Operational efficiency is being realized through omnichannel technology adoption, allowing the bank to reinvest savings into new digital products and value-added services.The Puerto Rico economy provides a constructive backdrop with historically low unemployment and significant annual reconstruction fund inflows of $4 billion to $6 billion.Management attributes improved credit metrics to 2022 underwriting adjustments that shifted the auto portfolio to 99% prime quality.Core deposits grew more than 4% year-o ...