Examinando por Materia "Utilidad bancaria"

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    Los determinantes de la rentabilidad de un banco : evidencia empírica del sector bancario colombiano
    (Universidad EAFIT, 2024) Valencia Cano , Juan Fernando; Valencia Espinal, Camilo; Cruz Castañeda, Vivian
    This study investigates the key determinants of profitability for Colombian banking institutions between 2016 and 2024. Using panel data and multiple linear regression, we analyzed variables such as bank size, capitalization, loan volume, portfolio composition, and deposits. Our findings indicate that larger banks tend to be more profitable. However, higher capitalization and loan volumes do not always lead to greater profits. Portfolio composition is also crucial: segments like housing and microcredit positively impact ROE, while commercial, consumer, and housing portfolios negatively affect ROA. In conclusion, Colombian banks should adjust their capitalization, loan management, and portfolio diversification strategies to enhance profitability. The results of this research provide valuable insights for better decision-making in the banking sector.