Impact of COVID-19 on the financial competitiveness of corporate banking in Peru
DOI:
https://doi.org/10.51896/rilcods.v5i41.85Keywords:
Impact of COVID-19 on the financial competitiveness, corporate banking in PeruAbstract
The objective of the research is to analyze from banking profitability the behavior of financial competitiveness in private banks in Peru. Through three search engines (ScienceDirect, Scopus and Scielo), a detailed search was carried out with the equation in Spanish and English: "financial competitiveness", "bank profitability" and "bank management". 69 scientific articles were considered between the period 2015 and 2022, out of a total of 192 publications in the three databases, resulting in 24 scientific journals consulted. Based on the hermeneutical valuation of scientific publications, financial competitiveness criteria are established, which considered five profitability assets: 1st) Annualized Net Income / Average Equity (ROE), 2nd) Annualized Net Income / Average ROA Assets, 3rd) Liquidity, 4th) Market Share in Loans and 5th) Market Share in Deposits. Each dimension was analyzed from the description of a sequence of multilevel statisticians in the 2014-2022 period for each corporate bank, based on a consecutive probabilistic sampling, resulting in four fundamental banks that group 80% of market share. Based on the index of each of the profitability assets, a decrease is evident due to COVID, revaluing the competitiveness of Peruvian banking and establishing the competitive level through the scale established by the Competitiveness Coefficient 3CA. It concludes with supposed premises that determine the management from the banking management as responses to the behavior of profitability due to the incidence of COVID-19.
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