{"id":178,"date":"2018-11-26T10:12:08","date_gmt":"2018-11-26T15:12:08","guid":{"rendered":"http:\/\/192.168.231.90\/bandesarrollo\/?page_id=178"},"modified":"2026-04-27T12:47:28","modified_gmt":"2026-04-27T17:47:28","slug":"transparencia","status":"publish","type":"page","link":"https:\/\/www.bancodesarrollo.fin.ec\/index.php\/transparencia\/","title":{"rendered":"Transparencia"},"content":{"rendered":"

[et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.0.5″ background_image=\u00bbhttps:\/\/www.bancodesarrollo.fin.ec\/wp-content\/uploads\/2019\/02\/MANOS_3.jpg\u00bb collapsed=\u00bbon\u00bb][et_pb_row column_structure=\u00bb2_3,1_3″ _builder_version=\u00bb3.25″][et_pb_column type=\u00bb2_3″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb3.27.4″ header_font=\u00bbPoppins|600|on||||||\u00bb header_text_color=\u00bb#ffffff\u00bb header_font_size=\u00bb38px\u00bb background_color=\u00bb#0076c0″ max_width=\u00bb47%\u00bb custom_margin=\u00bb|||0px\u00bb custom_padding=\u00bb9px|||17px\u00bb]<\/p>\n

TRANSPARENCIA<\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb3.22″ background_color=\u00bb#ededed\u00bb custom_padding=\u00bb60px|0px|54px|0px|false|false\u00bb][et_pb_row _builder_version=\u00bb3.25″ custom_margin=\u00bb-60px|auto||auto||\u00bb custom_padding=\u00bb29px|||||\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ text_font=\u00bbPoppins||||||||\u00bb text_text_color=\u00bb#000000″ text_line_height=\u00bb1em\u00bb link_text_color=\u00bb#0c71c3″ width=\u00bb100%\u00bb hover_enabled=\u00bb0″]<\/p>\n

TASAS DE INTER\u00c9S Y TARIFAS POR SERVICIOS<\/strong><\/h4>\n

 <\/p>\n

Tasas de inter\u00e9s<\/strong><\/a><\/h6>\n
<\/strong><\/a>Tarifas de servicios financieros<\/a><\/strong><\/strong><\/a><\/h6>\n

 <\/p>\n

INFORMACI\u00d3N FINANCIERA<\/strong><\/h4>\n

 <\/p>\n

    \n
  1. Indicadores financieros, m\u00e9todo CAMEL (capital, calidad de activos, manejo administrativo,rentabilidad y liquidez)<\/li>\n<\/ol>\n
    Indicadores al 31 de diciembre de 2025<\/a><\/strong><\/a><\/h6>\n

    (Comparable con indicadores al 31 de diciembre de 2024)<\/p>\n

     <\/p>\n

      \n
    1. Relaci\u00f3n de patrimonio t\u00e9cnico frente a los activos y contingentes ponderados por riesgo<\/li>\n<\/ol>\n
      Patrimonio t\u00e9cnico al\u00a0<\/strong>31 de diciembre de 2025<\/strong><\/a><\/h6>\n

      (Comparado con el patrimonio t\u00e9cnico al 31 de diciembre de 2024)<\/p>\n

       <\/p>\n

        \n
      1. Estados financieros (situaci\u00f3n y resultados)<\/li>\n<\/ol>\n
        Balance General al\u00a0<\/strong>31 de diciembre de 2025<\/strong><\/a><\/h6>\n

        (Comparado con informaci\u00f3n al 31 de diciembre de 2024)<\/p>\n

        Estado de P\u00e9rdidas y Ganancias al\u00a0<\/strong>31 de diciembre de 2025<\/strong><\/a><\/h6>\n

        (Comparado con informaci\u00f3n al 31 de diciembre de 2024)<\/p>\n

         <\/p>\n

          \n
        1. Resumen de calificaci\u00f3n de activos de riesgo (Incluye Provisiones Generales)<\/li>\n<\/ol>\n
          Al 31 de diciembre de 2025<\/strong><\/a><\/h6>\n
          Al 30 de septiembre de 2025<\/strong><\/a><\/h6>\n
            \n
          1. Calificaci\u00f3n de Riesgos y Fundamentos<\/li>\n<\/ol>\n
            Al 31 de diciembre de 2025<\/strong><\/a><\/h6>\n

            (Otorgada por la Calificadora de Riesgos S.A. Class International Rating)<\/p>\n

            Al 30 de septiembre de 2025<\/strong><\/a><\/h6>\n

            (Otorgada por la Calificadora de Riesgos S.A. Class International Rating)<\/p>\n

             <\/p>\n

             <\/p>\n

            BANCODE INFO<\/strong><\/a><\/h4>\n

             <\/p>\n

            INDICADORES DE G\u00c9NERO
            <\/strong><\/h4>\n
            Indicadores de g\u00e9nero 4to. trimestre 2023<\/a><\/h6>\n
            Indicadores de g\u00e9nero 3er. trimestre 2023<\/a><\/h6>\n
            Indicadores de g\u00e9nero 2do. trimestre 2023<\/a><\/h6>\n
            Indicadores de g\u00e9nero 1er. trimestre 2023<\/span><\/strong><\/a><\/h6>\n

            <\/strong><\/p>\n

            <\/strong><\/p>\n

            T\u00c9RMINOS Y CONDICIONES DE CODE M\u00d3VIL<\/strong><\/a><\/h4>\n

            POL\u00cdTICA DE PRIVACIDAD Y PROTECCI\u00d3N DE DATOS PERSONALES<\/a><\/strong><\/h4>\n

            CONTRATOS PRODUCTOS Y SERVICIOS<\/a><\/strong><\/h4>\n

             <\/p>\n

            POL\u00cdTICA DE GESTI\u00d3N DE RIESGO AMBIENTAL Y SOCIAL<\/strong><\/a><\/h4>\n

             <\/p>\n

            RESOLUCIONES E INFORMACI\u00d3N PARA CLIENTES
            <\/strong><\/h4>\n
            Resoluci\u00f3n JPRF-F-2024-0120<\/a><\/h6>\n
            Instructivo Resoluci\u00f3n JPRF-F-2024-0120<\/a><\/h6>\n
            Resoluci\u00f3n JPRF-F-2024-0123<\/a><\/h6>\n

            <\/strong><\/p>\n

             <\/p>\n

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            [et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.0.5″ background_image=\u00bbhttps:\/\/www.bancodesarrollo.fin.ec\/wp-content\/uploads\/2019\/02\/MANOS_3.jpg\u00bb collapsed=\u00bbon\u00bb][et_pb_row column_structure=\u00bb2_3,1_3″ _builder_version=\u00bb3.25″][et_pb_column type=\u00bb2_3″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb3.27.4″ header_font=\u00bbPoppins|600|on||||||\u00bb header_text_color=\u00bb#ffffff\u00bb header_font_size=\u00bb38px\u00bb background_color=\u00bb#0076c0″ max_width=\u00bb47%\u00bb custom_margin=\u00bb|||0px\u00bb custom_padding=\u00bb9px|||17px\u00bb] TRANSPARENCIA [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb3.22″ background_color=\u00bb#ededed\u00bb custom_padding=\u00bb60px|0px|54px|0px|false|false\u00bb][et_pb_row _builder_version=\u00bb3.25″ custom_margin=\u00bb-60px|auto||auto||\u00bb custom_padding=\u00bb29px|||||\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ text_font=\u00bbPoppins||||||||\u00bb text_text_color=\u00bb#000000″ text_line_height=\u00bb1em\u00bb link_text_color=\u00bb#0c71c3″ width=\u00bb100%\u00bb hover_enabled=\u00bb0″] TASAS DE INTER\u00c9S Y TARIFAS POR SERVICIOS   Tasas de inter\u00e9s Tarifas […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_joinchat":[],"footnotes":""},"class_list":["post-178","page","type-page","status-publish","hentry"],"yoast_head":"\nTransparencia - 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