Source: Latin America Financial Institutions Performance Report
Industry Overview
The Ecuadorian financial sector closed December 2025 with solid profitability dynamics, according to the 2025 Latin America Financial Institutions Performance Report. The research evaluates the financial statements of more than 2,000 financial institutions across 18 Latin American countries on a recurring basis, presenting each entity’s net income both in local currency and in U.S. dollars.
In Ecuador, a total of 26 financial institutions were surveyed. Of these, 24 reported positive earnings during the period under analysis, equivalent to 92% of the entities reviewed. This high proportion of profitable players confirms a broadly favorable earnings environment across the banking and financial system.
Benchmark and Industry Profitability
The sector posted an aggregate net income of USD 1,336 million at the close of 2025. Within this context, the net income benchmark reached USD 85.5 million.
This benchmark is a more comprehensive metric because it incorporates the industry’s average, median, and the distribution of profits among all competitors. It therefore reflects the performance threshold that institutions must achieve to stand out within the national financial system. In practical terms, entities consistently exceeding this level can be considered structurally above the industry’s central profitability band.
Competitive Landscape
Profit generation in Ecuador shows a high degree of concentration among leading institutions. CORPORACION FINANCIERA NACIONAL ranked first with net income of USD 280 million, followed by BANCO PICHINCHA with USD 240 million and BANCO DEL PACIFICO with USD 206 million.
The next positions were held by BANCO DE GUAYAQUIL, which recorded USD 153 million, and BANCO DE DESARROLLO DEL ECUADOR, with USD 86 million. These five institutions together accounted for 71.7% of the total profits generated by the industry, underscoring a markedly concentrated earnings structure.
Mid-Tier Performance
Below the leading group, PRODUBANCO reported net income of USD 85 million, closely aligned with the national benchmark. BANCO BOLIVARIANO followed with USD 71 million, while BANCO INTERNACIONAL reached USD 68 million.
Further down the ranking, BANCO DINERS posted USD 43 million and BANCO DEL AUSTRO closed the top ten with USD 24 million. The distribution of results shows a clear gap between the top performers and the rest of the market, a pattern consistent with mature but concentrated banking systems in the region.
Market Reading
The Ecuadorian financial system enters 2026 with a profitability structure supported by a broad base of profitable institutions but dominated by a relatively small group of leaders. The fact that 92% of surveyed entities generated profits reflects systemic resilience, while the benchmark of USD 85.5 million provides a demanding but achievable reference point for competitive positioning.
Going forward, the key strategic question for mid-sized institutions will be their ability to consistently surpass the benchmark and reduce the earnings gap with the top-tier banks. The current distribution suggests that scale, efficiency, and portfolio quality will remain decisive factors in shaping competitive dynamics across Ecuador’s financial sector.