Comparabilidad del patrimonio técnico del banco de Machala y banco Pichincha en el año 2018.

Abstract

In this paper, a comparison of the technical assets of Bank of Machala and Bank of Pichincha was made. The main findings demonstrate the existence of several differences between these institutions ranging from equity, solvency and assets, to prestige, risk rating and internationalization. In order to fulfill the stated objective, I carried out a specialized literature review, in addition to obtaining first-hand information from the financial administrators of each institution related to the object of study. It is concluded that the Bank Of Machala maintains a lower technical patrimony with respect to the Pichincha Bank itself, given by a series of factors including the risk rating of the Superintendency of Banks, which places the Pichincha Bank with the AAA rating- and to the Bank Of Machala one of AA +. The differentiation between services, qualifications, prestige and internationalization, which gives clients a clear vision of the recovery of the funds in case of a financial mishap.