Ltda Cooperative · segment 3 · $23.6 M in assets 16.1%

The year’s profit as a percentage of the owners’ or members’ equity, as published by each supervisor. The podium mixes banks of every size with cooperatives that compete with them head to head.

1. 1 Banco Citibank Bank · $324.2 M in loans 0.00%
2. 2 Banco Coopnacional Bank · $28.5 M in loans 0.19%
3. 3 Finanzas Corporativas Ltda Cooperative · segment 2 · $35.7 M in loans 0.38%
4. 4 Educadores de Tungurahua Ltda Cooperative · segment 2 · $22 M in loans 0.97%
5. 5 Educadores Tulcan Ltda Cooperative · segment 2 · $45.7 M in loans 1.01%

Of every 100 dollars lent, how many are past due or have stopped earning interest. After corporate banking, the podium is dominated by the closed cooperatives of teachers: payroll deduction nearly eliminates delinquency.

1. 1 Banco Atlántida S.A. Bank · $189.5 M in assets today +71.3%
2. 2 Banco Comercial de Manabi Bank · $181 M in assets today +43.7%
3. 3 Banco Capital Bank · $88 M in assets today +32.2%
4. 4 Banco Visionfund Ecuador S.A. Bank · $192.4 M in assets today +23.2%
5. 5 Banco Amazonas Bank · $522.4 M in assets today +23.0%

The only subsystem with a per-institution harmonized series is private banking, so this ranking is banks only. The highest percentages tend to belong to small banks starting from small bases; a large bank showing up here is the real news.

1. 1 Banco Citibank Bank · 552 accounts $1.2 M
2. 2 Banco Diners Bank · 71,881 accounts $25.4 k
3. 3 Banco Amazonas Bank · 17,642 accounts $24.3 k
4. 4 Banco Procredit Bank · 103,437 accounts $6 k
5. 5 Banco Capital Bank · 11,877 accounts $5.9 k

It portrays each bank’s trade better than any speech: few millionaire accounts is corporate banking; millions of small accounts is street banking. Accounts are counted, not customers.

1. 1 Provida Ltda Cooperative · segment 2 · $102.8 M in assets 28.2%
2. 2 De la Pequeña Empresa de Cotopaxi Limitada Cooperative · segment 1 · $644.7 M in assets 60.2%
3. 3 Banco Citibank Bank · $737.5 M in assets 60.5%
4. 4 Banco Internacional Bank · $6,371 M in assets 60.5%
5. 5 Banco Pacifico Bank · $10,941 M in assets 61.1%

How much of the margin the business leaves gets consumed in salaries, offices and operations: the lower, the more efficient. Scale shows here, and even so some mid-sized cooperative beats the big banks.

1. 1 Banco Amazonas Bank · $522.4 M in assets today × 3.6
2. 2 Banco Comercial de Manabi Bank · $181 M in assets today × 3.5
3. 3 Banco Guayaquil Bank · $10,736 M in assets today × 2.9
4. 4 Banco Loja Bank · $1,070 M in assets today × 2.7
5. 5 Banco General Rumiñahui Bank · $1,523 M in assets today × 2.6

The long race rewards differently than the short one: here twenty years of harmonized series carry the weight, and tripling in a decade is worth more than one good year.