The Banco del Instituto Ecuatoriano de Seguridad Social (BIESS) announced on April 28 that it achieved an investment portfolio return of 8.89 percent for the year 2025, surpassing its required actuarial rate by 2.64 percentage points.
This information was presented during BIESS’s annual accountability event in Quito, where General Manager Marco Acosta outlined the institution’s financial results and activities for the year. The bank reported a global investment portfolio of USD 28.284 billion, reflecting an eight percent increase compared to the previous year.
According to Acosta, total placements in investments and loans reached USD 8.394 billion during this period. In credit operations alone, BIESS disbursed USD 5.099 billion across more than 2.9 million transactions, with unsecured loans accounting for USD 4.475 billion of that total.
The bank also highlighted its loan recovery efforts in various segments: USD 156 million was recovered from mortgage loans, USD 15 million from unsecured loans, and USD 49 million from pledge-backed loans.
A significant development cited by BIESS was the implementation of the Ley de Fortalecimiento Crediticio (Credit Strengthening Law), which allowed for actions such as returning closed complementary provisional funds and reactivating previously stalled real estate projects.
Looking ahead, Acosta said that as of the first quarter of 2026, BIESS had achieved a record-high investment portfolio yield of nine percent. He also pointed to diversification initiatives like Plan Credicasa—which has received over one thousand applications totaling more than USD fifty-five million—as part of ongoing efforts to expand credit offerings.
