{"id":3058,"date":"2014-10-15T17:44:43","date_gmt":"2014-10-15T21:44:43","guid":{"rendered":"https:\/\/v2aconsulting.com\/insights\/pr-banking-industry-report-january-to-june-2014\/"},"modified":"2025-01-16T14:28:19","modified_gmt":"2025-01-16T18:28:19","slug":"pr-banking-industry-report-january-to-june-2014","status":"publish","type":"insights","link":"https:\/\/v2aconsulting.com\/es\/insights\/pr-banking-industry-report-january-to-june-2014\/","title":{"rendered":"PR Banking Industry Report - January to June 2014"},"content":{"rendered":"<p>Puerto Rico's banking industry, despite navigating through years of tough economic times, has been able to maintain positive returns, registering a pre-tax ROE of 5.3% during the first half of 2014. Banks with relatively high exposure to PR Government-related assets have continued to de-risk their balance sheets to reduce potential headwinds. Reaching pre-recession levels of profitability remains elusive given continued asset reduction, increasing regulatory costs and intense competition. Capital adequacy continues to strengthen for most banks, while the NPL ratio for the industry deteriorated with respect to 2013. Consumer lending, which continues to support the ever increasing consumerist behavior of Puerto Ricans, offers a bright spot for some banks with good margins and charge offs under control.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Puerto Rico's banking industry, despite navigating through years of tough economic times, has been able to maintain positive returns, registering a pre-tax ROE of 5.3% during the first half of 2014. Banks with relatively high exposure to PR Government-related assets have continued to de-risk their balance sheets to reduce potential headwinds. Reaching pre-recession levels of profitability remains elusive given continued asset reduction, increasing regulatory costs and intense competition. Capital adequacy continues to strengthen for most banks, while the NPL ratio for the industry deteriorated with respect to 2013. Consumer lending, which continues to support the ever increasing consumerist behavior of Puerto Ricans, offers a bright spot for some banks with good margins and charge offs under control.<\/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-3058","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 June 2014 - 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-june-2014\/\" \/>\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 June 2014\" \/>\n<meta property=\"og:description\" content=\"Puerto Rico&#039;s banking industry, despite navigating through years of tough economic times, has been able to maintain positive returns, registering a pre-tax ROE of 5.3% during the first half of 2014. 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