Investor Presentaiton
Q3 2023 vs. Q2 2023 Business Segments
(Unaudited)
($ in millions) Financial Results
Net interest income
Provision for credit losses
Net interest income after provision for credit losses
Non-interest income
Operating expenses
Income before income tax
Income tax expense
Net income
($ in millions)
Balance Sheet Highlights
Total assets
Total loans HIP
BPPR
Popular U.S.
Q3 2023
Q2 2023
Variance
Q3 2023
Q2 2023
Variance
$ 454 $
453 $
1
$
87
$
88 $
(1)
52
29
23
(7)
8
(15)
402
424
(22)
94
4
80
14
145
144
1
6
9
Դ
$
383 $
399 $
(16)
en
84
64 $
20
164
169
(5)
16
22
(6)
41
37
4
10
5
7
(2)
$
123 $ 132 $
(9) $
11 $
15 $
(4)
Q3 2023 Q2 2023
Variance
Q3 2023 Q2 2023
Variance
53,839
$ 57,039 $ 58,392 $ (1,353)
23,729 23,087
642
55,077 (1,238)
$ 12,807 $ 12,550 $ 257
10,267
10,302
9,911
10,018
356
284
Total deposits
Asset Quality
Q3 2023
Q2 2023 Variance
Q3 2023
Q2 2023
Variance
Non-performing loans held-in-portfolio/ Total loans held-in-
portfolio
1.41%
1.52% (0.11%)
0.27%
0.33% (0.06%)
Non-performing assets/Total assets
Allowance for credit losses / Total loans held-in-portfolio
0.73%
2.63%
0.75% (0.02%)
2.58%
0.22%
0.05%
0.84%
0.27%
1.05% (0.21%)
(0.05%)
Net interest margin
3.14%
3.21%
(0.07%)
2.90%
3.01%
(0.11%)
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