La regulación de tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad del Banco Pichincha, en Ecuador - Periodo del 2002 a 2015

Abstract

The Ecuadorian financial system has grown steadily over the last decade, with the exception of 2015 the growth trend has exceeded five percentage points, the current work presents in a scientific way what has been the effect of the regulation of the interest rates on this process of financial development of the Ecuadorian banks, taking Banco Pichincha CA As a sample. The following pages will show the key milestones in the regulation and how they have influenced the development of the Bank's financial intermediation activities, On the other hand, the research will show the results of the management and the level of coverage in the country that Banco Pichincha has which is the largest bank in Ecuador. In the same way the paper will show in the statistical manner which is the level of incidence that regulated interest rates and financial deepening have in the profitability of the bank that in the last 13 years increased by 256% even when ROA and ROE decreased in the same period