Repositorio Institucional Universidad EAFIT ::Examinando por Materia "BANCOS"

Examinando por Materia "BANCOS"

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Análisis comparativo entre la propuesta de valor de la banca tradicional y la de la banca Fintech en Colombia
(Universidad EAFIT, 2022) Ospina Naranjo, Mónica María; Uribe de Correa, Beatriz Amparo; Llano Naranjo, Nicolás
Análisis de la integración de factores ambientales, sociales y de gobierno corporativo en la administración y toma de decisiones de los bancos del sistema financiero en Colombia
(Universidad Eafit, 2020) Doria Fernández, Andrés David; Vergara Garavito, Judith Cecilia
This paper presents an approach to the advances in environmental, social and corporate governance (ESG) of the banks that make up the Colombian financial system, exposing the theory that relates their corporate performance to good ESG practices. In addition to this identification, the policies that each one applies in terms of ESG were mapped using the following public sources of information: management reports, reports and disclosures, sustainability reports and the Código País implementation report of Superintendencia Financiera de Colombia, among others. Lastly, banks were classified in ranges from highest to lowest compliance or adherence to ESG policies, and an analysis was made of the most profound factors that affect the adoption of ESG policies in the Colombian financial sector.
Análisis de la rentabilidad y solidez del sistema financiero bancario en Colombia
(Universidad EAFIT, 2024) Vélez Alzáte, Melina; Gallego Laverde, Andrea María; Téllez Falla, Diego Fernando
In this study, the main determinants of banking profitability, measured or represented through traditional indicators such as ROE (Retorn on Equity) and ROA (Retorn on Assets), are analyzed for the five most representative commercial banks in Colombia from January 2015 to December 2022. For this purpose, an econometric model is proposed using panel data methodology, which includes other financial indicators and macroeconomic variables to measure the sensitivity of these profitability indicators to changes in the economic cycle. The results suggest that movements or fluctuations in non-performing loans and provisions are statistically significant and have a direct influence on banking profitability.
Análisis de las redes sociales como herramienta en el mercado bancario actual
(Universidad EAFIT, 2013) Gómez Bravo, David; Uribe, Beatríz; Uribe Saavedra, Felipe
Las redes sociales están siendo útiles, eficaces y eficientes para el comportamiento dinámico y el desempeño óptimo de todas las áreas industriales y financieras en los distintos ámbitos regionales, nacionales e internacionales -- En primera medida, se identificó que en las entidades, instituciones, gremios, entre otros, resulta fundamental tener claro el objetivo de la inserción de la marca en las redes sociales -- Asimismo, a medida que el interés en la banca social crece, los bancos deben aprender a diseñar estrategias atractivas en redes sociales como Facebook y Twitter para conectarse con los consumidores -- También, se observó que las entidades bancarias aceptan y comprenden que las redes sociales son claves para alcanzar los objetivos y que las estrategias que se emprendan en este ámbito tienen una influencia directa en su negocio -- El presente documento busca verificar la relación entre la intensidad del uso de las redes sociales por parte de las corporaciones bancarias y su desempeño comercial, a través de variables tales como ROA, BS TOT ASSET y NET INCOME -- Hasta el momento, la mayoría de iniciativas 2.0 en finanzas se han centrado en el marketing social -- Es necesario que la banca consiga una verdadera interacción directa a través de las redes sociales, esto implica alcanzar la bidireccionalidad total entre cliente y entidad financiera
Análisis de los sistemas transaccionales en Colombia con respecto al sistema financiero de Bolivia, en términos de inclusión financiera
(Universidad EAFIT, 2020) Cardona Tombe, Liceth Viviana; Gómez Guzmán, Carol Andrea; Durango Gutiérrez, María Patricia
The purpose of this paper is to analyze the evolution of transactional payment systems in Colombia compared to Bolivia, as developing countries in Latin America, in terms of financial inclusion. For this, its evolution between the years 2016-2020 has been reviewed. There is also a brief description of the importance of the means of payment, a comparative analysis of the composition of the financial structure of both countries, and quantitative information to measure growth and projection for the years 2020-2024.
Análisis de viabilidad de un modelo de pago electrónico con dispositivo registrado
(Universidad EAFIT, 2011) Cerón Gómez, Jorge Luis; Rincón Bermúdez, Rafael David
Avanzando hacia una banca más inclusiva : el potencial del Open Banking en Colombia
(Universidad EAFIT, 2023) Sierra Madrid, Felipe; Jaramillo Restrepo, David; Gaitán Riaño, Sandra Constanza
Over the years, Colombia has displayed a remarkable evolution in its financial sector, progressively transitioning towards hyperconnectivity and the digitization of its financial ecosystem, in sync with the global digital trends. Amidst these transformative shifts, open banking has emerged as a standout concept, bringing substantial changes in the way we engage with financial products. This research undertaking is fundamentally driven by the aspiration to delve into the essence of open banking, leveraging successful cases from other Latin American countries, such as Mexico and Brazil, as our primary units of observation. Through meticulous analysis of the open banking practices in these regions, we endeavor to envision how this technology could be introduced to Colombia.Further insights have been gleaned from statistical data on financial inclusion, furnished by diverse institutions, including the Financial Superintendence of Colombia and the World Bank. This information offers a window into the Colombian population's readiness to embrace digital transformation when it comes to their banking instruments. Yet, it is imperative to acknowledge that certain technological infrastructure barriers may pose challenges to the efficient introduction of open banking in the country.
Caso de comparación el sistema de pagos digital entre Colombia y China desde la perspectiva de la promoción a la inclusion financiera
(Universidad EAFIT, 2019) Zapata Roldán, Marcela; Durango Gutiérrez, María Patricia
This paper aims to present the progress of the digital payment system in Colombia, compared to the People's Republic of China. Initially, a count is made of the beginning and evolution of the payment system in both countries. Next, we will proceed with the identification and analysis of the platforms that have been implemented by the different financial entities of the traditional banking system and the regulations that have governed this system. Finally, it analyzes the impact that the digital payment system has generated in the Colombian economy, taking as reference four financial entities, to conclude the use of mobile telephony, it is the most promoted payment system in the national market.
Conexión entre los proyectos y la estrategia organizacional en el sector financiero colombiano : la internalización de los canales digitales empresariales de Bancolombia
(Universidad EAFIT, 2024) Ramírez Vergara, Daniel; Garnica Barraza, Ernesto Jóse
Crédito digital : solución multisector adaptable a las necesidades del mercado
(Universidad EAFIT, 2019) Sabogal Bassil, Andrés Felipe; Torres Osejo, Carlos Andrés; Uribe de Correa; Beatriz Amparo
Improving banking coverage in emerging economies has proved to be challenging, especially if the goal is to develop financial services to improve the quality of life of those new to the marketplace. Colombia has faced these challenges with the help of public policy (Conpes 3424 de 2006; Conpes, 2006) that established the roadmap to make financial inclusion a reality on the short term. However, the small amount of public´s faith in traditional banks, high transaction costs, people´s disinterest in welcoming new banking technologies and a lack of strong physical presence along the country of retail banks; have driven low-income potential customers to interact with non-traditional banking institutions that have created targeted credit loans and loyalty plans in order to attract this part of the population. In the interest of proposing new ways of issuing credit and retail banking solutions, this thesis aims to determine the credit flow for digital lending that can meet the demand of those who require financing but do not have the knowledge to either create it or optimize it. It describes the current state of things for the banking industry in Colombia, analyzing market actors who have opted to develop and consume non-traditional lending products as a tool to achieve financial inclusiveness through targeted consumer and retail loans. In addition, it also details the credit flow, step by step, explaining each one of the operative aspects that are essential to get it into production.
Decisiones que construyen futuro : promoción del ahorro en empleados del sector financiero
(Universidad EAFIT, 2025) Bedoya Agudelo, María Fernanda; Valdés Duque, Natalia; Ramirez García, Maria Isabel
Desarrollo de Score de otorgamiento y estimación de provisiones para la cartera de microcrédito
(Universidad EAFIT, 2019) Trujillo Hernández, Karem Paola; Mosquera Peña, Víctor Daniel; Tamara Ayus, Armando Lenín
Looking at the context of the Colombian economy, most of the business is made of family, micro and small enterprises, which don’t account with warranties to access the traditional banks, due to the loan approvals for these companies have high expensive operating processes. Said that, there is absolutely necessary a score that speeds up the loan approval process, and makes the loan granting less expensive while estimating the risk of each client from the beginning. In the preparation of this work, there was information from a microfinance entity, which at the cut of Dec / 17 presented 469,996 clients of the microcredit modality, with which it is expected to obtain a representative sample with 50% of clients with debt past due over 30 days and 50% of customers with lower past due. In this sense, quantitative methodologies with secondary data were used, and through econometric models (Logistic Model and Discriminant Analysis), as well as the knowledge of the researchers to determine the variables of greatest significance, estimates and projections were made in which probable financial benefit of having a score for granting the loan was evidenced. Consequently, this document is expected to contribute to the further development of microfinance in Colombia through the new digital models of credit granting and risk rating.
Efectos de la implementación de buenas prácticas de gobierno corporativo en la rentabilidad del sector bancario colombiano
(Universidad EAFIT, 2024) Sánchez Núñez, María Isabel; Gaitán Riaño, Sandra Constanza; Téllez Falla, Diego Fernando
In this research work, the effects of the implementation of good corporate governance practices in 24 Colombian banks in the period 2015-2019 were identified using panel econometric models in order to analyze the relationship between these practices and ROE, net interest margin, leverage multiplier and asset turnover. The positive and significant impact on the leverage multiplier and asset turnover was found, as well as the negative relationship between net interest margin and ROE in relation to good corporate governance practices. In addition, the relationship between representative qualitative characteristics of banks, such as origin, stock exchange listing and AAA risk rating, with the implementation of good corporate governance practices was analyzed, and it was found that banks listed on the stock exchange had greater incentives to comply with them.
Efectos de la implementación del programa Investors Relations (IR) en la calificación de riesgo de los bancos en Colombia
(Universidad EAFIT, 2024) Camacho Reyes, Isabella; Arias Villegas, Esteban; Téllez Falla, Diego Fernando; Cortés Durán, Lina Marcela
El valor del diseño para una empresa del sector financiero en Colombia : caso aplicado Bancolombia
(Universidad EAFIT, 2019) Osorio Cardona, Valeria; Velásquez Montoya, Marcela
Emisión de bonos ordinarios en el mercado de valores colombiano por BTG Pactual S. A. – sucursal Islas Caimán
(Universidad EAFIT, 2020) Martínez Gaviria, Natalia Andrea; Martínez Gaviria, Andrés Mateo; Restrepo Ochoa, Diana Constanza
Estrategia de sostenibilidad como generador de rentabilidad en el sector bancario
(Universidad EAFIT, 2020) Echeverri Hernández, Laura; Arango Gómez, Natalia; Mejia Jaramillo, Alejandro
The banking sector is a fundamental factor that supports economic development of countries. The more efficient and advanced it is, the more it contributes to the growth of society. In recent years, the sustainability trend has gained relevance in the banking sector, even many Banks have changed their growth strategies in order to obtain profitability and provide social, ethical and environmental value. The objective of this study is to determine, through the DEA methodology, that sustainable Banks can archive higher retuns compared to Banks that do not have sustainability as a priority. For this, data from fifteen comercial Banks of Latinamerica between 2014 and 2018 were taken as a sample. The results show that there is no positive correlation between efficiency and sustainability. In addition, the results also show that Corporate Governance is the most relevant criterion to measure bank efficiency.
Estudio de la exposición a riesgos de las entidades financieras por la adopción de sistemas de Inteligencia Artificial (IA) en sus actividades
(Universidad EAFIT, 2025) Tabares Rodríguez, Santiago; Nieto Nieto, Norma Cecilia
Evaluación de eficiencia de alternativas de fondeo de entidades bancarias en Colombia de tamaño pequeño, bajo Basilea III
(Universidad Eafit, 2020) Betancur Zuluaga, Juliana; Cardona Llano, Juan Felipe
During the financial crisis that hit the markets in 2008, it was evident that worldwide financial institutions had lacks of control of their liquidity and its cautious management. Despite of the outstanding fulfill with the indicators established by the industry, this was not enough to stand the pressures freed by the market conditions and it took several financial institutions to extreme situations. This difficulties conceded room for reforms by The Basel Committee (Bank for International Settlements, s.f.), with the target of reinforce the guidelines that the financial institutions must adopt in order to have bigger capability to face future financial markets crisis. The convergence to the Basel standards by the Colombian entities creates the necessity to evaluate the fundraising alternatives, looking for analyze its efficiency in terms of costs and impact of the liquidity indicators, in order to align the regulatory fulfillment with the entity interests.
Evolución reciente del mercado bancario colombiano y su concentración en las principales ciudades del país
(Universidad EAFIT, 2023) Escobar Carvajal, Mateo; Henríquez Palacio, Martín; Acosta Mejía, Camilo Andrés

Examinando por Materia "BANCOS"

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