Model for the recovery of written off loans and the generation of profits in the Peruvian banking system 2017 to 2020
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Abstract
This article, whose title is a model for the recovery of written-off loans and the generation of profits in the Peruvian banking system from 2017 to 2020, arose out of the interest of identifying measures to reduce the risk of financial institutions and especially banks. The objective of the research is to implement a model for the recovery of bad debts, which are difficult to collect. The methodology used was of an applicative type, quantitative approach, non-experimental and descriptive design, the technique used was the documentary analysis and the instrument was the systematization technical sheet. The results obtained after applying the model, an incremental NPV of $2.69 million dollars and an EIRR of 121% were determined, with these results the proposed model is accepted and according to the sensitivity analysis it is deduced that the increase in the recovery of the portfolio written off after the application of the model must be higher than 17.25%, obtaining an Internal Rate of Return of 121.00%. It is concluded that the profits of the banking system in 2020 have been positive, multiple banking obtained 2,111.57 million soles, compared to 2019 that obtained a record figure of 9,082.31 million soles, for the years 2018, 2019 and 2020 the portfolio refinanced has had an increase of 22%, 2% and 36% with respect to the previous year respectively and the delinquent portfolio (past due plus the judicialized one) has had an increase of 7%, 8% and 43% with respect to the previous year respectively.
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