<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2448-6655</journal-id>
<journal-title><![CDATA[Análisis económico]]></journal-title>
<abbrev-journal-title><![CDATA[Anál. econ.]]></abbrev-journal-title>
<issn>2448-6655</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, Unidad Azcapotzalco, División de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-66552024000100099</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2024v39n100/morales</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Variables económicas y rentabilidad de los bancos en México: periodo previo y durante COVID-19]]></article-title>
<article-title xml:lang="en"><![CDATA[Economic variables and bank profitability in Mexico: period before and during COVID-19]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Morales Castro]]></surname>
<given-names><![CDATA[José Antonio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Espinosa Jiménez]]></surname>
<given-names><![CDATA[Patricia Margarita]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional Escuela Superior de Comercio y Administración Tepepan ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional Autónoma de México Facultad de Contaduría y Administración ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2024</year>
</pub-date>
<volume>39</volume>
<numero>100</numero>
<fpage>99</fpage>
<lpage>118</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552024000100099&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552024000100099&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552024000100099&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo demuestra, mediante un modelo para datos organizados en panel, que principalmente las variables específicas de empresa (microeconómicas) versus las macroeconómicas afectan la rentabilidad en el largo plazo de un grupo de bancos en México, en el periodo previo y en el de COVID-19. La captación interbancaria, la tasa pasiva, el tamaño del banco, el tamaño de la cartera vencida, la morosidad, los gastos de operación, la captación tradicional, el salario, el desempleo y la tasa de interés tienen influencia estadística en la rentabilidad de los bancos, pero esta relación cambia en el periodo de COVID-19. Estos resultados pueden ser útiles en las decisiones de las distintas áreas de los bancos, así como para el diseño de políticas públicas encaminadas a mantener la estabilidad del sistema bancario.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This paper demonstrates, using a panel data model, that mainly firm-specific (microeconomic) versus macroeconomic variables affect the long-run profitability of a group of banks in Mexico in the pre- and COVID-19 periods. Interbank deposit, deposit rate, bank size, size of non-performing loan portfolio, delinquency, operating expenses, traditional deposit, salary, unemployment, and interest rate have statistical influence on bank profitability, but this relationship changes in the COVID-19 period. These results can be useful in the decisions of the different areas of banks, as well as for the design of public policies aimed at maintaining the stability of the banking system.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Rentabilidad bancaria]]></kwd>
<kwd lng="es"><![CDATA[Variables microeconómicas]]></kwd>
<kwd lng="es"><![CDATA[Variables macroeconómicas]]></kwd>
<kwd lng="es"><![CDATA[COVID-19]]></kwd>
<kwd lng="en"><![CDATA[Bank profitability]]></kwd>
<kwd lng="en"><![CDATA[Microeconomic variables]]></kwd>
<kwd lng="en"><![CDATA[Macroeconomic variables]]></kwd>
<kwd lng="en"><![CDATA[COVID-19]]></kwd>
</kwd-group>
</article-meta>
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