La regulación de las tasas de interés y su efecto en la evolución de la profundización bancaria y la rentabilidad del Banco Comercial de Manabí del 2002 al 2015

Abstract

Financial development in Ecuador has been increasing in recent years. The effects of regulation on the financial system of private banks and the use of technology have been mainly two great enablers of this fact. In this sense, the present research has as objective to analyze what has been the effect of the regulation of the interest rates in the evolution of the deepening banking and the profitability of the banks. The study focuses its analysis on Comercial Bank of Manabí, a financial institution whose business turnover is located within the small banking segment and in two large agroindustrial, commercial and tourist areas of Ecuador. The results found that there is no greater correlation between the profitability of the institution and the regulation of rates. The research is interesting from the theoretical point of view and aims to contribute to the limited offer of this type of studies. It contributes to the discussion of how banks despite legal regulations to the banking industry generate greater efficiency to maintain levels of profitability according to the expectations of its shareholders