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 PRÁCTICA TEMA 3

BANCA Y OTRAS INSTITUCIONES FINANCIERAS

dispones:
i. Calcule la rentabilidad media en cada región en el año 2020.
ii. ¿En qué región muestran sus bancos, de media, un mayor ratio de capital (coeficiente de solve
iii. ¿Existe algún tipo de relación (positiva o negativa) entre la rentabilidad y el ratio de apalanca
CIERAS

(coeficiente de solvencia? Justifique la respuesta.

el ratio de apalancamiento? Justifique su respuesta elaborando un gráfico.
 Código ISO País Region Año

MAC Macao SAR, China East Asia & Pacific 2020

JPN Japan East Asia & Pacific 2020
CAN Canada North America 2020
NLD Netherlands Europe & Central Asia 2020
DEU Germany Europe & Central Asia 2020
FRA France Europe & Central Asia 2020
SWE Sweden Europe & Central Asia 2020
ESP Spain Europe & Central Asia 2020
ITA Italy Europe & Central Asia 2020
LTU Lithuania Europe & Central Asia 2020
DNK Denmark Europe & Central Asia 2020
FIN Finland Europe & Central Asia 2020
GBR United Kingdom Europe & Central Asia 2020
BEL Belgium Europe & Central Asia 2020
CZE Czech Republic Europe & Central Asia 2020
KOR Korea, Rep. East Asia & Pacific 2020
PRT Portugal Europe & Central Asia 2020
AUT Austria Europe & Central Asia 2020
AUS Australia East Asia & Pacific 2020
CHE Switzerland Europe & Central Asia 2020
CYP Cyprus Europe & Central Asia 2020
LUX Luxembourg Europe & Central Asia 2020
GRC Greece Europe & Central Asia 2020
CHN China East Asia & Pacific 2020
POL Poland Europe & Central Asia 2020
HKG Hong Kong SAR, China East Asia & Pacific 2020
SVN Slovenia Europe & Central Asia 2020
GEO Georgia Europe & Central Asia 2020
RUS Russian Federation Europe & Central Asia 2020
LVA Latvia Europe & Central Asia 2020
SVK Slovak Republic Europe & Central Asia 2020
EST Estonia Europe & Central Asia 2020
ROU Romania Europe & Central Asia 2020
ALB Albania Europe & Central Asia 2020
TUR Turkey Europe & Central Asia 2020
USA United States North America 2020
PHL Philippines East Asia & Pacific 2020
THA Thailand East Asia & Pacific 2020
IRL Ireland Europe & Central Asia 2020
FJI Fiji East Asia & Pacific 2020
MYS Malaysia East Asia & Pacific 2020
MKD North Macedonia Europe & Central Asia 2020
BGR Bulgaria Europe & Central Asia 2020
BIH Bosnia and Herzegovina Europe & Central Asia 2020
MDA Moldova Europe & Central Asia 2020
ARM Armenia Europe & Central Asia 2020
UZB Uzbekistan Europe & Central Asia 2020
HRV Croatia Europe & Central Asia 2020
BLR Belarus Europe & Central Asia 2020
KHM Cambodia East Asia & Pacific 2020
IDN Indonesia East Asia & Pacific 2020
ISL Iceland Europe & Central Asia 2020

0.6261488
Ratio de rentabilidad
Ratio de Ratio de capital
(ROA =
apalancamiento (Coef. Solvencia)
Beneficios/Activos)

0.8009914 4.49 14.55

0.1413995 4.86 16.90
0.66 4.95 16.10
0.25 5.88 22.77
-0.31 5.93 19.19
0.09 6.18 19.87
0.67 6.26 23.49
-0.19 6.50 16.98
-0.09 6.60 19.29
0.96 6.63 22.18
0.37 6.64 23.29
0.46 6.70 19.98
0.26 6.87 21.57
0.39 7.06 20.34
0.61 7.38 22.11
0.4862968 7.40 14.56
-0.18 7.47 18.11
0.15 7.60 19.16
0.4034515 8.00 17.56
0.39 8.13 19.69
-0.16 8.38 20.27
0.40 8.64 24.32
-0.33 8.83 16.66
0.8498158 9.24 14.70
-0.05 9.40 19.78
0.7634155 9.44 20.69
1.34 9.52 18.29
1.29 9.94 17.59
1.38 9.97 12.47
0.29 10.02 26.82
0.59 10.24 19.67
0.75 10.32 26.53
1.02 10.33 25.14
10
1.00 10.39 18.32
0.94 10.55 18.74
9
0.72 11.02 16.28
0.9596249 11.14 16.33 8
0.7104369 11.14 19.75
7

6
 9

0.11 11.36 25.47 7

0.7330226 11.52 19.14
0.7328537 11.63 18.87 6
1.35 11.64 16.70

Valores
0.83 11.88 22.74 5

0.70 12.52 19.18

4
1.54 12.92 27.07
0.87 13.13 16.93
3
1.39 13.15 18.36
0.64 13.37 24.91
2
1.24 14.19 17.16
1.8633970 14.21 22.66 1
1.1347420 14.80 23.81
0.74 15.74 24.92 0
Region
 Data
Region Promedio de Ratio de apalan
East Asia & Pacific 9.82
Europe & Central Asia 9.43
North America 7.98
Total Result 9.46

Ratio de rentabilidad vs Ratio de apalancamiento

10

6
 9

6
Valores

0
Region East Asia & Pacific Europe & Central Asia North America

Axis Title
 Promedio de Ratio de rentabilidad (ROA = Beneficios/Activos)
0.80
0.57
0.69
0.63

de apalancamiento
 Data
Column N

ope & Central Asia North America

East Asia & Pacifi 0.8009914
East Asia & Pacifi 0.1413995
East Asia & Pacifi 0.4862968
East Asia & Pacifi 0.4034515 Rentabilidad media de East Asia & Pacific 0.80
East Asia & Pacifi 0.8498158
East Asia & Pacifi 0.7634155
East Asia & Pacifi 0.9596249
East Asia & Pacifi 0.7104369
East Asia & Pacifi 0.7330226
East Asia & Pacifi 0.7328537
East Asia & Pacifi 1.8633970
East Asia & Pacifi 1.1347420

North America 0.66 0.69

0.72

North America 16.10

16.28
16.19

East Asia & Pacifi 14.55

16.90
14.56
17.56
14.70
20.69
16.33
19.75
19.14
18.87
22.66
23.81
18.29
Europe & Central 22.77
19.19
19.87
23.49
16.98
19.29
22.18
23.29
19.98
21.57
20.34
22.11
18.11
19.16
19.69
20.27
24.32
16.66
19.78
18.29
17.59
12.47
26.82
19.67
26.53
25.14
18.32
18.74
25.47
16.70
22.74
19.18
27.07
16.93
18.36
24.91
17.16
24.92
20.69
Europe & Central Asia 0.2534346
-0.3052635
0.0915872
0.6727615 0.57
-0.1857816
-0.0931443
0.9641293
0.3692779
0.4616164
0.2592376
0.3935732 38
0.6147433
-0.1776695
0.1527206
0.3885999
-0.1581872
0.3952411
-0.3331450
-0.0505039
1.3400770
1.2919900
1.3763240
0.2857526
0.5861833
0.7531262
1.0240070
0.9954559
0.9439040
0.1086920
1.3456760
0.8274375
0.7032429
1.5441150
0.8731886
1.3897250
0.6374835
1.2407180
0.7437136