Evaluación de la concentración y competencia del sector bancario ecuatoriano en el periodo 2006-2018

Abstract

This paper focuses on determining the degree of concentration and market competition in the Ecuadorian banking sector; measured with information from the capital accounts, loan portfolio, deposits and investment in the period 2006-2018. The research presents a methodology of longitudinal cut, by using data with a temporal and spatial dimension; using different structural and non-structural indices. The main findings indicate that in the Ecuadorian banking sector there is no market concentration, in addition, banks have the ability to set their prices, which must range between the limits established by regulatory bodies such as the Central Bank of Ecuador, the Ministry of Finance and the Superintendency of Banks.