XML 96 R63.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Allowance for credit losses - loans held-in-portfolio (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Allowance for credit losses on financing receivables | The following tables present the changes in the ACL of loans held-in-portfolio and unfunded commitments for the years ended December 31, 2024 and 2023. For the year ended December 31, 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 $ (834) $ - $ - $ 3 $ 2,783 Commercial real estate non-owner occupied 53,754 (9,630) - (128) 856 44,852 Commercial real estate owner occupied 40,637 (4,196) - (2,793) 3,707 37,355 Commercial and industrial 107,577 40,418 - (24,555) 6,696 130,136 Total Commercial 205,582 25,758 - (27,476) 11,262 215,126 Construction 5,294 (3,587) - - 1,036 2,743 Mortgage 72,440 (13,580) 34 (1,084) 15,091 72,901 Leasing 9,708 18,967 - (16,975) 4,719 16,419 Consumer Credit cards 80,487 78,024 - (69,731) 10,350 99,130 Home equity lines of credit 103 (45) - (380) 376 54 Personal 101,181 78,574 - (98,669) 10,210 91,296 Auto 157,931 68,096 - (85,400) 25,368 165,995 Other 7,132 1,621 - (2,801) 1,050 7,002 Total Consumer 346,834 226,270 - (256,981) 47,354 363,477 Total - Loans $ 639,858 $ 253,828 $ 34 $ (302,516) $ 79,462 $ 670,666 Allowance for credit losses - unfunded commitments: Commercial $ 5,062 $ 1,663 $ - $ - $ - $ 6,725 Construction 1,618 45 - - - 1,663 Ending balance - unfunded commitments [1] $ 6,680 $ 1,708 $ - $ - $ - $ 8,388 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the year ended December 31, 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 $ (3,243) $ (441) $ 11 $ 6,453 Commercial real estate non-owner occupied 11,699 (2,533) (54) 530 9,642 Commercial real estate owner occupied 16,227 (3,721) (154) 121 12,473 Commercial and industrial 14,779 4,304 (3,978) 765 15,870 Total Commercial 52,831 (5,193) (4,627) 1,427 44,438 Construction 7,392 1,029 - 100 8,521 Mortgage 10,774 (1,381) (18) 133 9,508 Consumer Home equity lines of credit 1,875 (1,181) (53) 808 1,449 Personal 16,609 11,278 (19,203) 2,756 11,440 Other 2 61 (101) 40 2 Total Consumer 18,486 10,158 (19,357) 3,604 12,891 Total - Loans $ 89,483 $ 4,613 $ (24,002) $ 5,264 $ 75,358 Allowance for credit losses - unfunded commitments: Commercial $ 1,851 $ (189) $ - $ - $ 1,662 Construction 8,446 (3,037) - - 5,409 Consumer 29 (18) - - 11 Ending balance - unfunded commitments [1] $ 10,326 $ (3,244) $ - $ - $ 7,082 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the year ended December 31, 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 $ (4,077) $ - $ (441) $ 14 $ 9,236 Commercial real estate non-owner occupied 65,453 (12,163) - (182) 1,386 54,494 Commercial real estate owner occupied 56,864 (7,917) - (2,947) 3,828 49,828 Commercial and industrial 122,356 44,722 - (28,533) 7,461 146,006 Total Commercial 258,413 20,565 - (32,103) 12,689 259,564 Construction 12,686 (2,558) - - 1,136 11,264 Mortgage 83,214 (14,961) 34 (1,102) 15,224 82,409 Leasing 9,708 18,967 - (16,975) 4,719 16,419 Consumer Credit cards 80,487 78,024 - (69,731) 10,350 99,130 Home equity lines of credit 1,978 (1,226) - (433) 1,184 1,503 Personal 117,790 89,852 - (117,872) 12,966 102,736 Auto 157,931 68,096 - (85,400) 25,368 165,995 Other 7,134 1,682 - (2,902) 1,090 7,004 Total Consumer 365,320 236,428 - (276,338) 50,958 376,368 Total - Loans $ 729,341 $ 258,441 $ 34 $ (326,518) $ 84,726 $ 746,024 Allowance for credit losses - unfunded commitments: Commercial $ 6,913 $ 1,474 $ - $ - $ - $ 8,387 Construction 10,064 (2,992) - - - 7,072 Consumer 29 (18) - - - 11 Ending balance - unfunded commitments [1] $ 17,006 $ (1,536) $ - $ - $ - $ 15,470 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the year ended December 31, 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 $ - $ (1,597) $ - $ - $ 1 $ - $ 3,614 Commercial real estate non-owner occupied 52,475 - 980 - (1,130) 1,429 - 53,754 Commercial real estate owner occupied 48,393 (1,161) (5,495) - (4,437) 3,337 - 40,637 Commercial and industrial 68,217 (552) 29,911 - (7,739) 17,740 - 107,577 Total Commercial 174,295 (1,713) 23,799 - (13,306) 22,507 - 205,582 Construction 2,978 - 4,926 - (2,611) 1 - 5,294 Mortgage 117,344 (33,556) (25,295) 89 (1,638) 15,496 - 72,440 Leasing 20,618 (35) (3,836) - (10,879) 3,840 - 9,708 Consumer Credit cards 58,670 - 54,649 - (41,007) 8,776 (601) 80,487 Home equity lines of credit 103 - (155) - (213) 368 - 103 Personal 96,369 (7,020) 74,226 - (71,977) 9,583 - 101,181 Auto 129,735 (21) 63,185 - (55,306) 20,338 - 157,931 Other 15,433 - 3,335 - (12,454) 818 - 7,132 Total Consumer 300,310 (7,041) 195,240 - (180,957) 39,883 (601) 346,834 Total - Loans $ 615,545 $ (42,345) $ 194,834 $ 89 $ (209,391) $ 81,727 $ (601) $ 639,858 Allowance for credit losses - unfunded commitments: Commercial $ 4,336 $ - $ 726 $ - $ - $ - $ - $ 5,062 Construction 2,022 - (404) - - - - 1,618 Ending balance - unfunded commitments [1] $ 6,358 $ - $ 322 $ - $ - $ - $ - $ 6,680 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the year ended December 31, 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 $ - $ (10,980) $ - $ 5 $ 10,126 Commercial real estate non-owner occupied 19,065 - (9,222) (193) 2,049 11,699 Commercial real estate owner occupied 8,688 - 8,851 (1,395) 83 16,227 Commercial and industrial 12,227 - 4,557 (3,875) 1,870 14,779 Total Commercial 61,081 - (6,794) (5,463) 4,007 52,831 Construction 1,268 - 6,124 - - 7,392 Mortgage 17,910 (2,098) (5,248) - 210 10,774 Consumer Credit cards - - 1 (1) - - Home equity lines of credit 2,439 - (1,058) (471) 965 1,875 Personal 22,057 (1,140) 13,521 (19,971) 2,142 16,609 Other 2 - 159 (171) 12 2 Total Consumer 24,498 (1,140) 12,623 (20,614) 3,119 18,486 Total - Loans $ 104,757 $ (3,238) $ 6,705 $ (26,077) $ 7,336 $ 89,483 Allowance for credit losses - unfunded commitments: Commercial $ 1,175 $ - $ 676 $ - $ - $ 1,851 Construction 1,184 - 7,262 - - 8,446 Consumer 88 - (59) - - 29 Ending balance - unfunded commitments [1] $ 2,447 $ - $ 7,879 $ - $ - $ 10,326 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition. For the year ended December 31, 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 $ - $ (12,577) $ - $ - $ 6 $ - $ 13,740 Commercial real estate non-owner occupied 71,540 - (8,242) - (1,323) 3,478 - 65,453 Commercial real estate owner occupied 57,081 (1,161) 3,356 - (5,832) 3,420 - 56,864 Commercial and industrial 80,444 (552) 34,468 - (11,614) 19,610 - 122,356 Total Commercial 235,376 (1,713) 17,005 - (18,769) 26,514 - 258,413 Construction 4,246 - 11,050 - (2,611) 1 - 12,686 Mortgage 135,254 (35,654) (30,543) 89 (1,638) 15,706 - 83,214 Leasing 20,618 (35) (3,836) - (10,879) 3,840 - 9,708 Consumer Credit cards 58,670 - 54,650 - (41,008) 8,776 (601) 80,487 Home equity lines of credit 2,542 - (1,213) - (684) 1,333 - 1,978 Personal 118,426 (8,160) 87,747 - (91,948) 11,725 - 117,790 Auto 129,735 (21) 63,185 - (55,306) 20,338 - 157,931 Other 15,435 - 3,494 - (12,625) 830 - 7,134 Total Consumer 324,808 (8,181) 207,863 - (201,571) 43,002 (601) 365,320 Total - Loans $ 720,302 $ (45,583) $ 201,539 $ 89 $ (235,468) $ 89,063 $ (601) $ 729,341 Allowance for credit losses - unfunded commitments: Commercial $ 5,511 $ - $ 1,402 $ - $ - $ - $ - $ 6,913 Construction 3,206 - 6,858 - - - - 10,064 Consumer 88 - (59) - - - - 29 Ending balance - unfunded commitments [1] $ 8,805 $ - $ 8,201 $ - $ - $ - $ - $ 17,006 [1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.
Financing receivable modified for debtors experiencing financial difficulty | Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the year ended December 31, 2024 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable CRE owner occupied $ 169 0.01 % $ - - % $ 169 0.01 % Commercial and industrial 3,472 0.06 % - - % 3,472 0.04 % Mortgage 42 - % - - % 42 - % Consumer: Credit cards 853 0.07 % - - % 853 0.07 % Personal 2,941 0.17 % - - % 2,941 0.16 % Other 23 0.01 % - - % 23 0.01 % Total $ 7,500 0.03 % $ - - % $ 7,500 0.02 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Commercial multi-family $ - - % $ 5,818 0.28 % $ 5,818 0.24 % CRE non-owner occupied 36,585 1.13 % - - % 36,585 0.68 % CRE owner occupied 20,431 1.48 % 5,993 0.34 % 26,424 0.84 % Commercial and industrial 24,820 0.46 % 684 0.03 % 25,504 0.33 % Construction 576 0.27 % - - % 576 0.05 % Mortgage 51,238 0.75 % 1,460 0.11 % 52,698 0.65 % Consumer: Personal 683 0.04 % 17 0.02 % 700 0.04 % Auto 83 - % - - % 83 - % Total $ 134,416 0.51 % $ 13,972 0.13 % $ 148,388 0.40 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 455 0.01 % $ - - % $ 455 0.01 % CRE owner occupied 20,399 1.48 % - - % 20,399 0.65 % Commercial and industrial 104,423 1.95 % - - % 104,423 1.35 % Mortgage 175 - % - - % 175 - % Total $ 125,452 0.48 % $ - - % $ 125,452 0.34 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 885 0.03 % $ - - % $ 885 0.02 % CRE owner occupied 143,886 10.46 % - - % 143,886 4.56 % Commercial and industrial 644 0.01 % - - % 644 0.01 % Mortgage 14,674 0.22 % 66 0.01 % 14,740 0.18 % Consumer: Personal 8,662 0.49 % 329 0.31 % 8,991 0.48 % Total $ 168,751 0.64 % $ 395 - % $ 169,146 0.46 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2024 % of total class of Financing Receivable CRE owner occupied $ 1,033 0.08 % $ - - % $ 1,033 0.03 % Commercial and industrial 440 0.01 % - - % 440 0.01 % Consumer: Credit cards 3,511 0.29 % - - % 3,511 0.29 % Total $ 4,984 0.02 % $ - - % $ 4,984 0.01 % Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the year ended December 31, 2023 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable CRE owner occupied $ 141,291 10.10 % $ - - % $ 141,291 4.59 % Commercial and industrial 70 - % - - % 70 - % Mortgage 301 - % - - % 301 - % Consumer: Credit cards 700 0.06 % - - % 700 0.06 % Personal 783 0.04 % 2 - % 785 0.04 % Other 6 - % - - % 6 - % Total $ 143,151 0.58 % $ 2 - % $ 143,153 0.41 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 33,318 1.11 % $ - - % $ 33,318 0.65 % CRE owner occupied 4,921 0.35 % 60,669 3.61 % 65,590 2.13 % Commercial and industrial 39,445 0.82 % 250 0.01 % 39,695 0.56 % Construction - - % 5,990 0.76 % 5,990 0.62 % Mortgage 53,447 0.84 % 5,450 0.42 % 58,897 0.77 % Consumer: Personal 413 0.02 % 129 0.08 % 542 0.03 % Auto 91 - % - - % 91 - % Total $ 131,635 0.54 % $ 72,488 0.69 % $ 204,123 0.58 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 1,854 0.06 % $ - - % $ 1,854 0.04 % CRE owner occupied 16,068 1.15 % 13,468 0.80 % 29,536 0.96 % Commercial and industrial 10,545 0.22 % 814 0.03 % 11,359 0.16 % Mortgage 137 - % - - % 137 - % Total $ 28,604 0.12 % $ 14,282 0.14 % $ 42,886 0.12 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Commercial multi-family $ 65 0.02 % $ - - % $ 65 - % CRE non-owner occupied 19,983 0.66 % - - % 19,983 0.39 % CRE owner occupied 14,416 1.03 % - - % 14,416 0.47 % Commercial and industrial 335 0.01 % - - % 335 - % Mortgage 37,179 0.58 % 405 0.03 % 37,584 0.49 % Consumer: Personal 2,318 0.13 % 62 0.04 % 2,380 0.12 % Auto 27 - % - - % 27 - % Total $ 74,323 0.30 % $ 467 - % $ 74,790 0.21 % Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable CRE non-owner occupied $ 180 0.01 % $ - - $ 180 - % Commercial and industrial 199 - % - - 199 - % Consumer: Credit cards 814 0.07 % - - 814 0.07 % Total $ 1,193 - % $ - - $ 1,193 - % Combination - Other-Than-Insignificant Payment Delays and Principal Forgiveness Puerto Rico Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable Amortized Cost Basis at December 31, 2023 % of total class of Financing Receivable CRE owner occupied $ 158 0.01 % $ - - $ 158 0.01 % Total $ 158 - % $ - - $ 158 - % The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulties: For the year ended December 31, 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 6.7 % to 5.8 %. Commercial and industrial Reduced weighted-average contractual interest rate from 21.6 % 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 21.2 % to 7.6 %. Personal Reduced weighted-average contractual interest rate from 19.8 % to 10.6 %. Other Reduced weighted-average contractual interest rate from 18 .0% to 0 .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 1 year to the life of loans. CRE Owner occupied Added a weighted-average of 21 months to the life of loans. Commercial and industrial Added a weighted-average of 21 months 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 7 years to the life of loans. Auto Added a weighted-average of 3 years to the life of loans. Other than insignificant payment delay Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 13 months to the life of loans. CRE Owner occupied Added a weighted-average of 6 months to the life of loans. Commercial and industrial Added a weighted-average of 12 months to the life of loans. Mortgage Added a weighted-average of 53 months to the life of loans. Consumer: Credit cards Added a weighted-average of 16 months to the life of loans. For the year ended December 31, 2023 Interest rate reduction Loan Type Financial Effect Commercial multi-family Reduced weighted-average contractual interest rate from 7.5 % to 5.3 %. CRE Non-owner occupied Reduced weighted-average contractual interest rate from 9.1 % to 7.3 %. 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 17.8 % to 7.8 %. Mortgage Reduced weighted-average contractual interest rate from 5.8 % to 4.2 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 18.8 % to 4.5 %. Personal Reduced weighted-average contractual interest rate from 17.8 % to 9.3 %. 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 Commercial multi-family Added a weighted-average of 43 years to the life of loans. CRE Non-owner occupied Added a weighted-average of 20 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 1 year 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 8 years to the life of loans. Auto Added a weighted-average of 2 years to the life of loans. Principal forgiveness Loan Type Financial Effect CRE Owner occupied Reduced the amortized cost basis of the loans by $ 88 thousand. Other than insignificant payment delay Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 11 months to the life of loans. CRE Owner occupied Added a weighted-average of 9 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 40 months to the life of loans. Consumer: Credit cards Added a weighted-average of 25 months to the life of loans. BPPR December 31, 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 CRE non-owner occupied $ - $ - $ 1,340 $ 1,340 $ 36,585 $ 37,925 $ - $ 1,340 CRE owner occupied 5,509 112 2,347 7,968 177,950 185,918 - 2,347 Commercial and industrial 217 108 4,701 5,026 128,773 133,799 399 4,302 Construction - - - - 576 576 - - Mortgage 5,253 4,127 20,236 29,616 36,513 66,129 7,679 12,557 Consumer: Credit cards 491 347 630 1,468 2,896 4,364 362 268 Personal 288 201 2,047 2,536 9,750 12,286 190 1,857 Auto - - - - 83 83 - - Other - - - - 23 23 - - Total $ 11,758 $ 4,895 $ 31,301 $ 47,954 $ 393,149 $ 441,103 $ 8,630 $ 22,671 [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. December 31, 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 $ - $ - $ - $ - $ 5,818 5,818 $ - $ - CRE owner occupied - - - - 5,993 5,993 - - Commercial and industrial - - - - 684 684 - - Mortgage - - 736 736 790 1,526 - 736 Consumer: Personal 11 5 98 114 232 346 15 83 Total $ 11 $ 5 $ 834 $ 850 $ 13,517 $ 14,367 $ 15 $ 819 [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. December 31, 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 $ - $ - $ - $ - $ 5,818 $ 5,818 $ - $ - CRE non-owner occupied - - 1,340 1,340 36,585 37,925 - 1,340 CRE owner occupied 5,509 112 2,347 7,968 183,943 191,911 - 2,347 Commercial and industrial 217 108 4,701 5,026 129,457 134,483 399 4,302 Construction - - - - 576 576 - - Mortgage 5,253 4,127 20,972 30,352 37,303 67,655 7,679 13,293 Consumer: Credit cards 491 347 630 1,468 2,896 4,364 362 268 Personal 299 206 2,145 2,650 9,982 12,632 205 1,940 Auto - - - - 83 83 - - Other - - - - 23 23 - - Total $ 11,769 $ 4,900 $ 32,135 $ 48,804 $ 406,666 $ 455,470 $ 8,645 $ 23,490 [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 year ended December 31, 2023. BPPR December 31, 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 Commercial multi-family $ - $ - $ 65 $ 65 $ - $ 65 $ - $ 65 CRE non-owner occupied - - 2,094 2,094 53,241 55,335 - 2,094 CRE owner occupied 339 - 2,267 2,606 174,248 176,854 - 2,267 Commercial and industrial 2,519 77 14,881 17,477 33,117 50,594 556 14,325 Mortgage 7,520 3,358 28,128 39,006 52,058 91,064 8,319 19,809 Consumer: Credit cards 59 51 294 404 1,110 1,514 176 118 Personal 140 - 817 957 2,557 3,514 63 754 Auto - - 15 15 103 118 - 15 Other - - - - 6 6 - - Total $ 10,577 $ 3,486 $ 48,561 $ 62,624 $ 316,440 $ 379,064 $ 9,114 $ 39,447 [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. December 31, 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 $ - $ - $ - $ - $ 74,137 $ 74,137 $ - $ - Commercial and industrial - 250 - 250 814 1,064 - - Construction - - - - 5,990 5,990 - - Mortgage - - 388 388 5,467 5,855 - 388 Consumer: Personal - - 125 125 68 193 - 125 Total $ - $ 250 $ 513 $ 763 $ 86,476 $ 87,239 $ - $ 513 [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. December 31, 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 Commercial multi-family $ - $ - $ 65 $ 65 $ - $ 65 $ - $ 65 CRE non-owner occupied - - 2,094 2,094 53,241 55,335 - 2,094 CRE owner occupied 339 - 2,267 2,606 248,385 250,991 - 2,267 Commercial and industrial 2,519 327 14,881 17,727 33,931 51,658 556 14,325 Construction - - - - 5,990 5,990 - - Mortgage 7,520 3,358 28,516 39,394 57,525 96,919 8,319 20,197 Consumer: Credit cards 59 51 294 404 1,110 1,514 176 118 Personal 140 - 942 1,082 2,625 3,707 63 879 Auto - - 15 15 103 118 - 15 Other - - - - 6 6 - - Total $ 10,577 $ 3,736 $ 49,074 $ 63,387 $ 402,916 $ 466,303 $ 9,114 $ 39,960 [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.
Financing Receivable Credit Quality Indicators | December 31, 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 $ 50,384 $ 37,211 $ 136,093 $ 20,939 $ 20,134 $ 34,009 $ 105 $ - $ 298,875 Watch - - 541 - - 1,601 - - 2,142 Special Mention - - - - - 3,161 - - 3,161 Substandard - - - - - 3,823 - - 3,823 Total commercial multi-family $ 50,384 $ 37,211 $ 136,634 $ 20,939 $ 20,134 $ 42,594 $ 105 $ - $ 308,001 Commercial real estate non-owner occupied Pass $ 419,200 $ 322,998 $ 828,404 $ 547,674 $ 335,060 $ 525,088 $ 6,159 $ - $ 2,984,583 Watch 26,097 2,296 654 5,349 28,832 50,924 72 - 114,224 Special Mention 7,018 41,274 156 406 - 46,390 - - 95,244 Substandard - 1,002 110 26,430 1,954 22,956 - - 52,452 Total commercial real estate non- owner occupied $ 452,315 $ 367,570 $ 829,324 $ 579,859 $ 365,846 $ 645,358 $ 6,231 $ - $ 3,246,503 Year-to-Date gross write-offs $ - $ - $ 69 $ - $ - $ 59 $ - $ - $ 128 Commercial real estate owner occupied Pass $ 131,449 $ 79,109 $ 94,008 $ 214,520 $ 46,206 $ 309,791 $ 7,214 $ - $ 882,297 Watch 14,002 2,637 64,735 7,225 4,890 85,580 3 - 179,072 Special Mention - 1,209 19,436 19,288 - 15,872 1,499 - 57,304 Substandard 455 1,651 20,528 3,872 140,579 77,098 13,021 - 257,204 Doubtful - - - - - 34 - - 34 Total commercial real estate owner occupied $ 145,906 $ 84,606 $ 198,707 $ 244,905 $ 191,675 $ 488,375 $ 21,737 $ - $ 1,375,911 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 2,793 $ - $ - $ 2,793 Commercial and industrial Pass $ 790,273 $ 910,355 $ 602,454 $ 304,227 $ 66,395 $ 331,493 $ 1,495,490 $ - $ 4,500,687 Watch 124,987 24,935 49,497 6,394 3,465 31,609 135,811 - 376,698 Special Mention 5,519 7,316 1,895 157,627 53 30,360 28,171 - 230,941 Substandard 6,063 30,496 37,558 4,203 14,776 23,135 122,275 - 238,506 Doubtful - - - - - 11 - - 11 Loss - - - - - - 51 - 51 Total commercial and industrial $ 926,842 $ 973,102 $ 691,404 $ 472,451 $ 84,689 $ 416,608 $ 1,781,798 $ - $ 5,346,894 Year-to-Date gross write-offs $ 1,099 $ 707 $ 331 $ 122 $ 2,838 $ 11,841 $ 7,617 $ - $ 24,555 Construction Pass $ 63,107 $ 53,070 $ 33,423 $ 14,908 $ 9,483 $ 1,011 $ 16,782 $ - $ 191,784 Watch - 13,872 - - - - - - 13,872 Special Mention - - - 6,058 - - - - 6,058 Substandard - - - 576 - - - - 576 Total construction $ 63,107 $ 66,942 $ 33,423 $ 21,542 $ 9,483 $ 1,011 $ 16,782 $ - $ 212,290 Mortgage Pass $ 879,075 $ 724,383 $ 409,133 $ 401,113 $ 234,486 $ 4,085,088 $ - $ - $ 6,733,278 Substandard - 1,961 1,331 1,675 347 71,289 - - 76,603 Total mortgage $ 879,075 $ 726,344 $ 410,464 $ 402,788 $ 234,833 $ 4,156,377 $ - $ - $ 6,809,881 Year-to-Date gross write-offs $ - $ 9 $ - $ 8 $ - $ 1,067 $ - $ - $ 1,084 December 31, 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 $ 731,053 $ 477,226 $ 362,426 $ 217,537 $ 104,812 $ 22,762 $ - $ - $ 1,915,816 Substandard 1,195 2,280 2,834 1,885 920 402 - - 9,516 Loss - - - - - 73 - - 73 Total leasing $ 732,248 $ 479,506 $ 365,260 $ 219,422 $ 105,732 $ 23,237 $ - $ - $ 1,925,405 Year-to-Date gross write-offs $ 1,733 $ 4,842 $ 5,373 $ 3,281 $ 694 $ 1,052 $ - $ - $ 16,975 Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,188,093 $ - $ 1,188,093 Substandard - - - - - - 29,960 - 29,960 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,218,053 $ - $ 1,218,053 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 69,731 $ - $ 69,731 HELOCs Pass $ - $ - $ - $ - $ - $ - $ 2,040 $ - $ 2,040 Total HELOCs $ - $ - $ - $ - $ - $ - $ 2,040 $ - $ 2,040 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 380 $ - $ 380 Personal Pass $ 722,949 $ 499,604 $ 262,011 $ 101,155 $ 29,078 $ 91,004 $ - $ 23,802 $ 1,729,603 Substandard 924 4,965 3,561 1,221 271 8,205 - 1,626 20,773 Loss - - - 1 - - - - 1 Total Personal $ 723,873 $ 504,569 $ 265,572 $ 102,377 $ 29,349 $ 99,209 $ - $ 25,428 $ 1,750,377 Year-to-Date gross write-offs $ 2,362 $ 39,193 $ 38,077 $ 10,822 $ 2,708 $ 3,525 $ - $ 1,982 $ 98,669 Auto Pass $ 1,277,016 $ 938,769 $ 665,431 $ 494,529 $ 254,621 $ 133,054 $ - $ - $ 3,763,420 Substandard 7,239 16,876 13,579 10,775 6,377 5,131 - - 59,977 Loss 14 15 - 2 - 9 - - 40 Total Auto $ 1,284,269 $ 955,660 $ 679,010 $ 505,306 $ 260,998 $ 138,194 $ - $ - $ 3,823,437 Year-to-Date gross write-offs $ 11,229 $ 36,992 $ 20,486 $ 9,997 $ 4,965 $ 1,731 $ - $ - $ 85,400 Other consumer Pass $ 28,543 $ 29,585 $ 20,021 $ 10,129 $ 4,588 $ 3,364 $ 62,678 $ - $ 158,908 Substandard - 228 44 - 29 57 413 - 771 Loss - - - 550 - - - - 550 Total Other consumer $ 28,543 $ 29,813 $ 20,065 $ 10,679 $ 4,617 $ 3,421 $ 63,091 $ - $ 160,229 Year-to-Date gross write-offs $ 29 $ 213 $ 130 $ 96 $ 128 $ 2,205 $ - $ - $ 2,801 Total BPPR $ 5,286,562 $ 4,225,323 $ 3,629,863 $ 2,580,268 $ 1,307,356 $ 6,014,384 $ 3,109,837 $ 25,428 $ 26,179,021 December 31, 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 $ 139,370 $ 148,423 $ 491,750 $ 313,610 $ 207,327 $ 560,891 $ 5,700 $ - $ 1,867,071 Watch - 10,974 27,441 26,679 10,668 114,419 - - 190,181 Special Mention - - 8,004 - - - - - 8,004 Substandard - - 2,761 - - 23,602 - - 26,363 Total commercial multi-family $ 139,370 $ 159,397 $ 529,956 $ 340,289 $ 217,995 $ 698,912 $ 5,700 $ - $ 2,091,619 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 441 $ - $ - $ 441 Commercial real estate non-owner occupied Pass $ 178,355 $ 368,597 $ 480,055 $ 167,839 $ 193,309 $ 456,689 $ 8,588 $ - $ 1,853,432 Watch - 12,932 17,125 13,138 45,864 64,390 300 - 153,749 Special Mention - - - - - 594 - - 594 Substandard - - 2,657 2,741 5,758 97,801 - - 108,957 Total commercial real estate non-owner occupied $ 178,355 $ 381,529 $ 499,837 $ 183,718 $ 244,931 $ 619,474 $ 8,888 $ - $ 2,116,732 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 54 $ - $ - $ 54 Commercial real estate owner occupied Pass $ 304,778 $ 257,586 $ 244,811 $ 279,419 $ 35,459 $ 246,158 $ 7,669 $ - $ 1,375,880 Watch - 25,614 13,531 32,132 16,301 54,877 - - 142,455 Special Mention - 488 69,505 34,428 27,406 10,825 - - 142,652 Substandard - - 17,101 2,596 3,678 97,473 - - 120,848 Total commercial real estate owner occupied $ 304,778 $ 283,688 $ 344,948 $ 348,575 $ 82,844 $ 409,333 $ 7,669 $ - $ 1,781,835 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 154 $ - $ - $ 154 Commercial and industrial Pass $ 260,479 $ 275,971 $ 318,564 $ 322,697 $ 268,591 $ 506,973 $ 273,222 $ - $ 2,226,497 Watch - 11,420 48,953 28,138 9,521 35,498 15,050 - 148,580 Special Mention 58 - 5,270 568 - 255 3,835 - 9,986 Substandard 2,276 - - 195 45 1,610 5,479 - 9,605 Total commercial and industrial $ 262,813 $ 287,391 $ 372,787 $ 351,598 $ 278,157 $ 544,336 $ 297,586 $ - $ 2,394,668 Year-to-Date gross write-offs $ 1,103 $ 1,571 $ 190 $ 300 $ 211 $ 480 $ 123 $ - $ 3,978 Construction Pass $ 259,194 $ 512,428 $ 155,268 $ - $ - $ 765 $ - $ - $ 927,655 Watch - 1,541 36,264 - - 7,172 24,691 - 69,668 Special Mention - 4,897 6,367 - - - - - 11,264 Substandard - - 8,104 - - 25,473 9,338 - 42,915 Total construction $ 259,194 $ 518,866 $ 206,003 $ - $ - $ 33,410 $ 34,029 $ - $ 1,051,502 Mortgage Pass $ 98,345 $ 88,788 $ 215,600 $ 272,908 $ 216,025 $ 382,746 $ - $ - $ 1,274,412 Substandard - 644 106 860 - 28,280 - - 29,890 Total mortgage $ 98,345 $ 89,432 $ 215,706 $ 273,768 $ 216,025 $ 411,026 $ - $ - $ 1,304,302 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 December 31, 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 $ - $ - $ - $ - $ - $ - $ 26 $ - $ 26 Total credit cards $ - $ - $ - $ - $ - $ - $ 26 $ - $ 26 HELOCs Pass $ - $ - $ - $ - $ - $ 5,914 $ 50,533 $ 11,691 $ 68,138 Substandard - - - - - 1,657 15 700 2,372 Loss - - - - - 122 - 899 1,021 Total HELOCs $ - $ - $ - $ - $ - $ 7,693 $ 50,548 $ 13,290 $ 71,531 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 53 $ - $ 53 Personal Pass $ 28,083 $ 23,084 $ 41,182 $ 8,618 $ 651 $ 1,507 $ - $ - $ 103,125 Substandard 157 399 627 134 7 302 - - 1,626 Loss 53 10 - 5 - 48 - - 116 Total Personal $ 28,293 $ 23,493 $ 41,809 $ 8,757 $ 658 $ 1,857 $ - $ - $ 104,867 Year-to-Date gross write-offs $ 802 $ 4,536 $ 10,869 $ 2,458 $ 231 $ 307 $ - $ - $ 19,203 Other consumer Pass $ - $ - $ - $ - $ - $ - $ 11,537 $ - $ 11,537 Substandard - - - - - - 12 - 12 Total Other consumer $ - $ - $ - $ - $ - $ - $ 11,549 $ - $ 11,549 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 101 $ - $ 101 Total Popular U.S. $ 1,271,148 $ 1,743,796 $ 2,211,046 $ 1,506,705 $ 1,040,610 $ 2,726,041 $ 415,995 $ 13,290 $ 10,928,631 December 31, 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 $ 189,754 $ 185,634 $ 627,843 $ 334,549 $ 227,461 $ 594,900 $ 5,805 $ - $ 2,165,946 Watch - 10,974 27,982 26,679 10,668 116,020 - - 192,323 Special Mention - - 8,004 - - 3,161 - - 11,165 Substandard - - 2,761 - - 27,425 - - 30,186 Total commercial multi-family $ 189,754 $ 196,608 $ 666,590 $ 361,228 $ 238,129 $ 741,506 $ 5,805 $ - $ 2,399,620 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 441 $ - $ - $ 441 Commercial real estate non-owner occupied Pass $ 597,555 $ 691,595 $ 1,308,459 $ 715,513 $ 528,369 $ 981,777 $ 14,747 $ - $ 4,838,015 Watch 26,097 15,228 17,779 18,487 74,696 115,314 372 - 267,973 Special Mention 7,018 41,274 156 406 - 46,984 - - 95,838 Substandard - 1,002 2,767 29,171 7,712 120,757 - - 161,409 Total commercial real estate non- owner occupied $ 630,670 $ 749,099 $ 1,329,161 $ 763,577 $ 610,777 $ 1,264,832 $ 15,119 $ - $ 5,363,235 Year-to-Date gross write-offs $ - $ - $ 69 $ - $ - $ 113 $ - $ - $ 182 Commercial real estate owner occupied Pass $ 436,227 $ 336,695 $ 338,819 $ 493,939 $ 81,665 $ 555,949 $ 14,883 $ - $ 2,258,177 Watch 14,002 28,251 78,266 39,357 21,191 140,457 3 - 321,527 Special Mention - 1,697 88,941 53,716 27,406 26,697 1,499 - 199,956 Substandard 455 1,651 37,629 6,468 144,257 174,571 13,021 - 378,052 Doubtful - - - - - 34 - - 34 Total commercial real estate owner occupied $ 450,684 $ 368,294 $ 543,655 $ 593,480 $ 274,519 $ 897,708 $ 29,406 $ - $ 3,157,746 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 2,947 $ - $ - $ 2,947 Commercial and industrial Pass $ 1,050,752 $ 1,186,326 $ 921,018 $ 626,924 $ 334,986 $ 838,466 $ 1,768,712 $ - $ 6,727,184 Watch 124,987 36,355 98,450 34,532 12,986 67,107 150,861 - 525,278 Special Mention 5,577 7,316 7,165 158,195 53 30,615 32,006 - 240,927 Substandard 8,339 30,496 37,558 4,398 14,821 24,745 127,754 - 248,111 Doubtful - - - - - 11 - - 11 Loss - - - - - - 51 - 51 Total commercial and industrial $ 1,189,655 $ 1,260,493 $ 1,064,191 $ 824,049 $ 362,846 $ 960,944 $ 2,079,384 $ - $ 7,741,562 Year-to-Date gross write-offs $ 2,202 $ 2,278 $ 521 $ 422 $ 3,049 $ 12,321 $ 7,740 $ - $ 28,533 December 31, 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 $ 322,301 $ 565,498 $ 188,691 $ 14,908 $ 9,483 $ 1,776 $ 16,782 $ - $ 1,119,439 Watch - 15,413 36,264 - - 7,172 24,691 - 83,540 Special Mention - 4,897 6,367 6,058 - - - - 17,322 Substandard - - 8,104 576 - 25,473 9,338 - 43,491 Total construction $ 322,301 $ 585,808 $ 239,426 $ 21,542 $ 9,483 $ 34,421 $ 50,811 $ - $ 1,263,792 Mortgage Pass $ 977,420 $ 813,171 $ 624,733 $ 674,021 $ 450,511 $ 4,467,834 $ - $ - $ 8,007,690 Substandard - 2,605 1,437 2,535 347 99,569 - - 106,493 Total mortgage $ 977,420 $ 815,776 $ 626,170 $ 676,556 $ 450,858 $ 4,567,403 $ - $ - $ 8,114,183 Year-to-Date gross write-offs $ - $ 9 $ - $ 8 $ - $ 1,085 $ - $ - $ 1,102 Leasing Pass $ 731,053 $ 477,226 $ 362,426 $ 217,537 $ 104,812 $ 22,762 $ - $ - $ 1,915,816 Substandard 1,195 2,280 2,834 1,885 920 402 - - 9,516 Loss - - - - - 73 - - 73 Total leasing $ 732,248 $ 479,506 $ 365,260 $ 219,422 $ 105,732 $ 23,237 $ - $ - $ 1,925,405 Year-to-Date gross write-offs $ 1,733 $ 4,842 $ 5,373 $ 3,281 $ 694 $ 1,052 $ - $ - $ 16,975 December 31, 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 $ - $ - $ - $ - $ - $ - $ 1,188,119 $ - $ 1,188,119 Substandard - - - - - - 29,960 - 29,960 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,218,079 $ - $ 1,218,079 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 69,731 $ - $ 69,731 HELOCs Pass $ - $ - $ - $ - $ - $ 5,914 $ 52,573 $ 11,691 $ 70,178 Substandard - - - - - 1,657 15 700 2,372 Loss - - - - - 122 - 899 1,021 Total HELOCs $ - $ - $ - $ - $ - $ 7,693 $ 52,588 $ 13,290 $ 73,571 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 433 $ - $ 433 Personal Pass $ 751,032 $ 522,688 $ 303,193 $ 109,773 $ 29,729 $ 92,511 $ - $ 23,802 $ 1,832,728 Substandard 1,081 5,364 4,188 1,355 278 8,507 - 1,626 22,399 Loss 53 10 - 6 - 48 - - 117 Total Personal $ 752,166 $ 528,062 $ 307,381 $ 111,134 $ 30,007 $ 101,066 $ - $ 25,428 $ 1,855,244 Year-to-Date gross write-offs $ 3,164 $ 43,729 $ 48,946 $ 13,280 $ 2,939 $ 3,832 $ - $ 1,982 $ 117,872 Auto Pass $ 1,277,016 $ 938,769 $ 665,431 $ 494,529 $ 254,621 $ 133,054 $ - $ - $ 3,763,420 Substandard 7,239 16,876 13,579 10,775 6,377 5,131 - - 59,977 Loss 14 15 - 2 - 9 - - 40 Total Auto $ 1,284,269 $ 955,660 $ 679,010 $ 505,306 $ 260,998 $ 138,194 $ - $ - $ 3,823,437 Year-to-Date gross write-offs $ 11,229 $ 36,992 $ 20,486 $ 9,997 $ 4,965 $ 1,731 $ - $ - $ 85,400 Other consumer Pass $ 28,543 $ 29,585 $ 20,021 $ 10,129 $ 4,588 $ 3,364 $ 74,215 $ - $ 170,445 Substandard - 228 44 - 29 57 425 - 783 Loss - - - 550 - - - - 550 Total Other consumer $ 28,543 $ 29,813 $ 20,065 $ 10,679 $ 4,617 $ 3,421 $ 74,640 $ - $ 171,778 Year-to-Date gross write-offs $ 29 $ 213 $ 130 $ 96 $ 128 $ 2,205 $ 101 $ - $ 2,902 Total Popular Inc. $ 6,557,710 $ 5,969,119 $ 5,840,909 $ 4,086,973 $ 2,347,966 $ 8,740,425 $ 3,525,832 $ 38,718 $ 37,107,652 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

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References No definition available. + Details
Name: | bpop_FinancingReceivablesModificationTableTextBlock
Namespace Prefix: | bpop_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration