1030469--3/16/2009--ORIENTAL_FINANCIAL_GROUP_INC

related topics
{loan, real, estate}
{loss, insurance, financial}
{condition, economic, financial}
{capital, credit, financial}
{regulation, government, change}
{competitive, industry, competition}
Changes in interest rates may hurt our business We are at risk because most of our business is conducted in Puerto Rico, which is experiencing a downturn in the economy and in the real estate market Financial results are constantly exposed to market risk The hedging transactions we enter into may not be effective in managing the exposure to market risk, including interest rate risk Our risk management policies, procedures and systems may be inadequate to mitigate all risks inherent in our various businesses A prolonged economic downturn or recession or a continuing decline in the real estate market would likely result in an increase in delinquencies, defaults and foreclosures and in a reduction in loan origination activity which would adversely affect our financial results A continuing decline in the real estate market in the U.S. mainland and ongoing disruptions in the capital markets may harm our investment securities and wholesale funding portfolios Our business could be adversely affected if we cannot maintain access to stable funding sources Our decisions regarding credit risk and the allowance for loan losses may materially and adversely affect our business and results of operations We are subject to default and other risks in connection with our mortgage loan originations Competition with other financial institutions could adversely affect our profitability We operate in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations Legislative and other measures that may be taken by Puerto Rico governmental authorities could materially increase our tax burden or otherwise adversely affect our financial condition, results of operations or cash flows

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