El impacto de las crisis económicas en el sistema financiero nacional de Ecuador post dolarización 2000-2023.

Abstract

Abstract: The objective of this curricular integration work is to analyze the impact of the economic crises in the national financial system of Ecuador post-dollarization, covering the period 2000-2023. To carry out this research, a methodology with a quantitative and qualitative approach, using secondary data from official sources such as the Superintendency of Banks and the Central Bank of Ecuador. HE identified and analyzed the effects of three main economic crises: the global crisis of 2008-2009, the oil price crash in 2014-2016 and the COVID-19 pandemic in 2020. The main results indicate that delinquency in the private banks of Ecuador fluctuated due to various economic crises. Notable spikes occurred during the global crisis of 2008-2009 and the oil crisis of 2016, showing temporary increases. The liquidity Despite initial contractions, especially in the 2016 oil crisis and the pandemic of COVID-19 in 2020, government measures and tax incentives stabilized and improved the liquidity of the financial sector. Profitability fluctuated with falls highlighting post-global, oil and COVID-19 crisis resilience.