763901--3/15/2006--POPULAR_INC

related topics
{loan, real, estate}
{loss, insurance, financial}
{debt, indebtedness, cash}
{capital, credit, financial}
{regulation, government, change}
{competitive, industry, competition}
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. 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. 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. The Corporation is exposed to greater risk because a significant portion of the business is concentrated in Puerto Rico.

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