Análisis de riesgo financiero del banco del pacífico mediante la aplicación del método Camel durante el período (2018-2021)
The research work had as aim to analyze the Banco del Pacífico financial risk, through the CAMEL Method in the 2018-2021 periods, this method being a financial management tool, what allows a state broader vision, which banking entities are found and its vulnerability. The study compiles bibliographi...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Weitere Verfasser: | |
| Format: | bachelorThesis |
| Sprache: | spa |
| Veröffentlicht: |
2022
|
| Schlagworte: | |
| Online Zugang: | http://repositorio.utc.edu.ec/handle/27000/9074 |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
Tag hinzufügen | Zusammenfassung: | The research work had as aim to analyze the Banco del Pacífico financial risk, through the CAMEL Method in the 2018-2021 periods, this method being a financial management tool, what allows a state broader vision, which banking entities are found and its vulnerability. The study compiles bibliographic information from Central Bank's workbook, in relation with financial analysis, its components and the CAMELS method use. Information was also got from Banks Superintendency statistical portal, where it was used the Banco del Pacífico income statement and the general balance sheet for the years under study. It deals a quantitative study, which was got financial information that it was made the respective calculations for each of indicators: capital, assets, administrative management, profitability, liquidity and sensitivity. To substantiate the topics, it worked on the referential theoretical framework. Continuing the research came from to the financial analysis, which indicates, what the banking entity has had problems in the credits recovery, which increased its delinquency rate and, in terms profitability that it refers the bank shows a low utility, which it prevents to pay adequately, to its shareholders. Further, it was compared the Banco del Pacífico efficiency indicators with the other banks averages, where it is identified and unfavorable trend for the entity. And the end, the study contribution allowed to conclude, what the Banco del Pacífico is at a risk level A (Optimal) and B (Above expected) in the studied years, the same way in the project was identified as the direct beneficiaries the (students and Banco del Pacífico) and indirect (clients and external consultants). |
|---|