La integración de las operaciones de Scotiabank en Colombia, Costa Rica y Panamá dentro de Davivienda Group se concretó oficialmente, dando paso a una nueva estructura corporativa y accionaria bajo la marca DaviBank. Esta consolidación configura uno de los conglomerados financieros más relevantes de la región, combinando la presencia histórica de Davivienda con los activos estratégicos aportados por Scotiabank.
Distribución accionaria destacada
Scotia Colombia Holdings
Participación: 20,32%
Acciones: 123 millones (65,3 millones ordinarias y 57,6 millones preferenciales)
Comentario: Representa el aporte de las unidades adquiridas a Scotiabank en Colombia, Panamá y Costa Rica, posicionándose como el segundo mayor accionista.
Inversora Anagrama
Participación: 12%
Acciones: 72,6 millones
Comentario: Entidad vinculada al ecosistema corporativo de Banco Davivienda y al Grupo Bolívar.
Inversiones Financieras Bolívar
Participación: 11,98%
Acciones: 72,5 millones
Compañía de Seguros Bolívar
Participación: 8,49%
Acciones: 51,4 millones
Grupo Bolívar
Participación: 8,48%
Acciones: 51,3 millones
Comentario: Permanece como la entidad controlante del conglomerado.
Otros accionistas relevantes
Inversiones Meggido – 7,36%
Inversiones Cusezar – 7,33%
Seguros Comerciales Bolívar – 5,75% (34,8 millones)
Fondos de pensiones obligatorias:
Porvenir (Mayor Riesgo) – 2,62%
Protección (Mayor Riesgo) – 2,10%
Composición global de los 20 principales accionistas
Total acciones: 570 millones (94,2% del total)
Acciones ordinarias: 432,6 millones
Acciones preferenciales: 137,4 millones
Accionistas minoritarios: 5,8% (35,3 millones)
Lectura estratégica para el sistema financiero costarricense
La integración consolida un grupo regional con mayor escala operativa y capacidad competitiva. Scotiabank pasa de operador directo a accionista estratégico, mientras que la plataforma unificada bajo DaviBank anticipa mejoras en eficiencia, convergencia tecnológica y fortalecimiento en banca de personas y empresas. El control corporativo continúa en manos del Grupo Bolívar, que mantiene mayoría relativa mediante su estructura societaria integrada.
Jorge Enrique Gutiérrez Guillén, CPA
Socio Director | JGutierrez Auditores Consultores S.A.
[email protected] | consultoresjg.com | +506 8811-5090
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Jorge Gutiérrez Guillén
With over 15 years of experience in auditing and financial consulting, I serve as the founder and managing partner of JGutierrez Auditores Consultores S.A.—a boutique firm dedicated to delivering exceptional, value-driven solutions that consistently exceed industry standards.
Our mission is to promote transparency, efficiency, and sustainability by combining international best practices with in-depth knowledge of Costa Rican and regional regulations. We operate under the guiding principles of integrity, innovation, and excellence.
Our Expertise
At JGutierrez Auditores Consultores, we provide comprehensive audit and consulting services tailored to meet the evolving needs of today’s businesses. Our core areas of specialization include:
Financial Audits: Independent evaluations aligned with international standards, ensuring reliability and accuracy in financial reporting.
Regulatory Compliance: Expert navigation of complex tax and financial frameworks to ensure full adherence and strategic advantage.
Internal Controls: Strengthening governance structures to mitigate risk and boost operational effectiveness.
Fraud Prevention: Implementing forward-looking strategies to detect, prevent, and respond to financial irregularities.
Process Optimization: Streamlining workflows and improving resource allocation for enhanced productivity and long-term growth.
Environmental & Financial Sustainability: Supporting compliance with emerging ESG regulations to reinforce resilience.
Information Security: Protecting critical systems and data through robust cybersecurity and risk management measures.
Value-Centered Consulting
Beyond our audit services, we offer strategic consulting designed to help organizations innovate and compete in an increasingly dynamic environment:
Information Systems & Operational Management: Integrating technology and operations to boost performance and scalability.
ISO Standards Compliance: Providing expert guidance to achieve and maintain globally recognized certifications.
Transfer Pricing Studies: Ensuring compliance with international tax obligations while enhancing cross-border efficiency.
Industrial Cost Analysis: Delivering deep insights into cost structures to support sound decision-making and margin improvement.
Why Choose JGutierrez
Our strength lies in a collaborative, multidisciplinary team that brings together seasoned professionals and next-generation talent, equipped with expertise in emerging technologies. This synergy enables us to deliver innovative, high-impact solutions that support growth, reinforce resilience, and unlock strategic opportunities.
As a trusted advisor, I am committed to building lasting partnerships and helping organizations navigate the challenges of today while preparing for the opportunities of tomorrow.
Jorge Gutiérrez Guillén
Certified Public Accountant | Business Consultant