La regulación de tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad del Banco del Litoral, en el Ecuador periodo del 2002 a 2015

Abstract

We can determine that there is a significant variation in interest rates before regulation, because they were broadly focused. Following the regulation, there is a more specific determination of the types of credit, depending on the productive sector to which they are directed and that allow a more coherent assessment of portfolio recovery risk; In accordance with the passive interest rates are different according to the instruments of collection, which has allowed the intermediation margin to be maintained, which has facilitated the constitution of new financial institutions, especially credit and savings cooperatives and popular economy And solidarity. In the present investigation it can be seen that the profitability suffers a reduction in intermediate and final periods; Because it has not been possible to increase the income by not recovering the interest in the agreed dates due to the loan portfolio. Banks should focus on the customer in such a way as to allow an increase in profitability.