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Allowance for credit losses - loans held-in-portfolio | 3 Months Ended
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Mar. 31, 2025
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 March 31, 2025, the Corporation estimated the ACL by weighting the outputs of optimistic, baseline, and pessimistic scenarios. Prior to the first quarter of 2025, the Corporation assigned the baseline scenario the highest probability among the scenarios used to estimate the ACL, followed by the pessimistic scenario given the uncertainties in the economic outlook and downside risk, and the optimistic scenario had the lowest probability. During the first quarter of 2025, the Corporation modified the weight assigned to the pessimistic scenario to be equal to the baseline scenario in response to the current economic uncertainty, resulting in an increase of $ 18.2 million in the reserves. The weightings applied are subject to evaluation on a quarterly basis as part of the ACL’s governance process. However, lower net charge-offs and improved credit metrics in the commercial and consumer portfolios partially offset the impact of the increase in reserves related to the change in the weight assigned to the pessimistic scenarios. 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 quarters ended March 31, 2025 and 2024. For the quarter ended March 31, 2025 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 $ 2,783 $ 635 $ - $ - $ 2 $ 3,420 Commercial real estate non-owner occupied 44,852 (2,599) - (65) 660 42,848 Commercial real estate owner occupied 37,355 (1,742) - (89) 495 36,019 Commercial and industrial 130,136 (257) - (3,312) 4,840 131,407 Total Commercial 215,126 (3,963) - (3,466) 5,997 213,694 Construction 2,743 (24) - - - 2,719 Mortgage 72,901 (1,118) 9 (435) 2,932 74,289 Leasing 16,419 7,059 - (4,544) 1,272 20,206 Consumer Credit cards 99,130 13,822 - (18,865) 2,436 96,523 Home equity lines of credit 54 (108) - (25) 139 60 Personal 91,296 16,828 - (21,953) 3,615 89,786 Auto 165,995 19,471 - (21,056) 7,569 171,979 Other 7,002 723 - (880) 162 7,007 Total Consumer 363,477 50,736 - (62,779) 13,921 365,355 Total - Loans $ 670,666 $ 52,690 $ 9 $ (71,224) $ 24,122 $ 676,263 Allowance for credit losses - unfunded commitments: Commercial $ 6,725 $ 720 $ - $ - $ - $ 7,445 Construction 1,663 (103) - - - 1,560 Ending balance - unfunded commitments [1] $ 8,388 $ 617 $ - $ - $ - $ 9,005 [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 March 31, 2025 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 $ 6,453 $ 3,627 $ - $ 1 $ 10,081 Commercial real estate non-owner occupied 9,642 5,811 - - 15,453 Commercial real estate owner occupied 12,473 1,209 (12) 523 14,193 Commercial and industrial 15,870 1,477 (1,147) 222 16,422 Total Commercial 44,438 12,124 (1,159) 746 56,149 Construction 8,521 (1,728) - - 6,793 Mortgage 9,508 47 - 185 9,740 Consumer Home equity lines of credit 1,449 (136) (30) 267 1,550 Personal 11,440 2,200 (2,626) 637 11,651 Other 2 21 (29) 8 2 Total Consumer 12,891 2,085 (2,685) 912 13,203 Total - Loans $ 75,358 $ 12,528 $ (3,844) $ 1,843 $ 85,885 Allowance for credit losses - unfunded commitments: Commercial $ 1,662 $ (32) $ - $ - $ 1,630 Construction 5,409 (1,917) - - 3,492 Consumer 11 31 - - 42 Ending balance - unfunded commitments [1] $ 7,082 $ (1,918) $ - $ - $ 5,164 [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 March 31, 2025 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 $ 9,236 $ 4,262 $ - $ - $ 3 $ 13,501 Commercial real estate non-owner occupied 54,494 3,212 - (65) 660 58,301 Commercial real estate owner occupied 49,828 (533) - (101) 1,018 50,212 Commercial and industrial 146,006 1,220 - (4,459) 5,062 147,829 Total Commercial 259,564 8,161 - (4,625) 6,743 269,843 Construction 11,264 (1,752) - - - 9,512 Mortgage 82,409 (1,071) 9 (435) 3,117 84,029 Leasing 16,419 7,059 - (4,544) 1,272 20,206 Consumer Credit cards 99,130 13,822 - (18,865) 2,436 96,523 Home equity lines of credit 1,503 (244) - (55) 406 1,610 Personal 102,736 19,028 - (24,579) 4,252 101,437 Auto 165,995 19,471 - (21,056) 7,569 171,979 Other 7,004 744 - (909) 170 7,009 Total Consumer 376,368 52,821 - (65,464) 14,833 378,558 Total - Loans $ 746,024 $ 65,218 $ 9 $ (75,068) $ 25,965 $ 762,148 Allowance for credit losses - unfunded commitments: Commercial $ 8,387 $ 688 $ - $ - $ - $ 9,075 Construction 7,072 (2,020) - - - 5,052 Consumer 11 31 - - - 42 Ending balance - unfunded commitments [1] $ 15,470 $ (1,301) $ - $ - $ - $ 14,169 [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 March 31, 2024 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 $ 3,614 $ (48) $ - $ - $ 1 $ 3,567 Commercial real estate non-owner occupied 53,754 (413) - - 325 53,666 Commercial real estate owner occupied 40,637 5,147 - (2,785) 538 43,537 Commercial and industrial 107,577 376 - (6,669) 1,560 102,844 Total Commercial 205,582 5,062 - (9,454) 2,424 203,614 Construction 5,294 (2,180) - - - 3,114 Mortgage 72,440 (319) 17 (765) 5,191 76,564 Leasing 9,708 2,968 - (4,850) 1,165 8,991 Consumer Credit cards 80,487 21,640 - (16,396) 2,438 88,169 Home equity lines of credit 103 103 - (197) 93 102 Personal 101,181 20,263 - (24,349) 2,409 99,504 Auto 157,931 13,371 - (20,167) 6,321 157,456 Other 7,132 100 - (664) 240 6,808 Total Consumer 346,834 55,477 - (61,773) 11,501 352,039 Total - Loans $ 639,858 $ 61,008 $ 17 $ (76,842) $ 20,281 $ 644,322 Allowance for credit losses - unfunded commitments: Commercial $ 5,062 $ (120) $ - $ - $ - $ 4,942 Construction 1,618 (177) - - - 1,441 Ending balance - unfunded commitments [1] $ 6,680 $ (297) $ - $ - $ - $ 6,383 [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 March 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 $ (510) $ (441) $ 1 $ 9,176 Commercial real estate non-owner occupied 11,699 195 - 64 11,958 Commercial real estate owner occupied 16,227 4,019 - 24 20,270 Commercial and industrial 14,779 3,203 (564) 156 17,574 Total Commercial 52,831 6,907 (1,005) 245 58,978 Construction 7,392 633 - - 8,025 Mortgage 10,774 (925) - 25 9,874 Consumer Home equity lines of credit 1,875 (253) (7) 155 1,770 Personal 16,609 4,991 (5,712) 685 16,573 Other 2 25 (31) 6 2 Total Consumer 18,486 4,763 (5,750) 846 18,345 Total - Loans $ 89,483 $ 11,378 $ (6,755) $ 1,116 $ 95,222 Allowance for credit losses - unfunded commitments: Commercial $ 1,851 $ 691 $ - $ - $ 2,542 Construction 8,446 (609) - - 7,837 Consumer 29 (24) - - 5 Ending balance - unfunded commitments [1] $ 10,326 $ 58 $ - $ - $ 10,384 [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 March 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 $ (558) $ - $ (441) $ 2 $ 12,743 Commercial real estate non-owner occupied 65,453 (218) - - 389 65,624 Commercial real estate owner occupied 56,864 9,166 - (2,785) 562 63,807 Commercial and industrial 122,356 3,579 - (7,233) 1,716 120,418 Total Commercial 258,413 11,969 - (10,459) 2,669 262,592 Construction 12,686 (1,547) - - - 11,139 Mortgage 83,214 (1,244) 17 (765) 5,216 86,438 Leasing 9,708 2,968 - (4,850) 1,165 8,991 Consumer Credit cards 80,487 21,640 - (16,396) 2,438 88,169 Home equity lines of credit 1,978 (150) - (204) 248 1,872 Personal 117,790 25,254 - (30,061) 3,094 116,077 Auto 157,931 13,371 - (20,167) 6,321 157,456 Other 7,134 125 - (695) 246 6,810 Total Consumer 365,320 60,240 - (67,523) 12,347 370,384 Total - Loans $ 729,341 $ 72,386 $ 17 $ (83,597) $ 21,397 $ 739,544 Allowance for credit losses - unfunded commitments: Commercial $ 6,913 $ 571 $ - $ - $ - $ 7,484 Construction 10,064 (786) - - - 9,278 Consumer 29 (24) - - - 5 Ending balance - unfunded commitments [1] $ 17,006 $ (239) $ - $ - $ - $ 16,767 [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 quarter ended March 31, 2025 amounted to $ 95 million (During the year ended December 31, 2024 - $ 75 million), 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 ended March 31, 2025 and 2024. Loans modified to borrowers experiencing 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 March 31, 2025 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Commercial and industrial $ 1,272 0.02 % $ - - % $ 1,272 0.02 % Consumer: Credit cards 235 0.02 % - - % 235 0.02 % Personal 1,215 0.07 % - - % 1,215 0.07 % Other 5 - % - - % 5 - % Total $ 2,727 0.01 % $ - - % $ 2,727 0.01 % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable CRE non-owner occupied $ 1,005 0.03 % $ - - % $ 1,005 0.02 % CRE owner occupied 512 0.04 % - - % 512 0.02 % Commercial and industrial 9,372 0.18 % - - % 9,372 0.12 % Mortgage 9,971 0.14 % - - % 9,971 0.12 % Consumer: Personal 239 0.01 % 2 - % 241 0.01 % Auto 40 - % - - % 40 - % Total $ 21,139 0.08 % $ 2 - % $ 21,141 0.06 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable CRE non-owner occupied $ 4,454 0.13 % $ - - % $ 4,454 0.08 % CRE owner occupied 24,686 2.05 % - - % 24,686 0.83 % Commercial and industrial 96,529 1.84 % - - % 96,529 1.25 % Total $ 125,669 0.48 % $ - - % $ 125,669 0.34 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Mortgage $ 3,132 0.05 % $ - - % $ 3,132 0.04 % Consumer: Personal 3,209 0.18 % 43 0.05 % 3,252 0.18 % Total $ 6,341 0.02 % $ 43 - % $ 6,384 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 March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2025 % of total class of Financing Receivable Commercial and industrial $ 567 0.01 % $ - - % $ 567 0.01 % Consumer: Credit cards 2,751 0.23 % - - % 2,751 0.23 % Total $ 3,318 0.01 % $ - - % $ 3,318 0.01 % Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the quarter ended March 31, 2024 Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Commercial and industrial $ 387 0.01 % $ - - % $ 387 0.01 % Consumer: Credit cards 129 0.01 % - - % 129 0.01 % Personal 243 0.01 % - - % 243 0.01 % Total $ 759 - % $ - - % $ 759 - % Term Extension BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 36,718 1.23 % $ - - % $ 36,718 0.73 % CRE owner occupied 16,366 1.15 % - - % 16,366 0.52 % Commercial and industrial 2,494 0.05 % - - % 2,494 0.04 % Mortgage 12,979 0.20 % - - % 12,979 0.17 % Consumer: Personal 199 0.01 % 5 - % 204 0.01 % Total $ 68,756 0.28 % $ 5 - % $ 68,761 0.20 % Other-Than-Insignificant Payment Delays BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable CRE owner occupied $ 10,312 0.72 % $ - - % $ 10,312 0.33 % Commercial and industrial 5,920 0.12 % - - % 5,920 0.08 % Total $ 16,232 0.07 % $ - - % $ 16,232 0.05 % Combination - Term Extension and Interest Rate Reduction BPPR Popular U.S. Popular, Inc. (Dollars in thousands) Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable CRE non-owner occupied $ 891 0.03 % $ - - % $ 891 0.02 % Commercial and industrial 101 - % - - % 101 - % Mortgage 3,422 0.05 % 38 - % 3,460 0.04 % Consumer: Personal 1,056 0.06 % 145 0.10 % 1,201 0.06 % Total $ 5,470 0.02 % $ 183 - % $ 5,653 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 March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Amortized Cost Basis at March 31, 2024 % of total class of Financing Receivable Commercial and industrial $ 16 - % $ - - % $ 16 - % Consumer: Credit cards 315 0.03 % - - % 315 0.03 % Total $ 331 - % $ - - % $ 331 - % The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulties: For the quarter ended March 31, 2025 Interest rate reduction Loan Type Financial Effect Commercial and industrial Reduced weighted-average contractual interest rate from 25.4 % to 9.6 %. Mortgage Reduced weighted-average contractual interest rate from 6.5 % to 5.6 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 21.3 % to 8.2 %. Personal Reduced weighted-average contractual interest rate from 21.6 % to 11.7 %. 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 6 months to the life of loans. CRE Owner occupied Added a weighted-average of 3 months to the life of loans. Commercial and industrial Added a weighted-average of 1 year to the life of loans. Mortgage Added a weighted-average of 15 years to the life of loans. Consumer: Personal Added a weighted-average of 5 years to the life of loans. Auto Added a weighted-average of 3 years to the life of loans. Other than insignificant payment delays Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 10 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 13 months to the life of loans. Consumer: Credit cards Added a weighted-average of 19 months to the life of loans. For the quarter ended March 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 %. Commercial and industrial Reduced weighted-average contractual interest rate from 25.5 % to 9.8 %. Mortgage Reduced weighted-average contractual interest rate from 5.9 % to 4.5 %. Consumer: Credit cards Reduced weighted-average contractual interest rate from 21.1 % to 6.2 %. Personal Reduced weighted-average contractual interest rate from 18.1 % to 9.7 %. Term extension Loan Type Financial Effect CRE Non-owner occupied Added a weighted-average of 1 year 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 9 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 11 years to the life of loans. Other than insignificant payment delay Loan Type Financial Effect CRE Owner occupied Added a weighted-average of 12 months to the life of loans. Commercial and industrial Added a weighted-average of 8 months to the life of loans. Consumer: Credit cards Added a weighted-average of 23 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 March 31, 2025. 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 six 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 March 31, 2025 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 $ - $ - $ 451 $ 451 $ 8,571 $ 9,022 $ - $ 451 CRE owner occupied 85 113 2,137 2,335 45,631 47,966 257 1,880 Commercial and industrial 290 177 4,856 5,323 167,950 173,273 273 4,583 Mortgage 5,072 2,767 17,345 25,184 37,456 62,640 3,256 14,089 Consumer: Credit cards 699 536 845 2,080 4,690 6,770 503 342 Personal 391 129 1,887 2,407 12,584 14,991 136 1,751 Auto - - - - 119 119 - - Other - - - - 27 27 - - Total $ 6,537 $ 3,722 $ 27,521 $ 37,780 $ 277,028 $ 314,808 $ 4,425 $ 23,096 [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. March 31, 2025 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 $ - $ - $ - $ - $ 5,804 5,804 $ - $ - CRE owner occupied - - - - 5,953 5,953 - - Commercial and industrial - - - - 684 684 - - Mortgage - - 699 699 796 1,495 645 54 Consumer: - - Personal 14 - - 14 221 235 - - Total $ 14 $ - $ 699 $ 713 $ 13,458 $ 14,171 $ 645 $ 54 [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. March 31, 2025 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 $ - $ - $ - $ - $ 5,804 $ 5,804 $ - $ - CRE non-owner occupied - - 451 451 8,571 9,022 - 451 CRE owner occupied 85 113 2,137 2,335 51,584 53,919 257 1,880 Commercial and industrial 290 177 4,856 5,323 168,634 173,957 273 4,583 Mortgage 5,072 2,767 18,044 25,883 38,252 64,135 3,901 14,143 Consumer: Credit cards 699 536 845 2,080 4,690 6,770 503 342 Personal 405 129 1,887 2,421 12,805 15,226 136 1,751 Auto - - - - 119 119 - - Other - - - - 27 27 - - Total $ 6,551 $ 3,722 $ 28,220 $ 38,493 $ 290,486 $ 328,979 $ 5,070 $ 23,150 [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 twelve months preceding March 31, 2024. BPPR March 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 $ - $ - $ 65 $ 65 $ - $ 65 $ - $ 65 CRE non-owner occupied 179 3,278 2,918 6,375 60,491 66,866 - 2,918 CRE owner occupied 811 - 1,969 2,780 189,327 192,107 537 1,432 Commercial and industrial 626 - 16,492 17,118 32,511 49,629 2,774 13,718 Mortgage 5,970 3,954 23,151 33,075 49,225 82,300 3,525 19,626 Consumer: Credit cards 126 31 223 380 1,017 1,397 159 64 Personal 42 105 1,058 1,205 3,071 4,276 51 1,007 Auto - - 13 13 71 84 - 13 Other - - - - 3 3 - - Total $ 7,754 $ 7,368 $ 45,889 $ 61,011 $ 335,716 $ 396,727 $ 7,046 $ 38,843 [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. March 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 owner occupied $ - $ - $ - $ - $ 57,550 $ 57,550 $ - $ - Mortgage - - 324 324 3,403 3,727 - 324 Consumer: Personal - - 160 160 124 284 - 160 Total $ - $ - $ 484 $ 484 $ 61,077 $ 61,561 $ - $ 484 [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. March 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 $ - $ - $ 65 $ 65 $ - $ 65 $ - $ 65 CRE non-owner occupied 179 3,278 2,918 6,375 60,491 66,866 - 2,918 CRE owner occupied 811 - 1,969 2,780 246,877 249,657 537 1,432 Commercial and industrial 626 - 16,492 17,118 32,511 49,629 2,774 13,718 Mortgage 5,970 3,954 23,475 33,399 52,628 86,027 3,525 19,950 Consumer: Credit cards 126 31 223 380 1,017 1,397 159 64 Personal 42 105 1,218 1,365 3,195 4,560 51 1,167 Auto - - 13 13 71 84 - 13 Other - - - - 3 3 - - Total $ 7,754 $ 7,368 $ 46,373 $ 61,495 $ 396,793 $ 458,288 $ 7,046 $ 39,327 [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. The following tables provide 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 March 31, 2025 and 2024. Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Quarter Ended March 31, 2025 (In thousands) Interest Rate Reduction Term Extension Other-Than- Insignificant Payment Delays Combination - Term Extension and Interest Rate Reduction Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction Total CRE owner occupied $ - $ 89 $ 257 $ - $ - $ 346 Commercial and industrial 81 64 84 - 132 361 Mortgage - 4,820 - 415 - 5,235 Consumer: Credit cards 178 - - - 454 632 Personal 85 11 - 67 - 163 Total $ 344 $ 4,984 $ 341 $ 482 $ 586 $ 6,737 Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Quarter Ended March 31, 2024 (In thousands) Interest Rate Reduction Term Extension Other-Than- Insignificant Payment Delays Combination - Term Extension and Interest Rate Reduction Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction Total CRE owner occupied $ - $ 755 $ - $ - $ - $ 755 Commercial and industrial 26 14,345 256 - 16 14,643 Mortgage - 4,946 - 1,308 - 6,254 Consumer: Credit cards 63 - - - 119 182 Personal 56 - - 46 - 102 Total $ 145 $ 20,046 $ 256 $ 1,354 $ 135 $ 21,936 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 March 31, 2025 and December 31, 2024 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 8 to the Consolidated Financial Statements included in the 2024 Form 10-K: March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total BPPR Commercial: Commercial multi-family Pass $ 2,059 $ 50,123 $ 37,039 $ 135,452 $ 20,856 $ 54,261 $ 106 $ - $ 299,896 Watch - - - 537 - 989 - - 1,526 Special Mention - - - - - 3,112 - - 3,112 Substandard - - - - - 3,777 - - 3,777 Total commercial multi-family $ 2,059 $ 50,123 $ 37,039 $ 135,989 $ 20,856 $ 62,139 $ 106 $ - $ 308,311 Commercial real estate non-owner occupied Pass $ 95,918 $ 417,261 $ 300,278 $ 830,507 $ 543,212 $ 850,335 $ 7,829 $ - $ 3,045,340 Watch - 34,970 10,720 628 4,991 73,802 71 - 125,182 Special Mention - 6,048 40,975 153 - 43,954 - - 91,130 Substandard - - 997 108 26,283 24,762 - - 52,150 Total commercial real estate non- owner occupied $ 95,918 $ 458,279 $ 352,970 $ 831,396 $ 574,486 $ 992,853 $ 7,900 $ - $ 3,313,802 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 65 $ - $ - $ 65 Commercial real estate owner occupied Pass $ 13,490 $ 129,783 $ 73,452 $ 90,431 $ 200,069 $ 342,578 $ 6,475 $ - $ 856,278 Watch 525 14,746 5,589 42,372 7,120 80,004 - - 150,356 Special Mention - - 327 16,251 19,175 16,237 1,500 - 53,490 Substandard - 372 1,618 46,441 2,782 77,615 14,371 - 143,199 Doubtful - - - - - 89 - - 89 Total commercial real estate owner occupied $ 14,015 $ 144,901 $ 80,986 $ 195,495 $ 229,146 $ 516,523 $ 22,346 $ - $ 1,203,412 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 89 $ - $ - $ 89 Commercial and industrial Pass $ 171,198 $ 752,652 $ 851,512 $ 578,543 $ 255,799 $ 411,640 $ 1,352,618 $ - $ 4,373,962 Watch 1,008 121,151 24,610 9,384 53,835 37,146 68,838 - 315,972 Special Mention 34 20,330 242 295 155,514 26,102 8,843 - 211,360 Substandard 1,990 9,950 40,400 78,933 5,324 27,312 183,348 - 347,257 Doubtful - - - - - 7 - - 7 Total commercial and industrial $ 174,230 $ 904,083 $ 916,764 $ 667,155 $ 470,472 $ 502,207 $ 1,613,647 $ - $ 5,248,558 Year-to-Date gross write-offs $ 459 $ 105 $ 103 $ 286 $ 9 $ 49 $ 2,301 $ - $ 3,312 Construction Pass $ - $ 72,606 $ 64,789 $ 17,392 $ 26,023 $ 10,420 $ 18,860 $ - $ 210,090 Watch - - 14,123 - 85 - - - 14,208 Substandard - - - - 5,905 - - - 5,905 Total construction $ - $ 72,606 $ 78,912 $ 17,392 $ 32,013 $ 10,420 $ 18,860 $ - $ 230,203 Mortgage Pass $ 224,648 $ 901,941 $ 713,399 $ 401,564 $ 398,225 $ 4,231,445 $ - $ - $ 6,871,222 Substandard - - 2,830 1,154 679 70,057 - - 74,720 Total mortgage $ 224,648 $ 901,941 $ 716,229 $ 402,718 $ 398,904 $ 4,301,502 $ - $ - $ 6,945,942 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 435 $ - $ - $ 435 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total BPPR Leasing Pass $ 228,478 $ 639,652 $ 445,344 $ 333,831 $ 195,870 $ 97,636 $ - $ - $ 1,940,811 Substandard 1 1,337 2,183 2,901 1,422 868 - - 8,712 Loss - 26 65 33 58 - - - 182 Total leasing $ 228,479 $ 641,015 $ 447,592 $ 336,765 $ 197,350 $ 98,504 $ - $ - $ 1,949,705 Year-to-Date gross write-offs $ 63 $ 1,074 $ 1,804 $ 1,193 $ 390 $ 20 $ - $ - $ 4,544 Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,157,272 $ - $ 1,157,272 Substandard - - - - - - 30,487 - 30,487 Loss - - - - - - 19 - 19 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,187,778 $ - $ 1,187,778 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 18,865 $ - $ 18,865 HELOCs Pass $ - $ - $ - $ - $ - $ - $ 2,039 $ - $ 2,039 Substandard - - - - - - 18 - 18 Total HELOCs $ - $ - $ - $ - $ - $ - $ 2,057 $ - $ 2,057 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 25 $ - $ 25 Personal Pass $ 230,733 $ 638,861 $ 426,351 $ 222,351 $ 86,548 $ 106,347 $ - $ 25,909 $ 1,737,100 Substandard - 1,416 4,343 2,601 1,031 7,548 - 1,836 18,775 Total Personal $ 230,733 $ 640,277 $ 430,694 $ 224,952 $ 87,579 $ 113,895 $ - $ 27,745 $ 1,755,875 Year-to-Date gross write-offs $ - $ 2,531 $ 10,831 $ 5,733 $ 1,545 $ 722 $ - $ 591 $ 21,953 Auto Pass $ 310,339 $ 1,208,290 $ 879,573 $ 612,374 $ 446,823 $ 312,582 $ - $ - $ 3,769,981 Substandard - 9,032 13,014 10,824 8,639 8,681 - - 50,190 Loss - - 39 22 - 10 - - 71 Total Auto $ 310,339 $ 1,217,322 $ 892,626 $ 623,220 $ 455,462 $ 321,273 $ - $ - $ 3,820,242 Year-to-Date gross write-offs $ 93 $ 8,245 $ 6,435 $ 3,906 $ 1,609 $ 768 $ - $ - $ 21,056 Other consumer Pass $ 6,563 $ 27,782 $ 27,961 $ 18,066 $ 9,204 $ 5,112 $ 61,719 $ - $ 156,407 Substandard - - 226 122 - 59 334 - 741 Loss - - - 1,025 550 - - - 1,575 Total Other consumer $ 6,563 $ 27,782 $ 28,187 $ 19,213 $ 9,754 $ 5,171 $ 62,053 $ - $ 158,723 Year-to-Date gross write-offs $ - $ 81 $ 67 $ 73 $ 43 $ 616 $ - $ - $ 880 Total BPPR $ 1,286,984 $ 5,058,329 $ 3,981,999 $ 3,454,295 $ 2,476,022 $ 6,924,487 $ 2,914,747 $ 27,745 $ 26,124,608 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total Popular U.S. Commercial: Commercial multi-family Pass $ 55,455 $ 139,251 $ 158,974 $ 459,412 $ 309,039 $ 738,172 $ 7,319 $ - $ 1,867,622 Watch - - - 26,478 24,359 120,988 - - 171,825 Special Mention - - - 7,962 - - - - 7,962 Substandard - - - 2,751 - 16,444 - - 19,195 Total commercial multi-family $ 55,455 $ 139,251 $ 158,974 $ 496,603 $ 333,398 $ 875,604 $ 7,319 $ - $ 2,066,604 Commercial real estate non-owner occupied Pass $ 73,581 $ 193,766 $ 366,196 $ 492,218 $ 168,725 $ 648,337 $ 8,703 $ - $ 1,951,526 Watch 10,300 - 10,931 19,474 13,007 93,431 672 - 147,815 Special Mention - - - - - 588 - - 588 Substandard - - 1,945 13,217 2,727 108,983 - - 126,872 Total commercial real estate non-owner occupied $ 83,881 $ 193,766 $ 379,072 $ 524,909 $ 184,459 $ 851,339 $ 9,375 $ - $ 2,226,801 Commercial real estate owner occupied Pass $ 28,691 $ 273,180 $ 256,925 $ 265,337 $ 303,581 $ 276,976 $ 6,794 $ - $ 1,411,484 Watch - 13,500 25,497 9,765 10,697 70,516 - - 129,975 Special Mention - - 486 38,318 34,222 38,035 - - 111,061 Substandard - - - 16,392 2,575 81,660 - - 100,627 Total commercial real estate owner occupied $ 28,691 $ 286,680 $ 282,908 $ 329,812 $ 351,075 $ 467,187 $ 6,794 $ - $ 1,753,147 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 12 $ - $ - $ 12 Commercial and industrial Pass $ 54,125 $ 297,533 $ 297,245 $ 312,157 $ 310,980 $ 747,294 $ 274,473 $ - $ 2,293,807 Watch - - 5,345 46,344 27,306 43,679 7,557 - 130,231 Special Mention - 14 - 5,033 488 223 3,385 - 9,143 Substandard - 1,656 74 - 178 1,603 8,273 - 11,784 Total commercial and industrial $ 54,125 $ 299,203 $ 302,664 $ 363,534 $ 338,952 $ 792,799 $ 293,688 $ - $ 2,444,965 Year-to-Date gross write-offs $ - $ 531 $ - $ - $ 599 $ - $ 17 $ - $ 1,147 Construction Pass $ 60,392 $ 316,245 $ 578,233 $ 70,702 $ - $ 6,031 $ - $ - $ 1,031,603 Watch - 1,518 2,852 40,614 - 7,115 25,832 - 77,931 Special Mention - - 10,936 - - - - - 10,936 Substandard - - - 8,306 - - - - 8,306 Total construction $ 60,392 $ 317,763 $ 592,021 $ 119,622 $ - $ 13,146 $ 25,832 $ - $ 1,128,776 Mortgage Pass $ 46,877 $ 93,475 $ 88,199 $ 213,226 $ 268,875 $ 588,072 $ - $ - $ 1,298,724 Substandard - - 644 106 472 27,865 - - 29,087 Total mortgage $ 46,877 $ 93,475 $ 88,843 $ 213,332 $ 269,347 $ 615,937 $ - $ - $ 1,327,811 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total Popular U.S. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ (1) $ - $ (1) Total credit cards $ - $ - $ - $ - $ - $ - $ (1) $ - $ (1) HELOCs Pass $ - $ - $ - $ - $ - $ 5,648 $ 53,850 $ 12,123 $ 71,621 Substandard - - - - - 1,612 14 719 2,345 Loss - - - - - 125 - 961 1,086 Total HELOCs $ - $ - $ - $ - $ - $ 7,385 $ 53,864 $ 13,803 $ 75,052 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 30 $ - $ 30 Personal Pass $ 6,667 $ 24,890 $ 19,947 $ 31,888 $ 7,054 $ 1,668 $ - $ - $ 92,114 Substandard - 249 284 285 67 368 - - 1,253 Loss - 366 157 187 17 54 - - 781 Total Personal $ 6,667 $ 25,505 $ 20,388 $ 32,360 $ 7,138 $ 2,090 $ - $ - $ 94,148 Year-to-Date gross write-offs $ - $ 361 $ 455 $ 1,556 $ 241 $ 13 $ - $ - $ 2,626 Other consumer Pass $ - $ - $ - $ - $ - $ - $ 12,116 $ - $ 12,116 Substandard - - - - - - 5 - 5 Total Other consumer $ - $ - $ - $ - $ - $ - $ 12,121 $ - $ 12,121 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 29 $ - $ 29 Total Popular U.S. $ 336,088 $ 1,355,643 $ 1,824,870 $ 2,080,172 $ 1,484,369 $ 3,625,487 $ 408,992 $ 13,803 $ 11,129,424 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total Popular, Inc. Commercial: Commercial multi-family Pass $ 57,514 $ 189,374 $ 196,013 $ 594,864 $ 329,895 $ 792,433 $ 7,425 $ - $ 2,167,518 Watch - - - 27,015 24,359 121,977 - - 173,351 Special Mention - - - 7,962 - 3,112 - - 11,074 Substandard - - - 2,751 - 20,221 - - 22,972 Total commercial multi-family $ 57,514 $ 189,374 $ 196,013 $ 632,592 $ 354,254 $ 937,743 $ 7,425 $ - $ 2,374,915 Commercial real estate non-owner occupied Pass $ 169,499 $ 611,027 $ 666,474 $ 1,322,725 $ 711,937 $ 1,498,672 $ 16,532 $ - $ 4,996,866 Watch 10,300 34,970 21,651 20,102 17,998 167,233 743 - 272,997 Special Mention - 6,048 40,975 153 - 44,542 - - 91,718 Substandard - - 2,942 13,325 29,010 133,745 - - 179,022 Total commercial real estate non- owner occupied $ 179,799 $ 652,045 $ 732,042 $ 1,356,305 $ 758,945 $ 1,844,192 $ 17,275 $ - $ 5,540,603 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 65 $ - $ - $ 65 Commercial real estate owner occupied Pass $ 42,181 $ 402,963 $ 330,377 $ 355,768 $ 503,650 $ 619,554 $ 13,269 $ - $ 2,267,762 Watch 525 28,246 31,086 52,137 17,817 150,520 - - 280,331 Special Mention - - 813 54,569 53,397 54,272 1,500 - 164,551 Substandard - 372 1,618 62,833 5,357 159,275 14,371 - 243,826 Doubtful - - - - - 89 - - 89 Total commercial real estate owner occupied $ 42,706 $ 431,581 $ 363,894 $ 525,307 $ 580,221 $ 983,710 $ 29,140 $ - $ 2,956,559 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 101 $ - $ - $ 101 Commercial and industrial Pass $ 225,323 $ 1,050,185 $ 1,148,757 $ 890,700 $ 566,779 $ 1,158,934 $ 1,627,091 $ - $ 6,667,769 Watch 1,008 121,151 29,955 55,728 81,141 80,825 76,395 - 446,203 Special Mention 34 20,344 242 5,328 156,002 26,325 12,228 - 220,503 Substandard 1,990 11,606 40,474 78,933 5,502 28,915 191,621 - 359,041 Doubtful - - - - - 7 - - 7 Total commercial and industrial $ 228,355 $ 1,203,286 $ 1,219,428 $ 1,030,689 $ 809,424 $ 1,295,006 $ 1,907,335 $ - $ 7,693,523 Year-to-Date gross write-offs $ 459 $ 636 $ 103 $ 286 $ 608 $ 49 $ 2,318 $ - $ 4,459 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total Popular, Inc. Construction Pass $ 60,392 $ 388,851 $ 643,022 $ 88,094 $ 26,023 $ 16,451 $ 18,860 $ - $ 1,241,693 Watch - 1,518 16,975 40,614 85 7,115 25,832 - 92,139 Special Mention - - 10,936 - - - - - 10,936 Substandard - - - 8,306 5,905 - - - 14,211 Total construction $ 60,392 $ 390,369 $ 670,933 $ 137,014 $ 32,013 $ 23,566 $ 44,692 $ - $ 1,358,979 Mortgage Pass $ 271,525 $ 995,416 $ 801,598 $ 614,790 $ 667,100 $ 4,819,517 $ - $ - $ 8,169,946 Substandard - - 3,474 1,260 1,151 97,922 - - 103,807 Total mortgage $ 271,525 $ 995,416 $ 805,072 $ 616,050 $ 668,251 $ 4,917,439 $ - $ - $ 8,273,753 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ 435 $ - $ - $ 435 Leasing Pass $ 228,478 $ 639,652 $ 445,344 $ 333,831 $ 195,870 $ 97,636 $ - $ - $ 1,940,811 Substandard 1 1,337 2,183 2,901 1,422 868 - - 8,712 Loss - 26 65 33 58 - - - 182 Total leasing $ 228,479 $ 641,015 $ 447,592 $ 336,765 $ 197,350 $ 98,504 $ - $ - $ 1,949,705 Year-to-Date gross write-offs $ 63 $ 1,074 $ 1,804 $ 1,193 $ 390 $ 20 $ - $ - $ 4,544 March 31, 2025 Term Loans Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Loans Amortized Cost Basis Amortized Cost Basis by Origination Year (In thousands) 2025 2024 2023 2022 2021 Prior Years Total Popular, Inc. Consumer: Credit cards Pass $ - $ - $ - $ - $ - $ - $ 1,157,271 $ - $ 1,157,271 Substandard - - - - - - 30,487 - 30,487 Loss - - - - - - 19 - 19 Total credit cards $ - $ - $ - $ - $ - $ - $ 1,187,777 $ - $ 1,187,777 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 18,865 $ - $ 18,865 HELOCs Pass $ - $ - $ - $ - $ - $ 5,648 $ 55,889 $ 12,123 $ 73,660 Substandard - - - - - 1,612 32 719 2,363 Loss - - - - - 125 - 961 1,086 Total HELOCs $ - $ - $ - $ - $ - $ 7,385 $ 55,921 $ 13,803 $ 77,109 Year-to-Date gross write-offs $ - $ - $ - $ - $ - $ - $ 55 $ - $ 55 Personal Pass $ 237,400 $ 663,751 $ 446,298 $ 254,239 $ 93,602 $ 108,015 $ - $ 25,909 $ 1,829,214 Substandard - 1,665 4,627 2,886 1,098 7,916 - 1,836 20,028 Loss - 366 157 187 17 54 - - 781 Total Personal $ 237,400 $ 665,782 $ 451,082 $ 257,312 $ 94,717 $ 115,985 $ - $ 27,745 $ 1,850,023 Year-to-Date gross write-offs $ - $ 2,892 $ 11,286 $ 7,289 $ 1,786 $ 735 $ - $ 591 $ 24,579 Auto Pass $ 310,339 $ 1,208,290 $ 879,573 $ 612,374 $ 446,823 $ 312,582 $ - $ - $ 3,769,981 Substandard - 9,032 13,014 10,824 8,639 8,681 - - 50,190 Loss - - 39 22 - 10 - - 71 Total Auto $ 310,339 $ 1,217,322 $ 892,626 $ 623,220 $ 455,462 $ 321,273 $ - $ - $ 3,820,242 Year-to-Date gross write-offs $ 93 $ 8,245 $ 6,435 $ 3,906 $ 1,609 $ 768 $ - $ - $ 21,056 Other consumer Pass $ 6,563 $ 27,782 $ 27,961 $ 18,066 $ 9,204 $ 5,112 $ 73,835 $ - $ 168,523 Substandard - - 226 122 - 59 339 - 746 Loss - - - 1,025 550 - - - 1,575 Total Other consumer $ 6,563 $ 27,782 $ 28,187 $ 19,213 $ 9,754 $ 5,171 $ 74,174 $ - $ 170,844 Year-to-Date gross write-offs $ - $ 81 $ 67 $ 73 $ 43 $ 616 $ 29 $ - $ 909 Total Popular Inc. $ 1,623,072 $ 6,413,972 $ 5,806,869 $ 5,534,467 $ 3,960,391 $ 10,549,974 $ 3,323,739 $ 41,548 $ 37,254,032 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 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 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

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