Análisis de la colocación de las carteras de crédito y su relación con la rentabilidad de las entidades del sistema financiero privado del Ecuador en el periodo 2015-2022

Abstract

Abstract: The study focuses on the relationship between loans and bank profitability private in Ecuador, categorized as large, medium and small. They were analyzed these variables to understand their importance and establish the connection between the placement of credit (independent variable) and profitability (dependent variable). Data was examined from 2015 to 2022, highlighting the year 2020 as the most critical due to the economic recession, which caused a significant decrease in yields and forced a recomposition portfolio by large, medium and small banks. However, the banks small companies failed to fully recover, showing negative ROA figures and ROE in subsequent years. The relationship between portfolio performance and ROE in Ecuadorian banks has been complex, showing that stable returns do not always guarantee positive ROE, due to fluctuations in assets and placement strategies. This analysis highlights the need for efficient management to maintain financial stability and long-term profitability term.