Análisis del impacto de las regulaciones emitidas en el año 2012 por el Banco Central del Ecuador (BCE) en la composición y rentabilidad del portafolio de inversiones de una Institución Financiera Ecuatoriana.

Abstract

The present project is aimed at analyzing how the regulations issued by the Central Bank of Ecuador in 2012 have impacted the composition and profitability of the investment portfolio within a financial institution in the country, referring said portfolio to a group of documents in which a person invests their money to fixed or variable income assuming a risk according to their composition, taking into account that at the national level there are four types of investments that financial institutions can make. This study is justified due to two significant regulations issued in 2012, which modified the composition of the minimum liquidity reserves, limiting investment by financial sector entities. Based on this, a comparative analysis was carried out from 2011 to 2017, demonstrating how these provisions influenced the situation of a national bank. That said, after reviewing regulations 028 and 032 it was known that the main changes are directed to a greater percentage of the minimum reserve of liquidity to state entities and that amounts to 7% between deposits to BCE accounts, in securities of this institution and fixed income securities in public companies in the country