Lourdes Arroyo Independent Consultant < Back to Team Get to know Lourdes Arroyo Areas of Expertise Related Insights ReportsPuerto Rico Banking Report: Q3 2025Financial ServicesMarket and Business AnalyticsXavier DivíJanuary 7, 20268 min readThe Puerto Rico banking sector continues to show robust profitability in 2024 with a Pre-Tax ROE of 20.81%. Despite low loan delinquency rates, some consumer segments, like credit cards and auto loans, show signs of increased delinquency. Discover key trends and insights from the latest banking report. Learn more DashboardsPuerto Rico Economic DashboardFinancial ServicesMarket and Business AnalyticsXavier DivíElvis Torres DelgadoSeptember 3, 20251 min readOur PR economic dashboard offers a snapshot of current P.R. economic and market conditions, based on key economic and market indicators. Find up-to-date economic data consolidated in this dashboard and displayed visually that is easy to read and interpret. Learn more ArticlesUnlocking customer profitability: New value drivers in bankingConsumer ProductsFinancial ServicesHealthcarePublic SectorMarket and Business AnalyticsOperational ExcellenceXavier DivíAnibal Oswaldo Sánchez PastoriniJuly 17, 20256 min readThis insight explores the key value drivers reshaping profitability management, the challenges banks face, and actionable strategies to implement a scalable model that supports sustainable growth. Learn more Related Insights No insights associated with this team member. More insights Prior Experience Education
