<PAGE> 1
Pricing Supplement, dated October 7, 1993
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: October 8, 1993
MATURITY DATE: October 8, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.48%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated October 7, 1993
<PAGE> 2
424 (b)(2)
Pricing Supplement, dated October 15, 1993 File No. 33-41686
to the Prospectus Supplement
dated October 11, 1991, and
Prospectus dated October 1, 1991
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: October 15, 1993
MATURITY DATE: April 17, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 3.5625%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.1875%
INTEREST RATE RESET PERIOD: 12/15/93 12/21/94
03/16/94 03/15/95
06/15/94 04/17/95
09/21/94
INTEREST PAYMENT PERIOD: Third Wednesday of March, June, September &
December
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used by the Company to repay indebtedness incurred by the
Company in connection with the purchase of Spring Financial Services Inc. On
the date hereof, such indebtedness being at the rate of 6.50% per annum.
Pricing Supplement dated October 15, 1993
<PAGE> 3
Pricing Supplement, dated October 15, 1993
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: October 15, 1993
MATURITY DATE: April 17, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.80%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated October 15, 1993
<PAGE> 4
Pricing Supplement, dated October 19, 1993
to Prospectus Supplement
dated June 16, 1993, and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM NOTES
SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: October 20, 1993
MATURITY DATE: October 26, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.48%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial's operations.
Pricing Supplement dated October 19, 1993
<PAGE> 5
Pricing Supplement, dated October 21, 1993
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: October 26, 1993
MATURITY DATE: October 26, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.48%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated October 21, 1993
<PAGE> 6
Pricing Supplement, dated November 22, 1993
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: November 24, 1993
MATURITY DATE: November 25, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 3.95%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.45%
INTEREST RATE RESET PERIOD: 12/15/93 12/21/94 12/20/95
03/16/94 03/15/95 03/20/96
06/15/94 06/21/95 06/19/96
09/21/94 09/20/95 09/18/96
INTEREST PAYMENT PERIOD: Third Wednesday of March, June, September &
December
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated November 22, 1993
<PAGE> 7
Pricing Supplement, dated December 2, 1993
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: December 6, 1993
MATURITY DATE: December 6, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.33%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated December 2, 1993
<PAGE> 8
Pricing Supplement, dated December 15, 1993
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: December 17, 1993
MATURITY DATE: December 17, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 3.8125%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.50%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 17th or next good business day of
March, June, September and December.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated December 15, 1993
<PAGE> 9
Pricing Supplement, dated January 3, 1994
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: January 5, 1994
MATURITY DATE: January 7, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 3.875%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.50%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated January 3, 1994
<PAGE> 10
Pricing Supplement, dated January 3, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: January 5, 1994
MATURITY DATE: January 7, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.45%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated January 3, 1994
<PAGE> 11
Pricing Supplement, dated February 28, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: March 2, 1994
MATURITY DATE: March 2, 1999
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.36%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated February 28, 1994
<PAGE> 12
Pricing Supplement, dated March 4, 1994
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: March 7, 1994
MATURITY DATE: September 4, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.05813%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.23%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
First interest payment will be on June 15,
1994.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 4, 1994
<PAGE> 13
Pricing Supplement, dated March 15, 1994
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: March 15, 1994
MATURITY DATE: March 19, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.275%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.40%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
First interest payment will be on June 15,
1994.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 15, 1994
<PAGE> 14
Pricing Supplement, dated March 16, 1994
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $25,000,000.00
ORIGINAL ISSUE DATE: March 16, 1994
MATURITY DATE: March 19, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.25%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.375%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
First interest payment will be on June 15,
1994.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 16, 1994
<PAGE> 15
Pricing Supplement, dated March 17, 1994
to Prospectus Supplement
dated May 3, 1993 and
Prospectus dated May 17, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: March 18, 1994
MATURITY DATE: March 19, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.25%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.375%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
First interest payment will be on June 15,
1994.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 17, 1994
<PAGE> 16
Pricing Supplement, dated March 23, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: March 25, 1994
MATURITY DATE: March 25, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.60%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 23, 1994
<PAGE> 17
Pricing Supplement, dated March 25, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: March 28, 1994
MATURITY DATE: March 28, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.68%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated March 25, 1994
<PAGE> 18
Pricing Supplement, dated April 12, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993 and
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES A
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: April 13, 1994
MATURITY DATE: April 13, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.98%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated April 12, 1994
<PAGE> 19
Pricing Supplement, dated April 13, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: April 13, 1994
MATURITY DATE: April 13, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.1875%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.1875%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
First interest payment will be on June 15,
1994.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated April 13, 1994
<PAGE> 20
Pricing Supplement, dated May 3, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: May 5, 1994
MATURITY DATE: May 5, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 4.725%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.35%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: Pays the 3rd Wednesday or next good business
day of March, June, September and December.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated May 3, 1994
<PAGE> 21
Pricing Supplement, dated May 11, 1994
to Prospectus Supplement
dated June 16, 1993 and
Prospectus dated May 3, 1993
Supplement to Prospectus dated September 30, 1993
BANPONCE FINANCIAL CORP.
MEDIUM-TERM
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: May 13, 1994
MATURITY DATE: May 15, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.0625%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.25%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: 8/15/94, 11/15/94, 2/15/95 & 5/15/95.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
Pricing Supplement dated May 11, 1994
<PAGE> 22
Pricing Supplement, dated August 19, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM NOTES
SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: August 23, 1994
MATURITY DATE: August 23, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.87%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial's operations.
Pricing Supplement dated August 19, 1994
<PAGE> 23
Pricing Supplement, dated August 19, 1994
to Prospectus Supplement
dated August 1, 1994, and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM NOTES
SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: August 26, 1994
MATURITY DATE: August 26, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.17%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial's operations.
Pricing Supplement dated August 19, 1994
<PAGE> 24
Pricing Supplement, dated October 17, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: October 20, 1994
MATURITY DATE: July 20, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.25%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: At Maturity 7/20/95.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
<PAGE> 25
Pricing Supplement, dated October 17, 1994
to Prospectus Supplement
dated August 1, 1993 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $5,000,000.00
ORIGINAL ISSUE DATE: October 20, 1994
MATURITY DATE: July 17, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.25%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Spring Financial operations.
<PAGE> 26
Pricing Supplement, dated October 17, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM NOTE SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: January 26, 1995
MATURITY DATE: January 27, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.750%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.375%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: 03/15/95, 06/15/95, 09/20/95, 12/20/95,
03/20/96, 06/19/96, 09/18/96, 12/18/96 and
1/27/97
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 27
"REVISED COPY"
Pricing Supplement, dated October 28, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: November 1, 1994
MATURITY DATE: August 15, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.73%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: 6/15 & 12/15
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 28
Pricing Supplement, dated October 28, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $20,000,000.00
ORIGINAL ISSUE DATE: November 1, 1994
MATURITY DATE: November 4, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 8.12%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 29
Pricing Supplement, dated November 17, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $1,100,000.00
ORIGINAL ISSUE DATE: November 23, 1994
MATURITY DATE: November 23, 1999
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 8.41%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 30
Pricing Supplement, dated November 17, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: November 23, 1994
MATURITY DATE: October 23, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.70%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 31
Pricing Supplement, dated November 17, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: November 23, 1994
MATURITY DATE: November 24, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 8.04%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 32
Pricing Supplement, dated December 8, 1994
to Prospectus Supplement
dated August 1, 1994 and
Prospectus dated July 21, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $25,000,000.00
ORIGINAL ISSUE DATE: December 8, 1994
MATURITY DATE: December 9, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 8.17%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 33
Pricing Supplement, dated January 26, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: January 30, 1995
MATURITY DATE: January 30, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 8.32%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 34
Pricing Supplement, dated January 26, 1995
Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM NOTE SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: January 30, 1995
MATURITY DATE: January 30, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.6925%
INTEREST RATE BASIS: FLOATING
INDEX MATURITY: 3 month libor
SPREAD: +.38%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: 03/15/95, 06/15/95, 09/20/95, 12/20/95,
03/20/96, 06/19/96, 09/18/96, 12/18/96 and
1/30/97
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One operations.
<PAGE> 35
Pricing Supplement, dated April 13, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: April 13, 1995
MATURITY DATE: April 13, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.72 per cent
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually: June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 36
Pricing Supplement, dated April 13, 1995,
to the Prospectus Supplement, dated April 13, 1995,
to the Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $13,000,000.00
ORIGINAL ISSUE DATE: February 15, 1995
SETTLEMENT DATE: April 13, 1995
MATURITY DATE: February 16, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.4375%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: +.125%
INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95.
INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95)
8/17/95, 11/16/95, AND 2/16/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a minimum
of two of the six Nationally Recognized
Statistical Rating Organizations, the
purchaser shall have the unconditional right
to demand prepayment of 100% of the
outstanding principal amount of the note
plus accrued interest. Such demand shall be
made by telephone from the purchaser to the
issuer up until 12:00 p.m., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 37
Pricing Supplement, dated April 13, 1995,
to the Prospectus Supplement, dated April 13, 1995,
to the Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: February 15, 1995
SETTLEMENT DATE: April 13, 1995
MATURITY DATE: February 16, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.4375%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: +.125%
INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95.
INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95)
8/17/95, 11/16/95, AND 2/16/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a minimum
of two of the six Nationally Recognized
Statistical Rating Organizations, the
purchaser shall have the unconditional right
to demand prepayment of 100% of the
outstanding principal amount of the note
plus accrued interest. Such demand shall be
made by telephone from the purchaser to the
issuer up until 12:00 p.m., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 38
Pricing Supplement, dated April 13, 1995,
to the Prospectus Supplement, dated April 13, 1995,
to the Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $27,000,000.00
ORIGINAL ISSUE DATE: February 15, 1995
SETTLEMENT DATE: April 13, 1995
MATURITY DATE: February 16, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.4375%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: +.125%
INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, AND 11/14/95.
INTEREST PAYMENT PERIOD: 7/3/95 (WILL COVER FROM 2/15/95 TO 5/18/95)
8/17/95, 11/16/95, AND 2/16/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a minimum
of two of the six Nationally Recognized
Statistical Rating Organizations, the
purchaser shall have the unconditional right
to demand prepayment of 100% of the
outstanding principal amount of the note
plus accrued interest. Such demand shall be
made by telephone from the purchaser to the
issuer up until 12:00 p.m., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 39
Pricing Supplement, dated April 13, 1995,
to the Prospectus Supplement, dated April 13, 1995,
to the Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $40,000,000.00
ORIGINAL ISSUE DATE: February 16, 1995
MATURITY DATE: February 3, 1997
SETTLEMENT DATE: April 13, 1995
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.6625%
INTEREST RATE BASIS: 3 month libor
INDEX MATURITY: N/A
SPREAD: +.35%
INTEREST RATE RESET PERIOD: Two business days prior.
INTEREST PAYMENT PERIOD: 7/3/95, 9/20/95, 12/20/95, 3/20/96, 6/19/96,
9/18/96, 12/18/96, and 2/3/97.
REDEMPTION PROVISIONS: N/A
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 40
Pricing Supplement, dated April 13, 1995,
to the Prospectus Supplement, dated April 13, 1995,
to the Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $25,000,000.00
ORIGINAL ISSUE DATE: February 28, 1995
SETTLEMENT DATE: April 13, 1995
MATURITY DATE: February 28, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.375%
INTEREST RATE BASIS: 3 month libor
INDEX MATURITY: N/A
SPREAD: +.125%
INTEREST RATE RESET PERIOD: 5/16/95, 8/15/95, and 11/14/95.
INTEREST PAYMENT PERIOD: 7/3/95 (will cover from 2/28/95 to 5/18/95)
8/17/95, 11/16/95, and 2/28/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a minimum
of two of the six Nationally Recognized
Statistical Rating Organizations, the
purchaser shall have the unconditional right
to demand prepayment of 100% of the
outstanding principal amount of the note
plus accrued interest. Such demand shall be
made by telephone from the purchaser to the
issuer up until 12:00 p.m., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 41
Pricing Supplement, dated April 19, 1995
to the Prospectus Supplement, dated April 13, 1995 and
Prospectus, dated July 21, 1994
BANPONCE CORPORATION
MEDIUM-TERM SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
<TABLE>
<CAPTION>
<S> <C>
PRINCIPAL AMOUNT . . . . . . . . . . . . . . . . . . . . . . . . U.S. $30,000,000.00
ORIGINAL ISSUE/SETTLEMENT DATE . . . . . . . . . . . . . . . . . APRIL 21, 1995
MATURITY DATE . . . . . . . . . . . . . . . . . . . . . . . . . APRIL 21, 1997
GLOBAL NOTE . . . . . . . . . . . . . . . . . . . . . . . . . . YES
INITIAL INTEREST RATE . . . . . . . . . . . . . . . . . . . . . 6.60%
INTEREST RATE BASIS . . . . . . . . . . . . . . . . . . . . . . 3 MONTH LIBOR
INDEX MATURITY . . . . . . . . . . . . . . . . . . . . . . . . N/A
SPREAD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35%
INTEREST RATE RESET PERIOD . . . . . . . . . . . . . . . . . . . TWO BUSINESS DAYS
PRIOR
INTEREST PAYMENT PERIOD . . . . . . . . . . . . . . . . . . . . 7/20/95, 10/18/95, 1/17/96,
4/17/96, 7/19/96, 10/18/96,
1/17/97 AND 4/21/97.
REDEMPTION PROVISIONS . . . . . . . . . . . . . . . . . . . . . N/A
</TABLE>
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 42
Pricing Supplement, dated May 1, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $20,000,000.00
ORIGINAL ISSUE DATE: May 3, 1995
MATURITY DATE: May 3, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.65%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 43
Pricing Supplement, dated May 1, 1995
to the Prospectus Supplement, dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORPORATION
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $20,000,000.00
ORIGINAL ISSUE/SETTLEMENT DATE: May 3, 1995
MATURITY DATE: May 3, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.6475%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: .46%
INTEREST RATE RESET PERIOD: Two business days prior
INTEREST PAYMENT PERIOD: 6/21/95, 9/20/95, 12/20/95, 3/20/96,
6/19/96, 9/18/96, 12/18/96, 3/19/97,
6/18/97, 9/17/97, 12/17/97, 3/18/98,
6/17/98, 9/16/98, 12/16/98, 3/17/99,
6/16/99, 9/15/99, 12/15/99, 3/18/2000 &
5/3/2000
REDEMPTION PROVISIONS N/A
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 44
Pricing Supplement, dated May 11, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: May 15, 1995
MATURITY DATE: May 15, 2002
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.175%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 45
Pricing Supplement, dated May 15, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $7,000,000.00
ORIGINAL ISSUE DATE: May 17, 1995
MATURITY DATE: May 16, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.71%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: First Interest Coupon 12-15-
95, 6-15-96, 12-15-96 & 5-16-
97.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation Subsidiaries.
<PAGE> 46
Pricing Supplement, dated June 1, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: June 5, 1995
MATURITY DATE: June 5, 2002
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 7.30%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 47
Pricing Supplement, dated June 12, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $20,000,000.00
ORIGINAL ISSUE DATE: June 16, 1995
MATURITY DATE: June 16, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.88%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 48
Pricing Supplement, dated July 19, 1995
to the Prospectus, dated July 21, 1994 and
Prospectus Supplement, dated August 1, 1994
BANPONCE FINANCIAL CORPORATION
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE/SETTLEMENT DATE: July 20, 1995
MATURITY DATE: July 21, 1997
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.125%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: .25%
INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS
PRIOR
INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR
NEXT GOOD BUSINESS
DAY OF MARCH, JUNE,
SEPTEMBER AND
DECEMBER.
REDEMPTION PROVISIONS: N/A
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 49
Pricing Supplement, dated July 26, 1995
to the Prospectus, dated July 21, 1994 and
Prospectus Supplement, dated August 1, 1994
BANPONCE FINANCIAL CORPORATION
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE/SETTLEMENT DATE: July 27, 1995
MATURITY DATE: July 28, 1997
GLOBAL NOTE: YES
INITIAL INTEREST RATE: 6.18359%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: .25%
INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS
PRIOR
INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR
NEXT GOOD BUSINESS
DAY OF MARCH, JUNE,
SEPTEMBER, AND
DECEMBER,
COMMENCING
SEPTEMBER 20, 1995.
REDEMPTION PROVISIONS: N/A
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 50
Pricing Supplement, dated August 08, 1995
to the Prospectus Supplement, dated July 21, 1994 and
Prospectus Supplement, dated August 1, 1994
BANPONCE FINANCIAL CORPORATION
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE/SETTLEMENT DATE: August 10, 1995
MATURITY DATE: August 10, 1998
GLOBAL NOTE: YES
INITIAL INTEREST RATE: 6.165%
INTEREST RATE BASIS: 3 MONTH LIBOR
INDEX MATURITY: N/A
SPREAD: .29%
INTEREST RATE RESET PERIOD: TWO BUSINESS DAYS
PRIOR
INTEREST PAYMENT PERIOD: THIRD WEDNESDAY OR
NEXT GOOD BUSINESS
DAY OF MARCH, JUNE,
SEPTEMBER AND
DECEMBER,
COMMENCING
SEPTEMBER 20, 1995.
REDEMPTION PROVISIONS: N/A
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 51
Pricing Supplement, dated September 8, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated April 13, 1995
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 1
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $500,000.00
ORIGINAL ISSUE DATE: September 12, 1995
MATURITY DATE: September 11, 1998
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.39%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: 6/15 & 12/15 (First Interest
Coupon 12/15/95)
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation Subsidiaries.
<PAGE> 52
Pricing Supplement, dated September 20, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $20,000,000.00
ORIGINAL ISSUE DATE: September 21, 1995
MATURITY DATE: September 21, 2000
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.69%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 53
Pricing Supplement, dated November 21, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $10,000,000.00
ORIGINAL ISSUE DATE: November 22, 1995
MATURITY DATE: November 22, 1999
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.33%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: 6/15, 12/15, First Payment
12/15/95.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 54
Pricing Supplement, dated December 5, 1995
to Prospectus dated July 21, 1994 and
Prospectus Supplement dated August 1, 1994
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES B
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: December 7, 1995
MATURITY DATE: September 9, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.86%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: First Payment 6/15/96 and at
the maturity date.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
<PAGE> 55
Pricing Supplement, dated December 6, 1995,
to the Prospectus, dated September 27, 1995,
and Prospectus Supplement, dated October 6, 1995
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 2
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $3,000,000.00
ORIGINAL ISSUE DATE: December 12, 1995
SETTLEMENT DATE: December 12, 1995
MATURITY DATE: December 18, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.9125%
INTEREST RATE BASIS: 3 month libor
INDEX MATURITY: N/A
SPREAD: +.10%
INTEREST RATE RESET PERIOD: 03/18/95, 06/17/96 and 09/16/96.
INTEREST PAYMENT PERIOD: 03/20/96, 06/19/96, 09/18/96 and 12/18/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a
minimum of two of the six Nationally
Recognized Statistical Rating Organizations,
the purchaser shall have the unconditional
right to demand prepayment of 100% of the
outstanding principal amount of the note plus
accrued interest. Such demand shall be made
by telephone from the purchaser to the issuer
up until 12:00 p.m.., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 56
Pricing Supplement, dated December 6, 1995,
to the Prospectus, dated September 27, 1995,
and the Prospectus Supplement, dated October 6, 1995
BANPONCE CORPORATION
MEDIUM-TERM NOTES, SERIES 2
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
PRINCIPAL AMOUNT: U.S. $7,000,000.00
ORIGINAL ISSUE DATE: December 12, 1995
SETTLEMENT DATE: December 12, 1995
MATURITY DATE: December 18, 1996
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 5.9125%
INTEREST RATE BASIS: 3 month libor
INDEX MATURITY: N/A
SPREAD: +.10%
INTEREST RATE RESET PERIOD: 03/18/95, 06/17/96 and 09/16/96
INTEREST PAYMENT PERIOD: 03/20/96, 06/19/96, 09/18/96 and 12/18/96.
REDEMPTION PROVISIONS: "If BanPonce Corporation does not maintain
top-tier short-term ratings from a
minimum of two of the six Nationally
Recognized Statistical Rating Organizations,
the purchaser shall have the unconditional
right to demand prepayment of 100% of the
outstanding principal amount of the note plus
accrued interest. Such demand shall be made
by telephone from the purchaser to the issuer
up until 12:00 p.m.., Cst, on the same
business day on which the prepayment will be
made. The issuer shall pay to the purchaser
the principal amount under the note(s) and
all interest accrued and not paid theretofore
on the date of prepayment. All payments
shall be made in immediately available
funds."
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance BanPonce Corporation subsidiaries.
<PAGE> 57
Pricing Supplement, dated December 19, 1995
to Prospectus dated September 27, 1995 and
Prospectus Supplement dated October 6, 1995
BANPONCE FINANCIAL CORP.
MEDIUM-TERM SERIES C
Due From Nine Months to 30 Years From Date of Issue
Payment of Principal, Premium, if any, and Interest
Guaranteed by
BANPONCE CORPORATION
PRINCIPAL AMOUNT: U.S. $15,000,000.00
ORIGINAL ISSUE DATE: December 21, 1995
MATURITY DATE: December 21, 2005
GLOBAL NOTE: Yes
INITIAL INTEREST RATE: 6.80%
INTEREST RATE BASIS: Fixed
INDEX MATURITY: N/A
SPREAD: N/A
INTEREST RATE RESET PERIOD: N/A
INTEREST PAYMENT PERIOD: Semi-Annually:
June 15 and December 15.
The proceeds from the issuance of the Note to which this Pricing Supplement
relates will be used to finance Equity One, Inc. operations.
