Investor Presentaiton

Driving Value Franchise Transformation Milestones Market leader in Puerto Rico ◉ ☐ Substantial liquidity with diversified deposit base Well-positioned to take advantage of ongoing economic growth Focus on customer service supported by broad branch network Differentiated digital offering Diversified fee income driven by unmatched product breadth Strong risk-adjusted loan margins driven by a well-diversified portfolio Mainland U.S. banking operation provides geographic diversification ■ Commercial led strategy directed at small and medium sized businesses National niche banking focused on homeowners' associations, healthcare and non- profit organizations Branch footprint in South Florida and New York Metro Broad-based multi-year, digital, technological and business process transformation Implement more agile and efficient business processes across the entire company Unlock opportunity for growth in our primary market and within our existing customer base In October we celebrated our 130th anniversary. Our history and legacy, which began in 1983, have made Popular a strong, vibrant organization, with deep-rooted values During the third quarter, we crossed a significant milestone in Puerto Rico, and now serve more than 2 million unique customers 13

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