ANÁLISIS DE LA CARTERA DE CRÉDITO DEL BANCO DESARROLLO DE LOS PUEBLOS S.A AGENCIA LOJA PERÍODO 2016-2017

This thesis work called. "ANALYSIS OF THE CREDIT PORTFOLIO OF THE BANCO DESARROLLO DE LOS PUEBLOS S.A, AGENCY LOJA PERIOD 2016-2017", aims to know the situation of the bank's credit portfolio and thereby contribute to the proper decision-making for the development successful ness altogether, and in this way risks can be mitigated. The objectives set out in the preparation of the analysis were; perform a vertical and horizontal analysis of the credit portfolio in order to know the composition and variation of the credit portfolio in the years 2016 – 2017; financial indicators were then applied which made it possible to determine the level of delinquency of the bank's credit portfolio, finally the design of the strategies to reduce the credit risk of the bank, based on the analysis Swot. The methodology used for the development of the thesis, was carried out through the application of different methods among them is the scientific method which served for the collection of theoretical information, as well as the deductive method which was used used for the application of vertical and horizontal analysis and financial indicators, similarly techniques such as the survey and interview supmen that were applied to the agency head, and staff of the institution for a better appreciation of the strengths, weaknesses, opportunities and threats, which allowed to counter the bank's financial structure and growth in the market. In conclusion, it can be stated that Banco Desarrollo de los Pueblos S.A, Agency Loja, through the analysis to the credit portfolio period 2016 -2017 through the application of financial indicators, the bank has high levels of delinquency in relation to the to the microcredit portfolio exceeding the established average, which can become a future financial risk. Therefore it is recommended to carry out a regular financial analysis, which allows you to continue to maintain the efficient management of the portfolio.

• Main Author: BUSTAMANTE CÓRDOVA, ESTEFANÍA PAOLA (author)
• Format: bachelorThesis
• Language: spa
• Published: 2019
• Subjects: BANCA FINANZAS; CARTERA DE CRÉDITO; BANCO DESARROLLO; ESTADOS FINANCIEROS
• Online Access: http://dspace.unl.edu.ec/jspui/handle/123456789/22372