<?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>2518-4431</journal-id>
<journal-title><![CDATA[Investigación & Desarrollo]]></journal-title>
<abbrev-journal-title><![CDATA[Inv. y Des.]]></abbrev-journal-title>
<issn>2518-4431</issn>
<publisher>
<publisher-name><![CDATA[UNIVERSIDAD PRIVADA BOLIVIANA]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2518-44312024000300005</article-id>
<article-id pub-id-type="doi">10.23881/idupbo.024.3-1e</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[RESILIENCIA Y ESTABILIDAD FINANCIERA EN EL SISTEMA BANCARIO BOLIVIANO]]></article-title>
<article-title xml:lang="en"><![CDATA[RESILIENCE AND FINANCIAL STABILITY IN THE BOLIVIAN BANKING SYSTEM]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mostajo Castelú]]></surname>
<given-names><![CDATA[Saulo A.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Morales Carrasco]]></surname>
<given-names><![CDATA[Walter]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Privada Boliviana Centro de Investigación e Innovación en Finanzas - (CIIFI) Programa Doctoral en Economía y Administración]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Bolivia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2024</year>
</pub-date>
<volume>24</volume>
<numero>3</numero>
<fpage>5</fpage>
<lpage>23</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_arttext&amp;pid=S2518-44312024000300005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_abstract&amp;pid=S2518-44312024000300005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_pdf&amp;pid=S2518-44312024000300005&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El turbulento contexto económico incide en el desempeño de las empresas que participan en el mercado de intermediación financiera, aspecto que genera el resurgimiento de la duda sobre cuan estables y fortalecidos se encuentran los bancos para afrontar escenarios adversos. En este marco, esta investigación se centra en el análisis del desempeño y posición financiera de los bancos desde una perspectiva y capacidad individual para afrontar situaciones que podrían comprometer su subsistencia. Dicha evaluación se enfoca en el análisis de alertas tempranas y de escenarios adversos pero probables bajo desde tres ópticas diferentes pero complementarias: la evaluación de irregularidades financieras, el análisis CAMELS y las pruebas de tensión. Estas metodologías nos han permitido determinar que el Sistema Bancario en Bolivia presenta niveles razonables de resiliencia, que debe ser acompañada por un marco normativo prudencial y una supervisión orientada a evitar que los shocks externos materialicen vulnerabilidades presentes en las hojas de balance. En nuestro análisis evidenciamos el caso especial de 2 entidades que merecen un tratamiento especial a fin de evitar ingresar en problemas individuales y que incluso pudieran afectar al sistema.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT The turbulent economic context affects the performance of companies that participate in the financial intermediation market, an aspect that generates the resurgence of reasonable doubt about how stable and strengthened banks are to face adverse scenarios. In this framework, the research focuses on the analysis of the performance and financial position of banks from an individual perspective and capacity to face situations that could compromise their permanence in the market. This evaluation focuses on the analysis of early warnings and adverse but probable scenarios from three different but complementary perspectives; the assessment of financial irregularities, the CAMELS analysis and stress tests. Methodologies that have allowed us to determine that the Banking System in Bolivia presents interesting levels of resilience, which must be accompanied by close supervision and a prudential regulatory framework to prevent external shocks from materializing vulnerabilities present in the balance sheets, especially in 2 entities, the same ones that deserve special treatment in order to avoid entering into strategic sustainability problems.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Capital ajustado al Riesgo]]></kwd>
<kwd lng="es"><![CDATA[Ejercicio de Tensión]]></kwd>
<kwd lng="es"><![CDATA[Irregularidades Financieras]]></kwd>
<kwd lng="es"><![CDATA[Alertas Tempranas]]></kwd>
<kwd lng="en"><![CDATA[Capital adjusted to Risk]]></kwd>
<kwd lng="en"><![CDATA[Exercise of Stress]]></kwd>
<kwd lng="en"><![CDATA[Financial Irregularities]]></kwd>
<kwd lng="en"><![CDATA[Early Warnings]]></kwd>
</kwd-group>
</article-meta>
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