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

Abstract: We can determine that there is significant variation in interest rates before the regulation, because they were focused on a widespread after regulation there is a more punctuated determination of the types of credit, depending on the productive sector to which they are addressed and allow a more coherent portfolio recovery risk assessment; accordingly the borrowing rates are different according to the collection instruments, which has allowed the net interest margin is maintained, which has facilitated the establishment of new financial institutions, especially credit union and popular and solidarity economy. In this research it can be seen that profitability suffers a decrease in intermediate and final periods; because it has been able to increase revenue by failing to recover interest on the agreed dates product portfolio loans. Banks should have as its main focus, customer so enabling increased profitability.