Efectos de la pandemia Covid 19 sobre la liquidez de BanEcuador B.P. año 2020

Abstract

Abstract: The main objective of this research work is to determine the effects of COVID 19 pandemic on the liquidity of BanEcuador B.P. 2020, the investigation was descriptive and documentary, the inductive and analytical research method, with a focus on quantitative research and a non-experimental research design, in which as a unit of analysis to the financial institution BanEcuador B.P. For this purpose, the collection of data obtained from the official pages of the Superintendency of Banks and BanEcuador of the economic period 2019 and 2020, the graphic interpretation and the qualification of the indicators using the CAMEL methodology (capital, asset quality, administrative management, profitability and liquidity) and finally the analysis of the results obtained before and during the pandemic, according to the percentages established for each indicator BanEcuador obtains a B rating, proving to be a solid and efficient institution despite presenting a high risk in the delinquency portfolio and cost effectiveness; It was evident that in 2020 there was an increase in liquidity immediate and adjusted and delinquency rate due to the reduction in the placement of credits due to confinement; However, the results obtained revealed that the liquidity values ​​are maintained within optimal parameters resulting in that Covid 19 did not negatively influence the liquidity of the financial institution.