La regulación de las tasas y su efecto en la evolución de la profundización bancaria y la rentabilidad del “Banco del Austro”, en Ecuador período del 2002 a 2015

Abstract

The gradual growth of GDP, the steady increase in the number of deposits (58%) and placements (37%) and reduced variation of interest rates have caused that the levels of financial deepening are strengthened in a 10.20% and 6.91%. The profitability indicators were satisfactory levels of performance, so that both the ROE as the Operating Margin highlighted their participation in 0.53 and 7.03 percentage points, while the ROA presented a decrease in 0.03 points; due to the gradual growth of the Net Profits (11.91%), followed by the increase in assets and heritage at a rate of 18.65% and 18.83%, respectively. The levels of reciprocity between the deepening and the operating margin allowed us to demonstrate the existence of a direct correlation between these variables, while the ROA and ROE have an inverse relationship compared to the performance of the financial deepening. As a result of which allowed us to verify and accept the following hypothesis: Ho "regulation of borrowing and lending rates in the banking system has contributed to an increase in indicators of deepening Banking