Ningún banco será organizado y establecido en Puerto Rico con un capital menor de cinco millones de dólares ($5,000,000) representado en acciones comunes y un fondo de reserva de un millón de dólares ($1,000,000). El Comisionado podrá requerir un capital mayor cuando lo considere conveniente y ventajoso para el mejor interés público. De organizarse bancos con un capital mayor del mínimo aquí prescrito, el fondo de reserva entonces requerido montará a por lo menos el veinte por ciento (20%) del capital. Tanto el capital como el fondo de reserva serán pagados en dinero efectivo, y ambos pagos serán certificados al Comisionado antes que el banco sea autorizado para comenzar operaciones.
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