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

Abstract

We believe we know the effect of the regulation of interest rates in the Financial System but it is not so; This is the reason for the present investigation to know what are the real effects that have occurred in the banking services, specifically in the financial strategies of the "Banco Solidario" and in the banking deepening of the whole private banking system, before and after the regularization of interest rates in 2007, which has generated several changes from them both at the level of private banks and throughout the country's economic system; And therefore the incidence of the active and passive interest rates was analyzed by making a relation with the variables such as: Bank Depth in terms of Funding, Placements, Return on Asset (ROA), Return on Equity (ROE), of the “Banco Solidario" in the period 2002 - 2015, which will be able to know the effect that the regulation of interest rates had on the evolution of the bank depth and the profitability of the Bank in the period of investigation. I conclude that within the main regulations the bank's profitability was reduced in terms of interest rates, free financial services, etc., situations that benefited the client but the institution did not