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| related topics |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {regulation, change, law} |
| {debt, indebtedness, cash} |
| {provision, law, control} |
| {regulation, government, change} |
| {competitive, industry, competition} |
|
|
A prolonged economic slowdown, a continuing decline in the real estate market in the U.S. mainland, and ongoing disruptions in the capital markets have harmed and could continue to harm the results of operations of PFH, one of the Corporation s business segments
A prolonged economic downturn or recession would likely result in an increase in delinquencies, defaults and foreclosures and in a reduction of the loan origination activity which would adversely affect the Corporation s financial results.
Financial results are constantly exposed to market risk.
The hedging transactions that the Corporation enters into may not be effective in managing the exposure to market risk, including interest rate risk.
Reductions in the Corporation s credit ratings or those of any of its subsidiaries would increase the cost of borrowing funds and make the Corporation s ability to raise new funds or renew maturing debt more difficult.
A failure to comply with financial covenants in contractual agreements could accelerate payments of related borrowings.
The Corporation is subject to default risk in its loan portfolio.
The Corporation operates in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations.
Competition with other financial institutions could adversely affect the Corporation s profitability.
Rating downgrades on the Government of Puerto Rico s debt obligations could affect the value of the Corporation s loans to the Government and its portfolio of Puerto Rico Government securities.
Our income tax provision and other tax liabilities may be insufficient if taxing authorities are successful in asserting tax positions that are contrary to our position. Additionally, continued loss from operations in future reporting periods may require us to adjust the valuation allowance against our deferred tax assets.
Certain of the provisions contained in the Corporation s Certificate of Incorporation have the effect of making it more difficult to change the Board of Directors, and may make the Board of Directors less responsive to stockholder control.
Full 10-K form ▸
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