success story

Banco Pichincha Improves Profitability

TCS BaNCS for Core Banking helps lower cost to income ratio and enhance productivity

Banco Pichincha
Core Banking


Banco Pichincha wanted to strengthen its market leadership by rolling out new products.

Faced with the emergence of innovative service distribution channels and increasingly granular customer segments, Banco Pichincha needed to expand its portfolio and roll out new services. This meant modernizing its technology landscape and transform its core banking system to become more efficient and drive growth. They selected TCS BaNCS for Core Banking as its technology partner to lead the transformation initiative.


TCS BaNCS helps Banco Pichincha improve profitability with a core banking platform.

Working in collaboration with the bank’s internal team, TCS BaNCS ensured business continuity during the migration by deploying and running the TCS BaNCS platform in parallel with the bank’s existing core banking system. Banco Pichincha’s assets and liabilities solutions were also integrated with their sales channels while implementing the necessary process and workflow changes.

TCS BaNCS for Core Banking enabled Banco Pichincha to:

  • Increase the adoption of low-cost virtual service channels for customers

  • Expand footprint in the microfinance market

  • Achieve higher sales volumes and drive profitability

  • Deliver more products with greater segmentation and improve customer retention



Banco Pichincha improves operational efficiency and increases client-to-product ratio.

With TCS BaNCS, Banco Pichincha has been able to enhance the overall productivity and retain its market leadership by:

  • Reducing IT spend and OPEX

  • Correcting efficiency ratio in line with industry standards

  • Increasing profitability ratio

  • Expanding the loan portfolio


increase in profitability ratio


improvement in productivity


decrease in efficiency ratio


reduction in IT spend and OPEX

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