Regulatory capital requirements (Tables)

12 Months Ended

Dec. 31, 2024

Disclosure Regulatory Capital Requirements Additional Information [Abstract]

Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations

The following tables present the Corporation’s risk-based capital and leverage ratios at December 31, 2024 and 2023 under the

Basel III regulatory guidance.

Actual 

Capital adequacy minimum

requirement (including

conservation capital buffer) [1]

(Dollars in thousands)

Amount 

Ratio

Amount

Ratio

2024

Total Capital (to Risk-Weighted Assets):

Corporation

$

6,968,203

17.83

%

$

4,102,713

10.50

%

BPPR

4,734,198

17.04

2,917,399

10.50

PB

1,524,930

13.93

1,149,278

10.50

Common Equity Tier I Capital (to Risk-Weighted Assets):

Corporation

$

6,262,792

16.03

%

$

2,735,142

7.00

%

BPPR

4,383,759

15.78

1,944,932

7.00

PB

1,461,436

13.35

766,186

7.00

Tier I Capital (to Risk-Weighted Assets):

Corporation

$

6,284,935

16.08

%

$

3,321,244

8.50

%

BPPR

4,383,759

15.78

2,361,704

8.50

PB

1,461,436

13.35

930,368

8.50

Tier I Capital (to Average Assets):

Corporation 

$

6,284,935

8.66

%

$

2,903,739

4.00

% 

BPPR

4,383,759

7.48

2,343,289

4.00

PB

1,461,436

10.64

549,618

4.00

[1] The conservation capital buffer included for these ratios is

2.5

%, except for the Tier I to Average Asset ratio for which the buffer is not applicable

and therefore the capital adequacy minimum of

4

% is presented.

Actual 

Capital adequacy minimum

requirement (including

conservation capital buffer)

(Dollars in thousands)

Amount 

Ratio

Amount

Ratio

2023

Total Capital (to Risk-Weighted Assets):

Corporation

$

6,733,964

18.13

%

$

3,900,365

10.500

%

BPPR

4,811,675

18.15

2,782,976

10.500

PB

1,491,549

14.38

1,088,754

10.500

Common Equity Tier I Capital (to Risk-Weighted Assets):

Corporation

$

6,053,315

16.30

%

$

2,600,243

7.000

%

BPPR

4,478,033

16.90

1,855,317

7.000

PB

1,426,037

13.75

725,836

7.000

Tier I Capital (to Risk-Weighted Assets):

Corporation

$

6,075,458

16.36

%

$

3,157,438

8.500

%

BPPR

4,478,033

16.90

2,252,885

8.500

PB

1,426,037

13.75

881,372

8.500

Tier I Capital (to Average Assets):

Corporation 

$

6,075,458

8.51

%

$

2,854,127

4

%

BPPR

4,478,033

7.64

2,343,174

4

PB

1,426,037

11.23

507,942

4

Schedule Of Minimum Amount And Ratios To Be Categorized As Well Capitalized

The following table presents the minimum amounts and ratios for the Corporation’s banks to be categorized as well-capitalized.

2024

2023

(Dollars in thousands)

Amount 

Ratio 

Amount 

Ratio

Total Capital (to Risk-Weighted Assets):

BPPR

$

2,778,475

10

%

$

2,650,453

10

%

PB

1,094,551

10

1,036,909

10

Common Equity Tier I Capital (to Risk-Weighted Assets):

BPPR

$

1,806,009

6.5

%

$

1,722,795

6.5

%

PB

711,458

6.5

673,991

6.5

Tier I Capital (to Risk-Weighted Assets):

BPPR

$

2,222,780

8

%

$

2,120,363

8

%

PB

875,641

8

829,527

8

Tier I Capital (to Average Assets):

BPPR

$

2,929,111

5

%

$

2,928,968

5

%

PB

687,022

5

634,927

5