Análisis de la cartera vencida y la rentabilidad de la banca privada de Ecuador, periodo 2015 a 2021

Abstract

Abstract:This study analyzes the evolution of delinquency and the financial performance of 24 private banks operating in Ecuador for the period 2015 to 2021. The loans contribute to the vital development of the Ecuadorian economy, however if they fall into defaults cause huge losses in bank profits, particularly in performance Therefore, the study also determined the internal and external factors that produce delinquencies in the banking sector and how they affect financial performance. He type of study was exploratory - descriptive since the overdue portfolio was analyzed, determining its causes and effects to the profitability indicators; The results show that at the level of the entire study, delinquency decreased in the last two periods, similar behavior was found with the profitability indicators of this sector measured by the ROA and ROE. At the bank size level, large banks showed a better performance in default and profitability indicators. At the level of delinquency by type of portfolio, the results confirm that the portfolio with the highest delinquency indicator is microcredit followed by housing and consumption. Finally, the correlation analysis establishes that delinquency influences bank profitability.