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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%) 16
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