Análisis del rendimiento del dinero que genera la banca en depósitos a plazo fijo.

Abstract

In the present research work, the bank that offers the best return on money when making fixed-term deposits was determined, where a comparative analysis was carried out that allowed choosing which is the most convenient option when making fixed-term deposits. This was taken as main point banking institutions from which three banks were chosen which are comparable in the activity they perform, sector where it operates and the service that provide a determining factor for choosing the best investment option. That allowed us to establish the Machala bank as the most convenient option when making time deposits is the Machala bank since it offers a higher interest rate than its competitors (Bank of the Austro and Pichincha) that makes it attractive for the client investing in this semiannual financial institution the Machala bank offers an interest rate of 5.35% which generated a capitalizable interest quarterly of $ 403.93 and semiannually of $ 401.25 establishing the Machala bank as a financial institution that generated a higher return on the capital deposited since it offers the client an interest rate higher than that of its competition (Bank of the Austro and Pichincha), which was reflected in the interest generated by the bank both in the quarterly and semiannual capitalization, making it the best investment option.