This article analyzes the financial performance of Metrobank during the period from January 2024 to August 2025 through the application of econometric models designed to measure the relationship between the bank's internal variables and Panama's Monthly Index of Economic Activity (IMAE). Four model specifications were applied —absolute value, semilogarithmic, partial logarithmic, and log-log— to identify the influence of liquid assets, credit portfolio, deposits, equity, liabilities, and investment securities on national macroeconomic dynamics. Results show that the semilogarithmic model provides the highest explanatory power (R² = 0.998596), confirming that logarithmic transformations improve data stability and the accuracy of estimates.
The analysis indicates that liquid assets, equity, and credit portfolio are the most influential variables in economic growth, reflecting the bank's stability and efficiency in financial intermediation. Moreover, the comparison of models reveals that logarithmic-based approaches better describe the proportional relationship between the financial system and economic activity, compared to absolute value models with lower explanatory capacity. In conclusion, the findings confirm that Metrobank maintains a strong financial structure aligned with Panama's economic performance, demonstrating that econometric analysis is an essential tool for assessing sustainability and financial performance in the banking sector.
