Investor Presentaiton

Non-Performing Assets Q3 2023 vs Q2 2023 Variances: • NPAs and NPLs decreased by $28 million and $24 million, respectively ■ NPL inflows decreased by $6 million P.R. NPLs at $334 million, or 1.4% of loans, down by $19 million, mainly driven by lower commercial and mortgage NPLs by $16 million and $7 million, respectively, offset in part by higher consumer NPLs by $5 million U.S. NPLs at $28 million, or 0.3% of loans, down by $5 million, mostly driven by lower commercial and mortgage NPLs by $3 million each • OREOS decreased by $4 million Total NPL Inflows Non-Performing Assets $710 $633 $610 $570 $547 $529 $504 $472 $444 1.0% 0.8% 0.9% 0.8% 0.8% 0.8% 0.7% 0.7% 0.6% Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 INPLs OREO NPL HFS NPAS/Total Assets Non-Performing Loans $51 $39 $44 $35 $46 $40 $38 $40 $37 2.2% $633 $548 $520 $478 $453 $439 $412 $386 $362 1.9% 1.8% 1.6% 1.4% 1.4% 1.3% 1.2% 1.1% $20 $15 $10 $11 $12 $6 $9 $9 $6 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 U.S. Inflows P.R. Inflows I Commercial & Construction Mortgage Other NPL/Loans Dollars in millions Differences due to rounding 10

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