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Navigation Instructions

Choose Icon Category:

Profitability: it exhibits the levels and sources of profitability of the main players in the Puerto Rico Banking Industry through a ROE Tree scheme
Productivity: it provides the main banking efficiency indicators
Capital Adequacy: it puts forth the most relevant capital regulatory requirement variables and ratios
Asset Quality: it reviews the capitalization levels, asset portfolio composition and noncurrent loans and leases analysis
Liquidity: it provides data on banks’ funding sources, market share of deposits and brokered deposits levels

Choose Main Header Category:

Intro: it includes the Navigation Instructions for the interface, a list of the abbreviations, a list of glossary terms and sources, and a Legal Disclaimer

Choose Second Level Header Category:

Overview: an introduction summary
Navigation Instructions: a comprehensive navigation tutorial for the end user
Glossary and Sources: a list of abbreviations, glossary of terms and reference list
Bank Comparison: variable and ratio cross-sectional analysis among banks for a specific quarter
Time Series: variable and ratio longitudinal analysis among banks through time
Legal Disclaimer: a legal statement regarding the information provided

Choose ROE Tree Category when in Profitability:

,,, and : by selecting any of the four node numbers of the ROE Tree, it will appear a dashboard including all the ratios linked to the adjacent boxes (i.e. selecting a node number)

: by selecting any of the twelve boxes of the ROE Tree, it will appear a dashboard including the ratio, the numerator and the denominator values (i.e. selecting a box)

Pre-Tax ROE, Pre-Tax ROA and Assets / Equity

1.1) Pre-Tax ROE, Profit Before Taxes and Shareholders’ Equity

1.2) Pre-Tax ROA, Profit Before Taxes and Total Assets

1.3) Assets / Equity, Total Assets and Shareholders’ Equity

Pre-Tax ROA, Operating Income / Assets, Operating Expenses / Assets, Loan Impairment Provision / Assets and Non-Operating Income / Assets

1.2.1) Operating Income / Assets, Operating Income and Total Assets

1.2.2) Operating Expenses / Assets, Operating Expenses and Total Assets

1.2.3) Loan Impairment Provision / Assets, Loan Impairment Provision and Total Assets

1.2.4) Non-Operating Income / Assets, Non-Operating Income and Total Assets

Operating Income / Assets, Net Interest Income / Assets, Commissions and Fees / Assets and Other Income / Assets

1.2.1.1) Net Interest Income / Assets, Net Interest Income and Total Assets

1.2.1.2) Commissions and Fees / Assets, Commissions and Fees and Total Assets

1.2.1.3) Other Income / Assets, Other Income and Total Assets

Net Interest Income / Assets, Interest Income / Assets and Interest Expense / Assets

1.2.1.1.1) Interest Income / Assets, Interest Income and Total Assets

1.2.1.1.2) Interest Expense / Assets, Interest Expense and Total Assets

Choose Third Level Header Category when in Productivity:

Efficiency Ratio
Income / Assets
Expenses / Assets
Total Expenses
Income / Branches
Personnel Costs

Choose Third Level Header Category when in Capital Adequacy:

Tier 1 Leverage Ratio
Tier 1 Risk-based Capital Ratio
Total Risk-based Capital Ratio

Choose Third Level Header Category when in Asset Quality:

Noncurrent Loans and Leases Ratio
Charge-off (Loss) Ratio
Loan Loss Reserves / Noncurrent Loans and Leases

Choose Third Level Header Category when in Liquidity:

Brokered Deposits / Total Deposits Ratio

Choose View:

Year-to-date (YTD): annualized variable and ratio analysis of the current calendar year up to the current quarter
Quarter: annualized variable and ratio analysis by quarter
Rolling Average, 4 Quarters: annualized variable and ratio analysis through a moving average of the last four quarters

Choose Bank:

BPPR : Banco Popular de Puerto Rico
FB : FirstBank Puerto Rico
BS : Banco Santander Puerto Rico
OB : Oriental Bank
SB : Scotiabank de Puerto Rico
IND : Puerto Rico Banking Industry

Choose Year:

Years: observations from 2010 until the most current available year

Choose Quarter:

Quarters: Q1, Q2, Q3 or Q4
When in Banks Comparison mode and Calendar Year view, Choose Quarter option becomes irrelevant (N/A when in Calendar Year View)

Go to the bank’s website for additional information:

Select a bank legend color

Highlight a Bank (i.e. bar or line) for quickly spot the variable of interest:

Select a particular bank variable of any chart available in the dashboard

Download dashboards to PDF:

Choose a dashboard
Select Download
Select PDF

Export dashboards’ charts to Excel:

Choose a dashboard
Select a specific chart of the dashboard
Select Download
Select Data

Share reports through email and social media:

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Select Share
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Go to V2A’s website and subscribe to our quarterly Banking Industry Reports, latest news and articles:

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