El problema de morosidad en BanEcuador B.P. y su incidencia en el Rendimiento

Abstract

Abstract: This study evaluates the effects of non-performing loans on the performance of BanEcuador BP, during a time horizon comprised between 2016 and 2020. Using the ordinary least squares econometric regression method, it is determined that there is positive causality between the bank's performance measured by return on assets, return on equity and the macroeconomic variables delinquency, solvency, gross domestic product, unemployment and inflation. The results presented in this investigation allow the senior management of BanEcuador B.P. establish control measures to mitigate the effects of macroeconomic variables on the financial performance of bad debts and the profitability of the institution. Finally, the study includes an evaluation from the point of view of the incidence of external factors or macros, leaving the possibility of establishing in the future complementary studies that evaluate the incidence of micro factors in the performance of delinquency and profitability of this public financial institution.