Análisis comparativo sobre vulnerabilidad financiera entre la banca pública y privada del ecuador durante el periodo 2017 – 2020, usando el modelo Camels.

Abstract

Financial systems require analyzing the possible adverse scenarios that could trigger a financial crisis. In this sense, this study aims to quantify the vulnerability of the public and private banking system in Ecuador. The study follows a Keynesian and Post-Keynesian approach to understand the risks, uncertainty, vulnerability and regulation to which the financial system is exposed. The CAMELS off-site model is used to compare the financial performance of public and private banks. The most remarkable outcomes are that private banking has a greater financial vulnerability than public banking. In addition, medium-sized, privately-owned banks have less financial vulnerability than large and small, privately-owned banks.