Plan estratégico financiero para el Banco Pichincha sucursal Riobamba con enfoque a mejorar la rentabilidad en los créditos empresariales.

Abstract

The development of the research pursues the objective of designing a financial strategic plan for the Bank Pichincha Riobamba Branch that allows improving the profitability of business loans, with the purpose of contributing with new ideas that help to promote in the medium and long term the use of the credit as a source of foreign financing to stimulate performance in the productive management of the business sector; after identifying the problem, a diagnosis was made based on surveys and interviews and financial analysis of the financial statements of the entity, which helped to define the strategies, established as tools to improve the profitability of business loans. It was shown in the results obtained that Bank Pichincha does not have a financial strategic plan, the portfolio of late payment is high, there is a reduction in savings capacity. It is concluded that the financial economic evaluation is very necessary for decision making and by not analyzing them the entity has the risk of not knowing the financial position it has been going through, so it is necessary to apply strategic models to improve the economic sector. It is recommended to establish an efficient financial management, regarding the decision-making process for the clients of Bank Pichincha, familiarity and credibility in order to get out in this competitive financial market.