Legal cash-reserve (encaje) declaration (Formato 443)

The facts

Who files

Banks, finance corporations, Bancoldex (the state foreign-trade bank), Findeter (the territorial development finance agency), the National Infrastructure Finance Fund (FDN), Finagro (the agricultural finance fund), Icetex (the student-loan agency), Fonade (the national development fund), Fogafin (the deposit guarantee fund for banks), the National Savings Fund (FNA), Fogacoop (the deposit guarantee fund for financial co-operatives), the National Guarantee Fund (FNG), finance companies ('compañías de financiamiento'), financial co-operatives' apex ('grado superior') organisations and credit co-operatives, as the SFC's index of formats lists the filer types for this format. Source

How often

Every two weeks (bisemanal); no fixed enum value in this library fits that cadence exactly. Source

Deadline

The SFC publishes a fresh calendar every year. For the 2026 calendar: the 'required' reserve period of 7 to 20 January is matched to an 'available funds' period of 28 January to 10 February, and the declaration for that pair of periods is due by 17 February 2026 (about a week after the available-funds period ends); each later fortnight follows the same pattern through the year. Source

Format

Flat file. Submitted via the RAS channel. Source

How it is filed

Filing routes recorded for the SFC: RAS and WEB; MURIC; Smartsupervision. See how firms file with the SFC.

Status

In force

Legal basis

• Circular Externa 003 de 2008 (adopted), modified by Circular Externa 038 de 2008, 058 de 2008, 046 de 2012, 046 de 2016, 030 de 2018, 034 de 2020 and 030 de 2021

Group

Banks and other credit institutions

Templates (1)

The tables and forms inside the return. Plain name first, the SFC's code in brackets.

• Legal cash-reserve (encaje) declaration (F.1000-119)

One reporting form, counted from the index. Source

Validation rules

No published validation rules were found for this return. No numbered or published validation rules specific to this format were found on the pages read so far. The SFC's Capítulo XVI of the Circular Básica Contable y Financiera sets out general arithmetic and structural checks for Plan Único de Cuentas (PUC)-coded financial data transmitted via its RAS and WEB channels, which may cover some of this format's values, but that was not confirmed for this specific format. Source

Public data

No published data from this return was found. No data from this specific format, by name, was found published by the SFC on the pages read so far. Source

Official documents (4)

The SFC's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

• Índice de Formatos

  Data dictionary · XLS · 157.0 KB

  The SFC's master list of every reporting format: number, name, periodicity, the Circular Externa that adopted or last modified it, and which entity types must file it.

  SHA-256 8bf829ffe1feshow in fullhide

  8bf829ffe1fe745c00ee2cd6529545fdee447f88811d30cab6cc8935aa656311
• Índice de Proformas

  Data dictionary · XLS · 157.5 KB

  The SFC's master list of reporting forms (proformas), cross-referenced to the format numbers above, naming the submission channel (RAS, WEB, WEBSERVICE, e-mail or paper) for each.

  SHA-256 ab70b92b22dashow in fullhide

  ab70b92b22daf732ec2c19047be347b1e61a602fb809192e5254b0f1ae59d653
• Calendario para el Formato 443 (legal cash-reserve transmission calendar)

  Guidance · XLSX · 64.2 KB · 2026

  A yearly calendar (one sheet per year, 2015 to 2026 when read) of the exact required, available-funds and transmission dates for the legal cash-reserve declaration.

  SHA-256 51085f30e5b8show in fullhide

  51085f30e5b8c55ea45b98c798908add94caa6b1065763cb45588cf5354b0b5d
• Guías para el Reporte de Información

  Guidance · HTML · 210.0 KB

  Links Circular Externa 043 de 1994, Capítulo XVI's validation rules, and per-format calendars (Formatos 230, 443 and 531).

  SHA-256 20a6aaebb441show in fullhide

  20a6aaebb4418249252de964c2881ad6ade39882f16b6ba7a90d886e0f0144f2

Sources

Every page and document this return's facts were read from.

• superfinanciera.gov.co/loader.php?lServicio=Tools2&lTipo=descargas&lFuncion=descargar&idFile=31001
• superfinanciera.gov.co/loader.php?lServicio=Tools2&lTipo=descargas&lFuncion=descargar&idFile=30221
• superfinanciera.gov.co/publicaciones/15007/industrias-supervisadasinteres-del-vigiladoreportesindice-de-reportes-de-informacion-a-la-superintendencia-financiera-15007/
• superfinanciera.gov.co/loader.php?lServicio=Tools2&lTipo=descargas&lFuncion=descargar&idFile=1057702

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.