{"id":3050,"date":"2013-07-09T19:11:26","date_gmt":"2013-07-09T23:11:26","guid":{"rendered":"https:\/\/v2aconsulting.com\/insights\/pr-banking-industry-report-january-to-march-2013\/"},"modified":"2025-01-16T14:25:13","modified_gmt":"2025-01-16T18:25:13","slug":"pr-banking-industry-report-january-to-march-2013","status":"publish","type":"insights","link":"https:\/\/v2aconsulting.com\/es\/insights\/pr-banking-industry-report-january-to-march-2013\/","title":{"rendered":"PR Banking Industry Report - January to March 2013"},"content":{"rendered":"<p>The local banking industry reached a pre-tax ROE of 7% in Q1 2013 once we eliminate the negative impact from the sale of non performing loan (NPL) portfolios by Popular and FirstBank. The current environment of low leverage and still high provision expenses, is preventing the industry from reaching profitability levels in line with the pre-crisis period. The recent sales of NPL portfolios have helped decrease the delinquency levels but may also impact the local property prices given the discounts involved in the purchase prices which have ranged between 32% and 53% of the unpaid principal balance (UPB).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The local banking industry reached a pre-tax ROE of 7% in Q1 2013 once we eliminate the negative impact from the sale of non performing loan (NPL) portfolios by Popular and FirstBank. The current environment of low leverage and still high provision expenses, is preventing the industry from reaching profitability levels in line with the pre-crisis period. The recent sales of NPL portfolios have helped decrease the delinquency levels but may also impact the local property prices given the discounts involved in the purchase prices which have ranged between 32% and 53% of the unpaid principal balance (UPB).<\/p>\n","protected":false},"author":1,"featured_media":1566,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}}},"categories":[2],"tags":[],"industry":[41],"market":[57],"service":[49],"insight-type":[55],"class_list":["post-3050","insights","type-insights","status-publish","has-post-thumbnail","hentry","category-sin-categorizar","industry-servicios-financieros","market-puerto-rico-es","service-analitica-para-negocios-y-mercado","insight-type-reporte"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PR Banking Industry Report - January to March 2013 - V2A<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/v2aconsulting.com\/es\/insights\/pr-banking-industry-report-january-to-march-2013\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PR Banking Industry Report - January to March 2013\" \/>\n<meta property=\"og:description\" content=\"The local banking industry reached a pre-tax ROE of 7% in Q1 2013 once we eliminate the negative impact from the sale of non performing loan (NPL) portfolios by Popular and FirstBank. 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