Morosidad en el pago de créditos y rentabilidad de la banca privada en Ecuador

Abstract

Abstract: The purpose of this study is to analyze the relationship between delinquency and profitability of private banks in Ecuador. The data used corresponds to the data of the Superintendence bank between 2012 and 2016. Correlations were calculated for five scenarios with the two study variables: Bank morosity ROA; Bank morosity - ROE, Bank morosity gross portfolio, gross portfolio ROA and gross portfolio ROE. Methodologically, the Pearson correlation coefficient was calculated with the variables described above. The profitability data shows the use of the Dupont system (ROA and ROE). In terms of results, correlation coefficients were obtained for each scenario analysis with numbers lower than zero (-0.66, -0.63, -0.69, and -0.72), determining the similarity between them by indicating a correlation perfect negative relationship between the variables for each case, establishing a total dependence between the two variables through a constant ratio in constant proportion, understanding that if the default decreases the profit of the banks would increase, and when bank morosity increases, the gross portfolio will also increase. According to the revised data of the superintendence of the Ecuadorian banks, the credits that have caused the highest bank morosity are in the order of consumption, commercial and housing.