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Allowance for credit losses - loans held-in-portfolio | 9 Months Ended
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Sep. 30, 2024
Allowance For Credit Loss [Abstract] |
Allowance for credit losses | Note 8 – Allowance for credit losses – loans held-in-portfolio The Corporation follows the current expected credit loss (“CECL”) model, to establish and evaluate the adequacy of the ACL to provide for expected losses in the loan portfolio. This model establishes a forward-looking methodology that reflects the expected credit losses over the lives of financial assets, starting when such assets are first acquired or originated. In addition, CECL provides that the initial ACL on PCD financial assets be recorded as an increase to the purchase price, with subsequent changes to the allowance recorded as a credit loss expense. The provision for credit losses recorded in current operations is based on this methodology. Loan losses are charged, and recoveries are credited to the ACL. The Corporation’s modeling framework includes competing risk models that generate lifetime default and prepayment estimates as well as other loan level techniques to estimate loss severity. These models combine credit risk factors, which include the impact of loan modifications, with macroeconomic expectations to derive the lifetime expected loss. At September 30, 2024, the Corporation estimated the ACL by weighting the outputs of optimistic, baseline, and pessimistic scenarios. Among the three scenarios used to estimate the ACL, the baseline is assigned the highest probability, followed by the pessimistic scenario given the uncertainties in the economic outlook and downside risk. The weightings applied are subject to evaluation on a quarterly basis as part of the ACL’s governance process. The Corporation evaluates, at least on an annual basis, the assumptions tied to the CECL accounting framework. These include the reasonable and supportable period as well as the reversion window. The following tables present the changes in the ACL of loans held-in-portfolio and unfunded commitments for the quarter and nine months ended September 30, 2024 and 2023. For the quarter ended September 30, 2024 BPPR Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-offs Recoveries Balances Allowance for credit losses - loans: Commercial Commercial multi-family $ 3,303 $ (417) $ - $ - $ - $ 2,886 Commercial real estate non-owner occupied 53,386 3,344 - (69) 59 56,720 Commercial real estate owner occupied 39,375 (2,418) - (2) 1,556 38,511 Commercial and industrial 111,263 16,597 - (6,190) 1,461 123,131 Total Commercial 207,327 17,106 - (6,261) 3,076 221,248 Construction 3,638 (970) - - 1,036 3,704 Mortgage 73,900 (5,221) 3 (208) 4,102 72,576 Leasing 14,385 3,725 - (3,630) 1,374 15,854 Consumer Credit cards 86,313 21,238 - (17,503) 2,646 92,694 Home equity lines of credit 83 (90) - (82) 158 69 Personal 94,021 20,232 - (24,712) 2,526 92,067 Auto 157,449 20,765 - (23,011) 6,110 161,313 Other 6,489 362 - (728) 526 6,649 Total Consumer 344,355 62,507 - (66,036) 11,966 352,792 Total - Loans $ 643,605 $ 77,147 $ 3 $ (76,135) $ 21,554 $ 666,174 Allowance for credit losses - unfunded commitments: Commercial $ 5,540 $ 816 $ - $ - $ - $ 6,356 Construction 2,095 373 - - - 2,468 Ending balance - unfunded commitments [1] $ 7,635 $ 1,189 $ - $ - $ - $ 8,824 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the quarter ended September 30, 2024 Popular U.S. Provision for Beginning credit losses - Ending (In thousands) Balance (benefit) Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 7,877 $ (1,126) $ - $ 5 $ 6,756 Commercial real estate non-owner occupied 10,849 53 (54) 62 10,910 Commercial real estate owner occupied 18,815 (4,430) - 19 14,404 Commercial and industrial 15,219 (1,617) (613) 241 13,230 Total Commercial 52,760 (7,120) (667) 327 45,300 Construction 9,251 259 - - 9,510 Mortgage 9,389 (361) - 46 9,074 Consumer Home equity lines of credit 1,643 22 (4) 124 1,785 Personal 13,427 2,799 (4,442) 691 12,475 Other 2 23 (28) 5 2 Total Consumer 15,072 2,844 (4,474) 820 14,262 Total - Loans $ 86,472 $ (4,378) $ (5,141) $ 1,193 $ 78,146 Allowance for credit losses - unfunded commitments: Commercial $ 2,850 $ (1,080) $ - $ - $ 1,770 Construction 8,399 (609) - - 7,790 Ending balance - unfunded commitments [1] $ 11,249 $ (1,689) $ - $ - $ 9,560 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the quarter ended September 30, 2024 Popular Inc. Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 11,180 $ (1,543) $ - $ - $ 5 $ 9,642 Commercial real estate non-owner occupied 64,235 3,397 - (123) 121 67,630 Commercial real estate owner occupied 58,190 (6,848) - (2) 1,575 52,915 Commercial and industrial 126,482 14,980 - (6,803) 1,702 136,361 Total Commercial 260,087 9,986 - (6,928) 3,403 266,548 Construction 12,889 (711) - - 1,036 13,214 Mortgage 83,289 (5,582) 3 (208) 4,148 81,650 Leasing 14,385 3,725 - (3,630) 1,374 15,854 Consumer Credit cards 86,313 21,238 - (17,503) 2,646 92,694 Home equity lines of credit 1,726 (68) - (86) 282 1,854 Personal 107,448 23,031 - (29,154) 3,217 104,542 Auto 157,449 20,765 - (23,011) 6,110 161,313 Other 6,491 385 - (756) 531 6,651 Total Consumer 359,427 65,351 - (70,510) 12,786 367,054 Total - Loans $ 730,077 $ 72,769 $ 3 $ (81,276) $ 22,747 $ 744,320 Allowance for credit losses - unfunded commitments: Commercial $ 8,390 $ (264) $ - $ - $ - $ 8,126 Construction 10,494 (236) - - - 10,258 Ending balance - unfunded commitments [1] $ 18,884 $ (500) $ - $ - $ - $ 18,384 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2024 BPPR Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-off Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 3,614 $ (729) $ - $ - $ 1 $ 2,886 Commercial real estate non-owner occupied 53,754 2,607 - (69) 428 56,720 Commercial real estate owner occupied 40,637 (2,567) - (2,787) 3,228 38,511 Commercial and industrial 107,577 31,413 - (20,931) 5,072 123,131 Total Commercial 205,582 30,724 - (23,787) 8,729 221,248 Construction 5,294 (2,626) - - 1,036 3,704 Mortgage 72,440 (11,959) 26 (999) 13,068 72,576 Leasing 9,708 14,787 - (12,321) 3,680 15,854 Consumer Credit cards 80,487 54,734 - (50,318) 7,791 92,694 Home equity lines of credit 103 35 - (373) 304 69 Personal 101,181 55,987 - (72,354) 7,253 92,067 Auto 157,931 44,386 - (59,787) 18,783 161,313 Other 7,132 672 - (2,072) 917 6,649 Total Consumer 346,834 155,814 - (184,904) 35,048 352,792 Total - Loans $ 639,858 $ 186,740 $ 26 $ (222,011) $ 61,561 $ 666,174 Allowance for credit losses - unfunded commitments: Commercial $ 5,062 $ 1,294 $ - $ - $ - $ 6,356 Construction 1,618 850 - - - 2,468 Ending balance - unfunded commitments [1] $ 6,680 $ 2,144 $ - $ - $ - $ 8,824 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2024 Popular U.S. Provision for Beginning credit losses - Ending (In thousands) Balance (benefit) Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 10,126 $ (2,939) $ (441) $ 10 $ 6,756 Commercial real estate non-owner occupied 11,699 (903) (54) 168 10,910 Commercial real estate owner occupied 16,227 (1,925) - 102 14,404 Commercial and industrial 14,779 219 (2,372) 604 13,230 Total Commercial 52,831 (5,548) (2,867) 884 45,300 Construction 7,392 2,018 - 100 9,510 Mortgage 10,774 (1,788) (18) 106 9,074 Consumer Home equity lines of credit 1,875 (741) (25) 676 1,785 Personal 16,609 8,585 (14,750) 2,031 12,475 Other 2 46 (77) 31 2 Total Consumer 18,486 7,890 (14,852) 2,738 14,262 Total - Loans $ 89,483 $ 2,572 $ (17,737) $ 3,828 $ 78,146 Allowance for credit losses - unfunded commitments: Commercial $ 1,851 $ (81) $ - $ - $ 1,770 Construction 8,446 (656) - - 7,790 Consumer 29 (29) - - - Ending balance - unfunded commitments [1] $ 10,326 $ (766) $ - $ - $ 9,560 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2024 Popular Inc. Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 13,740 $ (3,668) $ - $ (441) $ 11 $ 9,642 Commercial real estate non-owner occupied 65,453 1,704 - (123) 596 67,630 Commercial real estate owner occupied 56,864 (4,492) - (2,787) 3,330 52,915 Commercial and industrial 122,356 31,632 - (23,303) 5,676 136,361 Total Commercial 258,413 25,176 - (26,654) 9,613 266,548 Construction 12,686 (608) - - 1,136 13,214 Mortgage 83,214 (13,747) 26 (1,017) 13,174 81,650 Leasing 9,708 14,787 - (12,321) 3,680 15,854 Consumer Credit cards 80,487 54,734 - (50,318) 7,791 92,694 Home equity lines of credit 1,978 (706) - (398) 980 1,854 Personal 117,790 64,572 - (87,104) 9,284 104,542 Auto 157,931 44,386 - (59,787) 18,783 161,313 Other 7,134 718 - (2,149) 948 6,651 Total Consumer 365,320 163,704 - (199,756) 37,786 367,054 Total - Loans $ 729,341 $ 189,312 $ 26 $ (239,748) $ 65,389 $ 744,320 Allowance for credit losses - unfunded commitments: Commercial $ 6,913 $ 1,213 $ - $ - $ - $ 8,126 Construction 10,064 194 - - - 10,258 Consumer 29 (29) - - - - Ending balance - unfunded commitments [1] $ 17,006 $ 1,378 $ - $ - $ - $ 18,384 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the quarter ended September 30, 2023 BPPR Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 4,787 $ (1,306) $ - $ - $ - $ 3,481 Commercial real estate non-owner occupied 53,366 (326) - (27) 195 53,208 Commercial real estate owner occupied 41,901 (242) - (446) 280 41,493 Commercial and industrial 81,637 (4,605) - (2,311) 12,858 87,579 Total Commercial 181,691 (6,479) - (2,784) 13,333 185,761 Construction 9,554 (1,486) - (2,611) - 5,457 Mortgage 82,899 (6,808) 9 (62) 3,862 79,900 Leasing 13,927 (2,287) - (2,292) 850 10,198 Consumer Credit cards 71,408 9,773 - (10,865) 2,234 72,550 Home equity lines of credit 96 (39) - (43) 73 87 Personal 96,046 28,964 - (19,260) 1,957 107,707 Auto 134,247 30,880 - (14,553) 4,862 155,436 Other 6,240 1,499 - (494) 193 7,438 Total Consumer 308,037 71,077 - (45,215) 9,319 343,218 Total - Loans $ 596,108 $ 54,017 $ 9 $ (52,964) $ 27,364 $ 624,534 Allowance for credit losses - unfunded commitments: Commercial $ 5,288 $ (400) $ - $ - $ - $ 4,888 Construction 3,110 (1,768) - - - 1,342 Ending balance - unfunded commitments [1] $ 8,398 $ (2,168) $ - $ - $ - $ 6,230 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the quarter ended September 30, 2023 Popular U.S. Provision for Beginning credit losses Ending (In thousands) Balance (benefit) Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 21,392 $ (9,651) $ - $ 1 $ 11,742 Commercial real estate non-owner occupied 18,350 (4,475) - 66 13,941 Commercial real estate owner occupied 9,506 (1,688) (1,218) 16 6,616 Commercial and industrial 18,014 (1,109) (1,228) 329 16,006 Total Commercial 67,262 (16,923) (2,446) 412 48,305 Construction 1,778 3,736 - - 5,514 Mortgage 13,194 (1,252) - 62 12,004 Consumer Home equity lines of credit 2,074 238 (224) 212 2,300 Personal 19,782 3,659 (5,636) 604 18,409 Other 2 39 (43) 4 2 Total Consumer 21,858 3,936 (5,903) 820 20,711 Total - Loans $ 104,092 $ (10,503) $ (8,349) $ 1,294 $ 86,534 Allowance for credit losses - unfunded commitments: Commercial $ 1,348 $ 197 $ - $ - $ 1,545 Construction 1,797 3,658 - - 5,455 Consumer 50 4 - - 54 Ending balance - unfunded commitments [1] $ 3,195 $ 3,859 $ - $ - $ 7,054 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the quarter ended September 30, 2023 Popular Inc. Provision for Allowance for Beginning credit losses credit losses - Ending (In thousands) Balance (benefit) PCD Loans Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 26,179 $ (10,957) $ - $ - $ 1 $ 15,223 Commercial real estate non-owner occupied 71,716 (4,801) - (27) 261 67,149 Commercial real estate owner occupied 51,407 (1,930) - (1,664) 296 48,109 Commercial and industrial 99,651 (5,714) - (3,539) 13,187 103,585 Total Commercial 248,953 (23,402) - (5,230) 13,745 234,066 Construction 11,332 2,250 - (2,611) - 10,971 Mortgage 96,093 (8,060) 9 (62) 3,924 91,904 Leasing 13,927 (2,287) - (2,292) 850 10,198 Consumer Credit cards 71,408 9,773 - (10,865) 2,234 72,550 Home equity lines of credit 2,170 199 - (267) 285 2,387 Personal 115,828 32,623 - (24,896) 2,561 126,116 Auto 134,247 30,880 - (14,553) 4,862 155,436 Other 6,242 1,538 - (537) 197 7,440 Total Consumer 329,895 75,013 - (51,118) 10,139 363,929 Total - Loans $ 700,200 $ 43,514 $ 9 $ (61,313) $ 28,658 $ 711,068 Allowance for credit losses - unfunded commitments: Commercial $ 6,636 $ (203) $ - $ - $ - $ 6,433 Construction 4,907 1,890 - - - 6,797 Consumer 50 4 - - - 54 Ending balance - unfunded commitments [1] $ 11,593 $ 1,691 $ - $ - $ - $ 13,284 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2023 BPPR Impact of Provision for Allowance for Beginning Adopting credit losses credit losses - Net write Ending (In thousands) Balance ASU 2022-02 (benefit) PCD Loans Charge-offs Recoveries down Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 5,210 $ - $ (1,730) $ - $ - $ 1 $ - $ 3,481 Commercial real estate non-owner occupied 52,475 - 860 - (636) 509 - 53,208 Commercial real estate owner occupied 48,393 (1,161) (7,409) - (525) 2,195 - 41,493 Commercial and industrial 68,217 (552) 8,378 - (4,979) 16,515 - 87,579 Total Commercial 174,295 (1,713) 99 - (6,140) 19,220 - 185,761 Construction 2,978 - 5,090 - (2,611) - - 5,457 Mortgage 117,344 (33,556) (15,113) 87 (1,205) 12,343 - 79,900 Leasing 20,618 (35) (7,023) - (6,249) 2,887 - 10,198 Consumer Credit cards 58,670 - 35,901 - (27,998) 6,578 (601) 72,550 Home equity lines of credit 103 - (107) - (111) 202 - 87 Personal 96,369 (7,020) 60,347 - (49,441) 7,452 - 107,707 Auto 129,735 (21) 45,108 - (34,770) 15,384 - 155,436 Other 15,433 - 3,297 - (11,855) 563 - 7,438 Total Consumer 300,310 (7,041) 144,546 - (124,175) 30,179 (601) 343,218 Total - Loans $ 615,545 $ (42,345) $ 127,599 $ 87 $ (140,380) $ 64,629 $ (601) $ 624,534 Allowance for credit losses - unfunded commitments: Commercial $ 4,336 $ - $ 552 $ - $ - $ - $ - $ 4,888 Construction 2,022 - (680) - - - - 1,342 Ending balance - unfunded commitments [1] $ 6,358 $ - $ (128) $ - $ - $ - $ - $ 6,230 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2023 Popular U.S. Impact of Provision for Beginning Adopting credit losses Ending (In thousands) Balance ASU 2022-02 (benefit) Charge-offs Recoveries Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 21,101 $ - $ (9,363) $ - $ 4 $ 11,742 Commercial real estate non-owner occupied 19,065 - (7,108) - 1,984 13,941 Commercial real estate owner occupied 8,688 - (738) (1,395) 61 6,616 Commercial and industrial 12,227 - 5,943 (3,808) 1,644 16,006 Total Commercial 61,081 - (11,266) (5,203) 3,693 48,305 Construction 1,268 - 4,246 - - 5,514 Mortgage 17,910 (2,098) (3,993) - 185 12,004 Consumer Credit cards - - 1 (1) - - Home equity lines of credit 2,439 - (419) (419) 699 2,300 Personal 22,057 (1,140) 10,019 (14,093) 1,566 18,409 Other 2 - 134 (143) 9 2 Total Consumer 24,498 (1,140) 9,735 (14,656) 2,274 20,711 Total - Loans $ 104,757 $ (3,238) $ (1,278) $ (19,859) $ 6,152 $ 86,534 Allowance for credit losses - unfunded commitments: Commercial $ 1,175 $ - $ 370 $ - $ - $ 1,545 Construction 1,184 - 4,271 - - 5,455 Consumer 88 - (34) - - 54 Ending balance - unfunded commitments [1] $ 2,447 $ - $ 4,607 $ - $ - $ 7,054 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the nine months ended September 30, 2023 Popular Inc. Impact Provision for Allowance for Beginning of adopting credit losses credit losses - Net write Ending (In thousands) Balance ASU 2022-02 (benefit) PCD Loans Charge-offs Recoveries down Balance Allowance for credit losses - loans: Commercial Commercial multi-family $ 26,311 $ - $ (11,093) $ - $ - $ 5 $ - $ 15,223 Commercial real estate non-owner occupied 71,540 - (6,248) - (636) 2,493 - 67,149 Commercial real estate owner occupied 57,081 (1,161) (8,147) - (1,920) 2,256 - 48,109 Commercial and industrial 80,444 (552) 14,321 - (8,787) 18,159 - 103,585 Total Commercial 235,376 (1,713) (11,167) - (11,343) 22,913 - 234,066 Construction 4,246 - 9,336 - (2,611) - - 10,971 Mortgage 135,254 (35,654) (19,106) 87 (1,205) 12,528 - 91,904 Leasing 20,618 (35) (7,023) - (6,249) 2,887 - 10,198 Consumer Credit cards 58,670 - 35,902 - (27,999) 6,578 (601) 72,550 Home equity lines of credit 2,542 - (526) - (530) 901 - 2,387 Personal 118,426 (8,160) 70,366 - (63,534) 9,018 - 126,116 Auto 129,735 (21) 45,108 - (34,770) 15,384 - 155,436 Other 15,435 - 3,431 - (11,998) 572 - 7,440 Total Consumer 324,808 (8,181) 154,281 - (138,831) 32,453 (601) 363,929 Total - Loans $ 720,302 $ (45,583) $ 126,321 $ 87 $ (160,239) $ 70,781 $ (601) $ 711,068 Allowance for credit losses - unfunded commitments: Commercial $ 5,511 $ - $ 922 $ - $ - $ - $ - $ 6,433 Construction 3,206 - 3,591 - - - - 6,797 Consumer 88 - (34) - - - - 54 Ending balance - unfunded commitments [1] $ 8,805 $ - $ 4,479 $ - $ - $ - $ - $ 13,284 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. Modifications A modification constitutes a change in loan terms in the form of principal forgiveness, an interest rate reduction, other than- insignificant payment delay, term extension or combination of the above made to a borrower experiencing financial difficulty. The amount of outstanding commitments to lend additional funds to debtors with financial difficulties owing receivables whose terms have been modified during the nine months ended September 30, 2024 and September 30, 2023 amounted to $ 65.0 million and $ 17.0 million, respectively, related to the commercial loan portfolios. The following tables show the amortized cost basis of the loans modified to borrowers experiencing financial difficulties at the end of the reporting period disaggregated by class of financing receivable and type of concession granted for the quarters and nine months ended September 30, 2024 and September 30, 2023. Loans modified to borrowers under financial difficulties that were fully paid down, charged-off or foreclosed upon by period end are not reported. Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the quarter ended September 30, 2024 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE owner occupied $ 147 0.01 % $ - - % $ 147 - % Commercial and industrial 693 0.01 % - - % 693 0.01 % Consumer: Credit cards 213 0.02 % - - % 213 0.02 % Personal 830 0.05 % - - % 830 0.04 % Total $ 1,883 0.01 % $ - - % $ 1,883 0.01 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Commercial multi-family $ - - % $ 10,570 0.50 % $ 10,570 0.44 % CRE non-owner occupied 13,108 0.42 % - - % 13,108 0.25 % CRE owner occupied 764 0.05 % - - % 764 0.02 % Commercial and industrial 20,966 0.41 % - - % 20,966 0.28 % Construction 768 0.40 % - - % 768 0.07 % Mortgage 11,850 0.18 % 429 0.03 % 12,279 0.15 % Consumer: Personal 148 0.01 % - - % 148 0.01 % Total $ 47,604 0.19 % $ 10,999 0.11 % $ 58,603 0.16 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 139 - % $ - - % $ 139 - % CRE owner occupied 4,993 0.36 % - - % 4,993 0.16 % Commercial and industrial 71,867 1.39 % - - % 71,867 0.97 % Consumer: Credit cards 5 - % - - % 5 - % Total $ 77,004 0.30 % $ - - % $ 77,004 0.21 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE owner occupied $ 202 0.01 % $ - - % $ 202 0.01 % Commercial and industrial 44 - % - - % 44 - % Mortgage 4,728 0.07 % - - % 4,728 0.06 % Consumer: Personal 2,569 0.15 % 65 0.05 % 2,634 0.14 % Total $ 7,543 0.03 % $ 65 - % $ 7,608 0.02 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Commercial and industrial $ 23 - % $ - - % $ 23 - % Consumer: Credit cards 862 0.07 % - - % 862 0.07 % Total $ 885 - % $ - - % $ 885 - % Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the nine months ended September 30, 2024 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE owner occupied $ 175 0.01 % $ - - % $ 175 0.01 % Commercial and industrial 2,756 0.05 % - - % 2,756 0.04 % Mortgage 42 - % - - % 42 - % Consumer: Credit cards 721 0.06 % - - % 721 0.06 % Personal 1,873 0.11 % - - % 1,873 0.10 % Other 24 0.02 % - - % 24 0.01 % Total $ 5,591 0.02 % $ - - % $ 5,591 0.02 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Commercial multi-family $ - - % $ 10,570 0.50 % $ 10,570 0.44 % CRE non-owner occupied 55,655 1.77 % - - % 55,655 1.07 % CRE owner occupied 11,482 0.82 % 6,033 0.36 % 17,515 0.57 % Commercial and industrial 23,837 0.46 % - - % 23,837 0.32 % Construction 768 0.40 % - - % 768 0.07 % Mortgage 41,649 0.62 % 1,075 0.08 % 42,724 0.53 % Consumer: Personal 537 0.03 % - - % 537 0.03 % Auto 53 - % - - % 53 - % Total $ 133,981 0.52 % $ 17,678 0.17 % $ 151,659 0.42 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 139 - % $ - - % $ 139 - % CRE owner occupied 20,591 1.47 % - - % 20,591 0.67 % Commercial and industrial 75,231 1.45 % - - % 75,231 1.02 % Mortgage 127 - % - - % 127 - % Consumer: Credit cards 5 - % - - % 5 - % Total $ 96,093 0.37 % $ - - % $ 96,093 0.27 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 889 0.03 % $ - - % $ 889 0.02 % CRE owner occupied 202 0.01 % - - % 202 0.01 % Commercial and industrial 615 0.01 % - - % 615 0.01 % Mortgage 13,404 0.20 % 67 0.01 % 13,471 0.17 % Consumer: Personal 5,755 0.33 % 312 0.26 % 6,067 0.32 % Total $ 20,865 0.08 % $ 379 - % $ 21,244 0.06 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2024 % of total class of Financing Receivable Commercial and industrial $ 110 - % $ - - % $ 110 - % Consumer: Credit cards 1,335 0.11 % - - % 1,335 0.11 % Total $ 1,445 0.01 % $ - - % $ 1,445 - % Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the quarter ended September 30, 2023 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE owner occupied $ 141,807 10.07 % $ - - % $ 141,807 4.66 % Commercial and industrial 43 - % - - % 43 - % Mortgage 76 - % - - % 76 - % Consumer: Credit cards 154 0.01 % - - % 154 0.01 % Personal 247 0.01 % - - % 247 0.01 % Total $ 142,327 0.60 % $ - - % $ 142,327 0.42 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 8,760 0.30 % $ - - % $ 8,760 0.17 % CRE owner occupied 2,667 0.19 % 10,847 0.66 % 13,514 0.44 % Commercial and industrial 16,535 0.38 % - - % 16,535 0.25 % Mortgage 17,057 0.27 % 933 0.07 % 17,990 0.24 % Consumer: Personal 122 0.01 % - - % 122 0.01 % Total $ 45,141 0.19 % $ 11,780 0.11 % $ 56,921 0.17 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE owner occupied $ 8,980 0.64 % $ - - % $ 8,980 0.29 % Commercial and industrial 3,287 0.08 % - - % 3,287 0.05 % Total $ 12,267 0.05 % $ - - % $ 12,267 0.04 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 18,705 0.63 % $ - - % $ 18,705 0.37 % CRE owner occupied 14,683 1.04 % - - % 14,683 0.48 % Commercial and industrial 558 0.01 % - - % 558 0.01 % Mortgage 7,691 0.12 % - - % 7,691 0.10 % Consumer: Personal 815 0.05 % 11 0.01 % 826 0.04 % Total $ 42,452 0.18 % $ 11 - % $ 42,463 0.12 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 182 0.01 % $ - - % $ 182 - % Commercial and industrial 78 - % - - % 78 - % Consumer: Credit cards 195 - % - - % 195 0.02 % Total $ 455 - % $ - - % $ 455 - % Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the nine months ended September 30, 2023 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE owner occupied $ 141,807 10.07 % $ - - % $ 141,807 4.66 % Commercial and industrial 43 - % - - % 43 - % Mortgage 302 - % - - % 302 - % Consumer: Credit cards 565 0.05 % - - % 565 0.05 % Personal 540 0.03 % 3 - % 543 0.03 % Other 3 - % - - % 3 - % Total $ 143,260 0.60 % $ 3 - % $ 143,263 0.42 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 33,059 1.12 % $ - - % $ 33,059 0.66 % CRE owner occupied 4,293 0.30 % 26,509 1.62 % 30,802 1.01 % Commercial and industrial 38,713 0.89 % - - % 38,713 0.59 % Construction 2,169 1.27 % 5,309 0.71 % 7,478 0.81 % Mortgage 41,916 0.67 % 5,423 0.42 % 47,339 0.62 % Consumer: Personal 196 0.01 % 129 0.07 % 325 0.02 % Auto 36 - % - - % 36 - % Total $ 120,382 0.51 % $ 37,370 0.36 % $ 157,752 0.46 % Principal Forgiveness BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE owner occupied $ 18 - % $ - - % $ 18 - % Total $ 18 - % $ - - % $ 18 - % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 1,736 0.06 % $ - - % $ 1,736 0.03 % CRE owner occupied 12,833 0.91 % 13,556 0.83 % 26,389 0.87 % Commercial and industrial 4,653 0.11 % 828 0.04 % 5,481 0.08 % Mortgage 137 - % - - % 137 - % Consumer: Other 31 0.02 % - - % 31 0.02 % Total $ 19,390 0.08 % $ 14,384 0.14 % $ 33,774 0.10 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 18,705 0.63 % $ - - % $ 18,705 0.37 % CRE owner occupied 14,784 1.05 % - - % 14,784 0.49 % Commercial and industrial 614 0.01 % - - % 614 0.01 % Mortgage 29,044 0.46 % 407 0.03 % 29,451 0.39 % Consumer: Personal 1,711 0.10 % 43 0.02 % 1,754 0.09 % Auto 27 - % - - % 27 - % Total $ 64,885 0.27 % $ 450 - % $ 65,335 0.19 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 182 0.01 % $ - - $ 182 - % Commercial and industrial 153 - % - - 153 - % Consumer: Credit cards 587 0.05 % - - 587 0.05 % Total $ 922 - % $ - - $ 922 - % Combination - Other-Than-Insignificant Payment Delays and Principal Forgiveness Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable Amortized Cost Basis at September 30, 2023 % of total class of Financing Receivable CRE owner occupied $ 195 0.01 % $ - - $ 195 0.01 % Total $ 195 - % $ - - $ 195 - % The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulties: For the quarter ended September 30, 2024 Interest rate reduction Loan Type Financial Effect CRE Owner occupied Reduced weighted-average contractual interest rate from 10.45 % to 6.62 % Commercial and industrial Reduced weighted-average contractual interest rate from 25.76 % to 10.21 %. Mortgage Reduced weighted-average contractual interest rate from 5.87 % to 4.32 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 21.46 % to 8.02 %. Personal Reduced weighted-average contractual interest rate from 19.47 % to 10.35 %. Term extension Loan Type Financial Effect Commercial multi-family Added a weighted-average of 4 months to the life of loans. CRE Non-owner occupied Added a weighted-average of 7 months to the life of loans. CRE Owner occupied Added a weighted-average of 5 years to the life of loans. Commercial and industrial Added a weighted-average of 1 year to the life of loans. Construction Added a weighted-average of 2 months to the life of loans. Mortgage Added a weighted-average of 12 years to the life of loans. Consumer: Personal Added a weighted-average of 5 years to the life of loans. Other than insignificant payment delays Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 14 months to the life of loans. CRE Owner occupied Added a weighted-average of 7 months to the life of loans. Commercial and industrial Added a weighted-average of 7 months to the life of loans. Consumer: Credit cards Added a weighted-average of 16 months to the life of loans. For the nine months ended September 30, 2024 Interest rate reduction Loan Type Financial Effect CRE Non-owner occupied Reduced weighted-average contractual interest rate from 10.1 % to 8.3 %. CRE Owner occupied Reduced weighted-average contractual interest rate from 10.6 % to 6.5 %. Commercial and industrial Reduced weighted-average contractual interest rate from 20.6 % to 9.6 %. Mortgage Reduced weighted-average contractual interest rate from 6.1 % to 4.4 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 20.9 % to 6.5 %. Personal Reduced weighted-average contractual interest rate from 19.1 % to 10 .0%. Other Reduced weighted-average contractual interest rate from 18 .0% to 0 %. Term extension Loan Type Financial Effect Commercial multi-family Added a weighted-average of 4 months to the life of loans. CRE Non-owner occupied Added a weighted-average of 9 months to the life of loans. CRE Owner occupied Added a weighted-average of 11 months to the life of loans. Commercial and industrial Added a weighted-average of 2 years to the life of loans. Construction Added a weighted-average of 2 months to the life of loans. Mortgage Added a weighted-average of 12 years to the life of loans. Consumer: Personal Added a weighted-average of 8 years to the life of loans. Auto Added a weighted-average of 4 years to the life of loans. Other than insignificant payment delay Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 14 months to the life of loans. CRE Owner occupied Added a weighted-average of 10 months to the life of loans. Commercial and industrial Added a weighted-average of 7 months to the life of loans. Mortgage Added a weighted-average of 30 months to the life of loans. Consumer: Credit cards Added a weighted-average of 18 months to the life of loans. For the quarter ended September 30, 2023 Interest rate reduction Loan Type Financial Effect CRE Non-owner occupied Reduced weighted-average contractual interest rate from 9 .0% to 7.2 %. CRE Owner occupied Reduced weighted-average contractual interest rate from 8.4 % to 6.6 %. Commercial and industrial Reduced weighted-average contractual interest rate from 12.5 % to 7.6 %. Mortgage Reduced weighted-average contractual interest rate from 5.7 % to 4.2 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 19.6 % to 3.6 %. Personal Reduced weighted-average contractual interest rate from 17 .0% to 9.1 %. Term extension Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 28 months to the life of loans. CRE Owner occupied Added a weighted-average of 1 year to the life of loans. Commercial and industrial Added a weighted-average of 3 years to the life of loans. Mortgage Added a weighted-average of 11 years to the life of loans. Consumer: Personal Added a weighted-average of 7 years to the life of loans. Other than insignificant payment delay Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 7 months to the life of loans. CRE Owner occupied Added a weighted-average of 10 months to the life of loans. Commercial and industrial Added a weighted-average of 7 months to the life of loans. Consumer: Credit cards Added a weighted-average of 29 months to the life of loans. For the nine months ended September 30, 2023 Interest rate reduction Loan Type Financial Effect CRE Non-owner occupied Reduced weighted-average contractual interest rate from 9 .0% to 7.2 %. CRE Owner occupied Reduced weighted-average contractual interest rate from 8.4 % to 6.6 %. Commercial and industrial Reduced weighted-average contractual interest rate from 14 .0% to 7.7 %. Mortgage Reduced weighted-average contractual interest rate from 5.7 % to 4.2 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 18 .0% to 4.3 %. Personal Reduced weighted-average contractual interest rate from 18 .0% to 9.7 %. Auto Reduced weighted-average contractual interest rate from 12.64 % to 12.62 %. Other Reduced weighted-average contractual interest rate from 18 .0% to 0 .0%. Term extension Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 19 months to the life of loans. CRE Owner occupied Added a weighted-average of 1 year to the life of loans. Commercial and industrial Added a weighted-average of 2 years to the life of loans. Construction Added a weighted-average of 6 months to the life of loans. Mortgage Added a weighted-average of 11 years to the life of loans. Consumer: Personal Added a weighted-average of 7 years to the life of loans. Auto Added a weighted-average of 3 years to the life of loans. Principal forgiveness Loan Type Financial Effect CRE Owner occupied Reduced the amortized cost basis of the loans by $ 0.1 million. Other than insignificant payment delay Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 12 months to the life of loans. CRE Owner occupied Added a weighted-average of 8 months to the life of loans. Commercial and industrial Added a weighted-average of 8 months to the life of loans. Mortgage Added a weighted-average of 40 months to the life of loans. Consumer: Credit cards Added a weighted-average of 26 months to the life of loans. Other Added a weighted-average of 11 months to the life of loans. The following tables present, by class, the performance of loans that have been modified during the twelve months preceding September 30, 2024. The past due 90 days or more categories includes all loans modified classified as non-accruing at the time of the modification. These loans will continue in non-accrual status, and presented as past due 90 days or more, until the borrower has demonstrated a willingness and ability to make the restructured loan payments (at least nine months of sustained performance after the modification or one year for loans providing for quarterly or semi-annual payments) and management has concluded that it is probable that the borrower would not be in payment default in the foreseeable future. BPPR September 30, 2024 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default Commercial multi-family $ - $ - $ 63 $ 63 $ - $ 63 $ - $ 63 CRE non-owner occupied - - 2,798 2,798 55,766 58,564 - 2,798 CRE owner occupied 92 - 2,232 2,324 36,355 38,679 89 2,143 Commercial and industrial 12,359 26 4,817 17,202 86,203 103,405 96 4,721 Construction - - - - 768 768 - - Mortgage 5,649 4,359 24,206 34,214 40,358 74,572 6,609 17,597 Consumer: Credit cards 205 81 283 569 1,715 2,284 197 86 Personal 286 51 1,914 2,251 6,854 9,105 210 1,704 Auto - - 34 34 69 103 - 34 Other 24 - - 24 4 28 - - Total $ 18,615 $ 4,517 $ 36,347 $ 59,479 $ 228,092 $ 287,571 $ 7,201 $ 29,146 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. Popular U.S. September 30, 2024 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default Commercial multi-family $ - $ - $ - $ - $ 10,570 10,570 $ - $ - CRE owner occupied - - - - 39,855 39,855 - - Mortgage - - 795 795 407 1,202 - 795 Consumer: Personal 29 - 85 114 216 330 - 85 Total $ 29 $ - $ 880 $ 909 $ 51,048 $ 51,957 $ - $ 880 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. Popular Inc. September 30, 2024 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default Commercial multi-family $ - $ - $ 63 $ 63 $ 10,570 $ 10,633 $ - $ 63 CRE non-owner occupied - - 2,798 2,798 55,766 58,564 - 2,798 CRE owner occupied 92 - 2,232 2,324 76,210 78,534 89 2,143 Commercial and industrial 12,359 26 4,817 17,202 86,203 103,405 96 4,721 Construction - - - - 768 768 - - Mortgage 5,649 4,359 25,001 35,009 40,765 75,774 6,609 18,392 Consumer: Credit cards 205 81 283 569 1,715 2,284 197 86 Personal 315 51 1,999 2,365 7,070 9,435 210 1,789 Auto - - 34 34 69 103 - 34 Other 24 - - 24 4 28 - - Total $ 18,644 $ 4,517 $ 37,227 $ 60,388 $ 279,140 $ 339,528 $ 7,201 $ 30,026 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. The following tables present, by class, the performance of loans that have been modified during the nine months ended September 30, 2023. BPPR September 30, 2023 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default CRE non-owner occupied $ - $ - $ 122 $ 122 $ 53,560 $ 53,682 $ - $ 122 CRE owner occupied - - 2,488 2,488 171,442 173,930 - 2,488 Commercial and industrial - - 1,735 1,735 42,441 44,176 729 1,006 Construction - - - - 2,169 2,169 - - Mortgage 4,913 2,572 22,291 29,776 41,623 71,399 4,196 18,095 Consumer: Credit cards 117 87 130 334 818 1,152 93 37 Personal 48 19 550 617 1,830 2,447 - 550 Auto - - 11 11 52 63 - 11 Other - - 31 31 3 34 31 - Total $ 5,078 $ 2,678 $ 27,358 $ 35,114 $ 313,938 $ 349,052 $ 5,049 $ 22,309 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. Popular U.S. September 30, 2023 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default CRE owner occupied $ - $ - $ - $ - $ 40,065 $ 40,065 $ - $ - Commercial and industrial - - - - 828 828 - - Construction - - - - 5,309 5,309 - - Mortgage - - 334 334 5,496 5,830 103 231 Consumer: Personal - - 129 129 46 175 - 129 Total $ - $ - $ 463 $ 463 $ 51,744 $ 52,207 $ 103 $ 360 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. Popular Inc. September 30, 2023 Past Due 90 days or more [1] (In thousands) 30-59 days 60-89 days Past due 90 days or more Total past due Current Total With Payment Default Without Payment Default CRE non-owner occupied $ - $ - $ 122 $ 122 $ 53,560 $ 53,682 $ - $ 122 CRE owner occupied - - 2,488 2,488 211,507 213,995 - 2,488 Commercial and industrial - - 1,735 1,735 43,269 45,004 729 1,006 Construction - - - - 7,478 7,478 - - Mortgage 4,913 2,572 22,625 30,110 47,119 77,229 4,299 18,326 Consumer: Credit cards 117 87 130 334 818 1,152 93 37 Personal 48 19 679 746 1,876 2,622 - 679 Auto - - 11 11 52 63 - 11 Other - - 31 31 3 34 31 - Total $ 5,078 $ 2,678 $ 27,821 $ 35,577 $ 365,682 $ 401,259 $ 5,152 $ 22,669 [1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date. Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or charged-off, whichever occurs first. During the quarter and nine months ended September 30, 2024, the outstanding balance of loans modified for borrowers under financial difficulties that were subject to payment default and that had been modified during the twelve months preceding the default date was $ 7 million and $ 25 million, respectively. The amount was not considered material for the quarter and nine months ended September 30, 2023. For the quarter ended September 30, 2024, extension of maturity and the combination of interest rate reduction and extension of maturity amounted to $ 6 million and $ 1 million, respectively, of the outstanding balance of loans modified for borrowers under financial difficulties that were subject to payment default during the year preceding the default date. For the nine months ended September 30, 2024, interest rate reduction, extension of maturity and the combination of interest rate reduction and extension of maturity amounted to $ 1 million, $ 22 million and $ 2 million, respectively of the outstanding balance of loans modified for borrowers under financial difficulties that were subject to payment default during the year preceding the default date. Credit Quality The risk rating system provides for the assignment of ratings at the obligor level based on the financial condition of the borrower. The risk rating analysis process is performed at least once a year or more frequently if events or conditions change which may deteriorate the credit quality. In the case of consumer and mortgage loans, these loans are classified considering their delinquency status at the end of the reporting period. The following tables present the amortized cost basis, net of unearned income, of loans held-in-portfolio based on the Corporation’s assignment of obligor risk ratings as defined at September 30, 2024 and December 31, 2023 and the gross write-offs recorded by vintage year. For the definitions of the obligor risk ratings, refer to the Credit Quality section of Note 9 to the Consolidated Financial Statements included in the 2023 Form 10-K: September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total BPPR Commercial: Commercial multi-family Pass $ 45,745 $ 37,386 $ 136,798 $ 21,021 $ 20,224 $ 28,713 $ - $ - $ 289,887 Watch - - - - - 5,796 - - 5,796 Special Mention - - 546 - - 4,665 - - 5,211 Substandard - - - - - 4,640 - - 4,640 Total commercial multi-family $ 45,745 $ 37,386 $ 137,344 $ 21,021 $ 20,224 $ 43,814 $ - $ - $ 305,534 Commercial real estate non-owner occupied Pass $ 319,714 $ 315,434 $ 821,480 $ 551,468 $ 340,485 $ 542,362 $ 6,213 $ - $ 2,897,156 Watch - 2,118 1,061 5,015 29,165 56,824 - - 94,183 Special Mention - 41,558 7,153 24,424 - 65,985 - - 139,120 Substandard - 1,006 111 174 2,028 14,477 - - 17,796 Total commercial real estate non- owner occupied $ 319,714 $ 360,116 $ 829,805 $ 581,081 $ 371,678 $ 679,648 $ 6,213 $ - $ 3,148,255 Year-to-Date gross write-offs $ - $ - $ 69 $ - $ - $ - $ - $ - $ 69 Commercial real estate owner occupied Pass $ 89,427 $ 95,335 $ 149,373 $ 217,165 $ 47,671 $ 334,396 $ 5,904 $ - $ 939,271 Watch 845 2,032 41,922 9,003 4,559 83,693 3 - 142,057 Special Mention - 1,232 19,778 20,381 887 20,676 1,350 - 64,304 Substandard 467 1,149 20,644 4,714 141,549 76,725 12,932 - 258,180 Doubtful - - - - - 38 - - 38 Total commercial real estate owner occupied $ 90,739 $ 99,748 $ 231,717 $ 251,263 $ 194,666 $ 515,528 $ 20,189 $ - $ 1,403,850 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 2,787 $ - $ - $ 2,787 Commercial and industrial Pass $ 628,977 $ 923,130 $ 609,454 $ 322,189 $ 216,674 $ 324,173 $ 1,239,993 $ - $ 4,264,590 Watch 42,726 54,796 48,349 4,210 3,445 71,412 233,386 - 458,324 Special Mention 4,836 13,934 3,931 158,133 2,723 44,297 36,007 - 263,861 Substandard 4,716 1,136 34,868 6,335 12,056 22,380 107,781 - 189,272 Doubtful - - - - 14 17 - - 31 Loss - - - - - - 47 - 47 Total commercial and industrial $ 681,255 $ 992,996 $ 696,602 $ 490,867 $ 234,912 $ 462,279 $ 1,617,214 $ - $ 5,176,125 Year-to-Date gross write-offs $ 420 $ 318 $ 331 $ 122 $ 2,838 $ 11,685 $ 5,217 $ - $ 20,931 Construction Pass $ 46,479 $ 53,586 $ 41,492 $ 10,539 $ 10,572 $ 1,011 $ 19,731 $ - $ 183,410 Special Mention - - - 6,165 - - - - 6,165 Substandard - - - 768 - - - - 768 Total construction $ 46,479 $ 53,586 $ 41,492 $ 17,472 $ 10,572 $ 1,011 $ 19,731 $ - $ 190,343 Mortgage Pass $ 636,253 $ 734,172 $ 419,816 $ 413,048 $ 242,256 $ 4,173,843 $ - $ - $ 6,619,388 Substandard - 1,863 1,051 775 348 71,992 - - 76,029 Total mortgage $ 636,253 $ 736,035 $ 420,867 $ 413,823 $ 242,604 $ 4,245,835 $ - $ - $ 6,695,417 Year-to-Date gross write-offs $ - $ - $ - $ 8 $ - $ 991 $ - $ - $ 999 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total BPPR Leasing Pass $ 577,747 $ 508,333 $ 394,476 $ 240,244 $ 118,620 $ 40,264 $ - $ - $ 1,879,684 Substandard 315 1,772 2,219 1,744 564 664 - - 7,278 Loss - 29 30 - - 31 - - 90 Total leasing $ 578,062 $ 510,134 $ 396,725 $ 241,988 $ 119,184 $ 40,959 $ - $ - $ 1,887,052 Year-to-Date gross write-offs $ 639 $ 3,534 $ 4,220 $ 2,477 $ 453 $ 998 $ - $ - $ 12,321 Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,159,675 $ - $ 1,159,675 Substandard - - - - - - 27,121 - 27,121 Loss - - - - - - 93 - 93 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,186,889 $ - $ 1,186,889 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 50,318 $ - $ 50,318 HELOCs Pass $ - $ - $ - $ - $ - $ - $ 2,131 $ - $ 2,131 Total HELOCs $ - $ - $ - $ - $ - $ - $ 2,131 $ - $ 2,131 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 373 $ - $ 373 Personal Pass $ 560,994 $ 584,410 $ 308,630 $ 118,359 $ 34,512 $ 103,723 $ - $ 21,944 $ 1,732,572 Substandard 347 5,248 3,938 1,556 265 8,660 - 1,293 21,307 Loss 3 85 100 6 6 2 - - 202 Total Personal $ 561,344 $ 589,743 $ 312,668 $ 119,921 $ 34,783 $ 112,385 $ - $ 23,237 $ 1,754,081 Year-to-Date gross write-offs $ 882 $ 26,352 $ 30,020 $ 8,457 $ 2,294 $ 2,934 $ - $ 1,415 $ 72,354 Auto Pass $ 1,013,543 $ 1,007,006 $ 721,883 $ 547,046 $ 290,297 $ 183,490 $ - $ - $ 3,763,265 Substandard 3,665 14,590 13,569 10,585 6,934 5,820 - - 55,163 Loss - 60 58 5 15 41 - - 179 Total Auto $ 1,017,208 $ 1,021,656 $ 735,510 $ 557,636 $ 297,246 $ 189,351 $ - $ - $ 3,818,607 Year-to-Date gross write-offs $ 3,815 $ 28,070 $ 15,143 $ 7,377 $ 3,930 $ 1,452 $ - $ - $ 59,787 Other consumer Pass $ 21,944 $ 30,575 $ 20,718 $ 11,621 $ 4,962 $ 3,709 $ 62,453 $ - $ 155,982 Substandard - 233 22 14 29 61 299 - 658 Loss - - - 550 - - - - 550 Total Other consumer $ 21,944 $ 30,808 $ 20,740 $ 12,185 $ 4,991 $ 3,770 $ 62,752 $ - $ 157,190 Year-to-Date gross write-offs $ 25 $ 196 $ 130 $ 96 $ 128 $ 1,497 $ - $ - $ 2,072 Total BPPR $ 3,998,743 $ 4,432,208 $ 3,823,470 $ 2,707,257 $ 1,530,860 $ 6,294,580 $ 2,915,119 $ 23,237 $ 25,725,474 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total Popular U.S. Commercial: Commercial multi-family Pass $ 88,767 $ 156,950 $ 517,888 $ 353,958 $ 195,703 $ 620,641 $ 2,840 $ - $ 1,936,747 Watch - - 16,549 1,990 23,777 89,401 - - 131,717 Special Mention - - - - - 4,765 - - 4,765 Substandard - - - - - 26,539 - - 26,539 Total commercial multi-family $ 88,767 $ 156,950 $ 534,437 $ 355,948 $ 219,480 $ 741,346 $ 2,840 $ - $ 2,099,768 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 441 $ - $ - $ 441 Commercial real estate non-owner occupied Pass $ 45,320 $ 397,410 $ 496,311 $ 156,546 $ 223,062 $ 469,514 $ 12,572 $ - $ 1,800,735 Watch - - 13,532 24,646 17,280 63,562 - - 119,020 Special Mention - - - 2,373 - 63,304 - - 65,677 Substandard - - 2,684 2,763 7,878 38,369 - - 51,694 Total commercial real estate non- owner occupied $ 45,320 $ 397,410 $ 512,527 $ 186,328 $ 248,220 $ 634,749 $ 12,572 $ - $ 2,037,126 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 54 $ - $ - $ 54 Commercial real estate owner occupied Pass $ 137,358 $ 287,290 $ 236,338 $ 253,353 $ 30,402 $ 253,735 $ 5,954 $ - $ 1,204,430 Watch - 13,320 33,982 36,980 50,577 70,804 1,905 - 207,568 Special Mention - 490 45,220 59,249 31,221 10,899 - - 147,079 Substandard - - 17,165 2,379 - 109,922 - - 129,466 Total commercial real estate owner occupied $ 137,358 $ 301,100 $ 332,705 $ 351,961 $ 112,200 $ 445,360 $ 7,859 $ - $ 1,688,543 Commercial and industrial Pass $ 145,968 $ 255,118 $ 314,585 $ 324,851 $ 264,907 $ 501,314 $ 193,158 $ - $ 1,999,901 Watch 22 8,581 51,322 32,037 20,747 67,302 9,533 - 189,544 Special Mention 55 9,052 5,503 726 1 297 5,190 - 20,824 Substandard 1,807 670 261 61 2,595 3,212 5,553 - 14,159 Total commercial and industrial $ 147,852 $ 273,421 $ 371,671 $ 357,675 $ 288,250 $ 572,125 $ 213,434 $ - $ 2,224,428 Year-to-Date gross write-offs $ 1,103 $ 644 $ 190 $ 300 $ 5 $ 44 $ 86 $ - $ 2,372 Construction Pass $ 169,148 $ 460,457 $ 149,988 $ 14,567 $ - $ 769 $ 9,133 $ - $ 804,062 Watch - - 28,896 - - 7,229 24,280 - 60,405 Special Mention - 10,026 6,224 - - - - - 16,250 Substandard - - 7,898 - - 34,349 - - 42,247 Total construction $ 169,148 $ 470,483 $ 193,006 $ 14,567 $ - $ 42,347 $ 33,413 $ - $ 922,964 Mortgage Pass $ 69,138 $ 91,580 $ 217,752 $ 275,884 $ 219,511 $ 395,632 $ - $ - $ 1,269,497 Substandard - - 106 252 - 28,076 - - 28,434 Total mortgage $ 69,138 $ 91,580 $ 217,858 $ 276,136 $ 219,511 $ 423,708 $ - $ - $ 1,297,931 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total Popular U.S. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 4 $ - $ 4 Total credit cards $ - $ - $ - $ - $ - $ - $ 4 $ - $ 4 HELOCs Pass $ - $ - $ - $ - $ - $ 6,335 $ 45,803 $ 11,587 $ 63,725 Substandard - - - - - 1,733 16 1,132 2,881 Loss - - - - - 99 - 855 954 Total HELOCs $ - $ - $ - $ - $ - $ 8,167 $ 45,819 $ 13,574 $ 67,560 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 25 $ - $ 25 Personal Pass $ 23,428 $ 27,043 $ 52,498 $ 11,362 $ 1,089 $ 1,836 $ - $ - $ 117,256 Substandard 147 656 536 122 16 338 - - 1,815 Loss - 23 - - - - - - 23 Total Personal $ 23,575 $ 27,722 $ 53,034 $ 11,484 $ 1,105 $ 2,174 $ - $ - $ 119,094 Year-to-Date gross write-offs $ 253 $ 3,161 $ 8,859 $ 2,030 $ 180 $ 267 $ - $ - $ 14,750 Other consumer Pass $ 17 $ - $ - $ - $ - $ - $ 12,056 $ - $ 12,073 Substandard - - - - - - 2 - 2 Total Other consumer $ 17 $ - $ - $ - $ - $ - $ 12,058 $ - $ 12,075 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 77 $ - $ 77 Total Popular U.S. $ 681,175 $ 1,718,666 $ 2,215,238 $ 1,554,099 $ 1,088,766 $ 2,869,976 $ 327,999 $ 13,574 $ 10,469,493 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total Popular, Inc. Commercial: Commercial multi-family Pass $ 134,512 $ 194,336 $ 654,686 $ 374,979 $ 215,927 $ 649,354 $ 2,840 $ - $ 2,226,634 Watch - - 16,549 1,990 23,777 95,197 - - 137,513 Special Mention - - 546 - - 9,430 - - 9,976 Substandard - - - - - 31,179 - - 31,179 Total commercial multi-family $ 134,512 $ 194,336 $ 671,781 $ 376,969 $ 239,704 $ 785,160 $ 2,840 $ - $ 2,405,302 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 441 $ - $ - $ 441 Commercial real estate non-owner occupied Pass $ 365,034 $ 712,844 $ 1,317,791 $ 708,014 $ 563,547 $ 1,011,876 $ 18,785 $ - $ 4,697,891 Watch - 2,118 14,593 29,661 46,445 120,386 - - 213,203 Special Mention - 41,558 7,153 26,797 - 129,289 - - 204,797 Substandard - 1,006 2,795 2,937 9,906 52,846 - - 69,490 Total commercial real estate non- owner occupied $ 365,034 $ 757,526 $ 1,342,332 $ 767,409 $ 619,898 $ 1,314,397 $ 18,785 $ - $ 5,185,381 Year-to-Date gross write-offs $ - $ - $ 69 $ - $ - $ 54 $ - $ - $ 123 Commercial real estate owner occupied Pass $ 226,785 $ 382,625 $ 385,711 $ 470,518 $ 78,073 $ 588,131 $ 11,858 $ - $ 2,143,701 Watch 845 15,352 75,904 45,983 55,136 154,497 1,908 - 349,625 Special Mention - 1,722 64,998 79,630 32,108 31,575 1,350 - 211,383 Substandard 467 1,149 37,809 7,093 141,549 186,647 12,932 - 387,646 Doubtful - - - - - 38 - - 38 Total commercial real estate owner occupied $ 228,097 $ 400,848 $ 564,422 $ 603,224 $ 306,866 $ 960,888 $ 28,048 $ - $ 3,092,393 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 2,787 $ - $ - $ 2,787 Commercial and industrial Pass $ 774,945 $ 1,178,248 $ 924,039 $ 647,040 $ 481,581 $ 825,487 $ 1,433,151 $ - $ 6,264,491 Watch 42,748 63,377 99,671 36,247 24,192 138,714 242,919 - 647,868 Special Mention 4,891 22,986 9,434 158,859 2,724 44,594 41,197 - 284,685 Substandard 6,523 1,806 35,129 6,396 14,651 25,592 113,334 - 203,431 Doubtful - - - - 14 17 - - 31 Loss - - - - - - 47 - 47 Total commercial and industrial $ 829,107 $ 1,266,417 $ 1,068,273 $ 848,542 $ 523,162 $ 1,034,404 $ 1,830,648 $ - $ 7,400,553 Year-to-Date gross write-offs $ 1,523 $ 962 $ 521 $ 422 $ 2,843 $ 11,729 $ 5,303 $ - $ 23,303 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total Popular, Inc. Construction Pass $ 215,627 $ 514,043 $ 191,480 $ 25,106 $ 10,572 $ 1,780 $ 28,864 $ - $ 987,472 Watch - - 28,896 - - 7,229 24,280 - 60,405 Special Mention - 10,026 6,224 6,165 - - - - 22,415 Substandard - - 7,898 768 - 34,349 - - 43,015 Total construction $ 215,627 $ 524,069 $ 234,498 $ 32,039 $ 10,572 $ 43,358 $ 53,144 $ - $ 1,113,307 Mortgage Pass $ 705,391 $ 825,752 $ 637,568 $ 688,932 $ 461,767 $ 4,569,475 $ - $ - $ 7,888,885 Substandard - 1,863 1,157 1,027 348 100,068 - - 104,463 Total mortgage $ 705,391 $ 827,615 $ 638,725 $ 689,959 $ 462,115 $ 4,669,543 $ - $ - $ 7,993,348 Year-to-Date gross write-offs $ - $ - $ - $ 8 $ - $ 1,009 $ - $ - $ 1,017 Leasing Pass $ 577,747 $ 508,333 $ 394,476 $ 240,244 $ 118,620 $ 40,264 $ - $ - $ 1,879,684 Substandard 315 1,772 2,219 1,744 564 664 - - 7,278 Loss - 29 30 - - 31 - - 90 Total leasing $ 578,062 $ 510,134 $ 396,725 $ 241,988 $ 119,184 $ 40,959 $ - $ - $ 1,887,052 Year-to-Date gross write-offs $ 639 $ 3,534 $ 4,220 $ 2,477 $ 453 $ 998 $ - $ - $ 12,321 September 30, 2024 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2024 2023 2022 2021 2020 Prior Years Total Popular, Inc. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,159,679 $ - $ 1,159,679 Substandard - - - - - - 27,121 - 27,121 Loss - - - - - - 93 - 93 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,186,893 $ - $ 1,186,893 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 50,318 $ - $ 50,318 HELOCs Pass $ - $ - $ - $ - $ - $ 6,335 $ 47,934 $ 11,587 $ 65,856 Substandard - - - - - 1,733 16 1,132 2,881 Loss - - - - - 99 - 855 954 Total HELOCs $ - $ - $ - $ - $ - $ 8,167 $ 47,950 $ 13,574 $ 69,691 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 398 $ - $ 398 Personal Pass $ 584,422 $ 611,453 $ 361,128 $ 129,721 $ 35,601 $ 105,559 $ - $ 21,944 $ 1,849,828 Substandard 494 5,904 4,474 1,678 281 8,998 - 1,293 23,122 Loss 3 108 100 6 6 2 - - 225 Total Personal $ 584,919 $ 617,465 $ 365,702 $ 131,405 $ 35,888 $ 114,559 $ - $ 23,237 $ 1,873,175 Year-to-Date gross write-offs $ 1,135 $ 29,513 $ 38,879 $ 10,487 $ 2,474 $ 3,201 $ - $ 1,415 $ 87,104 Auto Pass $ 1,013,543 $ 1,007,006 $ 721,883 $ 547,046 $ 290,297 $ 183,490 $ - $ - $ 3,763,265 Substandard 3,665 14,590 13,569 10,585 6,934 5,820 - - 55,163 Loss - 60 58 5 15 41 - - 179 Total Auto $ 1,017,208 $ 1,021,656 $ 735,510 $ 557,636 $ 297,246 $ 189,351 $ - $ - $ 3,818,607 Year-to-Date gross write-offs $ 3,815 $ 28,070 $ 15,143 $ 7,377 $ 3,930 $ 1,452 $ - $ - $ 59,787 Other consumer Pass $ 21,961 $ 30,575 $ 20,718 $ 11,621 $ 4,962 $ 3,709 $ 74,509 $ - $ 168,055 Substandard - 233 22 14 29 61 301 - 660 Loss - - - 550 - - - - 550 Total Other consumer $ 21,961 $ 30,808 $ 20,740 $ 12,185 $ 4,991 $ 3,770 $ 74,810 $ - $ 169,265 Year-to-Date gross write-offs $ 25 $ 196 $ 130 $ 96 $ 128 $ 1,497 $ 77 $ - $ 2,149 Total Popular Inc. $ 4,679,918 $ 6,150,874 $ 6,038,708 $ 4,261,356 $ 2,619,626 $ 9,164,556 $ 3,243,118 $ 36,811 $ 36,194,967 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total BPPR Commercial: Commercial multi-family Pass $ 37,976 $ 138,619 $ 21,334 $ 20,487 $ 32,554 $ 24,248 $ 306 $ - $ 275,524 Watch - - - - 1,068 5,179 - - 6,247 Special Mention - 559 - - - 4,780 - - 5,339 Substandard - - - - - 4,832 - - 4,832 Total commercial multi-family $ 37,976 $ 139,178 $ 21,334 $ 20,487 $ 33,622 $ 39,039 $ 306 $ - $ 291,942 Commercial real estate non-owner occupied Pass $ 305,243 $ 871,191 $ 560,785 $ 359,853 $ 41,262 $ 563,794 $ 7,042 $ - $ 2,709,170 Watch 1,959 882 5,205 22,211 5,938 27,015 - - 63,210 Special Mention 43,020 5,413 24,730 - 15,843 68,368 - - 157,374 Substandard 1,016 1,307 180 2,231 53,729 12,968 4,069 - 75,500 Total commercial real estate non- owner occupied $ 351,238 $ 878,793 $ 590,900 $ 384,295 $ 116,772 $ 672,145 $ 11,111 $ - $ 3,005,254 Year-to-Date gross write-offs $ - $ - $ - $ 609 $ - $ 521 $ - $ - $ 1,130 Commercial real estate owner occupied Pass $ 92,234 $ 155,819 $ 227,246 $ 51,038 $ 24,184 $ 357,429 $ 9,146 $ - $ 917,096 Watch 2,947 45,106 9,913 4,285 5,017 62,217 1,000 - 130,485 Special Mention - 16,860 20,741 1,462 887 44,069 - - 84,019 Substandard 1,316 15,710 5,080 143,696 845 87,383 12,617 - 266,647 Doubtful - - - - - 136 - - 136 Total commercial real estate owner occupied $ 96,497 $ 233,495 $ 262,980 $ 200,481 $ 30,933 $ 551,234 $ 22,763 $ - $ 1,398,383 Year-to-Date gross write-offs $ - $ 4 $ - $ - $ 1 $ 4,432 $ - $ - $ 4,437 Commercial and industrial Pass $ 1,109,898 $ 634,401 $ 511,912 $ 241,452 $ 123,458 $ 258,872 $ 1,343,885 $ - $ 4,223,878 Watch 28,841 95,785 6,111 4,043 15,560 65,360 182,756 - 398,456 Special Mention 6,401 3,269 276 3,200 2,088 41,289 9,410 - 65,933 Substandard 731 1,760 8,644 22,065 1,922 32,087 40,670 - 107,879 Doubtful - - - 54 - 26 - - 80 Total commercial and industrial $ 1,145,871 $ 735,215 $ 526,943 $ 270,814 $ 143,028 $ 397,634 $ 1,576,721 $ - $ 4,796,226 Year-to-Date gross write-offs $ 896 $ 184 $ 215 $ 335 $ 555 $ 1,086 $ 4,468 $ - $ 7,739 Construction Pass $ 26,662 $ 24,462 $ 27,364 $ 10,758 $ 1,944 $ 1,049 $ 38,720 $ - $ 130,959 Watch - 16,546 5,458 - - - 9,506 - 31,510 Special Mention - - 1,009 - - - 1 - 1,010 Substandard - 6,378 - - - - - - 6,378 Total construction $ 26,662 $ 47,386 $ 33,831 $ 10,758 $ 1,944 $ 1,049 $ 48,227 $ - $ 169,857 Year-to-Date gross write-offs $ - $ 2,611 $ - $ - $ - $ - $ - $ - $ 2,611 Mortgage Pass $ 751,532 $ 439,373 $ 421,297 $ 259,412 $ 164,438 $ 4,280,509 $ - $ - $ 6,316,561 Substandard 96 161 162 345 2,606 71,893 - - 75,263 Total mortgage $ 751,628 $ 439,534 $ 421,459 $ 259,757 $ 167,044 $ 4,352,402 $ - $ - $ 6,391,824 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 1,638 $ - $ - $ 1,638 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total BPPR Leasing Pass $ 647,659 $ 488,506 $ 313,133 $ 163,189 $ 88,983 $ 21,706 $ - $ - $ 1,723,176 Substandard 806 2,516 3,053 906 818 517 - - 8,616 Loss - - - - - 17 - - 17 Total leasing $ 648,465 $ 491,022 $ 316,186 $ 164,095 $ 89,801 $ 22,240 $ - $ - $ 1,731,809 Year-to-Date gross write-offs $ 1,065 $ 4,424 $ 2,878 $ 849 $ 976 $ 687 $ - $ - $ 10,879 Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,112,447 $ - $ 1,112,447 Substandard - - - - - - 23,259 - 23,259 Loss - - - - - - 22 - 22 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,135,728 $ - $ 1,135,728 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 41,007 $ - $ 41,007 HELOCs Pass $ - $ - $ - $ - $ - $ - $ 2,622 $ - $ 2,622 Substandard - - - - - - 26 - 26 Total HELOCs $ - $ - $ - $ - $ - $ - $ 2,648 $ - $ 2,648 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 213 $ - $ 213 Personal Pass $ 859,434 $ 480,771 $ 181,483 $ 57,227 $ 58,849 $ 96,956 $ - $ 22,034 $ 1,756,754 Substandard 1,815 4,985 1,939 493 933 8,322 - 1,006 19,493 Loss - - 14 - 12 37 - - 63 Total Personal $ 861,249 $ 485,756 $ 183,436 $ 57,720 $ 59,794 $ 105,315 $ - $ 23,040 $ 1,776,310 Year-to-Date gross write-offs $ 4,458 $ 35,915 $ 18,076 $ 4,210 $ 4,891 $ 2,952 $ - $ 1,475 $ 71,977 Auto Pass $ 1,210,622 $ 899,797 $ 711,439 $ 405,768 $ 260,355 $ 120,318 $ - $ - $ 3,608,299 Substandard 6,980 14,049 11,916 9,157 7,051 3,199 - - 52,352 Loss 9 44 45 16 9 6 - - 129 Total Auto $ 1,217,611 $ 913,890 $ 723,400 $ 414,941 $ 267,415 $ 123,523 $ - $ - $ 3,660,780 Year-to-Date gross write-offs $ 10,170 $ 23,849 $ 11,820 $ 5,914 $ 3,553 $ - $ - $ - $ 55,306 Other consumer Pass $ 36,144 $ 24,238 $ 14,942 $ 5,618 $ 3,433 $ 2,753 $ 61,796 $ - $ 148,924 Substandard 244 25 - 73 16 131 249 - 738 Loss - - 137 - - 363 - - 500 Total Other consumer $ 36,388 $ 24,263 $ 15,079 $ 5,691 $ 3,449 $ 3,247 $ 62,045 $ - $ 150,162 Year-to-Date gross write-offs $ 47 $ 154 $ 125 $ 164 $ 88 $ 11,876 $ - $ - $ 12,454 Total BPPR $ 5,173,585 $ 4,388,532 $ 3,095,548 $ 1,789,039 $ 913,802 $ 6,267,828 $ 2,859,549 $ 23,040 $ 24,510,923 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular U.S. Commercial: Commercial multi-family Pass $ 166,410 $ 417,169 $ 326,047 $ 164,887 $ 182,528 $ 410,836 $ 5,112 $ - $ 1,672,989 Watch - 116,794 39,319 71,237 93,239 98,365 - - 418,954 Special Mention - - 862 1,171 - 3,377 - - 5,410 Substandard - - - - 5,545 20,780 - - 26,325 Total commercial multi-family $ 166,410 $ 533,963 $ 366,228 $ 237,295 $ 281,312 $ 533,358 $ 5,112 $ - $ 2,123,678 Commercial real estate non-owner occupied Pass $ 396,712 $ 490,316 $ 170,074 $ 201,225 $ 86,595 $ 394,455 $ 6,086 $ - $ 1,745,463 Watch - 39,721 38,713 43,705 39,908 91,922 4,557 - 258,526 Special Mention - - - - 1,327 63,365 - - 64,692 Substandard - - - 8,054 1,702 3,730 - - 13,486 Total commercial real estate non- owner occupied $ 396,712 $ 530,037 $ 208,787 $ 252,984 $ 129,532 $ 553,472 $ 10,643 $ - $ 2,082,167 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 193 $ - $ - $ 193 Commercial real estate owner occupied Pass $ 303,202 $ 278,380 $ 226,289 $ 58,505 $ 47,083 $ 204,888 $ 9,753 $ - $ 1,128,100 Watch - 69,894 84,218 53,066 14,057 98,502 1,905 - 321,642 Special Mention - - 77,912 4,955 6,074 11,224 - - 100,165 Substandard - 477 2,430 - 21,763 107,675 - - 132,345 Total commercial real estate owner occupied $ 303,202 $ 348,751 $ 390,849 $ 116,526 $ 88,977 $ 422,289 $ 11,658 $ - $ 1,682,252 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 1,395 $ - $ - $ 1,395 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular U.S. Commercial and industrial Pass $ 196,959 $ 278,238 $ 346,428 $ 268,835 $ 148,502 $ 379,635 $ 414,883 $ - $ 2,033,480 Watch 198 37,022 47,299 44,939 23,493 93,299 32,497 - 278,747 Special Mention 208 889 1,021 30 151 39 8,674 - 11,012 Substandard 636 628 152 1,152 730 1,841 1,517 - 6,656 Total commercial and industrial $ 198,001 $ 316,777 $ 394,900 $ 314,956 $ 172,876 $ 474,814 $ 457,571 $ - $ 2,329,895 Year-to-Date gross write-offs $ 247 $ 221 $ 1,994 $ 44 $ 1,320 $ - $ 49 $ - $ 3,875 Construction Pass $ 280,188 $ 251,627 $ 89,450 $ 14,733 $ 25,254 $ - $ - $ - $ 661,252 Watch - 22,867 12,869 - 21,896 782 - - 58,414 Special Mention 2,120 13,151 - - - - - - 15,271 Substandard - 1 13,997 3,895 - 36,593 - - 54,486 Total construction $ 282,308 $ 287,646 $ 116,316 $ 18,628 $ 47,150 $ 37,375 $ - $ - $ 789,423 Mortgage Pass $ 99,296 $ 229,720 $ 288,767 $ 233,805 $ 177,245 $ 264,069 $ - $ - $ 1,292,902 Substandard - 235 - 646 2,102 8,208 - - 11,191 Total mortgage $ 99,296 $ 229,955 $ 288,767 $ 234,451 $ 179,347 $ 272,277 $ - $ - $ 1,304,093 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular U.S. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 19 $ - $ 19 Total credit cards $ - $ - $ - $ - $ - $ - $ 19 $ - $ 19 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 1 $ - $ 1 HELOCs Pass $ - $ - $ - $ - $ - $ 7,394 $ 39,925 $ 12,253 $ 59,572 Substandard - - - - - 1,849 - 966 2,815 Loss - - - - - 99 - 819 918 Total HELOCs $ - $ - $ - $ - $ - $ 9,342 $ 39,925 $ 14,038 $ 63,305 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 471 $ - $ - $ 471 Personal Pass $ 41,016 $ 93,759 $ 23,325 $ 2,993 $ 3,597 $ 1,441 $ - $ - $ 166,131 Substandard 333 1,630 325 50 126 211 - - 2,675 Loss - - - - 1 130 - - 131 Total Personal $ 41,349 $ 95,389 $ 23,650 $ 3,043 $ 3,724 $ 1,782 $ - $ - $ 168,937 Year-to-Date gross write-offs $ 735 $ 13,136 $ 4,450 $ 618 $ 872 $ 160 $ - $ - $ 19,971 Other consumer Pass $ 19 $ - $ - $ - $ - $ - $ 10,259 $ - $ 10,278 Substandard - - - - - - 1 - 1 Total Other consumer $ 19 $ - $ - $ - $ - $ - $ 10,260 $ - $ 10,279 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 171 $ - $ 171 Total Popular U.S. $ 1,487,297 $ 2,342,518 $ 1,789,497 $ 1,177,883 $ 902,918 $ 2,304,709 $ 535,188 $ 14,038 $ 10,554,048 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular, Inc. Commercial: Commercial multi-family Pass $ 204,386 $ 555,788 $ 347,381 $ 185,374 $ 215,082 $ 435,084 $ 5,418 $ - $ 1,948,513 Watch - 116,794 39,319 71,237 94,307 103,544 - - 425,201 Special Mention - 559 862 1,171 - 8,157 - - 10,749 Substandard - - - - 5,545 25,612 - - 31,157 Total commercial multi-family $ 204,386 $ 673,141 $ 387,562 $ 257,782 $ 314,934 $ 572,397 $ 5,418 $ - $ 2,415,620 Commercial real estate non-owner occupied Pass $ 701,955 $ 1,361,507 $ 730,859 $ 561,078 $ 127,857 $ 958,249 $ 13,128 $ - $ 4,454,633 Watch 1,959 40,603 43,918 65,916 45,846 118,937 4,557 - 321,736 Special Mention 43,020 5,413 24,730 - 17,170 131,733 - - 222,066 Substandard 1,016 1,307 180 10,285 55,431 16,698 4,069 - 88,986 Total commercial real estate non- owner occupied $ 747,950 $ 1,408,830 $ 799,687 $ 637,279 $ 246,304 $ 1,225,617 $ 21,754 $ - $ 5,087,421 Year-to-Date gross write-offs $ - $ - $ - $ 609 $ - $ 714 $ - $ - $ 1,323 Commercial real estate owner occupied Pass $ 395,436 $ 434,199 $ 453,535 $ 109,543 $ 71,267 $ 562,317 $ 18,899 $ - $ 2,045,196 Watch 2,947 115,000 94,131 57,351 19,074 160,719 2,905 - 452,127 Special Mention - 16,860 98,653 6,417 6,961 55,293 - - 184,184 Substandard 1,316 16,187 7,510 143,696 22,608 195,058 12,617 - 398,992 Doubtful - - - - - 136 - - 136 Total commercial real estate owner occupied $ 399,699 $ 582,246 $ 653,829 $ 317,007 $ 119,910 $ 973,523 $ 34,421 $ - $ 3,080,635 Year-to-Date gross write-offs $ - $ 4 $ - $ - $ 1 $ 5,827 $ - $ - $ 5,832 Commercial and industrial Pass $ 1,306,857 $ 912,639 $ 858,340 $ 510,287 $ 271,960 $ 638,507 $ 1,758,768 $ - $ 6,257,358 Watch 29,039 132,807 53,410 48,982 39,053 158,659 215,253 - 677,203 Special Mention 6,609 4,158 1,297 3,230 2,239 41,328 18,084 - 76,945 Substandard 1,367 2,388 8,796 23,217 2,652 33,928 42,187 - 114,535 Doubtful - - - 54 - 26 - - 80 Total commercial and industrial $ 1,343,872 $ 1,051,992 $ 921,843 $ 585,770 $ 315,904 $ 872,448 $ 2,034,292 $ - $ 7,126,121 Year-to-Date gross write-offs $ 1,143 $ 405 $ 2,209 $ 379 $ 1,875 $ 1,086 $ 4,517 $ - $ 11,614 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular, Inc. Construction Pass $ 306,850 $ 276,089 $ 116,814 $ 25,491 $ 27,198 $ 1,049 $ 38,720 $ - $ 792,211 Watch - 39,413 18,327 - 21,896 782 9,506 - 89,924 Special Mention 2,120 13,151 1,009 - - - 1 - 16,281 Substandard - 6,379 13,997 3,895 - 36,593 - - 60,864 Total construction $ 308,970 $ 335,032 $ 150,147 $ 29,386 $ 49,094 $ 38,424 $ 48,227 $ - $ 959,280 Year-to-Date gross write-offs $ - $ 2,611 $ - $ - $ - $ - $ - $ - $ 2,611 Mortgage Pass $ 850,828 $ 669,093 $ 710,064 $ 493,217 $ 341,683 $ 4,544,578 $ - $ - $ 7,609,463 Substandard 96 396 162 991 4,708 80,101 - - 86,454 Total mortgage $ 850,924 $ 669,489 $ 710,226 $ 494,208 $ 346,391 $ 4,624,679 $ - $ - $ 7,695,917 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 1,638 $ - $ - $ 1,638 Leasing Pass $ 647,659 $ 488,506 $ 313,133 $ 163,189 $ 88,983 $ 21,706 $ - $ - $ 1,723,176 Substandard 806 2,516 3,053 906 818 517 - - 8,616 Loss - - - - - 17 - - 17 Total leasing $ 648,465 $ 491,022 $ 316,186 $ 164,095 $ 89,801 $ 22,240 $ - $ - $ 1,731,809 Year-to-Date gross write-offs $ 1,065 $ 4,424 $ 2,878 $ 849 $ 976 $ 687 $ - $ - $ 10,879 December 31, 2023 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2023 2022 2021 2020 2019 Prior Years Total Popular, Inc. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,112,466 $ - $ 1,112,466 Substandard - - - - - - 23,259 - 23,259 Loss - - - - - - 22 - 22 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,135,747 $ - $ 1,135,747 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 41,008 $ - $ 41,008 HELOCs Pass $ - $ - $ - $ - $ - $ 7,394 $ 42,547 $ 12,253 $ 62,194 Substandard - - - - - 1,849 26 966 2,841 Loss - - - - - 99 - 819 918 Total HELOCs $ - $ - $ - $ - $ - $ 9,342 $ 42,573 $ 14,038 $ 65,953 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 471 $ 213 $ - $ 684 Personal Pass $ 900,450 $ 574,530 $ 204,808 $ 60,220 $ 62,446 $ 98,397 $ - $ 22,034 $ 1,922,885 Substandard 2,148 6,615 2,264 543 1,059 8,533 - 1,006 22,168 Loss $ - $ - $ 14 $ - $ 13 $ 167 $ - $ - $ 194 Total Personal $ 902,598 $ 581,145 $ 207,086 $ 60,763 $ 63,518 $ 107,097 $ - $ 23,040 $ 1,945,247 Year-to-Date gross write-offs $ 5,193 $ 49,051 $ 22,526 $ 4,828 $ 5,763 $ 3,112 $ - $ 1,475 $ 91,948 Auto Pass $ 1,210,622 $ 899,797 $ 711,439 $ 405,768 $ 260,355 $ 120,318 $ - $ - $ 3,608,299 Substandard 6,980 14,049 11,916 9,157 7,051 3,199 - - 52,352 Loss 9 44 45 16 9 6 - - 129 Total Auto $ 1,217,611 $ 913,890 $ 723,400 $ 414,941 $ 267,415 $ 123,523 $ - $ - $ 3,660,780 Year-to-Date gross write-offs $ 10,170 $ 23,849 $ 11,820 $ 5,914 $ 3,553 $ - $ - $ - $ 55,306 Other consumer Pass $ 36,163 $ 24,238 $ 14,942 $ 5,618 $ 3,433 $ 2,753 $ 72,055 $ - $ 159,202 Substandard 244 25 - 73 16 131 250 - 739 Loss - - 137 - - 363 - - 500 Total Other consumer $ 36,407 $ 24,263 $ 15,079 $ 5,691 $ 3,449 $ 3,247 $ 72,305 $ - $ 160,441 Year-to-Date gross write-offs $ 47 $ 154 $ 125 $ 164 $ 88 $ 11,876 $ 171 $ - $ 12,625 Total Popular Inc. $ 6,660,882 $ 6,731,050 $ 4,885,045 $ 2,966,922 $ 1,816,720 $ 8,572,537 $ 3,394,737 $ 37,078 $ 35,064,971

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