Investor Presentaiton

Non-Owner Occupied CRE Highlights: Non-Owner Occupied CRE (CRE NOO) properties concentrated in retail, hotels and office space Non-Owner Occupied CRE $ in millions $5,035 ■ Office exposure is limited, representing only 1.9% of total loan portfolio and 12% of CRE NOO $4,651 $4,744 $4,517 $4,500 $2,086 $1,765 $1,838 $1,671 $1,742 Office space primarily comprised of mid-rise properties with diversified tenants across both regions. Average loan size of $2.1 million $2,846 $2,757 $2,885 $2,906 $2,949 Strong loan growth in both regions: 1.7% 1.6% 1.5% 1.5% ◉ P.R. loan balances increased $103 million YoY 1.3% ■ U.S. loan balances increased by $415 million YoY Favorable credit risk profile with low level of NCOs, NPLs, criticized and classified loans Q3 22 Q4 22 0.7% 0.6% 0.5% 0.5% Q1 23 Q2 23 0.3% Q3 23 Non-performing loans held-in-portfolio at $16 million in Q3 2023, decreasing by $7 million QoQ; NPLs to loans ratio at 0.3% in Q3 2023 Allowance for credit losses to loans held-in-portfolio at 1.33% in Q3 2023 vs. 1.51% in Q2 2023 ACL to NPLs increased to 418% in Q3 2023 P.R. U.S. NPL/Loans CRE NOO Balance by property type Special Use 2% Other 5% Industrial 5% Credit Metrics Metric Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Mixed use 5% Health Facility 7% 30-89 DPD/Loans 0.09% 0.04% 0.44% 0.03% 0.08% NPL/Loans 0.71% 0.56% 0.50% 0.49% 0.32% NCO Ratio -0.02% 0.74% -0.17% 0.03% Shelters 9% -0.02% ACL/Loans 1.75% ACL/NPL 246.09% Classified Loans/Loans 3.19% 1.59% 1.51% 284.88% 311.54% 310.98% 2.05% 1.30% 1.54% 1.33% 418.00% 1.22% 1.24% Differences due to rounding ACL/Loans Retail 34% Office Space 12% Hotels 21% 18

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