{"id":29197,"date":"2023-08-23T21:53:05","date_gmt":"2023-08-24T02:53:05","guid":{"rendered":"https:\/\/www.superbancos.gob.ec\/bancos\/?p=29197"},"modified":"2025-05-15T12:15:35","modified_gmt":"2025-05-15T17:15:35","slug":"calificacion-de-riesgo-instituciones-financieras-2023","status":"publish","type":"post","link":"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2023\/","title":{"rendered":"Calificaci\u00f3n de Riesgo Instituciones Financieras 2023"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29197\" class=\"elementor elementor-29197\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-22b795f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22b795f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-b884ded\" data-id=\"b884ded\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23a1fe1 elementor-widget elementor-widget-text-editor\" data-id=\"23a1fe1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La solvencia y la capacidad de las entidades del sistema financiero nacional para administrar los riesgos con terceros y cumplir sus obligaciones con el p\u00fablico ser\u00e1 calificada sobre la base de par\u00e1metros m\u00ednimos que incluyan una escala uniforme de calificaci\u00f3n de riesgo por sectores financieros, de acuerdo con las normas que al respecto emita la Junta de Pol\u00edtica y\u00a0Regulaci\u00f3n Monetaria y Financiera.<\/p><p>La calificaci\u00f3n de riesgo podr\u00e1 ser realizada por compa\u00f1\u00edas calificadoras de riesgos nacionales o extranjeras, o asociadas entre ellas, con experiencia y de reconocido prestigio, calificadas como id\u00f3neas por los organismos de control. La contrataci\u00f3n de estas firmas ser\u00e1 efectuada mediante procedimientos de selecci\u00f3n, garantizando la\u00a0alternabilidad.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e9c14fd\" data-id=\"e9c14fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ddc428 elementor-widget elementor-widget-image\" data-id=\"4ddc428\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2022\/08\/redes-sociales-300x300.gif\" class=\"attachment-medium size-medium wp-image-18200\" alt=\"\" srcset=\"https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2022\/08\/redes-sociales-300x300.gif 300w, https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2022\/08\/redes-sociales-150x150.gif 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9f5fea0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f5fea0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49634bd\" data-id=\"49634bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68202fd elementor-widget elementor-widget-elementskit-tablepress\" data-id=\"68202fd\" data-element_type=\"widget\" data-widget_type=\"elementskit-tablepress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elemenetskit-tablepress ekit-wid-con\" id=\"ekit_tablepress_68202fd\">\n<table id=\"tablepress-252\" class=\"tablepress tablepress-id-252 tablepress-responsive tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">INSTITUCION FINANCIERA<\/th><th class=\"column-2\">FIRMA CALIFICADORA DE RIESGO<\/th><th class=\"column-3\">CALIFICACI\u00d3N <br \/>\nA MARZO 2023<\/th><th class=\"column-4\">CALIFICACI\u00d3N <br \/>\nA JUNIO 2023<\/th><th class=\"column-5\">CALIFICACI\u00d3N <br \/>\nA SEPT. 2023<\/th><th class=\"column-6\">CALIFICACI\u00d3N <br \/>\nA DICIEMBRE 2023<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td colspan=\"6\" class=\"column-1\"><strong>BANCOS PRIVADOS<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">BANCO AMAZONAS S.A.<\/td><td class=\"column-2\">CLASS INTERNATIONAL RATING<\/td><td class=\"column-3\">AA+<\/td><td class=\"column-4\">AA+<\/td><td class=\"column-5\">AA+<\/td><td class=\"column-6\">AA+<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">BANCO BOLIVARIANO C.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING \/ BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA \/ AAA-<\/td><td class=\"column-4\">AAA \/ AAA-<\/td><td class=\"column-5\">AAA \/ AAA-<\/td><td class=\"column-6\">AAA \/ AAA-<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">CITIBANK N.A.<\/td><td class=\"column-2\">CLASS INTERNATIONAL RATING<\/td><td class=\"column-3\">AAA<\/td><td class=\"column-4\">AAA<\/td><td class=\"column-5\">AAA<\/td><td class=\"column-6\">AAA<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">BANCO CAPITAL S.A.<\/td><td class=\"column-2\">SUMMA RATINGS S.A.<\/td><td class=\"column-3\">C-<\/td><td class=\"column-4\">C-<\/td><td class=\"column-5\">C-<\/td><td class=\"column-6\">C-<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">BANCO COMERCIAL MANABI S.A.<\/td><td class=\"column-2\">SUMMA RATINGS S.A.<\/td><td class=\"column-3\">A<\/td><td class=\"column-4\">A+<\/td><td class=\"column-5\">A+<\/td><td class=\"column-6\">AA<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">BANCO COOPNACIONAL S.A.<\/td><td class=\"column-2\">UNION RATINGS S.A.<\/td><td class=\"column-3\">AA+<\/td><td class=\"column-4\">AA+<\/td><td class=\"column-5\">AA+<\/td><td class=\"column-6\">AA+<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">BANCO D-MIRO S.A.<\/td><td class=\"column-2\">CLASS INTERNATIONAL RATING<\/td><td class=\"column-3\">A-<\/td><td class=\"column-4\">A-<\/td><td class=\"column-5\">A-<\/td><td class=\"column-6\">A+<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">BANCO DE GUAYAQUIL S.A.<\/td><td class=\"column-2\">BANK WATCH RATINGS  \/  <br \/>\nPCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AAA- \/ AAA<\/td><td class=\"column-4\">AAA- \/ AAA<\/td><td class=\"column-5\">AAA- \/ AAA<\/td><td class=\"column-6\">AAA- \/ AAA<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">BANCO DE LOJA S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AAA<\/td><td class=\"column-4\">AAA<\/td><td class=\"column-5\">AAA<\/td><td class=\"column-6\">AAA<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">BANCO DE MACHALA S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING   \/ <br \/>\nCLASS INTERNATIONAL RATING  <\/td><td class=\"column-3\">AAA- \/ AAA-<\/td><td class=\"column-4\">AAA- \/ AAA-<\/td><td class=\"column-5\">AAA- \/ AAA-<\/td><td class=\"column-6\">AAA- \/ AAA-<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">BANCO PRODUBANCO S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING \/ BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA \/ AA+<\/td><td class=\"column-4\">AAA \/ AA+<\/td><td class=\"column-5\">AAA \/ AA+<\/td><td class=\"column-6\">AAA \/ AA+<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">BANCO DEL AUSTRO S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING \/ GLOBAL RATING S.A.<\/td><td class=\"column-3\">AA+ \/ AAA-<\/td><td class=\"column-4\">AA+ \/ AAA-<\/td><td class=\"column-5\">AA+ \/ AAA-<\/td><td class=\"column-6\">AA+ \/ AAA-<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">BANCO DEL LITORAL S.A.<\/td><td class=\"column-2\">UNION RATINGS S.A.<\/td><td class=\"column-3\">A<\/td><td class=\"column-4\">A<\/td><td class=\"column-5\">A<\/td><td class=\"column-6\">A<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">BANCO PACIFICO S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AAA-<\/td><td class=\"column-4\">AAA-<\/td><td class=\"column-5\">AAA-<\/td><td class=\"column-6\">AAA-<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\">BANCO DELBANK S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">A<\/td><td class=\"column-4\">A<\/td><td class=\"column-5\">A<\/td><td class=\"column-6\">A<\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\">BANCO DESARROLLO DE LOS PUEBLOS S.A.<\/td><td class=\"column-2\">MICROFINANZA CALIFICADORA DE RIESGOS S.A. MICRORIESG<\/td><td class=\"column-3\">A-<\/td><td class=\"column-4\">A-<\/td><td class=\"column-5\">A-<\/td><td class=\"column-6\">A-<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td class=\"column-1\">BANCO GENERAL RUMI\u00d1AHUI S.A.<\/td><td class=\"column-2\">CLASS INTERNATIONAL RATING<\/td><td class=\"column-3\">AAA-<\/td><td class=\"column-4\">AAA-<\/td><td class=\"column-5\">AAA-<\/td><td class=\"column-6\">AAA-<\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td class=\"column-1\">BANCO INTERNACIONAL S.A.<\/td><td class=\"column-2\">BANK WATCH RATINGS <STRONG> *1<\/STRONG><\/td><td class=\"column-3\">AAA- \/ AAA<\/td><td class=\"column-4\">AAA- \/ AAA<\/td><td class=\"column-5\">AAA- <\/td><td class=\"column-6\">AAA- <\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td class=\"column-1\">BANCO AMIBANK S.A. (Finca)<\/td><td class=\"column-2\">SUMMA RATINGS S.A.<\/td><td class=\"column-3\">BB<\/td><td class=\"column-4\">BB-<\/td><td class=\"column-5\">BB-<\/td><td class=\"column-6\">B<\/td>\n<\/tr>\n<tr class=\"row-22\">\n\t<td class=\"column-1\">BANCO PICHINCHA C.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING \/ BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA \/ AAA-<\/td><td class=\"column-4\">AAA \/ AAA-<\/td><td class=\"column-5\">AAA \/ AAA-<\/td><td class=\"column-6\">AAA \/ AAA-<\/td>\n<\/tr>\n<tr class=\"row-23\">\n\t<td class=\"column-1\">BANCO PROCREDIT S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING \/ BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA- \/  AAA-<\/td><td class=\"column-4\">AAA- \/  AAA-<\/td><td class=\"column-5\">AAA- \/  AAA-<\/td><td class=\"column-6\">AAA- \/  AAA-<\/td>\n<\/tr>\n<tr class=\"row-24\">\n\t<td class=\"column-1\">BANCO SOLIDARIO S.A.<\/td><td class=\"column-2\">BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA-<\/td><td class=\"column-4\">AAA-<\/td><td class=\"column-5\">AAA-<\/td><td class=\"column-6\">AAA-<\/td>\n<\/tr>\n<tr class=\"row-25\">\n\t<td class=\"column-1\">BANCO VISIONFUND ECUADOR<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AA-<\/td><td class=\"column-4\">AA-<\/td><td class=\"column-5\">AA<\/td><td class=\"column-6\">AA<\/td>\n<\/tr>\n<tr class=\"row-26\">\n\t<td class=\"column-1\">BANCO DINERS CLUB DEL ECUADOR S.A.<\/td><td class=\"column-2\">BANK WATCH RATINGS \/ CLASS INTERNATIONAL RATING<\/td><td class=\"column-3\">AAA- \/ AAA<\/td><td class=\"column-4\">AAA- \/ AAA<\/td><td class=\"column-5\">AAA- \/ AAA<\/td><td class=\"column-6\">AAA- \/ AAA<\/td>\n<\/tr>\n<tr class=\"row-27\">\n\t<td colspan=\"6\" class=\"column-1\"><strong>INSTITUCIONES P\u00daBLICAS<\/td>\n<\/tr>\n<tr class=\"row-28\">\n\t<td class=\"column-1\">BANCO DE DESARROLLO DEL ECUADOR<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AAA-<\/td><td class=\"column-4\">AAA-<\/td><td class=\"column-5\">AAA-<\/td><td class=\"column-6\">AAA-<\/td>\n<\/tr>\n<tr class=\"row-29\">\n\t<td class=\"column-1\">BANECUADOR<\/td><td class=\"column-2\">UNION RATINGS S.A. <STRONG> *2<\/STRONG><\/td><td class=\"column-3\"><STRONG>(No. 1)<\/STRONG><\/td><td class=\"column-4\"><STRONG>(No. 1)<\/STRONG><\/td><td class=\"column-5\"><STRONG>(No. 1)<\/STRONG><\/td><td class=\"column-6\"><STRONG>(No. 1)<\/STRONG><\/td>\n<\/tr>\n<tr class=\"row-30\">\n\t<td class=\"column-1\">CORPORACION FINANCIERA NACIONAL<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">A<\/td><td class=\"column-4\">AA<\/td><td class=\"column-5\">AA<\/td><td class=\"column-6\">AA<\/td>\n<\/tr>\n<tr class=\"row-31\">\n\t<td class=\"column-1\">FONDO NACIONAL DE GARANTIAS<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AA+<\/td><td class=\"column-4\">AA+<\/td><td class=\"column-5\">AA+<\/td><td class=\"column-6\">AA+<\/td>\n<\/tr>\n<tr class=\"row-32\">\n\t<td class=\"column-1\">BIESS BANCO DEL IESS<\/td><td class=\"column-2\">BANK WATCH RATINGS<\/td><td class=\"column-3\">AAA-<\/td><td class=\"column-4\">AAA-<\/td><td class=\"column-5\">AAA-<\/td><td class=\"column-6\">AAA-<\/td>\n<\/tr>\n<tr class=\"row-33\">\n\t<td colspan=\"6\" class=\"column-1\"><strong>OTRAS INSTITUCIONES<\/td>\n<\/tr>\n<tr class=\"row-34\">\n\t<td class=\"column-1\">TITULARIZACION HIPOTECARIA CTH S.A.<\/td><td class=\"column-2\">PCR PACIFIC CREDIT RATING<\/td><td class=\"column-3\">AA-<\/td><td class=\"column-4\">AA-<\/td><td class=\"column-5\">AA-<\/td><td class=\"column-6\">AA-<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-252 from cache --><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d781337 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d781337\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67bb31a\" data-id=\"67bb31a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f902f06 elementor-widget elementor-widget-text-editor\" data-id=\"f902f06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>(No.1)<\/strong> En proceso de contrataci\u00f3n<\/p><p><strong>1* <\/strong>\u00a0Banco Internacional fue calificado\u00a0 a marzo y junio 2023 por Bank Watch Rating y Class International Rating.<\/p><p><strong>2*<\/strong> A diciembre 2022 BanEcuador fue calificada por Union Ratings S.A.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fed962 elementor-widget elementor-widget-heading\" data-id=\"5fed962\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Definici\u00f3n de cada escala<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c31b079 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c31b079\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5858cf6\" data-id=\"5858cf6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43c2c7b elementor-tabs-alignment-stretch elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"43c2c7b\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7101\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-7101\" aria-expanded=\"false\">AAA<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7102\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7102\" aria-expanded=\"false\">AA<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7103\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7103\" aria-expanded=\"false\">A<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7104\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7104\" aria-expanded=\"false\">BBB<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7105\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7105\" aria-expanded=\"false\">BB<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7106\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7106\" aria-expanded=\"false\">B<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7107\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7107\" aria-expanded=\"false\">C<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7108\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7108\" aria-expanded=\"false\">D<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7109\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7109\" aria-expanded=\"false\">E<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-7101\" aria-expanded=\"false\">AAA<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7101\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7101\" tabindex=\"0\" hidden=\"false\"><p>La situaci\u00f3n de la instituci\u00f3n financiera es muy fuerte y tiene una sobresaliente trayectoria de rentabilidad, lo cual se refleja en una excelente reputaci\u00f3n en el medio, muy buen acceso a sus mercados naturales de dinero y claras perspectivas de estabilidad. Si existe debilidad o vulnerabilidad en alg\u00fan aspecto de las actividades de la instituci\u00f3n, \u00e9sta se mitiga enteramente con las fortalezas de la organizaci\u00f3n;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7102\" aria-expanded=\"false\">AA<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7102\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7102\" tabindex=\"0\" hidden=\"hidden\"><p>La instituci\u00f3n es muy s\u00f3lida financieramente, tiene buenos antecedentes de desempe\u00f1o y no parece tener aspectos d\u00e9biles que se destaquen. Su perfil general de riesgo, aunque bajo, no es tan favorable como el de las instituciones que se encuentran en la categor\u00eda m\u00e1s alta de calificaci\u00f3n;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7103\" aria-expanded=\"false\">A<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7103\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7103\" tabindex=\"0\" hidden=\"hidden\"><p>La instituci\u00f3n es fuerte, tiene un s\u00f3lido r\u00e9cord financiero y es bien recibida en sus mercados naturales de dinero. Es posible que existan algunos aspectos d\u00e9biles, pero es de esperarse que cualquier desviaci\u00f3n con respecto a los niveles hist\u00f3ricos de desempe\u00f1o de la entidad sea limitada y que se superar\u00e1 r\u00e1pidamente. La probabilidad de que se presenten problemas significativos es muy baja, aunque de todos modos ligeramente m\u00e1s alta que en el caso de las instituciones con mayor calificaci\u00f3n;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7104\" aria-expanded=\"false\">BBB<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7104\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7104\" tabindex=\"0\" hidden=\"hidden\"><p>Se considera que claramente esta instituci\u00f3n tiene buen cr\u00e9dito. Aunque son evidentes algunos obst\u00e1culos menores, \u00e9stos no son serios y\/o son perfectamente manejables a corto plazo;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7105\" aria-expanded=\"false\">BB<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7105\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7105\" tabindex=\"0\" hidden=\"hidden\"><p>La instituci\u00f3n goza de un buen cr\u00e9dito en el mercado, sin deficiencias serias, aunque las cifras financieras revelan por lo menos un \u00e1rea fundamental de preocupaci\u00f3n que le impide obtener una calificaci\u00f3n mayor. Es posible que la entidad haya experimentado un per\u00edodo de dificultades recientemente, pero no se espera que esas presiones perduren a largo plazo. La capacidad de la instituci\u00f3n para afrontar imprevistos, sin embargo, es menor que la de organizaciones con mejores antecedentes operativos:<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7106\" aria-expanded=\"false\">B<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7106\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7106\" tabindex=\"0\" hidden=\"hidden\"><p>Aunque esta escala todav\u00eda se considera como cr\u00e9dito aceptable, la instituci\u00f3n tiene algunas deficiencias significativas. Su capacidad para manejar un mayor deterioro est\u00e1 por debajo de las instituciones con mejor calificaci\u00f3n;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7107\" aria-expanded=\"false\">C<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7107\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7107\" tabindex=\"0\" hidden=\"hidden\"><p>Las cifras financieras de la instituci\u00f3n sugieren obvias deficiencias, muy probablemente relacionadas con la calidad de los activos y\/o de una mala estructuraci\u00f3n del balance. Hacia el futuro existe un considerable nivel de incertidumbre. Es dudosa su capacidad para soportar problemas inesperados adicionales;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7108\" aria-expanded=\"false\">D<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7108\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7108\" tabindex=\"0\" hidden=\"hidden\"><p>La instituci\u00f3n tiene considerables deficiencias que probablemente incluyen dificultades de fondeo o de liquidez. Existe un alto nivel de incertidumbre sobre si esta instituci\u00f3n podr\u00e1 afrontar problemas adicionales;<\/p><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7109\" aria-expanded=\"false\">E<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7109\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7109\" tabindex=\"0\" hidden=\"hidden\"><p>la instituci\u00f3n afronta problemas muy serios y por lo tanto existe duda sobre si podr\u00e1 continuar siendo viable sin alguna forma de ayuda externa, o de otra naturaleza.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-13174b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13174b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5f0aa0\" data-id=\"b5f0aa0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e69b5d elementor-alert-success elementor-widget elementor-widget-alert\" data-id=\"1e69b5d\" data-element_type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">A las categor\u00edas descritas se pueden asignar los signos (+) o (-) para indicar su posici\u00f3n relativa dentro de la respectiva categor\u00eda.<\/span>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4fdaae9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4fdaae9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d320a84\" data-id=\"d320a84\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3691586 elementor-widget elementor-widget-heading\" data-id=\"3691586\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Calificaciones otros a\u00f1os<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3ed5e6a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ed5e6a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d72057\" data-id=\"0d72057\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45fcb69 elementor-widget elementor-widget-eael-image-accordion\" data-id=\"45fcb69\" data-element_type=\"widget\" data-widget_type=\"eael-image-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t    <div class=\"eael-img-accordion accordion-direction-horizontal eael-img-accordion-horizontal-align-center eael-img-accordion-vertical-align-center\" id=\"eael-img-accordion-45fcb69\" data-img-accordion-id=\"45fcb69\" data-img-accordion-type=\"on-hover\">\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/04\/nota-Liquidacion-Amibank.jpg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2024\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2024<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/nota_ampliacion_plazo_concurso_meritos_2023-IAjO_oQwn-transformed-1.jpeg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2023\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2023<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/Catastro-de-Companias-1.jpg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2022\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2022<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/Supervision-Basada-en-Riesgos-1.jpg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2021\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2021<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/nota-info-intermitencia-servicios-1.jpg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2020\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2020<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/Global-Money-Week-1.jpeg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2019\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2019<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                    \n            <div class=\"eael-image-accordion-hover eael-image-accordion-item\" style=\"background-image: url(https:\/\/www.superbancos.gob.ec\/bancos\/wp-content\/uploads\/2025\/01\/foto-edificio-SB.jpeg);\"  tabindex=\"0\">\n                <div class=\"overlay\">\n                                        <div class=\"overlay-inner \">\n                        <a href=\"https:\/\/www.superbancos.gob.ec\/bancos\/calificacion-de-riesgo-instituciones-financieras-2018\"><h3 class=\"img-accordion-title\">Calificaci\u00f3n 2018<\/h3><\/a>                    <\/div>\n                <\/div>\n            <\/div>\n                <\/div>\n        <style typr=\"text\/css\">\n                    #eael-img-accordion-45fcb69 .eael-image-accordion-hover:hover {\n                        flex: 3 1 0% !important;\n                    }\n                    #eael-img-accordion-45fcb69 .eael-image-accordion-hover:hover:hover .overlay-inner * {\n                        opacity: 1;\n                        visibility: visible;\n                        transform: none;\n                        transition: all .3s .3s;\n                    }\n                <\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>La solvencia y la capacidad de las entidades del sistema financiero nacional para administrar los riesgos con terceros y cumplir sus obligaciones con el p\u00fablico ser\u00e1 calificada sobre la base de par\u00e1metros m\u00ednimos que incluyan una escala uniforme de calificaci\u00f3n de riesgo por sectores financieros, de acuerdo con las normas que al respecto emita la [&hellip;]<\/p>\n","protected":false},"author":832,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[200,117,152],"class_list":["post-29197","post","type-post","status-publish","format-standard","hentry","category-entidades-controladas","tag-ancho-completo","tag-superintendencia-de-bancos","tag-transparencia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Calificaci\u00f3n de Riesgo Instituciones Financieras 2023 - Superintendencia de 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