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    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.