<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BANPONCE CORPORATION FOR THE NINE MONTHS ENDED SEPTEMBER
30, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY>   U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<EXCHANGE-RATE>                                  1,000
<CASH>                                         376,086
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                               714,085
<TRADING-ASSETS>                               281,359
<INVESTMENTS-HELD-FOR-SALE>                  1,377,192
<INVESTMENTS-CARRYING>                       3,107,252
<INVESTMENTS-MARKET>                         3,111,319
<LOANS>                                      8,486,900
<ALLOWANCE>                                    164,430
<TOTAL-ASSETS>                              14,934,595
<DEPOSITS>                                   9,728,384
<SHORT-TERM>                                 3,061,702
<LIABILITIES-OTHER>                            246,467
<LONG-TERM>                                    744,403
<COMMON>                                       197,534
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    100,000
<OTHER-SE>                                     804,513
<TOTAL-LIABILITIES-AND-EQUITY>              14,934,595
<INTEREST-LOAN>                                599,254
<INTEREST-INVEST>                              189,772
<INTEREST-OTHER>                                18,469
<INTEREST-TOTAL>                               807,495
<INTEREST-DEPOSIT>                             245,536
<INTEREST-EXPENSE>                             379,433
<INTEREST-INCOME-NET>                          428,062
<LOAN-LOSSES>                                   43,331
<SECURITIES-GAINS>                               2,062
<EXPENSE-OTHER>                                362,635
<INCOME-PRETAX>                                146,852
<INCOME-PRE-EXTRAORDINARY>                     106,109
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   106,109
<EPS-PRIMARY>                                     3.04
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.75
<LOANS-NON>                                    143,586
<LOANS-PAST>                                    15,967
<LOANS-TROUBLED>                                 2,835
<LOANS-PROBLEM>                                158,763
<ALLOWANCE-OPEN>                               153,798
<CHARGE-OFFS>                                   53,464
<RECOVERIES>                                    20,765
<ALLOWANCE-CLOSE>                              164,430
<ALLOWANCE-DOMESTIC>                           163,980
<ALLOWANCE-FOREIGN>                                450
<ALLOWANCE-UNALLOCATED>                              0