Superintendencia Financiera de Colombia (SFC): regulatory returns

What this page covers

About 39 returns, selected as the most-filed prudential and financial returns from the SFC's own master catalogue of reporting formats (its 'Índice de Formatos' and 'Índice de Proformas', found from the SFC's 'Índice de Reportes de Información a la Superintendencia Financiera' hub page): roughly 175 formats in all, each with a number, a name, a periodicity, the Circular Externa that created or last changed it, and which of about 40 named entity types must file it. This page covers banks and other credit institutions (solvency, net stable funding, large exposures, liquidity risk, interest rate risk in the banking book, the legal cash reserve, the main weekly balance-sheet accounts, the new loan-level MURIC credit-data module, and others); insurers (adequate capital, technical reserves, underwriting results); pension and severance-fund administrators and trust companies (solvency, fund valuation, members); securities firms and collective-investment-fund managers (solvency, liquidity, returns, commissions); financial conglomerates (related parties, aggregate exposure limits); and one cross-sector return, daily consumer complaints through the SFC's Smartsupervision system. Left out: the roughly 135 other formats in the index, most of them narrower, sector-specific or less frequently filed returns (for example agricultural investment declarations, SOAT motor-insurance tariff codes, individual statistical returns for small development funds, and several formats the index itself marks as repealed or being phased out); the SFC's statistical and monetary-policy data collections for the Banco de la República; and the separate Anti-Money Laundering and Counter-Terrorist Financing (SARLAFT) regime, whose suspicious-operation reports go mainly to Colombia's financial intelligence unit (UIAF), not catalogued here as SFC returns. Source

How firms file

• RAS and WEB

  The SFC's two long-standing reporting channels: RAS, a structured file-transmission channel (its own documents do not expand what the letters stand for), used mainly for Plan Único de Cuentas (PUC)-coded financial-statement and risk data; and WEB, the SFC's own browser-based reporting application, used for forms filled in online or uploaded as files. Most of the returns in this library are filed through one or both of these channels. Source

• MURIC

  Módulo Único de Reporte de Información de Cartera: a newer module, created by Circular Externa 016 de 2025, through which lenders submit loan-level credit-portfolio data as Apache Avro (.avro) files through a web API, replacing some of the older, more aggregated credit-portfolio formats. Source

• Smartsupervision

  A machine-to-machine web-service channel supervised entities use to report consumer complaints to the SFC as they are lodged and handled. Source

Data the SFC publishes from the returns

• Estados Financieros de las entidades vigiladas bajo NIIF

  Firm by firm · Dynamic web application / Power BI dashboard

  Financial statements under IFRS (NIIF) for supervised entities, published through a dynamic web application and a Power BI dashboard, covering banks, insurers, pension and severance funds, trust companies and securities firms alike. The SFC does not say which published figures come from which specific format by name. Source

  From: Formato 281, Formato 351

  Reuse: The SFC's Términos y condiciones apply (see the licence block): free use, redistribution and adaptation with the exact citation given, unaltered.

• Informe del cumplimiento del nivel adecuado de capital de los Conglomerados Financieros

  Firm by firm · PDF, published periodically

  A periodic report (a December 2025 edition was current when read) on whether each financial conglomerate meets the SFC's adequate-capital requirement at the consolidated conglomerate level. Source

  From: Formato 403

  Reuse: The SFC's Términos y condiciones apply (see the licence block).

• Estadísticas de quejas

  Added up across firms · Not confirmed so far (web pages; no file format checked).

  Aggregate statistics on complaints against supervised entities, and a quarterly report on how banks and their consumer ombudsmen have handled complaints. The SFC does not say these come from the Smartsupervision daily feed by name. Source

  From: Formatos 410-411

  Reuse: The SFC's Términos y condiciones apply (see the licence block).

• Reporte consolidado de activos fideicomitidos por entidad

  Firm by firm · Not confirmed so far.

  Assets held in trust, by trust company, a broader dataset than any single trust-sector format in this library. Source

  Reuse: The SFC's Términos y condiciones apply (see the licence block).

Reuse terms for the SFC's documents

Superintendencia Financiera de Colombia: Términos y condiciones (Portal data policy, under Ley 1712 de 2014), checked 13 November 2026. In the SFC's words:

Los datos y la información publicados en este Portal son públicos [...] se podrá hacer uso, aprovechamiento y/o transformación de forma libre y sin restricciones [...] deberá hacer la cita textual: "Fuente: Superintendencia Financiera de Colombia www.superfinanciera.gov.co".

Can others share copies?

Allowed with conditions.

Conditions

Give the exact citation "Fuente: Superintendencia Financiera de Colombia www.superfinanciera.gov.co", give the date of the data's last update where the data carries one, and never distort the meaning of the data or information.

What the library does

Links each document on the regulator's own site, with its size and SHA-256 fingerprint so a change can be spotted. Documents are never hosted on line4.ai.

Notice the SFC's terms ask for: Fuente: Superintendencia Financiera de Colombia www.superfinanciera.gov.co

What could not be verified

Said plainly, so nobody relies on a fact the sources do not give.

• The master spreadsheets (Índice de Formatos, Índice de Proformas) list about 175 reporting formats in total; this page selects about 39 of the most-filed prudential and financial ones, preferring banks, insurers, pension funds and securities-market participants, as the brief asked. The other roughly 135 formats (narrower sector returns, statistical collections for the Banco de la República, SOAT motor-insurance codes, agricultural investment declarations and others) are not catalogued here.
• Individual Circular Externa texts named as a format's legal basis were read for only a handful of cases (Circular Externa 043 de 1994, the Circular Básica Contable y Financiera and Circular Básica Jurídica hub pages, the two MURIC circulars, and the legal cash-reserve calendar); for every other format on this page, the exact filing deadline, and any format-specific validation rules beyond the general Capítulo XVI checks, were not confirmed so far and are recorded as such in each return's deadline and validation rules fields.
• Formato 423's entity-type marking in the Índice de Formatos reads COMFIN (finance companies) rather than SCB (stockbroking firms), even though the format's own title names stockbroking and investment-management companies; this looks like a transcription slip in the SFC's own spreadsheet, not confirmed either way so far, and is flagged in that return's who files text.
• MURIC's own change log names filers by internal SFC entity-type codes (for example types 1, 2, 4, 22 and 32) without a decode table on the pages read so far, so this page does not say in plain English exactly which institution types those codes mean.
• Circular Externa 016 de 2025 and Circular Externa 002 de 2026, both about MURIC, are scanned PDFs with no extractable text (confirmed with pdfinfo); this page's description of them comes from the MURIC page's own prose summary, not from reading the scanned circulars directly.
• The SFC's separate Anti-Money Laundering and Counter-Terrorist Financing (SARLAFT) reporting regime, and its statistical and monetary-policy data collections made on behalf of the Banco de la República, were not examined so far.
• The official market-risk VaR reporting matrix and its two annexes (linked from the Reportes hub page) were found but not opened so far, so Formato 386's templates and validation rules are not itemised beyond what the master spreadsheets state.
• No SFC page stating the current number of supervised entities by type was read so far, so the size of the supervised population is not given on this page.

Sources

• Índice de Reportes de Información a la Superintendencia Financiera
• Índice de Formatos
• Índice de Proformas
• Reportes (Interés del Vigilado)
• Guías para el Reporte de Información
• Módulo Único de Reporte de Información de Cartera (MURIC)
• Circular Básica Contable y Financiera (Circular Externa 100 de 1995)
• Circular Básica Jurídica (Circular Externa 006 de 2025)
• Capítulo XVI: Validaciones Previas a la Transmisión o Retransmisión de Estados Financieros Vía RAS
• Circular Externa No. 043 de 1994
• Calendario para el Formato 443
• Establecimientos de crédito (Industrias Supervisadas)
• Estados Financieros de las entidades vigiladas bajo NIIF
• Informe del cumplimiento del nivel adecuado de capital de los Conglomerados Financieros
• Estadísticas de quejas
• Qué es la SFC
• Términos y condiciones (Políticas Web)

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. See every regulator in the regulatory returns library.