<?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>2448-7678</journal-id>
<journal-title><![CDATA[Investigación administrativa]]></journal-title>
<abbrev-journal-title><![CDATA[Investig. adm.]]></abbrev-journal-title>
<issn>2448-7678</issn>
<publisher>
<publisher-name><![CDATA[Instituto Politécnico Nacional, Escuela Superior de Comercio y Administración]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-76782021000100002</article-id>
<article-id pub-id-type="doi">10.35426/iav50n127.02</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Rentabilidad, capital y riesgo crediticio en bancos ecuatorianos]]></article-title>
<article-title xml:lang="en"><![CDATA[Profitability, Capital and Credit Risk in ecuadorians banks]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Lapo-Maza]]></surname>
<given-names><![CDATA[María del Carmen]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Tello-Sánchez]]></surname>
<given-names><![CDATA[Michelle Gioconda]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mosquera-Camacás]]></surname>
<given-names><![CDATA[Sandra Carolina]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Católica de Santiago de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Católica de Santiago de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Católica de Santiago de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2021</year>
</pub-date>
<volume>50</volume>
<numero>127</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-76782021000100002&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-76782021000100002&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-76782021000100002&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Objetivo: Determinar la influencia de la estructura de capital y el riesgo crediticio en la rentabilidad de la banca privada ecuatoriana mediante modelado de sendas. Método: Se analizaron 504 observaciones de siete bancos ecuatorianos entre 2012-2017. Se estimó un modelo de sendas PLS-SEM. Resultados: La estructura de capital en los bancos ecuatorianos se vio influenciada significativamente por el riesgo crediticio, y no ejerce impacto significativo sobre la rentabilidad. El riesgo crediticio tuvo un efecto negativo significativo sobre la rentabilidad. Limitaciones: No se incorporó el entorno macroeconómico e institucional o efectos potenciales derivados del tamaño u otras características del banco. Conclusiones: Los hallazgos alientan a los líderes bancarios a mejorar las prácticas de administración de riesgos y puedan tomar decisiones de estructura de capital que aumente su rentabilidad. Originalidad: PLS-SEM ha comenzado a introducirse en finanzas y en la banca, este estudio muestra su aplicabilidad y las ventajas de su uso.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Aim: To determine the influence of the capital structure and credit risk on the profitability of Ecuadorian private banks through path modeling. Method: 504 observations from seven Ecuadorian banks between 2012-2017 were analyzed. A PLS-SEM path model was estimated. Results: The capital structure in Ecuadorian banks was significantly influenced by credit risk, and has no significant impact on profitability. Credit risk had a significant negative effect on profitability. Limitations: The macroeconomic and institutional environment or potential effects derived from the size or other characteristics of the bank were not incorporated. Conclusions: The findings encourage bank leaders to improve risk management practices and to make capital structure decisions that increase their profitability. Originality: PLS-SEM has begun to being used in finance and banking, this study shows its applicability and the advantages of its use.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Bancos privados]]></kwd>
<kwd lng="es"><![CDATA[estructura de capital]]></kwd>
<kwd lng="es"><![CDATA[modelo de sendas PLS]]></kwd>
<kwd lng="es"><![CDATA[rentabilidad bancaria]]></kwd>
<kwd lng="es"><![CDATA[riesgo crediticio]]></kwd>
<kwd lng="en"><![CDATA[Private banks]]></kwd>
<kwd lng="en"><![CDATA[capital structure]]></kwd>
<kwd lng="en"><![CDATA[PLS path model]]></kwd>
<kwd lng="en"><![CDATA[bank profitability]]></kwd>
<kwd lng="en"><![CDATA[credit risk]]></kwd>
</kwd-group>
</article-meta>
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