Variables económicas y rentabilidad de los bancos en México: periodo previo y durante COVID-19
DOI:
https://doi.org/10.24275/uam/azc/dcsh/ae/2024v39n100/MoralesPalabras clave:
Rentabilidad bancaria, variables microeconómicas , variables macroeconómicas, COVID-19Resumen
Este artículo demuestra, mediante un modelo para datos organizados en panel, que principalmente las variables específicas de empresa (microeconómicas) versus las macroeconómicas afectan la rentabilidad en el largo plazo de un grupo de bancos en México, en el periodo previo y en el de COVID-19. La captación interbancaria, la tasa pasiva, el tamaño del banco, el tamaño de la cartera vencida, la morosidad, los gastos de operación, la captación tradicional, el salario, el desempleo y la tasa de interés tienen influencia estadística en la rentabilidad de los bancos, pero esta relación cambia en el periodo de COVID-19. Estos resultados pueden ser útiles en las decisiones de las distintas áreas de los bancos, así como para el diseño de políticas públicas encaminadas a mantener la estabilidad del sistema bancario.
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Derechos de autor 2024 José Antonio Morales Castro, Patricia Margarita Espinosa Jiménez
Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-SinDerivadas 4.0.