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    Timur Brazilia

    Vice President and Credit Analyst at Wells Fargo

    Timur Braziler is a Vice President and Credit Analyst at Wells Fargo, specializing in the coverage of consumer and retail sectors with a focus on credit markets and company fundamentals. He has provided analysis on specific companies within these sectors, including prominent retailers and consumer brands, leveraging his expertise to generate actionable investment research for clients. Braziler has established his career in New York, joining Wells Fargo as Vice President following prior roles in financial analysis and credit risk management, and is registered with FINRA with appropriate securities licenses. He is recognized for his thorough analytical approach and has contributed to well-regarded investment decisions, demonstrating strong performance and sector insight.

    Timur Brazilia's questions to FIRST BANCORP /PR/ (FBP) leadership

    Timur Brazilia's questions to FIRST BANCORP /PR/ (FBP) leadership • Q2 2025

    Question

    Asked about the surprising nature of the Q2 deposit outflows, how the bank plans to fund its expected loan growth in the second half of the year, and the expected geographic and segmental composition of that loan growth.

    Answer

    The deposit decline was due to a concentration of non-recurring business activities and tax payments in a few large commercial accounts. Second-half loan growth will be funded by expected deposit stability and over $1 billion in cash flows from the investment portfolio. The loan growth is expected to be a combination of contributions from both Florida and the Puerto Rico commercial sector, with stability in consumer and some growth in residential mortgages.

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