Loans (Tables) - Loans Held in Portfolio	9 Months Ended
Sep. 30, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan purchases by classes of loans	The following table presents the Corporation's loan purchases (including repurchases) for the quarters and nine months ended September 30, 2025 and 2024 by class of loans: Quarters ended September 30, Nine months ended September 30, (In thousands) 2025 2024 2025 2024 Commercial $ 40,797 $ 32,484 $ 115,683 $ 247,906 Mortgage 122,452 97,586 369,049 268,239 Ending balance $ 163,249 $ 130,070 $ 484,732 $ 516,145
Loan sales by classes of loans	The following table presents the Corporation’s whole-loan sales for the quarters and nine months ended September 30, 2025 and 2024 by class of loans: Quarters ended September 30, Nine months ended September 30, (In thousands) 2025 2024 2025 2024 Commercial $ 19,998 $ - $ 47,347 $ - Construction - - 9,338 11,656 Mortgage 11,393 9,126 26,780 32,882 Ending balance $ 31,391 $ 9,126 $ 83,465 $ 44,538
Past due financing receivables	September 30, 2025 BPPR Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP loans loans Commercial multi-family $ 1,357 $ 1 $ 174 $ 1,532 $ 300,834 $ 302,366 $ 174 $ - Commercial real estate: Non-owner occupied 17,422 292 37,043 54,757 3,247,988 3,302,745 37,043 - Owner occupied 2,004 152 25,619 27,775 1,167,509 1,195,284 25,619 - Commercial and industrial 4,237 2,032 178,224 184,493 5,567,505 5,751,998 173,245 4,979 Construction 2,898 1,691 - 4,589 299,364 303,953 - - Mortgage 252,650 118,092 314,103 684,845 6,548,261 7,233,106 139,958 174,145 Leasing 23,537 5,372 7,747 36,656 1,961,995 1,998,651 7,747 - Consumer: Credit cards 13,556 9,917 25,625 49,098 1,176,469 1,225,567 - 25,625 Home equity lines of credit - - - - 1,693 1,693 - - Personal 19,826 11,353 18,375 49,554 1,773,594 1,823,148 18,375 - Auto 107,907 21,874 49,432 179,213 3,671,740 3,850,953 49,432 - Other 2,907 245 2,195 5,347 166,980 172,327 1,776 419 Total $ 448,301 $ 171,021 $ 658,537 $ 1,277,859 $ 25,883,932 $ 27,161,791 $ 453,369 $ 205,168 September 30, 2025 Popular U.S. Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP loans loans Commercial multi-family $ - $ 2,638 $ 8,467 $ 11,105 $ 2,176,118 $ 2,187,223 $ 8,467 $ - Commercial real estate: Non-owner occupied 84 - 7,083 7,167 2,152,668 2,159,835 7,083 - Owner occupied 15,171 217 - 15,388 1,880,052 1,895,440 - - Commercial and industrial 14,949 - 1,434 16,383 2,477,258 2,493,641 1,246 188 Construction - - - - 1,300,659 1,300,659 - - Mortgage 1,298 4,988 27,809 34,095 1,291,207 1,325,302 27,809 - Consumer: Home equity lines of credit 395 335 3,257 3,987 73,210 77,197 3,257 - Personal 1,006 990 941 2,937 74,240 77,177 941 - Other - - 30 30 8,863 8,893 30 - Total $ 32,903 $ 9,168 $ 49,021 $ 91,092 $ 11,434,275 $ 11,525,367 $ 48,833 $ 188 September 30, 2025 Popular, Inc. Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP [2] [3] loans loans Commercial multi-family $ 1,357 $ 2,639 $ 8,641 $ 12,637 $ 2,476,952 $ 2,489,589 $ 8,641 $ - Commercial real estate: Non-owner occupied 17,506 292 44,126 61,924 5,400,656 5,462,580 44,126 - Owner occupied 17,175 369 25,619 43,163 3,047,561 3,090,724 25,619 - Commercial and industrial 19,186 2,032 179,658 200,876 8,044,763 8,245,639 174,491 5,167 Construction 2,898 1,691 - 4,589 1,600,023 1,604,612 - - Mortgage [1] 253,948 123,080 341,912 718,940 7,839,468 8,558,408 167,767 174,145 Leasing 23,537 5,372 7,747 36,656 1,961,995 1,998,651 7,747 - Consumer: Credit cards 13,556 9,917 25,625 49,098 1,176,469 1,225,567 - 25,625 Home equity lines of credit 395 335 3,257 3,987 74,903 78,890 3,257 - Personal 20,832 12,343 19,316 52,491 1,847,834 1,900,325 19,316 - Auto 107,907 21,874 49,432 179,213 3,671,740 3,850,953 49,432 - Other 2,907 245 2,225 5,377 175,843 181,220 1,806 419 Total $ 481,204 $ 180,189 $ 707,558 $ 1,368,951 $ 37,318,207 $ 38,687,158 $ 502,202 $ 205,356 [1] At September 30, 2025, mortgage loans held-in-portfolio include $ 3 .0 billion of loans that carry certain guarantees from the FHA or the VA, for which the Corporation’s policy is to exclude them from non-performing status, of which $ 174 million are 90 days or more past due. The portfolio of guaranteed loans includes $ 49 million of residential mortgage loans in Puerto Rico that are no longer accruing interest as of September 30, 2025. The Corporation has $ 29 million in reverse mortgage loans in Puerto Rico which are guaranteed by FHA, but which are currently not accruing interest at September 30, 2025. [2] Loans held-in-portfolio are net of $ 425 million in unearned income and exclude $ 8 million in loans held-for-sale. [3] Includes $ 21.9 billion pledged to secure credit facilities and public funds that the secured parties are not permitted to sell or repledge the collateral, of which $ 7.5 billion were pledged at the Federal Home Loan Bank ("FHLB") as collateral for borrowings and $ 14.4 billion at the Federal Reserve Bank ("FRB") for discount window borrowings. As of September 30, 2025, the Corporation had an available borrowing facility with the FHLB and the discount window of FRB of $ 4.2 billion and $ 11.2 billion, respectively. December 31, 2024 BPPR Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP loans loans Commercial multi-family $ 1,491 $ 113 $ 79 $ 1,683 $ 306,318 $ 308,001 $ 79 $ - Commercial real estate: Non-owner occupied 3,103 586 6,429 10,118 3,236,385 3,246,503 6,429 - Owner occupied 11,054 808 25,258 37,120 1,338,791 1,375,911 25,258 - Commercial and industrial 5,738 2,712 23,895 32,345 5,314,549 5,346,894 19,335 4,560 Construction 1,039 - - 1,039 211,251 212,290 - - Mortgage 262,222 116,694 365,759 744,675 6,065,206 6,809,881 158,442 207,317 Leasing 23,991 6,062 9,588 39,641 1,885,764 1,925,405 9,588 - Consumer: Credit cards 17,399 11,719 29,960 59,078 1,158,975 1,218,053 - 29,960 Home equity lines of credit 16 129 - 145 1,895 2,040 - - Personal 19,503 13,005 20,269 52,777 1,697,600 1,750,377 20,269 - Auto 111,358 27,858 51,792 191,008 3,632,429 3,823,437 51,792 - Other 1,816 277 1,312 3,405 156,824 160,229 899 413 Total $ 458,730 $ 179,963 $ 534,341 $ 1,173,034 $ 25,005,987 $ 26,179,021 $ 292,091 $ 242,250 December 31, 2024 Popular U.S. Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP loans loans Commercial multi-family $ - $ 5,443 $ 8,700 $ 14,143 $ 2,077,476 $ 2,091,619 $ 8,700 $ - Commercial real estate: Non-owner occupied 6,792 - 8,015 14,807 2,101,925 2,116,732 8,015 - Owner occupied - - 5,191 5,191 1,776,644 1,781,835 5,191 - Commercial and industrial 10,336 5,323 1,938 17,597 2,377,071 2,394,668 1,748 190 Construction - - - - 1,051,502 1,051,502 - - Mortgage 18,148 5,417 29,890 53,455 1,250,847 1,304,302 29,890 - Consumer: Credit cards - - - - 26 26 - - Home equity lines of credit 530 986 3,393 4,909 66,622 71,531 3,393 - Personal 1,808 1,509 1,741 5,058 99,809 104,867 1,741 - Other 514 - 11 525 11,024 11,549 11 - Total $ 38,128 $ 18,678 $ 58,879 $ 115,685 $ 10,812,946 $ 10,928,631 $ 58,689 $ 190 December 31, 2024 Popular, Inc. Past due Past due 90 days or more 30-59 60-89 90 days Total Non-accrual Accruing (In thousands) days days or more past due Current Loans HIP [2] [3] loans loans Commercial multi-family $ 1,491 $ 5,556 $ 8,779 $ 15,826 $ 2,383,794 $ 2,399,620 $ 8,779 $ - Commercial real estate: Non-owner occupied 9,895 586 14,444 24,925 5,338,310 5,363,235 14,444 - Owner occupied 11,054 808 30,449 42,311 3,115,435 3,157,746 30,449 - Commercial and industrial 16,074 8,035 25,833 49,942 7,691,620 7,741,562 21,083 4,750 Construction 1,039 - - 1,039 1,262,753 1,263,792 - - Mortgage [1] 280,370 122,111 395,649 798,130 7,316,053 8,114,183 188,332 207,317 Leasing 23,991 6,062 9,588 39,641 1,885,764 1,925,405 9,588 - Consumer: Credit cards 17,399 11,719 29,960 59,078 1,159,001 1,218,079 - 29,960 Home equity lines of credit 546 1,115 3,393 5,054 68,517 73,571 3,393 - Personal 21,311 14,514 22,010 57,835 1,797,409 1,855,244 22,010 - Auto 111,358 27,858 51,792 191,008 3,632,429 3,823,437 51,792 - Other 2,330 277 1,323 3,930 167,848 171,778 910 413 Total $ 496,858 $ 198,641 $ 593,220 $ 1,288,719 $ 35,818,933 $ 37,107,652 $ 350,780 $ 242,440 [1] At December 31, 2024 mortgage loans held-in-portfolio include $ 2.6 billion of loans that carry certain guarantees from the FHA or the VA, for which the Corporation’s policy is to exclude them from non-performing status, of which $ 207 million are 90 days or more past due. The portfolio of guaranteed loans includes $ 65 million of residential mortgage loans in Puerto Rico that are no longer accruing interest as of December 31, 2024. The Corporation has $ 31 million in reverse mortgage loans in Puerto Rico which are guaranteed by FHA, but which are currently not accruing interest at December 31, 2024. [2] Loans held-in-portfolio are net of $ 415 million in unearned income and exclude $ 5 million in loans held-for-sale. [3] Includes $ 16.8 billion pledged to secure credit facilities and public funds that the secured parties are not permitted to sell or repledge the collateral, of which $ 7.3 billion were pledged at the FHLB as collateral for borrowings and $ 9.5 billion at the FRB for discount window borrowings. As of December 31, 2024, the Corporation had an available borrowing facility with the FHLB and the discount window of FRB of $ 3.8 billion and $ 7 .0 billion, respectively.
Financing receivable non accrual status	The following tables present the amortized cost basis of non-accrual loans as of September 30, 2025 and December 31, 2024 by class of loans: September 30, 2025 BPPR Popular U.S. Popular, Inc. (In thousands) Non-accrual with no allowance Non-accrual with allowance Non-accrual with no allowance Non-accrual with allowance Non-accrual with no allowance Non-accrual with allowance Commercial multi-family $ - $ 174 $ 8,137 $ 330 $ 8,137 $ 504 Commercial real estate non-owner occupied 34,986 2,057 6,994 89 41,980 2,146 Commercial real estate owner occupied 16,618 9,001 - - 16,618 9,001 Commercial and industrial 6,504 166,741 - 1,246 6,504 167,987 Mortgage 62,445 77,513 1,117 26,692 63,562 104,205 Leasing 602 7,145 - - 602 7,145 Consumer: HELOCs - - - 3,257 - 3,257 Personal 3,264 15,111 - 941 3,264 16,052 Auto 2,263 47,169 - - 2,263 47,169 Other 363 1,413 - 30 363 1,443 Total $ 127,045 $ 326,324 $ 16,248 $ 32,585 $ 143,293 $ 358,909 December 31, 2024 BPPR Popular U.S. Popular, Inc. (In thousands) Non-accrual with no allowance Non-accrual with allowance Non-accrual with no allowance Non-accrual with allowance Non-accrual with no allowance Non-accrual with allowance Commercial multi-family $ - $ 79 $ 8,700 $ - $ 8,700 $ 79 Commercial real estate non-owner occupied 3,450 2,979 7,115 900 10,565 3,879 Commercial real estate owner occupied 17,767 7,491 4,957 234 22,724 7,725 Commercial and industrial 9,020 10,315 - 1,748 9,020 12,063 Mortgage 66,176 92,266 1,069 28,821 67,245 121,087 Leasing 500 9,088 - - 500 9,088 Consumer: HELOCs - - - 3,393 - 3,393 Personal 2,960 17,309 - 1,741 2,960 19,050 Auto 1,992 49,800 - - 1,992 49,800 Other - 899 - 11 - 910 Total $ 101,865 $ 190,226 $ 21,841 $ 36,848 $ 123,706 $ 227,074
Collateral dependent financial assets	The following tables present the amortized cost basis of collateral-dependent loans, for which the ACL was measured based on the fair value of the collateral less cost to sell, by class of loans and type of collateral as of September 30, 2025 and December 31, 2024: September 30, 2025 (In thousands) Real Estate Auto Equipment Accounts Receivables Other Total BPPR Commercial multi-family $ 1,221 $ - $ - $ - $ - $ 1,221 Commercial real estate: Non-owner occupied 128,209 - - - - 128,209 Owner occupied 23,060 - - - - 23,060 Commercial and industrial 2,409 - 4,404 1,383 2,781 10,977 Mortgage 70,547 - - - - 70,547 Leasing - 1,597 - - - 1,597 Consumer: Personal 3,724 - - - - 3,724 Auto - 16,694 - - - 16,694 Other - 8 - - 363 371 Total BPPR $ 229,170 $ 18,299 $ 4,404 $ 1,383 $ 3,144 $ 256,400 Popular U.S. Commercial multi-family $ 13,915 $ - $ - $ - $ - $ 13,915 Commercial real estate: Non-owner occupied 65,645 - - - - 65,645 Mortgage 1,651 - - - - 1,651 Total Popular U.S. $ 81,211 $ - $ - $ - $ - $ 81,211 Popular, Inc. Commercial multi-family $ 15,136 $ - $ - $ - $ - $ 15,136 Commercial real estate: Non-owner occupied 193,854 - - - - 193,854 Owner occupied 23,060 - - - - 23,060 Commercial and industrial 2,409 - 4,404 1,383 2,781 10,977 Mortgage 72,198 - - - - 72,198 Leasing - 1,597 - - - 1,597 Consumer: Personal 3,724 - - - - 3,724 Auto - 16,694 - - - 16,694 Other - 8 - - 363 371 Total Popular, Inc. $ 310,381 $ 18,299 $ 4,404 $ 1,383 $ 3,144 $ 337,611 December 31, 2024 (In thousands) Real Estate Auto Equipment Other Total BPPR Commercial multi-family $ 1,278 $ - $ - $ - $ 1,278 Commercial real estate: Non-owner occupied 145,974 - - - 145,974 Owner occupied 23,361 - - - 23,361 Commercial and industrial 2,754 - - 11,593 14,347 Construction 576 - - - 576 Mortgage 77,910 - - - 77,910 Leasing - 1,437 1 - 1,438 Consumer: Personal 3,347 - - - 3,347 Auto - 15,782 - - 15,782 Other - - - 16 16 Total BPPR $ 255,200 $ 17,219 $ 1 $ 11,609 $ 284,029 Popular U.S. Commercial multi-family $ 14,517 $ - $ - $ - $ 14,517 Commercial real estate: Non-owner occupied 7,116 - - - 7,116 Owner occupied 4,956 - - - 4,956 Commercial and industrial - - 18 1,154 1,172 Mortgage 1,430 - - - 1,430 Total Popular U.S. $ 28,019 $ - $ 18 $ 1,154 $ 29,191 Popular, Inc. Commercial multi-family $ 15,795 $ - $ - $ - $ 15,795 Commercial real estate: Non-owner occupied 153,090 - - - 153,090 Owner occupied 28,317 - - - 28,317 Commercial and industrial 2,754 - 18 12,747 15,519 Construction 576 - - - 576 Mortgage 79,340 - - - 79,340 Leasing - 1,437 1 - 1,438 Consumer: Personal 3,347 - - - 3,347 Auto - 15,782 - - 15,782 Other - - - 16 16 Total Popular, Inc. $ 283,219 $ 17,219 $ 19 $ 12,763 $ 313,220

Loans (Tables) - Loans Held in Portfolio

9 Months Ended

Sep. 30, 2025

Accounts, Notes, Loans and Financing Receivable [Line Items]

Loan purchases by classes of loans

The

following

table

presents

the

Corporation's

loan

purchases

(including

repurchases)

for

the

quarters

and

nine

months

ended

September 30, 2025 and 2024 by class of loans:

Quarters ended September 30,

Nine months ended September 30,

(In thousands)

2025

2024

2025

2024

Commercial

40,797

32,484

115,683

247,906

Mortgage

122,452

97,586

369,049

268,239

Ending balance

163,249

130,070

484,732

516,145

Loan sales by classes of loans

The following

table presents

the Corporation’s

whole-loan sales for

the quarters

and nine months

ended September 30,

2025 and

2024 by class of loans:

Quarters ended September 30,

Nine months ended September 30,

(In thousands)

2025

2024

2025

2024

Commercial

19,998

47,347

Construction

9,338

11,656

Mortgage

11,393

9,126

26,780

32,882

Ending balance

31,391

9,126

83,465

44,538

Past due financing receivables

September 30, 2025

BPPR

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

loans

Commercial multi-family

1,357

174

1,532

300,834

302,366

174

Commercial real estate:

Non-owner occupied

17,422

292

37,043

54,757

3,247,988

3,302,745

37,043

Owner occupied

2,004

152

25,619

27,775

1,167,509

1,195,284

25,619

Commercial and industrial

4,237

2,032

178,224

184,493

5,567,505

5,751,998

173,245

4,979

Construction

2,898

1,691

4,589

299,364

303,953

Mortgage

252,650

118,092

314,103

684,845

6,548,261

7,233,106

139,958

174,145

Leasing

23,537

5,372

7,747

36,656

1,961,995

1,998,651

7,747

Consumer:

Credit cards

13,556

9,917

25,625

49,098

1,176,469

1,225,567

25,625

Home equity lines of credit

1,693

Personal

19,826

11,353

18,375

49,554

1,773,594

1,823,148

18,375

Auto

107,907

21,874

49,432

179,213

3,671,740

3,850,953

49,432

Other

2,907

245

2,195

5,347

166,980

172,327

1,776

419

Total

448,301

171,021

658,537

1,277,859

25,883,932

27,161,791

453,369

205,168

September 30, 2025

Popular U.S.

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

loans

Commercial multi-family

2,638

8,467

11,105

2,176,118

2,187,223

8,467

Commercial real estate:

Non-owner occupied

7,083

7,167

2,152,668

2,159,835

7,083

Owner occupied

15,171

217

15,388

1,880,052

1,895,440

Commercial and industrial

14,949

1,434

16,383

2,477,258

2,493,641

1,246

188

Construction

1,300,659

Mortgage

1,298

4,988

27,809

34,095

1,291,207

1,325,302

27,809

Consumer:

Home equity lines of

credit

395

335

3,257

3,987

73,210

77,197

3,257

Personal

1,006

990

941

2,937

74,240

77,177

941

Other

8,863

8,893

Total

32,903

9,168

49,021

91,092

11,434,275

11,525,367

48,833

188

September 30, 2025

Popular, Inc.

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

[2] [3]

loans

Commercial multi-family

1,357

2,639

8,641

12,637

2,476,952

2,489,589

8,641

Commercial real estate:

Non-owner occupied

17,506

292

44,126

61,924

5,400,656

5,462,580

44,126

Owner occupied

17,175

369

25,619

43,163

3,047,561

3,090,724

25,619

Commercial and industrial

19,186

2,032

179,658

200,876

8,044,763

8,245,639

174,491

5,167

Construction

2,898

1,691

4,589

1,600,023

1,604,612

Mortgage

[1]

253,948

123,080

341,912

718,940

7,839,468

8,558,408

167,767

174,145

Leasing

23,537

5,372

7,747

36,656

1,961,995

1,998,651

7,747

Consumer:

Credit cards

13,556

9,917

25,625

49,098

1,176,469

1,225,567

25,625

Home equity lines of credit

395

335

3,257

3,987

74,903

78,890

3,257

Personal

20,832

12,343

19,316

52,491

1,847,834

1,900,325

19,316

Auto

107,907

21,874

49,432

179,213

3,671,740

3,850,953

49,432

Other

2,907

245

2,225

5,377

175,843

181,220

1,806

419

Total

481,204

180,189

707,558

1,368,951

37,318,207

38,687,158

502,202

205,356

[1]

At September 30, 2025, mortgage loans held-in-portfolio

include $

.0 billion of loans that carry certain guarantees from

the FHA or the VA, for

which the Corporation’s policy is to exclude them

from non-performing status, of which $

174

million are 90 days or more past due. The portfolio

guaranteed loans includes $

million of residential mortgage loans in Puerto Rico that

are no longer accruing interest as of September 30,

2025.

The Corporation has $

million in reverse mortgage loans in Puerto Rico which

are guaranteed by FHA, but which are currently not accruing

interest at September 30, 2025.

[2]

Loans held-in-portfolio are net of $

425

million in unearned income and exclude $

million in loans held-for-sale.

[3]

Includes $

21.9

billion pledged to secure credit facilities and public funds

that the secured parties are not permitted to sell or repledge

the collateral,

of which $

7.5

billion were pledged at the Federal Home Loan Bank

("FHLB") as collateral for borrowings and $

14.4

billion at the Federal Reserve

Bank ("FRB") for discount window borrowings. As of September

30, 2025, the Corporation had an available borrowing

facility with the FHLB and

the discount window of FRB of $

4.2

billion and $

11.2

billion, respectively.

December 31, 2024

BPPR

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

loans

Commercial multi-family

1,491

113

1,683

306,318

308,001

Commercial real estate:

Non-owner occupied

3,103

586

6,429

10,118

3,236,385

3,246,503

6,429

Owner occupied

11,054

808

25,258

37,120

1,338,791

1,375,911

25,258

Commercial and industrial

5,738

2,712

23,895

32,345

5,314,549

5,346,894

19,335

4,560

Construction

1,039

211,251

212,290

Mortgage

262,222

116,694

365,759

744,675

6,065,206

6,809,881

158,442

207,317

Leasing

23,991

6,062

9,588

39,641

1,885,764

1,925,405

9,588

Consumer:

Credit cards

17,399

11,719

29,960

59,078

1,158,975

1,218,053

29,960

Home equity lines of credit

129

145

1,895

2,040

Personal

19,503

13,005

20,269

52,777

1,697,600

1,750,377

20,269

Auto

111,358

27,858

51,792

191,008

3,632,429

3,823,437

51,792

Other

1,816

277

1,312

3,405

156,824

160,229

899

413

Total

458,730

179,963

534,341

1,173,034

25,005,987

26,179,021

292,091

242,250

December 31, 2024

Popular U.S.

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

loans

Commercial multi-family

5,443

8,700

14,143

2,077,476

2,091,619

8,700

Commercial real estate:

Non-owner occupied

6,792

8,015

14,807

2,101,925

2,116,732

8,015

Owner occupied

5,191

1,776,644

1,781,835

5,191

Commercial and industrial

10,336

5,323

1,938

17,597

2,377,071

2,394,668

1,748

190

Construction

1,051,502

Mortgage

18,148

5,417

29,890

53,455

1,250,847

1,304,302

29,890

Consumer:

Credit cards

Home equity lines of credit

530

986

3,393

4,909

66,622

71,531

3,393

Personal

1,808

1,509

1,741

5,058

99,809

104,867

1,741

Other

514

525

11,024

11,549

Total

38,128

18,678

58,879

115,685

10,812,946

10,928,631

58,689

190

December 31, 2024

Popular, Inc.

Past due

Past due 90 days or more

30-59

60-89

90 days

Total

Non-accrual

Accruing

(In thousands)

days

or more

past due

Current

Loans HIP

[2] [3]

loans

Commercial multi-family

1,491

5,556

8,779

15,826

2,383,794

2,399,620

8,779

Commercial real estate:

Non-owner occupied

9,895

586

14,444

24,925

5,338,310

5,363,235

14,444

Owner occupied

11,054

808

30,449

42,311

3,115,435

3,157,746

30,449

Commercial and industrial

16,074

8,035

25,833

49,942

7,691,620

7,741,562

21,083

4,750

Construction

1,039

1,262,753

1,263,792

Mortgage

[1]

280,370

122,111

395,649

798,130

7,316,053

8,114,183

188,332

207,317

Leasing

23,991

6,062

9,588

39,641

1,885,764

1,925,405

9,588

Consumer:

Credit cards

17,399

11,719

29,960

59,078

1,159,001

1,218,079

29,960

Home equity lines of credit

546

1,115

3,393

5,054

68,517

73,571

3,393

Personal

21,311

14,514

22,010

57,835

1,797,409

1,855,244

22,010

Auto

111,358

27,858

51,792

191,008

3,632,429

3,823,437

51,792

Other

2,330

277

1,323

3,930

167,848

171,778

910

413

Total

496,858

198,641

593,220

1,288,719

35,818,933

37,107,652

350,780

242,440

[1]

At December 31, 2024 mortgage loans held-in-portfolio include

2.6

billion of loans that carry certain guarantees from the FHA

or the VA, for

which the Corporation’s policy is to exclude them

from non-performing status, of which $

207

million are 90 days or more past due. The portfolio

guaranteed loans includes $

million of residential mortgage loans in Puerto Rico that

are no longer accruing interest as of December 31,

2024.

The Corporation has $

million in reverse mortgage loans in Puerto Rico which

are guaranteed by FHA, but which are currently not accruing

interest at December 31, 2024.

[2]

Loans held-in-portfolio are net of $

415

million in unearned income and exclude $

million in loans held-for-sale.

[3]

Includes $

16.8

billion pledged to secure credit facilities and public funds

that the secured parties are not permitted to sell or repledge

the collateral,

of which $

7.3

billion were pledged at the FHLB as collateral for borrowings

and $

9.5

billion at the FRB for discount window borrowings. As

December 31, 2024, the Corporation had an available borrowing

facility with the FHLB and the discount window

of FRB of $

3.8

billion and $

billion, respectively.

Financing receivable non accrual status

The following tables present the amortized cost basis

of non-accrual loans as of September 30, 2025

and December 31, 2024 by

class of loans:

September 30, 2025

BPPR

Popular U.S.

Popular, Inc.

(In thousands)

Non-accrual

with no

allowance

Non-accrual

with

allowance

Non-accrual

with no

allowance

Non-accrual

with

allowance

Non-accrual

with no

allowance

Non-accrual

with

allowance

Commercial multi-family

174

8,137

330

8,137

504

Commercial real estate non-owner occupied

34,986

2,057

6,994

41,980

2,146

Commercial real estate owner occupied

16,618

9,001

16,618

9,001

Commercial and industrial

6,504

166,741

1,246

6,504

167,987

Mortgage

62,445

77,513

1,117

26,692

63,562

104,205

Leasing

602

7,145

602

7,145

Consumer:

HELOCs

3,257

Personal

3,264

15,111

941

3,264

16,052

Auto

2,263

47,169

2,263

47,169

Other

363

1,413

363

1,443

Total

127,045

326,324

16,248

32,585

143,293

358,909

December 31, 2024

BPPR

Popular U.S.

Popular, Inc.

(In thousands)

Non-accrual

with no

allowance

Non-accrual

with

allowance

Non-accrual

with no

allowance

Non-accrual

with

allowance

Non-accrual

with no

allowance

Non-accrual

with

allowance

Commercial multi-family

8,700

Commercial real estate non-owner occupied

3,450

2,979

7,115

900

10,565

3,879

Commercial real estate owner occupied

17,767

7,491

4,957

234

22,724

7,725

Commercial and industrial

9,020

10,315

1,748

9,020

12,063

Mortgage

66,176

92,266

1,069

28,821

67,245

121,087

Leasing

500

9,088

500

9,088

Consumer:

HELOCs

3,393

Personal

2,960

17,309

1,741

2,960

19,050

Auto

1,992

49,800

1,992

49,800

Other

899

910

Total

101,865

190,226

21,841

36,848

123,706

227,074

Collateral dependent financial assets

The following tables present the amortized cost basis

of collateral-dependent loans, for which the ACL was measured

based on the

fair value

of the

collateral less

cost to

sell, by

class of

loans and

type of

collateral as

of September

30, 2025

and December

31,

2024:

September 30, 2025

(In thousands)

Real Estate

Auto

Equipment

Accounts

Receivables

Other

Total

BPPR

Commercial multi-family

1,221

Commercial real estate:

Non-owner occupied

128,209

Owner occupied

23,060

Commercial and industrial

2,409

4,404

1,383

2,781

10,977

Mortgage

70,547

Leasing

1,597

Consumer:

Personal

3,724

Auto

16,694

Other

363

371

Total BPPR

229,170

18,299

4,404

1,383

3,144

256,400

Popular U.S.

Commercial multi-family

13,915

Commercial real estate:

Non-owner occupied

65,645

Mortgage

1,651

Total Popular U.S.

81,211

Popular, Inc.

Commercial multi-family

15,136

Commercial real estate:

Non-owner occupied

193,854

Owner occupied

23,060

Commercial and industrial

2,409

4,404

1,383

2,781

10,977

Mortgage

72,198

Leasing

1,597

Consumer:

Personal

3,724

Auto

16,694

Other

363

371

Total Popular,

Inc.

310,381

18,299

4,404

1,383

3,144

337,611

December 31, 2024

(In thousands)

Real Estate

Auto

Equipment

Other

Total

BPPR

Commercial multi-family

1,278

Commercial real estate:

Non-owner occupied

145,974

Owner occupied

23,361

Commercial and industrial

2,754

11,593

14,347

Construction

576

Mortgage

77,910

Leasing

1,437

1,438

Consumer:

Personal

3,347

Auto

15,782

Other

Total BPPR

255,200

17,219

11,609

284,029

Popular U.S.

Commercial multi-family

14,517

Commercial real estate:

Non-owner occupied

7,116

Owner occupied

4,956

Commercial and industrial

1,154

1,172

Mortgage

1,430

Total Popular U.S.

28,019

1,154

29,191

Popular, Inc.

Commercial multi-family

15,795

Commercial real estate:

Non-owner occupied

153,090

Owner occupied

28,317

Commercial and industrial

2,754

12,747

15,519

Construction

576

Mortgage

79,340

Leasing

1,437

1,438

Consumer:

Personal

3,347

Auto

15,782

Other

Total Popular,

Inc.

283,219

17,219

12,763

313,220