Análisis de la Ley Orgánica de Apoyo Humanitario para combatir la crisis sanitaria y su efecto en la liquidez de los Bancos medianos del Ecuador

Abstract

Abstract:This exploratory descriptive study had the purpose of examining the influence of the Organic Law of Humanitarian Support in the liquidity of Ecuadorian private banks, segment small banks for the period 2020 to 2021. The information from the indicators of the financial performance of banks was compiled from the Financial Information System (DATALAB) of the Association of Private Banks of Ecuador. The overall results showed that the Covid-19 pandemic had a significant effect on liquidity in the medium-sized banks, it is also evident that the resolutions issued by the Policy Board of Monetary and Financial Regulation allowed to maintain the system under levels prudential liquidity and solvency measures, particularly through financial relief such as the restructuring, refinancing and deferral of credit obligations and the reduction of the resources contributed to the Liquidity Fund to compensate the outflows of deposits due to the effects of the pandemic. Consequently, for the banking system in Ecuador and especially for the sector of medium banks, the temporary application of actions by the regulatory entity in response to the effects of economic and financial shocks caused by the pandemic was key to mitigating the losses in the sector. Finally, the The study contributes with updated empirical evidence that allows strengthening measures of the regulatory body and bank management to find actions to improve the Bank performance in times of high uncertainty.