Legal risk in bank compensation: A look at the Banking Law and the positions of Indecopi and the Judiciary

Authors

  • Jhon Pineda Galarza Universidad Peruana de Ciencias Aplicadas, Peru
  • Mayra Campos Aragón Universidad de Lima, Perú

DOI:

https://doi.org/10.26439/advocatus2025.n045.8447

Keywords:

Banking netting, contractual netting, legal risk, irregular deposit contract, salary account, reciprocal credit extinction

Abstract

The financial system regulation establishes mechanisms to protect the public savings, required by the Peruvian Political Constitution. One of
those mechanisms is the “Netting”. However, in the last 15 years, Indecopi has issued resolutions preventing the application of this provision; and
among some years, there have been pronouncements from the Judiciary Entity, that include in their analysis the constitutional protection of salary.

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Author Biographies

  • Jhon Pineda Galarza, Universidad Peruana de Ciencias Aplicadas, Peru

    Abogado por la Universidad Peruana de Ciencias Aplicadas
    Máster en Derecho Bancario y Financiero por la Pontificia Universidad Católica del Perú. Profesor de pregrado y en la maestría de Derecho de Empresa y Derecho Bancario en la Pontificia Universidad Católica del Perú

  • Mayra Campos Aragón, Universidad de Lima, Perú

    Abogada por la Universidad de Lima.
    Máster en Derecho Bancario y Financiero por la Pontificia Universidad Católica del Perú.

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Published

2025-12-04

Issue

No. 045 (2025)

Section

Especial

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Legal risk in bank compensation: A look at the Banking Law and the positions of Indecopi and the Judiciary. (2025). Advocatus, 045, 115-132. https://doi.org/10.26439/advocatus2025.n045.8447