Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies.
A diversified financial services company with mortgage banking, commercial banking, insurance and investment banking operations in Puerto Rico and a depository institution in New York. Since it was founded, Doral has been continuously profitable through all economic and interest rate cycles: The 7th consecutive year it has achieved record earnings Tax-advantage status as a Puerto Rico company: Puerto Rico's economy typically follows trends in the US: Estimated shortage of overhousing units should continue to support a strong new housing market.
High demand for government sponsored affordable housing units. Almost half of existing low income housing is unfit and needs replacement. Hazard insurance required on all of Doral's mortgages.
Government-sponsored raul blanco diversified underwriting services housing programs: Average loan charge-off rates below those in the US. Refinancings have historically represented a higher proportion of mortgage loan volume than in the US mostly for debt consolidation purposes. Grow Doral Bank by opening new branches throughout Puerto Rico 40 branches, and 6 to 8 in Emphasize greater cross-selling between our business units.
Capture a greater market share of the commercial banking business. Increase the size of our loan servicing portfolio. Increase fee-based revenues from brokerage and insurance. Continue to grow international banks with AAA rated US Government securities and mortgage-backed securities with a tax-free return.
Grow Doral Bank by building a branch network and continue to expand its deposit base recently named as the best bank in service in New York City. Expand multi-family and residential mortgage lending. Expand into bridge and construction lending.
Explore strategic acquisition of depository and mortgage banking institutions as well as other financial businesses. Reported ROE for and after extraordinary items was Reported ROA for and after extraordinary items was 1.
Computed by dividing non-interest expenses by net interest income plus non-interest income excludes non-recurring income. Doral Financial is committed to comply with the highest standards of Corporate Governance.
The Board of Directors is composed of highly qualified persons who have worldwide experience and are specially knowledgeable about our lines of business in Puerto Rico and the US mainland. Doral will continue to provide accurate public reporting and disclosures. Senior Management available to answer questions.
Continued expansion of mortgage banking operations in Puerto Rico. Continued expansion of retail banking operations in Puerto Rico and New York. Continued expansion of new residential business in Puerto Rico. Continued growth on the US mainland. Increase fee-based revenues from brokerage services and insurance.
Various factors, including regional and national economic conditions, substantial changes in levels of market interest rates, credit and other risks of lending and investment activities, competitive and regulatory factors and legislative changes, as well as other factors described in the SEC filings referred to below, could affect the Company's financial performance and could cause actual results for future periods to differ materially from those anticipated or projected.
These include lower than expected performance or higher than expected costs in connection with acquisitions and integration of acquired businesses, the level of capital market activity, inaccuracies in management projections or market forecasts, the actions that management could take in response to these changes and other factors described in the SEC filings referred to below.
For additional detailed information, we refer you to the discussions under the heading "Forward Looking Statements" in the Company's Annual Report on form K for the year ended December 31, and our most recent Quarterly Report on form Q filed with the SEC.
These forward looking statements speak only as of February 1, We will not update forward looking statements to reflect facts, assumptions, circumstances, or events which have changed after they were made.License Name: LASCANO, RAUL AMIN; Real Estate Broker or Sales; License Status: Application Expired; ; Location:, Log On: Home Search for a Licensee Apply for a License View Application Status Find Exam Information File a Complaint AB&T Delinquent Invoice & Activity List Search: AM 8/22/ The mission of Hillsborough County government is to provide effective quality service at a reasonable cost with courtesy, integrity and accountability in a manner that protects and enhances the quality of life of our diverse population.
We are here to help. Our team is an exceptional group of people with an array of different backgrounds, skill sets, and interests. We are dedicated to the success of our partners, and ultimately, to building better futures for the children and youth that we serve.
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The Book of Business: Our book of business shows an increase of 25% in revenues each year for the past 5 years. Despite the recession, we have kept our current clientele and added a substantial amount of business, insuring companies nationwide and worldwide.