{"version":"1.0","provider_name":"V2A","provider_url":"https:\/\/v2aconsulting.com\/es\/","author_name":"v2awebsite","author_url":"https:\/\/v2aconsulting.com\/es\/author\/v2awebsite\/","title":"PR Banking Industry Report - January to September 2016","type":"rich","width":600,"height":338,"html":"<blockquote class=\"wp-embedded-content\" data-secret=\"Fzu1EOMGIx\"><a href=\"https:\/\/v2aconsulting.com\/es\/insights\/pr-banking-industry-report-january-to-september-2016\/\">PR Banking Industry Report - January to September 2016<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/v2aconsulting.com\/es\/insights\/pr-banking-industry-report-january-to-september-2016\/embed\/#?secret=Fzu1EOMGIx\" width=\"600\" height=\"338\" title=\"\u00abPR Banking Industry Report - January to September 2016\u00bb \u2014 V2A\" data-secret=\"Fzu1EOMGIx\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/v2aconsulting.com\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n","thumbnail_url":"https:\/\/v2aconsulting.com\/wp-content\/uploads\/2024\/08\/Webslider-Banking-Reports-01-1.jpg","thumbnail_width":1652,"thumbnail_height":1097,"description":"The banking industry has largely become acclimated to a challenging local operating market, sustaining positive and increasing levels of profitability on a consolidated basis for 3 consecutive years, reaching a Pre-Tax ROE of 7.1% in YTD 2016. Although the economic and fiscal landscape might very well continue to deteriorate in coming quarters before there is a turnaround, as per the Planning Board's downward revised economic growth forecasts (-2.3% for FY 2017) and the daunting liquidity issues and debt obligations being faced by the government, Dodd-Frank Act Stress Tests (DFAST) results indicate that local banks can withstand additional pressures given strong capital positions. In this issue we will present trends in ATM-related indicators, check processing and POS transactions. ATM terminals, ATM debit transactions and check processing have all decreased significantly in the past 5 years, while POS transactions have materially increased, pointing to increased use of online\/mobile banking and non-cash methods of payment. Lastly, we analyze the implications of interest rate hikes by the U.S. Federal Reserve Board on the local economy and banking sector."}