Liquidez, morosidad, apalancamiento y calidad de activos y su efecto en la rentabilidad de los bancos privados ecuatorianos 2000 al 2020

Abstract

Abstract: The purpose of this study is to analyze, through an econometric model, how the return on assets (ROA) and the return on equity (ROE) are related to the liquidity, delinquency, leverage and asset quality indices of private banking. during the period from 2002 to 2020. The study covers a sample of 14 banks that represent 93.21% of the total assets of the system grouped into three segments: 1) large banks (BG), 2) medium banks (BM ) and, 3) small banks (BP). The results determine that the banking system is influenced by the indicators of leverage and liquidity in a positive way with respect to the ROA, however, delinquency is an index that is added to the previous ones and that positively affects the ROE, however this does so with a significance level of 95%.