Superintendencia de Bancos
Superintendencia de Bancos is Ecuador's constitutional banking regulatory agency, supervising and controlling all banks and financial entities operating in the country, plus protecting financial services users, through a risk-based supervision methodology aligned to Basel III standards.
- Company typePrivate
- Founded1927
- HeadquartersQuito, Ecuador
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Superintendencia de Bancos does
Superintendencia de Bancos del Ecuador (SB) is the constitutional banking regulatory agency of the Republic of Ecuador, operating under Article 204 of the national Constitution. Its mandate covers supervision and control of banks, auxiliary service companies, and other financial entities operating in Ecuador, as well as protection of financial services users. The institution is headquartered in Quito with regional intendancies in Guayaquil, Cuenca, and Portoviejo, and serves the entire Ecuadorian financial system including all licensed institutions and citizens using financial services.
SB operates a Risk-Based Supervision (SBR) methodology aligned to Basel III international standards, implemented from March 2020 with technical support from Toronto Centre, the Alliance for Financial Inclusion (AFI), CAF (Development Bank of Latin America), and ASBA. Its technology stack comprises a suite of mandatory digital systems: the Registro Crediticio (RDC) for credit data, Catastro Público for authorized entity registry, Portal de Estadísticas for balance-sheet and technical capital data, RVC for compliance verification, SPIWeb for identification queries, Calificaciones SB for institutional risk ratings, and CampusSB for financial education. A chatbot called SARA supports user-facing automation. The institution received ISO 37001:2016 Anti-Bribery Management System certification from AENOR in March 2021.
As a constitutional public entity, SB is funded through the Ecuadorian state budget and does not generate commercial revenue. Its distribution combines a four-office physical network with self-serve digital channels for both supervised entities and citizens. SB reports annually through public accountability (Rendición de Cuentas) to CPCCS and is subject to oversight by the Contraloría General del Estado. In 2025-2026, SB detected 68 unauthorized financial entities operating in the country under Article 143 of the COMF law, illustrating active enforcement of its statutory mandate.
Superintendencia de Bancos firmographics
Firmographics- Name
- Superintendencia de Bancos
- Legal name
- Superintendencia de Bancos del Ecuador
- Website
- https://superbancos.gob.ec
- Company type
- Private
- Founded year
- 1927
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Superintendencia de Bancos is Ecuador's constitutional banking regulatory agency, supervising and controlling all banks and financial entities operating in the country, plus protecting financial services users, through a risk-based supervision methodology aligned to Basel III standards.
- Ownership category
- akta.pro rank
Superintendencia de Bancos industry classification
Industry- Product category
- Banking Regulation and Supervision
- NAICS
- Offices of Bank Holding Companies (551111)
- SIC
- Federal & Federally-Sponsored Credit Agencies (6111)
- akta.pro primary industry
- Financial Services Regulators (Banking, Securities, Insurance) (BPAIAOAK)
- akta.pro secondary industries
- Sanctions, Compliance & Financial Crime Controls (KYC/AML Screening for Correspondents) (FSABAJAL), Compliance, Audit & Regulatory Services for Collections (FSAKAJAL)
Keywords
Where Superintendencia de Bancos is headquartered
LocationHeadquarters
- HQ city
- Quito
- HQ country
- Ecuador
- HQ region
- Latin America
Offices4 records
Markets served
Superintendencia de Bancos business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Distribution channels3 records
Marketing channels7 records
Superintendencia de Bancos product offering
Product offeringCore offering
The Superintendencia de Bancos is Ecuador's constitutional banking regulatory agency that supervises and controls banks, auxiliary service companies, and other financial entities operating in the country. It operates a Risk-Based Supervision (SBR) methodology aligned with Basel III international standards, maintains public registries of authorized entities and credit data, issues credit ratings for financial institutions, and provides consumer protection services including complaint resolution for financial users.
Product overview
Superintendencia de Bancos operates as a government regulatory body for Ecuador's banking and financial system. The organization provides a unified platform of internal systems and public-facing services including the Credit Data Registry (RDC) for credit information management, a Public Registry (Catastro Público) for authorized financial entities, a Statistics Portal for balance sheets and technical capital data, judicial provisions systems for legal proceedings, a Company Registry System, Electronic Obligation Certificates, the RVC Compliance Verification System, CampusSB educational platform, Identification Query system, Credit Ratings system, and document submission tools. These products work together to enable supervision, regulation, and transparency in Ecuador's financial sector.
Differentiator
Problem solved
Functional benefit
Brands
- CampusSB: Online learning platform for financial education - 'Tu facultad de aprender' (Your faculty of learning)
- SARA
Products and services
- Registro Crediticio / Titulares de Cuenta (RDC) Credit data registry system that allows financial users in Ecuador to register and query their credit information and account holder data. Available free of charge to citizens.
- Catastro Público Public registry providing information about financial entities authorized to operate in Ecuador, allowing citizens and businesses to verify the legitimacy of financial institutions.
- Portal de Estadísticas Statistics portal providing Balances Generales (General Balance Sheets) and Patrimonio Técnico (Technical Capital) data for supervised financial entities in Ecuador.
- Sistema de Providencias Judiciales Judicial provisions system used by the SB for managing legal proceedings related to supervised financial entities in Ecuador.
- Sistema de Catastro de Compañías Company registry system for registering and managing information about companies supervised by the Superintendencia de Bancos in Ecuador.
- Certificado Electrónico de Obligaciones Electronic certificate system that provides documentation of financial obligations of entities supervised by the SB in Ecuador.
- Sistema RVC (Registro de Verificación de Cumplimiento) Compliance verification registry system used by financial entities to demonstrate and verify regulatory compliance with SB requirements in Ecuador.
- CampusSB Online educational platform for training and learning related to banking supervision and financial services, positioned as the SB's faculty of learning for financial education in Ecuador.
- Consulta de Identificaciones (SPIWeb) Identification query system (SPIWeb) used to verify identities in financial transactions processed through the Superintendencia de Bancos.
- Calificaciones SB Credit rating system that provides risk ratings for financial institutions and auxiliary service companies supervised by the SB in Ecuador.
- Providencias Judiciales – Coactivas Coactive judicial provisions system used by the SB for enforcement actions against financial entities that fail to comply with regulatory requirements.
- Guía de Ingreso de Documentos Document submission guide system that provides procedures for entities controlled by the Superintendencia de Bancos to submit required documentation in Ecuador.
Companies that use Superintendencia de Bancos
Customer profileSegments3 records
Ideal customer profiles3 records
Superintendencia de Bancos technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Superintendencia de Bancos partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- AENOR (Asociación Española de Normalización y Certificación)coreAENOR certified the Superintendencia de Bancos del Ecuador with ISO 37001:2016 Anti-Bribery Management System certification. Diego Herranz, Director General of AENOR, stated that the certification contributes to transparency and aligns organizations with their values.
- Toronto Centre LeadershipcoreInternational organization providing leadership training and expertise in supervision methodologies. Contributed to development of risk-based supervision methodology with experts like Alicia Novoa and Juan Pablo Arango participating in workshops.
- AFI (Alianza para la Inclusión Financiera)coreInternational organization dedicated to financial inclusion. Executive Director Alfred Hannign participated in SB workshops on risk-based supervision methodology.
- CAF (Development Bank of Latin America)coreDevelopment bank providing expertise and cooperation. Senior Specialist Diana Mejía participated in SB supervision workshops.
- ASBA (Asociación de Supervisores Bancarios de las Américas)coreAssociation of Banking Supervisors of the Americas. Secretary General Pascual O'Dogherty participated in SB workshops on risk-based supervision methodology.
- UISEK (Universidad Internacional SEK)coreOn June 18, 2026, SB and UISEK signed an agreement to promote academic and professional training. The partnership aims to strengthen education in banking and financial topics.
- EquifaxcoreIn May 2026, SB and Equifax strengthened information security through a training program. Equifax provides credit data services that SB regulates and oversees.
- UNODC (United Nations Office on Drugs and Crime)coreSB participated in a workshop on prevention of money laundering organized by UNODC, strengthening international cooperation in anti-money laundering efforts.
- Superintendencia de Bancos de ColombiaminorColombian banking superintendent led by Superintendent Jorge Castaño, participated in SB workshops sharing best practices in risk-based supervision.
- Banco Central del EcuadorcoreGovernor Guillermo Avellán participated in SB workshops on risk-based supervision methodology, supporting coordination on monetary and financial stability matters.
Scale indicators2 records
Recent moves7 records
Expansion highlights5 records
Superintendencia de Bancos competitors and assessment
Company assessmentDirect peers
- Superintendencia de Bancos de Guatemala: Guatemala's banking superintendency with statutory authority over banks and financial entities. Directly comparable as a Central American peer banking regulator with similar supervisory mandate and consumer protection function.
- Comisión Nacional Bancaria y de Valores (CNBV): Mexico's national banking and securities commission supervising banks, brokerages, and other financial entities. Directly comparable as a Latin American banking regulator with statutory authority, multi-platform digital services, and Basel-aligned standards.
- Superintendencia de Instituciones Financieras de Chile (SIF): Chile's former Superintendencia de Bancos e Instituciones Financieras, now merged into the Comisión para el Mercado Financiero. Directly comparable as a Chilean banking regulator with risk-based supervision and Basel III alignment.
- Superintendencia Financiera de Colombia: Colombia's integrated financial superintendency that supervises banking, securities, and insurance. Directly comparable as a Latin American banking regulator with a similar mandate to oversee financial system stability, consumer protection, and Basel-aligned supervision.
- Superintendencia de Banca y Seguros del Perú (SBS): Peru's banking and insurance superintendency with constitutional authority over financial system supervision. Directly comparable as a regional peer with similar Basel III implementation, risk-based supervision methodology, and consumer protection mandate.
- Superintendencia del Sistema Financiero de El Salvador: El Salvador's financial system superintendency supervising banks, insurance, and securities. Directly comparable as a Central American banking regulator with similar constitutional authority and consumer protection mandate.
- Superintendencia de Bancos de Panamá: Panama's banking superintendency with statutory authority over banks and financial entities. Directly comparable as a Central American peer banking regulator with similar supervisory responsibilities and Basel alignment.
- Superintendencia de Bancos de República Dominicana: Dominican Republic's banking superintendency overseeing banks and financial entities. Directly comparable as a Caribbean/Latin American banking regulator with similar supervisory framework and risk-based methodology.
- Autoridad de Supervisión del Sistema Financiero de Bolivia (ASFI): Bolivia's financial system supervision authority overseeing banks and financial entities. Directly comparable as a South American Andean-region banking regulator with parallel regulatory mandate and consumer protection function.
Broad incumbents
- Banco Central del Ecuador (BCE): Ecuador's central bank, a direct partner of SB that participates in monetary and financial stability workshops. Comparable as a broader Ecuadorian financial system incumbent with overlapping stability mandate, though focused on monetary policy rather than banking supervision.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Superintendencia de Bancos social profiles
Digital presenceSuperintendencia de Bancos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Superintendencia de Bancos leadership team
Management profileNumber of profiles
Profiles3 records
Superintendencia de Bancos funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Superintendencia de Bancos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Superintendencia de Bancos
What does Superintendencia de Bancos do?
The Superintendencia de Bancos is Ecuador's constitutional banking regulatory agency that supervises and controls banks, auxiliary service companies, and other financial entities operating in the country. It operates a Risk-Based Supervision (SBR) methodology aligned with Basel III international standards, maintains public registries of authorized entities and credit data, issues credit ratings for financial institutions, and provides consumer protection services including complaint resolution for financial users.
Is Superintendencia de Bancos a public or private company?
Superintendencia de Bancos is a private company. It is classified as state government owned and is currently operating.
When was Superintendencia de Bancos founded?
Superintendencia de Bancos was founded in 1927. It employs 101 to 250 people.
Where is Superintendencia de Bancos based?
Superintendencia de Bancos is headquartered in Quito, Ecuador, in the Latin America region.
Who are Superintendencia de Bancos's main competitors?
Direct peers on record are Superintendencia de Bancos de Guatemala, Comisión Nacional Bancaria y de Valores (CNBV), Superintendencia de Instituciones Financieras de Chile (SIF), Superintendencia Financiera de Colombia, Superintendencia de Banca y Seguros del Perú (SBS), Superintendencia del Sistema Financiero de El Salvador, Superintendencia de Bancos de Panamá, Superintendencia de Bancos de República Dominicana and Autoridad de Supervisión del Sistema Financiero de Bolivia (ASFI). Banco Central del Ecuador (BCE) is listed as a broad incumbent.
Does Superintendencia de Bancos have an API?
No public API is recorded for Superintendencia de Bancos.
What industry is Superintendencia de Bancos in?
Superintendencia de Bancos's product category is Banking Regulation and Supervision. Its primary akta.pro industry code is BPAIAOAK, Financial Services Regulators (Banking, Securities, Insurance), with a secondary code of FSABAJAL, Sanctions, Compliance & Financial Crime Controls (KYC/AML Screening for Correspondents). Its NAICS code is 551111 and its SIC code is 6111.