Inclusión financiera y rentabilidad en la banca privada ecuatoriana. Periodo 2002 al 2019

Abstract

Abstract: In the last ten years financial inclusion has become very important in countries development all over the world. This caused that all countries, specially developing ones applied strategies that allow exclude people to be considered in their financial systems. Ecuador is part of that reality that is why the main objective of this academic paper is to analyze if financial inclusion influences private Ecuadorian bank rentability. This investigation analyzes the relationship between financial inclusion evaluated through financial intermediation, deposits/GDP and placement/GDP and rentability generated by private banks evaluated by assets performance (ROA), capital performance (ROE) and net financial margin. In addition, information from 15 national private banks was used and information from the years 2002 to 2019 was selected. The study presents evidence that financial inclusion has a positive influence on the profitability of domestic private banks.