Allowance for credit losses - loans held-in-portfolio (Tables)

9 Months Ended

Sep. 30, 2022

Allowance for credit losses on financing receivables

For the quarter ended September 30, 2022
Puerto Rico
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	153,547	$	3,074	$	130,030	$	19,037	$	274,889	$	580,577
	Provision for credit losses (benefit)		7,078		1,181		(11,648)		2,115		29,968		28,694
	Initial allowance for credit losses - PCD Loans		-		-		59		-		-		59
	Charge-offs		(4,818)		-		(1,720)		(2,191)		(28,480)		(37,209)
	Recoveries		5,968		-		3,885		853		8,107		18,813
Ending balance		$	161,775	$	4,255	$	120,606	$	19,814	$	284,484	$	590,934
Allowance for credit losses - unfunded commitments:
Beginning balance		$	2,032	$	1,534	$	-	$	-	$	-	$	3,566
	Provision for credit losses (benefit)		868		349		-		-		-		1,217
Ending balance - unfunded commitments [1]		$	2,900	$	1,883	$	-	$	-	$	-	$	4,783
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the quarter ended September 30, 2022
Popular U.S.
(In thousands)		Commercial		Construction		Mortgage			Consumer	Total
Allowance for credit losses - loans:
Beginning balance		$	56,083	$	3,839	$	18,275	$	22,976	$	101,173
	Provision for credit losses (benefit)		11,488		(1,895)		(370)		1,602		10,825
	Charge-offs		(720)		-		-		(1,623)		(2,343)
	Recoveries		1,231		-		23		1,253		2,507
Ending balance		$	68,082	$	1,944	$	17,928	$	24,208	$	112,162
Allowance for credit losses - unfunded commitments:
Beginning balance		$	1,317	$	1,961	$	-	$	60	$	3,338
	Provision for credit losses (benefit)		(201)		(650)		-		37		(814)
Ending balance - unfunded commitments [1]		$	1,116	$	1,311	$	-	$	97	$	2,524
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the quarter ended September 30, 2022
Popular, Inc.
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	209,630	$	6,913	$	148,305	$	19,037	$	297,865	$	681,750
	Provision for credit losses (benefit)		18,566		(714)		(12,018)		2,115		31,570		39,519
	Initial allowance for credit losses - PCD Loans		-		-		59		-		-		59
	Charge-offs		(5,538)		-		(1,720)		(2,191)		(30,103)		(39,552)
	Recoveries		7,199		-		3,908		853		9,360		21,320
Ending balance		$	229,857	$	6,199	$	138,534	$	19,814	$	308,692	$	703,096
Allowance for credit losses - unfunded commitments:
Beginning balance		$	3,349	$	3,495	$	-	$	-	$	60	$	6,904
	Provision for credit losses (benefit)		667		(301)		-		-		37		403
Ending balance - unfunded commitments [1]		$	4,016	$	3,194	$	-	$	-	$	97	$	7,307
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2022
Puerto Rico
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	151,928	$	1,641	$	138,286	$	17,578	$	284,729	$	594,162
	Provision for credit losses (benefit)		1,055		1,803		(28,129)		3,807		46,625		25,161
	Initial allowance for credit losses - PCD Loans		-		-		841		-		-		841
	Charge-offs		(6,667)		-		(4,408)		(4,094)		(72,324)		(87,493)
	Recoveries		15,459		811		14,016		2,523		25,454		58,263
Ending balance - loans		$	161,775	$	4,255	$	120,606	$	19,814	$	284,484	$	590,934
Allowance for credit losses - unfunded commitments:
Beginning balance		$	1,751	$	2,388	$	-	$	-	$	-	$	4,139
	Provision for credit losses (benefit)		1,149		(505)		-		-		-		644
Ending balance - unfunded commitments [1]		$	2,900	$	1,883	$	-	$	-	$	-	$	4,783
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2022
Popular U.S.
(In thousands)		Commercial		Construction		Mortgage		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	63,877	$	4,722	$	16,192	$	16,413	$	101,204
	Provision for credit losses (benefit)		3,204		(3,910)		1,756		8,764		9,814
	Charge-offs		(1,244)		-		(68)		(4,256)		(5,568)
	Recoveries		2,245		1,132		48		3,287		6,712
Ending balance - loans		$	68,082	$	1,944	$	17,928	$	24,208	$	112,162
Allowance for credit losses - unfunded commitments:
Beginning balance		$	1,384	$	2,337	$	-	$	37	$	3,758
	Provision for credit losses (benefit)		(268)		(1,026)		-		60		(1,234)
Ending balance - unfunded commitments [1]		$	1,116	$	1,311	$	-	$	97	$	2,524
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2022
Popular, Inc.
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	215,805	$	6,363	$	154,478	$	17,578	$	301,142	$	695,366
	Provision for credit losses (benefit)		4,259		(2,107)		(26,373)		3,807		55,389		34,975
	Initial allowance for credit losses - PCD Loans		-		-		841		-		-		841
	Charge-offs		(7,911)		-		(4,476)		(4,094)		(76,580)		(93,061)
	Recoveries		17,704		1,943		14,064		2,523		28,741		64,975
Ending balance - loans		$	229,857	$	6,199	$	138,534	$	19,814	$	308,692	$	703,096
Allowance for credit losses - unfunded commitments:
Beginning balance		$	3,135	$	4,725	$	-	$	-	$	37	$	7,897
	Provision for credit losses (benefit)		881		(1,531)		-		-		60		(590)
Ending balance - unfunded commitments [1]		$	4,016	$	3,194	$	-	$	-	$	97	$	7,307
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the quarter ended September 30, 2021
Puerto Rico
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	186,784	$	1,220	$	166,808	$	17,551	$	289,490	$	661,853
	Provision for credit losses (benefit)		(13,923)		(1,532)		(14,110)		(5,613)		(814)		(35,992)
	Initial allowance for credit losses - PCD Loans		-		-		253		-		-		253
	Charge-offs		(9,481)		(1)		(1,157)		(1,054)		(18,211)		(29,904)
	Recoveries		5,124		2,224		3,268		750		9,202		20,568
Ending balance		$	168,504	$	1,911	$	155,062	$	11,634	$	279,667	$	616,778
Allowance for credit losses - unfunded commitments:
Beginning balance		$	3,252	$	1,405	$	-	$	-	$	-	$	4,657
	Provision for credit losses		(915)		663		-		-		-		(252)
Ending balance - unfunded commitments [1]		$	2,337	$	2,068	$	-	$	-	$	-	$	4,405
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the quarter ended September 30, 2021
Popular U.S.
(In thousands)		Commercial		Construction		Mortgage		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	84,360	$	10,036	$	15,811	$	13,730	$	123,937
	Provision for credit losses (benefit)		(18,513)		(2,097)		(543)		(1,500)		(22,653)
	Charge-offs		(24)		-		(2)		(1,637)		(1,663)
	Recoveries		487		-		50		1,639		2,176
Ending balance - loans		$	66,310	$	7,939	$	15,316	$	12,232	$	101,797
Allowance for credit losses - unfunded commitments:
Beginning balance		$	1,559	$	3,672	$	-	$	48	$	5,279
	Provision for credit losses		(405)		(866)		-		(13)		(1,284)
Ending balance - unfunded commitments [1]		$	1,154	$	2,806	$	-	$	35	$	3,995
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statement of Financial Condition.

For the quarter ended September 30, 2021
Popular, Inc.
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	271,144	$	11,256	$	182,619	$	17,551	$	303,220	$	785,790
	Provision for credit losses (benefit)		(32,436)		(3,629)		(14,653)		(5,613)		(2,314)		(58,645)
	Initial allowance for credit losses - PCD Loans		-		-		253		-		-		253
	Charge-offs		(9,505)		(1)		(1,159)		(1,054)		(19,848)		(31,567)
	Recoveries		5,611		2,224		3,318		750		10,841		22,744
Ending balance		$	234,814	$	9,850	$	170,378	$	11,634	$	291,899	$	718,575
Allowance for credit losses - loans:
Beginning balance		$	4,811	$	5,077	$	-	$	-	$	48	$	9,936
	Provision for credit losses		(1,320)		(203)		-		-		(13)		(1,536)
Ending balance - unfunded commitments [1]		$	3,491	$	4,874	$	-	$	-	$	35	$	8,400
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2021
Puerto Rico
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	225,323	$	4,871	$	195,557	$	16,863	$	297,136	$	739,750
	Provision for credit losses (benefit)		(63,773)		255		(36,179)		(4,414)		5,655		(98,456)
	Initial allowance for credit losses - PCD Loans		-		-		2,811		-		-		2,811
	Charge-offs		(14,399)		(6,620)		(16,585)		(3,247)		(59,606)		(100,457)
	Recoveries		21,353		3,405		9,458		2,432		36,482		73,130
Ending balance - loans		$	168,504	$	1,911	$	155,062	$	11,634	$	279,667	$	616,778
Allowance for credit losses - unfunded commitments:
Beginning balance		$	4,913	$	4,610	$	-	$	-	$	-	$	9,523
	Provision for credit losses (benefit)		(2,576)		(2,542)		-		-		-		(5,118)
Ending balance - unfunded commitments [1]		$	2,337	$	2,068	$	-	$	-	$	-	$	4,405
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2021
Popular U.S.
(In thousands)		Commercial		Construction		Mortgage		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	108,057	$	9,366	$	20,159	$	18,918	$	156,500
	Provision for credit losses (benefit)		(42,607)		(1,334)		(5,394)		(4,133)		(53,468)
	Charge-offs		(1,097)		(523)		(3)		(7,267)		(8,890)
	Recoveries		1,957		430		554		4,714		7,655
Ending balance - loans		$	66,310	$	7,939	$	15,316	$	12,232	$	101,797
Allowance for credit losses - unfunded commitments:
Beginning balance		$	1,753	$	4,469	$	-	$	106	$	6,328
	Provision for credit losses (benefit)		(599)		(1,663)		-		(71)		(2,333)
Ending balance - unfunded commitments [1]		$	1,154	$	2,806	$	-	$	35	$	3,995
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

For the nine months ended September 30, 2021
Popular, Inc.
(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses - loans:
Beginning balance		$	333,380	$	14,237	$	215,716	$	16,863	$	316,054	$	896,250
	Provision for credit losses (benefit)		(106,380)		(1,079)		(41,573)		(4,414)		1,522		(151,924)
	Initial allowance for credit losses - PCD Loans		-		-		2,811		-		-		2,811
	Charge-offs		(15,496)		(7,143)		(16,588)		(3,247)		(66,873)		(109,347)
	Recoveries		23,310		3,835		10,012		2,432		41,196		80,785
Ending balance - loans		$	234,814	$	9,850	$	170,378	$	11,634	$	291,899	$	718,575
Allowance for credit losses - unfunded commitments:
Beginning balance		$	6,666	$	9,079	$	-	$	-	$	106	$	15,851
	Provision for credit losses (benefit)		(3,175)		(4,205)		-		-		(71)		(7,451)
Ending balance - unfunded commitments [1]		$	3,491	$	4,874	$	-	$	-	$	35	$	8,400
[1]	Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

Schedule of Trouble Debt Restructurings breakdown by Accrual and Nonaccrual Status

	September 30, 2022								December 31, 2021
(In thousands)		Accruing		Non-Accruing		Total		Related Allowance		Accruing		Non-Accruing		Total		Related Allowance
Loans held-in-portfolio:
Commercial	$	266,036	$	58,516	$	324,552	$	18,932	$	261,344	$	64,744	$	326,088	$	24,736
Mortgage[1]		1,167,237		85,764		1,253,001		59,995		1,143,204		112,509		1,255,713		61,888
Leasing		126		36		162		26		325		47		372		42
Consumer		55,149		7,776		62,925		13,877		64,093		10,556		74,649		16,124
Loans held-in-portfolio	$	1,488,548	$	152,092	$	1,640,640	$	92,830	$	1,468,966	$	187,856	$	1,656,822	$	102,790
[1] At September 30, 2022, accruing mortgage loan TDRs include $725 million guaranteed by U.S. sponsored entities at BPPR, compared to $716 million at December 31, 2021.

Troubled Debt Restructurings Loan Count By Type Of Modification

	Popular, Inc.
	For the quarter ended September 30, 2022				For the nine months ended September 30, 2022
	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other
Commercial real estate non-owner occupied	-	-	2	-	-	1	2	2
Commercial real estate owner occupied	1	3	-	2	2	9	1	2
Commercial and industrial	-	3	-	-	3	8	1	11
Mortgage	2	63	210	2	6	128	715	3
Leasing	-	-	-	-	-	-	1	-
Consumer:
Credit cards	7	-	-	10	31	-	-	32
Personal	28	4	1	-	82	60	1	1
Auto	-	-	-	-	-	1	-	-
Total	38	73	213	14	124	207	721	51

	Popular, Inc.
	For the quarter ended September 30, 2021				For the nine months ended September 30, 2021
	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other
Commercial multi-family	-	-	-	-	-	1	1	-
Commercial real estate non-owner occupied	-	-	1	-	-	9	1	-
Commercial real estate owner occupied	-	-	-	4	3	23	3	6
Commercial and industrial	1	2	-	8	2	10	-	14
Mortgage	13	35	455	4	35	114	1,273	4
Leasing	-	-	1	-	-	-	2	-
Consumer:
Credit cards	19	-	-	12	108	-	1	39
HELOCs	-	-	-	-	-	1	1	-
Personal	28	31	-	-	148	94	1	2
Auto	-	3	1	-	-	5	3	-
Other	-	-	-	1	6	-	-	1
Total	61	71	458	29	302	257	1,286	66

Troubled Debt Restructurings on Financing Receivables

Popular, Inc.
For the quarter ended September 30, 2022
(Dollars in thousands)	Loan count	Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Increase (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied	2	$	1,327	$	1,326	$	10
Commercial real estate owner occupied	6		2,488		2,471		(47)
Commercial and industrial	3		123		117		7
Mortgage	277		28,990		30,192		1,032
Consumer:
Credit cards	17		157		154		1
Personal	33		542		539		146
Total	338	$	33,627	$	34,799	$	1,149

Popular, Inc.
For the quarter ended September 30, 2021
(Dollars in thousands)	Loan count	Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Increase (decrease) in the allowance for loan losses as a result of modification
Commercial real estate non-owner occupied	1	$	166	$	173	$	21
Commercial real estate owner occupied	4		10,878		6,812		10
Commercial and industrial	11		4,750		4,236		642
Mortgage	507		67,293		60,601		1,889
Leasing	1		8		6		1
Consumer:
Credit cards	31		265		263		4
Personal	59		756		753		122
Auto	4		107		107		44
Other	1		293		291		122
Total	619	$	84,516	$	73,242	$	2,855

Popular, Inc.
For the nine months ended September 30, 2022
(Dollars in thousands)	Loan count	Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Increase (decrease) in the allowance for credit losses as a result of modification
Commercial real estate non-owner occupied	5	$	4,779	$	4,777	$	15
Commercial real estate owner occupied	14		15,594		15,567		(2,120)
Commercial and industrial	23		49,625		49,425		2,067
Mortgage	852		93,773		96,918		3,143
Leasing	1		14		12		2
Consumer:
Credit cards	63		567		599		8
Personal	144		2,223		2,297		411
Auto	1		28		28		5
Total	1,103	$	166,603	$	169,623	$	3,531

Popular, Inc.
For the nine months ended September 30, 2021
(Dollars in thousands)	Loan count	Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Increase (decrease) in the allowance for credit losses as a result of modification
Commercial multi-family	2	$	246	$	211	$	26
Commercial real estate non-owner occupied	10		3,461		3,454		162
Commercial real estate owner occupied	35		91,678		86,768		1,146
Commercial and industrial	26		5,463		4,943		707
Mortgage	1,426		173,041		171,852		5,040
Leasing	2		40		38		5
Consumer:
Credit cards	148		1,819		1,745		38
HELOCs	2		176		228		54
Personal	245		3,438		3,434		754
Auto	8		171		176		59
Other	7		304		302		124
Total	1,911	$	279,837	$	273,151	$	8,115

T D R Loans Subsequent Default

Popular, Inc.
	Defaulted during the quarter ended September 30, 2022			Defaulted during the nine months ended September 30, 2022
(Dollars in thousands)	Loan count		Recorded investment as of first default date	Loan count		Recorded investment as of first default date
Commercial real estate owner occupied	1	$	560	1	$	560
Commercial and industrial	2		1,165	5		3,661
Mortgage	35		3,500	73		9,200
Leasing	1		5	1		5
Consumer:
Credit cards	4		32	24		185
Personal	15		160	34		558
Total	58	$	5,422	138	$	14,169

Popular, Inc.
	Defaulted during the quarter ended September 30, 2021			Defaulted during the nine months ended September 30, 2021
(Dollars in thousands)	Loan count		Recorded investment as of first default date	Loan count		Recorded investment as of first default date
Commercial real estate non-owner occupied	-	$	-	4	$	8,421
Commercial real estate owner occupied	1		383	3		4,138
Commercial and industrial	-		-	5		317
Mortgage	25		2,503	72		7,514
Consumer:
Credit cards	17		202	74		914
Personal	13		158	21		603
Total	56	$	3,246	179	$	21,907

Financing Receivable Credit Quality Indicators

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Puerto Rico
	Commercial:
		Commercial multi-family
			Watch	$	-	$	-	$	-	$	-	$	-	$	2,473	$	-	$	-	$	2,473
			Special mention		-		-		-		-		-		2,140		-		-		2,140
			Substandard		-		-		-		980		-		6,079		100		-		7,159
			Pass		131,886		23,229		20,902		33,921		24,811		30,797		-		-		265,546
		Total commercial multi-family		$	131,886	$	23,229	$	20,902	$	34,901	$	24,811	$	41,489	$	100	$	-	$	277,318
		Commercial real estate non-owner occupied
			Watch	$	176	$	25,806	$	14,086	$	15,011	$	7,966	$	84,684	$	-	$	-	$	147,729
			Special Mention		-		29,504		20,439		8,115		-		19,518		-		-		77,576
			Substandard		12,368		203		-		18,891		25,754		64,026		-		-		121,242
			Pass		884,261		586,270		300,119		94,676		35,767		583,781		14,619		-		2,499,493
		Total commercial real estate non-owner occupied		$	896,805	$	641,783	$	334,644	$	136,693	$	69,487	$	752,009	$	14,619	$	-	$	2,846,040
		Commercial real estate owner occupied
			Watch	$	2,400	$	7,314	$	6,754	$	5,448	$	798	$	94,104	$	199	$	-	$	117,017
			Special Mention		11		289		1,273		6,624		1,341		72,357		-		-		81,895
			Substandard		15,720		4,690		1,293		1,136		42,248		89,144		-		-		154,231
			Doubtful		-		-		-		-		-		239		-		-		239
			Pass		147,863		267,014		290,880		47,095		58,154		407,018		16,731		-		1,234,755
		Total commercial real estate owner occupied		$	165,994	$	279,307	$	300,200	$	60,303	$	102,541	$	662,862	$	16,930	$	-	$	1,588,137

	Commercial and industrial
		Watch	$	23,095	$	62,764	$	21,348	$	21,929	$	25,020	$	54,058	$	65,716	$	-	$	273,930
		Special Mention		5,575		2,524		984		1,199		24,599		47,934		10,422		-		93,237
		Substandard		20,362		352		1,714		3,346		13,613		41,563		45,856		-		126,806
		Loss		-		-		-		-		-		-		4		-		4
		Pass		564,875		673,459		143,943		189,658		113,625		306,555		1,107,996		-		3,100,111
	Total commercial and industrial		$	613,907	$	739,099	$	167,989	$	216,132	$	176,857	$	450,110	$	1,229,994	$	-	$	3,594,088
Construction
		Watch	$	35,748	$	3,047	$	10,627	$	-	$	-	$	-	$	13,252	$	-	$	62,674
		Special Mention		858		-		-		-		-		-		-		-		858
		Pass		8,769		41,895		68,566		2,223		-		-		26,582		-		148,035
Total construction			$	45,375	$	44,942	$	79,193	$	2,223	$	-	$	-	$	39,834	$	-	$	211,567
Mortgage
		Substandard	$	-	$	-	$	1,070	$	4,409	$	4,940	$	96,176	$	-	$	-	$	106,595
		Pass		286,023		459,232		289,846		207,850		240,900		4,465,397		-		-		5,949,248
Total mortgage			$	286,023	$	459,232	$	290,916	$	212,259	$	245,840	$	4,561,573	$	-	$	-	$	6,055,843
Leasing
		Substandard	$	556	$	1,394	$	1,090	$	1,296	$	760	$	600	$	-	$	-	$	5,696
		Pass		534,225		457,662		259,076		163,179		91,252		27,414		-		-		1,532,808
Total leasing			$	534,781	$	459,056	$	260,166	$	164,475	$	92,012	$	28,014	$	-	$	-	$	1,538,504

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Puerto Rico
	Consumer:
		Credit cards
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	10,359	$	-	$	10,359
			Loss		-		-		-		-		-		-		1		-		1
			Pass		-		-		-		-		-		-		978,156		-		978,156
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	988,516	$	-	$	988,516
		HELOCs
			Pass		-		-		-		-		-		-		2,957		-		2,957
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	-	$	2,957	$	-	$	2,957
		Personal
			Substandard	$	490	$	1,898	$	626	$	2,234	$	652	$	11,378	$	-	$	1,320	$	18,598
			Loss		-		111		14		15		-		24		-		1		165
			Pass		664,517		369,894		119,562		137,584		55,757		122,396		-		29,483		1,499,193
	Total Personal			$	665,007	$	371,903	$	120,202	$	139,833	$	56,409	$	133,798	$	-	$	30,804	$	1,517,956
		Auto
			Substandard	$	2,908	$	9,394	$	9,861	$	9,568	$	5,039	$	2,669	$	-	$	-	$	39,439
			Loss		15		30		-		-		27		39		-		-		111
			Pass		937,173		1,029,958		641,076		474,675		288,185		118,287		-		-		3,489,354
	Total Auto			$	940,096	$	1,039,382	$	650,937	$	484,243	$	293,251	$	120,995	$	-	$	-	$	3,528,904
		Other consumer
			Substandard	$	-	$	-	$	104	$	-	$	559	$	4	$	11,045	$	-	$	11,712
			Loss		-		-		-		-		263		-		-		-		263
			Pass		26,497		19,555		7,129		7,085		4,715		3,259		58,236		-		126,476
	Total Other consumer			$	26,497	$	19,555	$	7,233	$	7,085	$	5,537	$	3,263	$	69,281	$	-	$	138,451
Total Puerto Rico				$	4,306,371	$	4,077,488	$	2,232,382	$	1,458,147	$	1,066,745	$	6,754,113	$	2,362,231	$	30,804	$	22,288,281

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Popular U.S.
	Commercial:
		Commercial multi-family
			Watch	$	-	$	8,482	$	42,367	$	47,254	$	12,680	$	53,890	$	-	$	-	$	164,673
			Special mention		-		-		1,204		938		16,535		9,971		-		-		28,648
			Substandard		-		-		-		66,765		7,410		5,507		-		-		79,682
			Pass		347,436		402,131		205,944		194,317		138,757		363,429		1,774		-		1,653,788
		Total commercial multi-family		$	347,436	$	410,613	$	249,515	$	309,274	$	175,382	$	432,797	$	1,774	$	-	$	1,926,791
		Commercial real estate non-owner occupied
			Watch	$	-	$	12,680	$	17,421	$	3,370	$	29,290	$	27,796	$	-	$	-	$	90,557
			Special Mention		-		-		-		1,360		-		81,021		-		-		82,381
			Substandard		-		2,883		-		12,413		795		6,783		-		-		22,874
			Pass		457,826		198,716		211,082		111,346		99,502		388,440		8,711		-		1,475,623
		Total commercial real estate non-owner occupied		$	457,826	$	214,279	$	228,503	$	128,489	$	129,587	$	504,040	$	8,711	$	-	$	1,671,435
		Commercial real estate owner occupied
			Watch	$	-	$	-	$	5,113	$	1,079	$	6,647	$	45,376	$	4,222	$	-	$	62,437
			Special Mention		-		-		-		-		5,109		2,503		-		-		7,612
			Substandard		-		-		-		7,441		6,107		41,727		-		-		55,275
			Pass		265,762		423,736		140,857		94,271		143,141		279,566		5,754		-		1,353,087
		Total commercial real estate owner occupied		$	265,762	$	423,736	$	145,970	$	102,791	$	161,004	$	369,172	$	9,976	$	-	$	1,478,411

	Commercial and industrial
		Watch	$	4,058	$	2,914	$	2,401	$	2,263	$	8,612	$	630	$	15,447	$	-	$	36,325
		Special Mention		729		1,080		6,318		288		99		-		4		-		8,518
		Substandard		455		1,195		253		4,532		606		1,837		1,865		-		10,743
		Loss		-		216		992		12		20		9		-		-		1,249
		Pass		133,809		310,446		366,778		202,325		176,612		395,049		342,785		-		1,927,804
	Total commercial and industrial		$	139,051	$	315,851	$	376,742	$	209,420	$	185,949	$	397,525	$	360,101	$	-	$	1,984,639
Construction
		Watch	$	-	$	4,176	$	-	$	6,979	$	18,310	$	34,126	$	-	$	-	$	63,591
		Special Mention		-		-		-		-		-		13,655		-		-		13,655
		Substandard		-		-		1,127		-		5,352		2,095		-		-		8,574
		Pass		67,657		169,586		136,299		124,518		10,916		9,927		-		-		518,903
Total construction			$	67,657	$	173,762	$	137,426	$	131,497	$	34,578	$	59,803	$	-	$	-	$	604,723
Mortgage
		Substandard	$	-	$	1,595	$	4,338	$	4,285	$	1,051	$	10,264	$	-	$	-	$	21,533
		Pass		186,000		307,110		245,092		189,149		58,717		248,269		-		-		1,234,337
Total mortgage			$	186,000	$	308,705	$	249,430	$	193,434	$	59,768	$	258,533	$	-	$	-	$	1,255,870

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Popular U.S.
	Consumer:
		Credit cards
			Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	34	$	-	$	34
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	34	$	-	$	34
		HELOCs
			Substandard	$	-	$	-	$	-	$	-	$	-	$	2,285	$	-	$	804	$	3,089
			Loss		-		-		-		-		-		158		-		723		881
			Pass		-		-		-		-		-		8,974		41,226		15,669		65,869
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	11,417	$	41,226	$	17,196	$	69,839
		Personal
			Substandard	$	242	$	301	$	92	$	290	$	21	$	289	$	-	$	-	$	1,235
			Loss		-		-		-		10		-		15		-		-		25
			Pass		149,856		53,759		9,475		17,527		3,009		3,179		-		-		236,805
	Total Personal			$	150,098	$	54,060	$	9,567	$	17,827	$	3,030	$	3,483	$	-	$	-	$	238,065
		Other consumer
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	12	$	-	$	12
			Pass		-		-		-		-		-		-		5,088		-		5,088
	Total Other consumer			$	-	$	-	$	-	$	-	$	-	$	-	$	5,100	$	-	$	5,100
Total Popular U.S.				$	1,613,830	$	1,901,006	$	1,397,153	$	1,092,732	$	749,298	$	2,036,770	$	426,922	$	17,196	$	9,234,907

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Popular, Inc.
	Commercial:
		Commercial multi-family
			Watch	$	-	$	8,482	$	42,367	$	47,254	$	12,680	$	56,363	$	-	$	-	$	167,146
			Special mention		-		-		1,204		938		16,535		12,111		-		-		30,788
			Substandard		-		-		-		67,745		7,410		11,586		100		-		86,841
			Pass		479,322		425,360		226,846		228,238		163,568		394,226		1,774		-		1,919,334
		Total commercial multi-family		$	479,322	$	433,842	$	270,417	$	344,175	$	200,193	$	474,286	$	1,874	$	-	$	2,204,109
		Commercial real estate non-owner occupied
			Watch	$	176	$	38,486	$	31,507	$	18,381	$	37,256	$	112,480	$	-	$	-	$	238,286
			Special Mention		-		29,504		20,439		9,475		-		100,539		-		-		159,957
			Substandard		12,368		3,086		-		31,304		26,549		70,809		-		-		144,116
			Pass		1,342,087		784,986		511,201		206,022		135,269		972,221		23,330		-		3,975,116
		Total commercial real estate non-owner occupied		$	1,354,631	$	856,062	$	563,147	$	265,182	$	199,074	$	1,256,049	$	23,330	$	-	$	4,517,475
		Commercial real estate owner occupied
			Watch	$	2,400	$	7,314	$	11,867	$	6,527	$	7,445	$	139,480	$	4,421	$	-	$	179,454
			Special Mention		11		289		1,273		6,624		6,450		74,860		-		-		89,507
			Substandard		15,720		4,690		1,293		8,577		48,355		130,871		-		-		209,506
			Doubtful		-		-		-		-		-		239		-		-		239
			Pass		413,625		690,750		431,737		141,366		201,295		686,584		22,485		-		2,587,842
		Total commercial real estate owner occupied		$	431,756	$	703,043	$	446,170	$	163,094	$	263,545	$	1,032,034	$	26,906	$	-	$	3,066,548
		Commercial and industrial
			Watch	$	27,153	$	65,678	$	23,749	$	24,192	$	33,632	$	54,688	$	81,163	$	-	$	310,255
			Special Mention		6,304		3,604		7,302		1,487		24,698		47,934		10,426		-		101,755
			Substandard		20,817		1,547		1,967		7,878		14,219		43,400		47,721		-		137,549
			Loss		-		216		992		12		20		9		4		-		1,253
			Pass		698,684		983,905		510,721		391,983		290,237		701,604		1,450,781		-		5,027,915
		Total commercial and industrial		$	752,958	$	1,054,950	$	544,731	$	425,552	$	362,806	$	847,635	$	1,590,095	$	-	$	5,578,727

September 30, 2022
			Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
			Amortized Cost Basis by Origination Year
(In thousands)				2022		2021		2020		2019		2018		Prior Years						Total
Popular, Inc.
	Construction
		Watch	$	35,748	$	7,223	$	10,627	$	6,979	$	18,310	$	34,126	$	13,252	$	-	$	126,265
		Special Mention		858		-		-		-		-		13,655		-		-		14,513
		Substandard		-		-		1,127		-		5,352		2,095		-		-		8,574
		Pass		76,426		211,481		204,865		126,741		10,916		9,927		26,582		-		666,938
	Total construction		$	113,032	$	218,704	$	216,619	$	133,720	$	34,578	$	59,803	$	39,834	$	-	$	816,290
	Mortgage
		Substandard	$	-	$	1,595	$	5,408	$	8,694	$	5,991	$	106,440	$	-	$	-	$	128,128
		Pass		472,023		766,342		534,938		396,999		299,617		4,713,666		-		-		7,183,585
	Total mortgage		$	472,023	$	767,937	$	540,346	$	405,693	$	305,608	$	4,820,106	$	-	$	-	$	7,311,713
	Leasing
		Substandard	$	556	$	1,394	$	1,090	$	1,296	$	760	$	600	$	-	$	-	$	5,696
		Pass		534,225		457,662		259,076		163,179		91,252		27,414		-		-		1,532,808
	Total leasing		$	534,781	$	459,056	$	260,166	$	164,475	$	92,012	$	28,014	$	-	$	-	$	1,538,504

September 30, 2022
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2022		2021		2020		2019		2018		Prior Years						Total
Popular, Inc.
	Consumer:
		Credit cards
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	10,359	$	-	$	10,359
			Loss		-		-		-		-		-		-		1		-		1
			Pass		-		-		-		-		-		-		978,190		-		978,190
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	988,550	$	-	$	988,550
		HELOCs
			Substandard	$	-	$	-	$	-	$	-	$	-	$	2,285	$	-	$	804	$	3,089
			Loss		-		-		-		-		-		158		-		723		881
			Pass		-		-		-		-		-		8,974		44,183		15,669		68,826
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	11,417	$	44,183	$	17,196	$	72,796
		Personal
			Substandard	$	732	$	2,199	$	718	$	2,524	$	673	$	11,667	$	-	$	1,320	$	19,833
			Loss		-		111		14		25		-		39		-		1		190
			Pass		814,373		423,653		129,037		155,111		58,766		125,575		-		29,483		1,735,998
	Total Personal			$	815,105	$	425,963	$	129,769	$	157,660	$	59,439	$	137,281	$	-	$	30,804	$	1,756,021
		Auto
			Substandard	$	2,908	$	9,394	$	9,861	$	9,568	$	5,039	$	2,669	$	-	$	-	$	39,439
			Loss		15		30		-		-		27		39		-		-		111
			Pass		937,173		1,029,958		641,076		474,675		288,185		118,287		-		-		3,489,354
	Total Auto			$	940,096	$	1,039,382	$	650,937	$	484,243	$	293,251	$	120,995	$	-	$	-	$	3,528,904
		Other consumer
			Substandard	$	-	$	-	$	104	$	-	$	559	$	4	$	11,057	$	-	$	11,724
			Loss		-		-		-		-		263		-		-		-		263
			Pass		26,497		19,555		7,129		7,085		4,715		3,259		63,324		-		131,564
	Total Other consumer			$	26,497	$	19,555	$	7,233	$	7,085	$	5,537	$	3,263	$	74,381	$	-	$	143,551
Total Popular Inc.				$	5,920,201	$	5,978,494	$	3,629,535	$	2,550,879	$	1,816,043	$	8,790,883	$	2,789,153	$	48,000	$	31,523,188

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Puerto Rico
	Commercial:
		Commercial multi-family
			Watch	$	-	$	-	$	-	$	-	$	-	$	4,485	$	-	$	-	$	4,485
			Special mention		-		-		-		-		-		3,025		-		-		3,025
			Substandard		-		-		982		-		-		6,257		100		-		7,339
			Pass		24,936		21,288		34,840		25,311		2,066		31,468		11		-		139,920
		Total commercial multi-family		$	24,936	$	21,288	$	35,822	$	25,311	$	2,066	$	45,235	$	111	$	-	$	154,769
		Commercial real estate non-owner occupied
			Watch	$	100,465	$	228,852	$	25,443	$	137,044	$	2,406	$	205,304	$	3,237	$	-	$	702,751
			Special Mention		18,509		12,563		7,271		-		4,608		24,056		-		-		67,007
			Substandard		30,155		27,790		24,200		25,456		2,770		72,407		-		-		182,778
			Pass		513,087		88,662		88,353		37,999		42,522		557,052		9,712		-		1,337,387
		Total commercial real estate non-owner occupied		$	662,216	$	357,867	$	145,267	$	200,499	$	52,306	$	858,819	$	12,949	$	-	$	2,289,923
		Commercial real estate owner occupied
			Watch	$	8,393	$	8,612	$	8,972	$	6,958	$	3,039	$	121,716	$	-	$	-	$	157,690
			Special Mention		5,573		857		7,598		1,427		2,449		103,472		-		-		121,376
			Substandard		6,960		1,028		1,646		35,529		1,869		113,288		-		-		160,320
			Doubtful		-		-		-		-		76		612		-		-		688
			Pass		238,533		198,442		44,943		23,112		32,585		429,651		16,389		-		983,655
		Total commercial real estate owner occupied		$	259,459	$	208,939	$	63,159	$	67,026	$	40,018	$	768,739	$	16,389	$	-	$	1,423,729

	Commercial and industrial
		Watch	$	186,529	$	12,542	$	21,536	$	103,835	$	14,577	$	90,776	$	108,183	$	-	$	537,978
		Special Mention		7,380		9,936		14,856		28,473		1,012		28,448		60,397		-		150,502
		Substandard		2,190		1,091		3,041		35,826		66,771		45,168		38,003		-		192,090
		Doubtful		-		-		-		-		-		62		-		-		62
		Pass		843,661		335,369		275,357		84,084		72,580		333,869		702,896		-		2,647,816
	Total commercial and industrial		$	1,039,760	$	358,938	$	314,790	$	252,218	$	154,940	$	498,323	$	909,479	$	-	$	3,528,448
Construction
		Substandard	$	-	$	-	$	485	$	-	$	-	$	-	$	-	$	-	$	485
		Pass		21,596		41,622		1,148		-		-		-		22,260		-		86,626
Total construction			$	21,596	$	41,622	$	1,633	$	-	$	-	$	-	$	22,260	$	-	$	87,111
Mortgage
		Substandard	$	-	$	954	$	5,212	$	5,613	$	4,310	$	122,690	$	-	$	-	$	138,779
		Pass		463,742		304,780		223,464		265,239		194,982		4,660,880		-		-		6,113,087
Total mortgage			$	463,742	$	305,734	$	228,676	$	270,852	$	199,292	$	4,783,570	$	-	$	-	$	6,251,866
Leasing
		Substandard	$	124	$	618	$	880	$	613	$	613	$	235	$	-	$	-	$	3,083
		Loss		-		-		-		1		16		2		-		-		19
		Pass		613,452		328,085		222,770		133,112		62,881		17,917		-		-		1,378,217
Total leasing			$	613,576	$	328,703	$	223,650	$	133,726	$	63,510	$	18,154	$	-	$	-	$	1,381,319

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Puerto Rico
	Consumer:
		Credit cards
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	8,577	$	-	$	8,577
			Pass		-		-		-		-		-		-		911,274		-		911,274
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	919,851	$	-	$	919,851
		HELOCs
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	23	$	-	$	23
			Pass		-		-		-		-		-		-		3,548		-		3,548
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	-	$	3,571	$	-	$	3,571
		Personal
			Substandard	$	426	$	610	$	2,105	$	866	$	936	$	15,680	$	-	$	1,385	$	22,008
			Loss		30		2		3		-		-		3		-		-		38
			Pass		539,604		197,652		227,328		91,341		53,630		120,065		-		36,394		1,266,014
	Total Personal			$	540,060	$	198,264	$	229,436	$	92,207	$	54,566	$	135,748	$	-	$	37,779	$	1,288,060
		Auto
			Substandard	$	3,080	$	7,520	$	9,498	$	4,739	$	2,210	$	1,422	$	-	$	-	$	28,469
			Loss		42		11		-		-		-		-		-		-		53
			Pass		1,259,800		808,339		637,300		420,293		177,104		80,829		-		-		3,383,665
	Total Auto			$	1,262,922	$	815,870	$	646,798	$	425,032	$	179,314	$	82,251	$	-	$	-	$	3,412,187
		Other consumer
			Substandard	$	-	$	114	$	21	$	487	$	-	$	135	$	11,250	$	-	$	12,007
			Loss		-		-		-		579		-		34		-		-		613
			Pass		24,845		9,781		9,348		5,610		3,914		947		57,483		-		111,928
	Total Other consumer			$	24,845	$	9,895	$	9,369	$	6,676	$	3,914	$	1,116	$	68,733	$	-	$	124,548
Total Puerto Rico				$	4,913,112	$	2,647,120	$	1,898,600	$	1,473,547	$	749,926	$	7,191,955	$	1,953,343	$	37,779	$	20,865,382

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Popular U.S.
	Commercial:
		Commercial multi-family
			Watch	$	8,600	$	41,348	$	56,229	$	20,682	$	37,343	$	48,753	$	-	$	-	$	212,955
			Special mention		-		3,752		9,013		30,244		11,071		28,297		-		-		82,377
			Substandard		-		-		67,149		12,748		-		18,644		-		-		98,541
			Pass		422,613		241,805		201,298		144,534		46,809		352,724		4,205		-		1,413,988
		Total commercial multi-family		$	431,213	$	286,905	$	333,689	$	208,208	$	95,223	$	448,418	$	4,205	$	-	$	1,807,861
		Commercial real estate non-owner occupied
			Watch	$	12,716	$	22,109	$	42,067	$	56,576	$	28,604	$	154,289	$	780	$	-	$	317,141
			Special Mention		2,939		-		3,205		7,025		10,573		15,569		-		-		39,311
			Substandard		-		756		6,405		14,544		11,384		60,323		-		-		93,412
			Pass		543,667		356,071		156,925		211,432		250,516		346,606		8,386		-		1,873,603
		Total commercial real estate non-owner occupied		$	559,322	$	378,936	$	208,602	$	289,577	$	301,077	$	576,787	$	9,166	$	-	$	2,323,467
		Commercial real estate owner occupied
			Watch	$	-	$	239	$	7,825	$	8,150	$	1,676	$	17,132	$	4,222	$	-	$	39,244
			Special Mention		-		-		-		-		-		1,800		-		-		1,800
			Substandard		-		-		1,148		2,878		-		20,841		-		-		24,867
			Pass		129,898		46,737		34,355		23,845		26,236		63,463		3,928		-		328,462
		Total commercial real estate owner occupied		$	129,898	$	46,976	$	43,328	$	34,873	$	27,912	$	103,236	$	8,150	$	-	$	394,373

	Commercial and industrial
		Watch	$	3,747	$	4,667	$	4,292	$	9,273	$	5	$	1,530	$	3,925	$	-	$	27,439
		Special Mention		2,504		7,203		670		481		59		215		8,177		-		19,309
		Substandard		537		97		4,559		495		168		1,890		159		-		7,905
		Loss		262		58		108		17		51		191		-		-		687
		Pass		273,254		339,564		211,695		191,086		115,146		339,336		284,710		-		1,754,791
	Total commercial and industrial		$	280,304	$	351,589	$	221,324	$	201,352	$	115,429	$	343,162	$	296,971	$	-	$	1,810,131
Construction
		Watch	$	-	$	14,300	$	23,547	$	28,757	$	34,205	$	-	$	-	$	-	$	100,809
		Special Mention		-		-		-		-		-		13,622		-		-		13,622
		Substandard		-		-		-		15,438		10,231		-		-		-		25,669
		Pass		130,587		136,045		165,105		13,634		36,500		7,138		-		-		489,009
Total construction			$	130,587	$	150,345	$	188,652	$	57,829	$	80,936	$	20,760	$	-	$	-	$	629,109
Mortgage
		Substandard	$	-	$	4,338	$	3,894	$	967	$	217	$	12,680	$	-	$	-	$	22,096
		Pass		326,641		266,212		215,071		61,986		6,376		276,948		-		-		1,153,234
Total mortgage			$	326,641	$	270,550	$	218,965	$	62,953	$	6,593	$	289,628	$	-	$	-	$	1,175,330

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Popular U.S.
	Consumer:
		Credit cards
			Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	10	$	-	$	10
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	10	$	-	$	10
		HELOCs
			Substandard	$	-	$	-	$	-	$	-	$	-	$	3,006	$	-	$	935	$	3,941
			Loss		-		-		-		-		-		207		-		1,258		1,465
			Pass		-		-		-		-		-		11,423		38,267		20,195		69,885
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	14,636	$	38,267	$	22,388	$	75,291
		Personal
			Substandard	$	72	$	81	$	250	$	73	$	17	$	163	$	2	$	-	$	658
			Loss		-		-		4		-		-		19		-		-		23
			Pass		75,538		19,411		43,346		7,418		2,802		5,625		124		-		154,264
	Total Personal			$	75,610	$	19,492	$	43,600	$	7,491	$	2,819	$	5,807	$	126	$	-	$	154,945
		Other consumer
			Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	4,658	$	-	$	4,658
	Total Other consumer			$	-	$	-	$	-	$	-	$	-	$	-	$	4,658	$	-	$	4,658
Total Popular U.S.				$	1,933,575	$	1,504,793	$	1,258,160	$	862,283	$	629,989	$	1,802,434	$	361,553	$	22,388	$	8,375,175

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Popular, Inc.
	Commercial:
		Commercial multi-family
			Watch	$	8,600	$	41,348	$	56,229	$	20,682	$	37,343	$	53,238	$	-	$	-	$	217,440
			Special mention		-		3,752		9,013		30,244		11,071		31,322		-		-		85,402
			Substandard		-		-		68,131		12,748		-		24,901		100		-		105,880
			Pass		447,549		263,093		236,138		169,845		48,875		384,192		4,216		-		1,553,908
		Total commercial multi-family		$	456,149	$	308,193	$	369,511	$	233,519	$	97,289	$	493,653	$	4,316	$	-	$	1,962,630
		Commercial real estate non-owner occupied
			Watch	$	113,181	$	250,961	$	67,510	$	193,620	$	31,010	$	359,593	$	4,017	$	-	$	1,019,892
			Special Mention		21,448		12,563		10,476		7,025		15,181		39,625		-		-		106,318
			Substandard		30,155		28,546		30,605		40,000		14,154		132,730		-		-		276,190
			Pass		1,056,754		444,733		245,278		249,431		293,038		903,658		18,098		-		3,210,990
		Total commercial real estate non-owner occupied		$	1,221,538	$	736,803	$	353,869	$	490,076	$	353,383	$	1,435,606	$	22,115	$	-	$	4,613,390
		Commercial real estate owner occupied
			Watch	$	8,393	$	8,851	$	16,797	$	15,108	$	4,715	$	138,848	$	4,222	$	-	$	196,934
			Special Mention		5,573		857		7,598		1,427		2,449		105,272		-		-		123,176
			Substandard		6,960		1,028		2,794		38,407		1,869		134,129		-		-		185,187
			Doubtful		-		-		-		-		76		612		-		-		688
			Pass		368,431		245,179		79,298		46,957		58,821		493,114		20,317		-		1,312,117
		Total commercial real estate owner occupied		$	389,357	$	255,915	$	106,487	$	101,899	$	67,930	$	871,975	$	24,539	$	-	$	1,818,102
		Commercial and industrial
			Watch	$	190,276	$	17,209	$	25,828	$	113,108	$	14,582	$	92,306	$	112,108	$	-	$	565,417
			Special Mention		9,884		17,139		15,526		28,954		1,071		28,663		68,574		-		169,811
			Substandard		2,727		1,188		7,600		36,321		66,939		47,058		38,162		-		199,995
			Doubtful		-		-		-		-		-		62		-		-		62
			Loss		262		58		108		17		51		191		-		-		687
			Pass		1,116,915		674,933		487,052		275,170		187,726		673,205		987,606		-		4,402,607
		Total commercial and industrial		$	1,320,064	$	710,527	$	536,114	$	453,570	$	270,369	$	841,485	$	1,206,450	$	-	$	5,338,579

December 31, 2021
			Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
			Amortized Cost Basis by Origination Year
(In thousands)				2021		2020		2019		2018		2017		Prior Years						Total
Popular, Inc.
	Construction
		Watch	$	-	$	14,300	$	23,547	$	28,757	$	34,205	$	-	$	-	$	-	$	100,809
		Special Mention		-		-		-		-		-		13,622		-		-		13,622
		Substandard		-		-		485		15,438		10,231		-		-		-		26,154
		Pass		152,183		177,667		166,253		13,634		36,500		7,138		22,260		-		575,635
	Total construction		$	152,183	$	191,967	$	190,285	$	57,829	$	80,936	$	20,760	$	22,260	$	-	$	716,220
	Mortgage
		Substandard	$	-	$	5,292	$	9,106	$	6,580	$	4,527	$	135,370	$	-	$	-	$	160,875
		Pass		790,383		570,992		438,535		327,225		201,358		4,937,828		-		-		7,266,321
	Total mortgage		$	790,383	$	576,284	$	447,641	$	333,805	$	205,885	$	5,073,198	$	-	$	-	$	7,427,196
	Leasing
		Substandard	$	124	$	618	$	880	$	613	$	613	$	235	$	-	$	-	$	3,083
		Loss		-		-		-		1		16		2		-		-		19
		Pass		613,452		328,085		222,770		133,112		62,881		17,917		-		-		1,378,217
	Total leasing		$	613,576	$	328,703	$	223,650	$	133,726	$	63,510	$	18,154	$	-	$	-	$	1,381,319

December 31, 2021
				Term Loans													Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term Loans Amortized Cost Basis
				Amortized Cost Basis by Origination Year
(In thousands)					2021		2020		2019		2018		2017		Prior Years						Total
Popular, Inc.
	Consumer:
		Credit cards
			Substandard	$	-	$	-	$	-	$	-	$	-	$	-	$	8,577	$	-	$	8,577
			Pass		-		-		-		-		-		-		911,284		-		911,284
	Total credit cards			$	-	$	-	$	-	$	-	$	-	$	-	$	919,861	$	-	$	919,861
		HELOCs
			Substandard	$	-	$	-	$	-	$	-	$	-	$	3,006	$	23	$	935	$	3,964
			Loss		-		-		-		-		-		207		-		1,258		1,465
			Pass		-		-		-		-		-		11,423		41,815		20,195		73,433
	Total HELOCs			$	-	$	-	$	-	$	-	$	-	$	14,636	$	41,838	$	22,388	$	78,862
		Personal
			Substandard	$	498	$	691	$	2,355	$	939	$	953	$	15,843	$	2	$	1,385	$	22,666
			Loss		30		2		7		-		-		22		-		-		61
			Pass		615,142		217,063		270,674		98,759		56,432		125,690		124		36,394		1,420,278
	Total Personal			$	615,670	$	217,756	$	273,036	$	99,698	$	57,385	$	141,555	$	126	$	37,779	$	1,443,005
		Auto
			Substandard	$	3,080	$	7,520	$	9,498	$	4,739	$	2,210	$	1,422	$	-	$	-	$	28,469
			Loss		42		11		-		-		-		-		-		-		53
			Pass		1,259,800		808,339		637,300		420,293		177,104		80,829		-		-		3,383,665
	Total Auto			$	1,262,922	$	815,870	$	646,798	$	425,032	$	179,314	$	82,251	$	-	$	-	$	3,412,187
		Other consumer
			Substandard	$	-	$	114	$	21	$	487	$	-	$	135	$	11,250	$	-	$	12,007
			Loss		-		-		-		579		-		34		-		-		613
			Pass		24,845		9,781		9,348		5,610		3,914		947		62,141		-		116,586
	Total Other consumer			$	24,845	$	9,895	$	9,369	$	6,676	$	3,914	$	1,116	$	73,391	$	-	$	129,206
Total Popular Inc.				$	6,846,687	$	4,151,913	$	3,156,760	$	2,335,830	$	1,379,915	$	8,994,389	$	2,314,896	$	60,167	$	29,240,557