Análisis evolutivo de la morosidad de los bancos privados del Ecuador durante el periodo 2015-2021

Abstract

Abstract: The objective of this study is to analyze the evolution of delinquency in private banking in Ecuador for the period 2015 to 2021. The research method used was exploratory and descriptive because the databases extracted from DATALAB were analyzed, as well as the institutional memories of the 24 private banks that operate in Ecuador. The results confirm that the trajectory of the delinquency is variable in the pre pandemic, pandemic, and post pandemic period. The analysis by bank size showed that large and medium -sized banks have delinquency levels lower than the sector. In addition, the results confirm that private banks apply actions to mitigate portfolio risk despite the volatility and uncertainty of the environ where they operate. Finally, the study contributes with updated empirical evidence that allows opening debates that allow improving the performance of private banking in the country.