Exhibit 99.2 INVESTOR PRESENTATION Third Quarter 2023

Cautionary Note Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance, are based on the current expectations of Popular, Inc.’s (the “Corporation”) management and, by their nature, involve risks, uncertainties, estimates and assumptions. Potential factors, some of which are beyond the Corporation’s control, could cause actual results to differ materially from those expressed in, or implied by, such forward-looking statements. More information on the risks and important factors that could affect the Corporation’s future results and financial condition is included in our Form 10-K for the year ended December 31, 2022, our Quarterly Reports on Form 10-Q for the quarters ended March 31, 2023, June 30, 2023 and September 30, 2023 as filed with the Securities and Exchange Commission. Our filings are available on the Corporation’s website (www.popular.com) and on the Securities and Exchange Commission website (www.sec.gov). The Corporation assumes no obligation to update or revise any forward-looking statements which speak as of their respective dates.

Q3 2023 Highlights Financial Highlights Quarter Highlights $ in millions, except ratios and EPS Highlights: Income Statement Q3 2023 Q2 2023 Change Q3 2022 • Net income of $153 million, excluding after-tax goodwill Net Income $ 137 $ 151 $ (14) $ 422 impairment charge of $16 million Net Interest Margin 3.07% 3.14% (0.07%) 3.32% 1 Net Interest Margin FTE 3.24% 3.29% (0.05%) 3.71% • Net interest income increased $2.4 million Total Deposit Cost 1.84% 1.57% 0.27% 0.38% EPS $ 1.90 $ 2.10 $ (0.20) $ 5.71 • Loans increased $998 million QoQ • Non-performing loans decreased $24 million; NPL to loans Financial Ratios ratio down to 1.06% from 1.17% in Q2 2023 ROA 0.75% 0.85% (0.10%) 2.31% • Deposits decreased $667 million, mainly P.R. Government ROTCE 9.36% 10.63% (1.27%) 31.86% deposits Balance (Ending Balances)• Borrowings decreased by $329 million due to redemption of $300 million Senior Notes during the quarter Loans Held in Portfolio $ 34,029 $ 33,031 $ 998 $ 31,523 Total Assets 69,737 70,838 (1,101) 70,730 • Common Equity Tier 1 capital ratio decreased 6 basis points Total Deposits 63,338 64,005 (667) 64,819 (bps) to 16.81% Borrowings 1,098 1,427 (329) 1,301 • Tangible book value per share decreased $1.17 to $50.20 Credit Quality Non Performing Loans $ 362 $ 386 $ (24) $ 453 NPL Ratio 1.06% 1.17% (0.11%) 1.44% NCO Ratio 0.39% 0.29% 0.10% 0.24% ACL-NPL Ratio 197% 182% 15% 155% Capital Common Equity Tier 1 16.81% 16.87% (0.06) 16.04% Tangible Book Value Per Share $ 50.20 $ 5 1.37 $ (1.17) $ 3 8.69 1 FTE net interest margin represents a non-GAAP financial measure. See the Corporation's earnings press release, Form 10-Q and Form 10-K filed with the U.S. Securities and Exchange Commission for the applicable periods for a GAAP to non-GAAP reconciliation. FTE stands for fully taxable-equivalent basis 3

Business Highlights BPPR Business Metrics $ in millions, except ratios Q3 2023 Q2 2023 Change Q3 2022 BPPR: Loans Held in Portfolio $23,729 $ 23,087 $ 642 $ 22,254 • Loans increased by $642 million QoQ across most business P.R. Government Deposits 17,750 18,464 ( 714) 1 8,183 segments: Total Deposits 53,839 5 5,077 (1,238) 5 6,937 ▪ Commercial loans increased $311 million Borrowings 108 108 (0) 116 ▪ Mortgage loans increased $121 million Net Interest Margin 3.14% 3.21% (0.07%) 3.27% ▪ Auto loans and leases increased $104 million Total Deposit Cost 1.68% 1.44% 0.24% 0.34% • Deposits decreased by $1.2 billion from Q2 2023, driven by P.R. government deposits BPPR Customer Engagement • Total cost of deposits increased 24 bps to 1.68% in Q3 2023 Q3 2023 Q2 2023 Change Q3 2022 • Total customers surpassed 2 million • Credit and debit card sales (in dollars) were 4% lower than Q2 Customers (in thousands) 2,009 1,999 10 1,969 1 2023 and 6% higher than Q3 2022 Active Online Users 54% 54% 0% 54% Deposits Captured Through Earnings Digital Channels 62% 62% 0% 64% Popular Bank Popular Bank: $ in millions, except ratios Q3 2023 Q2 2023 Change Q3 2022 Loans Held in Portfolio $10,267 $9,911 $356 $9,235 • Loans increased $356 million QoQ, mainly commercial and Total Deposits 10,302 10,018 284 8,439 construction loans Borrowings 398 428 (30) 438 • Deposits increased $284 million Net Interest Margin 2.90% 3.01% (0.11%) 3.84% • Total deposit cost increased 29 bps to 2.84% driven by an Total Deposit Cost 2.84% 2.55% 0.29% 0.67% increase in deposits gathered through the Popular Direct online channel and brokered deposits 1 Customers who have logged on to Popular’s web and/or mobile platform in the past 30 days 4

Financial Summary (Unaudited) ($ in thousands) Q3 2023 Q2 2023 Variance Net interest income $ 5 34,020 $ 5 31,668 $ 2 ,352 Provision for credit losses 45,117 37,192 7,925 Net interest income after provision for credit losses $ 4 88,903 $ 494,476 $ (5,573) Service charges on deposits 3 7,318 3 7,781 (463) Other service fees 93,407 9 4,265 (858) Mortgage banking activities 5 ,393 2,316 3,077 Other non-interest income 23,431 26,109 (2,678) Total non-interest income $ 1 59,549 $ 160,471 $ ( 922) Personnel costs 193,152 1 91,468 1,684 Net occupancy expenses 28,100 27,165 935 Equipment expenses 8,905 9,561 (656) Professional fees 38,514 50,132 (11,618) Technology and software expenses 72,930 72,354 576 Processing and transactional services 37,899 36,801 1,098 Business promotion 23,075 25,083 (2,008) Other real estate owned (OREO) income (5,189) ( 3,314) (1,875) Other operating expenses 45,598 51,034 (5,436) Goodwill impairment charge 23,000 - 23,000 Total operating expenses $ 465,984 $ 460,284 $ 5,700 Income before income tax 182,468 1 94,663 (12,195) Income tax expense 45,859 43,503 2,356 Net income $ 1 36,609 $ 1 51,160 $ (14,551) EPS $ 1 .90 $ 2.10 $ ( 0.20) ROTE 9.36% 10.63% (1.27%) 5

Net Interest Margin Dynamics 1 Total Loans and Deposits ($ in billions) • Net interest margin of 3.07%; FTE net interest margin of 3.24%, a decrease of 5 bps • Money market and investment securities are 48% of earning assets • FTE loan yield increased 9 bps QoQ to 7.24% • Total deposit cost increased 27 bps QoQ to 1.84% 1 Money Market and Investment Securities ($ in billions) Loan Yields, Deposit Cost and NIM (FTE) 52% 50% 50% 51% 48% $4 $9 $6 $6 $6 120% 2.95 2.70 2.65 100% 2.63 2.31 80% $30 $27 $26 $26 $26 60% Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Investment Securities Money Market Investments 40% 20% 6 ¹ Balances are as of end of period 0%

Deposit Mix and Historical Betas • Total deposit cumulative beta of 34% at period end; total deposit beta at BPPR and PB of 31% and 49%, respectively ▪ Excluding public sector, BPPR’s cumulative beta for total deposits at 7% ▪ PB betas higher due to the competitive environment and an increased mix of high cost online deposits • High beta public sector deposits account for 28% of total deposits. P.R. public sector deposit betas are 100% with a quarter lag; expect costs to increase while short-term rates continue to rise 6.00% Deposits by Type Retail Int Bearing Deposits 90% 76% Current Cycle Cumulative Beta - 20% (P.R. 6% ; U.S. 65%) 5.00% 80% 70% 4.00% 60% 50% 3.00% 40% 24% 2.00% 30% 20% 1.00% 10% 0.00% 0% Retail - Int Bearing Fed Funds Target Non-Int Bearing Int Bearing Deposit Mix (by Type) D eposit M ix Retail Commercial Public Wholesale Non Int Bearing 9% 15% 0% 0% Int Bearing 31% 11% 28% 6% 6.00% 6.00% Commercial Int Bearing Deposits Public Int Bearing Deposits Current Cycle Cumulative Beta - 18% (P.R. 13% ; U.S. 36%) Market Linked Rate; Expect 100% Beta with Lag 5.00% 5.00% 4.00% 4.00% 3.00% 3.00% 2.00% 2.00% 1.00% 1.00% 0.00% 0.00% 7 Commercial - Int Bearing Fed Funds Target Public - Int Bearing Fed Funds Target Dec-15 Dec-15 Jun-16 Jun-16 Dec-16 Dec-16 Jun-17 Jun-17 Dec-17 Dec-17 Jun-18 Jun-18 Dec-18 Dec-18 Jun-19 Jun-19 Dec-19 Dec-19 Jun-20 Jun-20 Dec-20 Dec-20 Jun-21 Jun-21 Dec-21 Dec-21 Jun-22 Jun-22 Dec-22 Dec-22 Jun-23 Jun-23 Dec-23 Dec-23 Dec-15 Dec-15 Jun-16 Jun-16 Dec-16 Dec-16 Jun-17 Jun-17 Dec-17 Dec-17 Jun-18 Jun-18 Dec-18 Dec-18 Jun-19 Jun-19 Dec-19 Dec-19 Jun-20 Jun-20 Dec-20 Dec-20 Jun-21 Jun-21 Dec-21 Dec-21 Jun-22 Jun-22 Dec-22 Dec-22 Jun-23 Jun-23 Dec-23 Dec-23

Investment Portfolio $ in millions Q3 2023 Variance to Q2 2023 Q2 2023 • Conservative investment portfolio, with the majority invested in short to Amortized % of Book Gain / Maturity / Amortized Gain / 1 intermediate U.S. Treasuries, which are Description Cost Portfolio Value (Loss) WAL Cost (Loss) tax exempt for P.R. corporations. The Money Markets (Cash at Federal Reserve) $6,384 20.0% $6,384 $0 - ($2,204) $0 portfolio duration, including cash, is 2.2 years U.S. T-bills 3,886 12.2% 3,886 0 0.1 1,032 (0) AFS U.S. Treasuries 7,827 23.4% 7,443 (384) 1.4 (716) 44 • The unrealized E ar loss nings in the AFS portfolio Agency MBS/CMO 7,279 18.2% 5,799 (1,479) 7.5 (200) (274) increased by $231 million, driven by the Total AFS 1 8,991 53.8% 17,128 (1 ,864) 3.2 117 (231) MBS portfolio 2 U.S. Treasuries 8,931 25.8% 8,229 (702) 3.4 (152) 44 • The market value of the HTM portfolio HTM Other 74 0.2% 74 - 15.5 (2) - decreased to $8.0 billion, $230 million Total HTM 9,005 26.1% 8,302 (702) 3.5 (154) 44 lower than the book value Total Trading 31 0.1% 31 0 2.5 2 0 Total Portfolio $34,410 100.0% $31,845 ($2,566) 2.6 ($2,239) ($186) Cumulative Maturities: Maturity Profile 25,000 US Treasury & T-Bills (Excluding Cash at the Federal Reserve) 30% 29% 20,000 25% 15,000 20% 16% 16% 15% 15% 13% 10,000 10% 5,000 6% 5% 3% 1% 1% - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0 - 3 yrs 4 - 5 yrs 6 - 7 yrs 8 - 10 yrs U.S. T-bills U.S. Treasuries - AFS U.S. Treasuries - HTM Agency MBS/CMO 1 Maturity expressed in years; In the case of mortgage-backed securities and CMO’s, it represents the weighted average life of the bonds assuming market consensus prepayment speeds 2 The book value includes $702 million of net unrealized loss which remains in Accumulated Other Comprehensive Income (AOCI) related to the securities transferred from available-for-sale securities portfolio to the held-to-maturity 8 securities portfolio. At the time of transfer, the securities had an unrealized loss of $873 million, which will be amortized (back into capital) throughout their remaining life at a rate of approximately 5% per quarter through 2026. Differences due to rounding $ in Millions Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Dec-26 Mar-27 Jun-27 Sep-27 Dec-27 Mar-28 Jun-28 Sep-28 Dec-28 Mar-29 Jun-29 Sep-29 Dec-29

Capital Popular, Inc 18.7 18.7 16.9 16.8 16.9 16.9 • Robust regulatory capital levels • Common Equity Tier 1 of 16.8% 8.4 8.4 decreased 6 bps due to the increase in 5.3 5.3 risk weighted assets resulting from loan Common Equity Tier 1 Risk-Based Total Risk-Based Tier 1 Leverage TCE growth during the quarter Tier 1 Capital Capital Capital Q2 2023 Q3 2023 • Leverage ratio of 8.4% impacted by the high proportion of zero-risk weighted BPPR assets on the balance sheet, which 18.8 18.7 represented 40% of total assets 17.5 17.5 17.5 17.5 1 • TCE ratio at 5.3% flat from Q2 2023; BPPR at 3.4% compared to 3.5% due to 7.5 7.5 3.5 3.4 the increase in unrealized losses on the investment portfolio Common Equity Tier 1 Risk-Based Total Risk-Based Tier 1 Leverage TCE Tier 1 Capital Capital Capital • Tangible book value per share at $50.20 Q2 2023 Q3 2023 compared to $51.37 in Q2 2023 Popular Bank 15.2 14.9 14.4 14.4 14.2 14.2 12.7 12.6 11.7 11.6 Common Equity Tier 1 Risk-Based Total Risk-Based Tier 1 Leverage TCE Tier 1 Capital Capital Capital Q2 2023 Q3 2023 Note: Current period ratios are estimated 9 1 TCE ratio is defined as the ratio of tangible common equity to tangible assets

Non-Performing Assets Q3 2023 vs Q2 2023 Variances: Non-Performing Assets • NPAs and NPLs decreased by $28 million and $24 million, $900 4.00% respectively $800 3.50% $710 $700 ▪ NPL inflows decreased by $6 million $633 $610 3.00% $570 $547 $600 $529 ▪ P.R. NPLs at $334 million, or 1.4% of loans, down by $504 2.50% $472 $444 $500 $19 million, mainly driven by lower commercial and 2.00% $400 mortgage NPLs by $16 million and $7 million, 1.50% $300 respectively, offset in part by higher consumer NPLs by 1.00% $5 million $200 1.0% 0.9% 0.8% 0.8% 0.8% 0.8% 0.50% $100 0.7% 0.7% ▪ U.S. NPLs at $28 million, or 0.3% of loans, down by $5 0.6% $- 0.00% million, mostly driven by lower commercial and Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 mortgage NPLs by $3 million each NPLs OREO NPL HFS NPAs/Total Assets • OREOs decreased by $4 million 4.0% Non-Performing Loans Total NPL Inflows 3.5% $633 3.0% $51 $35 $548 $39 $44 $40 $46 $520 2.5% $38 $40 $478 $453 $37 $439 $412 2.0% 2.2% $386 $362 1.9% 1.5% 1.8% 1.6% 1.4% 1.4% 1.3% 1.0% $20 1.2% 1.1% $15 $12 0.5% $11 $10 $9 $9 $6 $6 0.0% 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 Commercial & Construction Mortgage Other NPL/Loans U.S. Inflows P.R. Inflows 10 Dollars in millions Differences due to rounding

Q3 23 Q2 23 Q1 23 Q4 22 Q3 22 Q2 22 Q1 22 Q4 21 Q3 21 NCOs and Allowance for Credit Losses NCOs and NCO-to-Loan Ratio Q3 2023 vs Q2 2023 Variances: ($ in millions) 0.39% • NCOs amounted to $33 million, increasing by $9 million $33 $33 $31 ▪ BPPR’s NCOs at $26 million, increasing $24 by $7 million, driven by higher 0.12% $18 consumer NCOs by $14 million, partially offset by an $11 million $9 $6 $4 recovery from a commercial loan ($8) repayment ▪ Popular Bank’s NCOs at $7 million, increasing by $2 million NCO NCO% ▪ NCO ratio at 0.39% vs. 0.29% Accounting Reserve Reserve Reserve • ACL at $711 million, increasing by $11 Guidance Build Build Build ACL Balance Balance Balance Balance ACL/Loan million ($ in millions) 12/31/22 Adjustment (Release) 03/31/23 (Release) 06/30/23 (Release) 09/30/23 09/30/23 Commercial $ 240 $ (2) $ 10 $ 248 $ 12 $ 260 $ (15) $ 245 1.37% • ACL-to-Loans ratio at 2.09% vs. 2.12% Mortgage 135 (36) 5 104 (8) 96 (4) 92 1.21% Leases 21 (0) 0 21 (7) 14 (4) 10 0.60% • ACL-to-NPLs at 197% vs. 182% Consumer: Credit Cards 59 - 9 68 3 71 1 73 6.73% Personal Loans 121 (8) (1) 112 6 118 11 129 6.36% Auto 125 (0) (1) 124 10 134 21 155 4.28% Other 20 - (8) 11 (5) 6 1 7 4.70% Total Consumer 325 (8) (1) 315 15 330 34 364 5.28% Total ACL $ 720 $ (46) $ 14 $ 689 $ 11 $ 700 $ 11 $ 711 2.09% 11 Dollars in millions Differences due to rounding

Allowance for Credit Losses – Q3 2023 Movement ACL Movement: • Moody’s August 2023 baseline scenario continues to show a resilient economy that avoids a recession • Economic scenario change is driven by variables that impact the P.R. consumer loan portfolios • Higher qualitative reserves mainly due to increasing trend in NCOs for unsecured personal loans • New U.S. CRE model is based on more granular regional performance • Portfolio changes are mainly driven by changes in the credit quality of consumer loans and higher loan volumes Economic Scenarios: Economic Activity Unemployment Rates • Baseline scenario is assigned the highest probability, U.S. U.S. followed by the S3 (pessimistic) scenario Projections at: Scenario Description 2023 2024 Projections at: 2023 2024 2Q23 Baseline 1.6% 1.7% 2Q23 Baseline 3.6% 4.0% • Increase in 2023 forecasted GDP growth for P.R. due S1 - Stronger Growth 2.1% 3.2% S1 3.3% 3.1% to revision of the P.R. Government Economic S3 - Recession 0.8% -1.4% S3 4.7% 7.6% Activity Index 3Q23 Baseline 2.0% 1.3% 3Q23 Baseline 3.6% 4.0% • Unemployment rate for P.R. near historical lows S1 - Stronger Growth 2.2% 3.2% S1 3.5% 3.1% S3 - Recession 1.8% -1.7% S3 4.0% 7.3% • 2023 U.S. forecast for GDP growth is being aided by P.R. P.R. rising consumer and government spending while the 2Q23 Baseline 1.5% 1.0% 2Q23 Baseline 6.3% 7.6% unemployment rate remains consistent with the S1 - Stronger Growth 1.8% 1.9% S1 6.1% 7.0% previous quarter S3 - Recession 0.9% -1.0% S3 6.9% 9.8% • The reduction in 2024 U.S. GDP growth reflects the 3Q23 Baseline 1.7% 0.9% 3Q23 Baseline 6.1% 6.8% continued impact of the Fed’s monetary policy S1 - Stronger Growth 1.9% 2.2% S1 6.0% 6.2% S3 - Recession 1.5% -1.1% S3 6.3% 8.5% 12 Differences due to rounding

Driving Value • 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 Franchise▪ 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 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 th • In October we celebrated our 130 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 Milestones more than 2 million unique customers 13

INVESTOR PRESENTATION Third Quarter 2023 Appendix

Corporate Structure Summary Corporate Structure Franchise Industry Financial Services Headquarters San Juan, Puerto Rico Assets = $70 billion Assets $70 billion (among Holding Popular’s Banco Popular Popular Popular North Companies top 50 BHCs in the Insurance de Puerto Rico Securities LLC America, Inc. (Including Equity Subsidaries Investments) U.S.) Loans $34 billion Popular Auto, 1 Popular Bank LLC Deposits $63 billion Earnings Earnings Banking branches 156 in Puerto Rico, Puerto Rico Operations United States Operations 40 in the U.S. (28 in Assets = $13 billion Assets = $57 billion New York and New Jersey and 12 in Florida) and 9 in the Selected equity investments: U.S. and British Virgin Banco BHD León under Corporate segment Islands NASDAQ ticker BPOP • Dominican Republic bank symbol • 15.84% stake • 2022 net Market Cap $4.5 billion income of $175 million 15 Information as of September 30, 2023 ¹ Doing business as Popular

Q3 2023 vs. Q2 2023 Business Segments (Unaudited) BPPR Popular U.S. ($ in millions) Financial Results Q3 2023 Q2 2023 Variance Q3 2023 Q2 2023 Variance Net interest income $ 454 $ 453 $ 1 $ 87 $ 88 $ ( 1) Provision for credit losses 52 29 23 (7) 8 (15) Net interest income after provision for credit losses 402 424 (22) 94 80 14 Non-interest income 145 144 1 6 6 - Operating expenses $ 383 $ 399 $ (16) $ 84 $ 64 $ 20 Income before income tax 164 169 (5) 16 22 (6) Income tax expense 41 37 4 5 7 (2) Net income $ 123 $ 132 $ ( 9) $ 11 $ 15 $ ( 4) ($ in millions) Balance Sheet Highlights Q3 2023 Q2 2023 Variance Q3 2023 Q2 2023 Variance Total assets $ 5 7,039 $ 58,392 $ (1,353) $ 1 2,807 $ 12,550 $ 257 Total loans HIP 23,729 2 3,087 642 10,267 9,911 356 Total deposits 53,839 55,077 ( 1,238) 10,302 1 0,018 284 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 0.73% 0.75% (0.02%) 0.22% 0.27% (0.05%) Allowance for credit losses / Total loans held-in-portfolio 2.63% 2.58% 0.05% 0.84% 1.05% (0.21%) Net interest margin 3.14% 3.21% (0.07%) 2.90% 3.01% (0.11%) 16

P.R. Public Sector Exposure The Corporation does not own any loans issued by the P.R. central government or its public corporations. As of September 30, 2023, our direct exposure to P.R. municipalities was $333 million, down by $18 million QoQ Outstanding P.R. government exposure Municipalities ($ in millions) Loans Securities Total Obligations of municipalities are backed by real and personal property taxes, municipal Municipalities $ 314 $ 19 $ 333 excise taxes, and/or a percentage of the sales and use tax Indirect Exposure $ 195 $ 47 $ 242 Indirect Exposure Indirect exposure includes loans or securities that are payable by non-governmental entities, but which carry a government guarantee to cover any shortfall in collateral in the event of borrower default. Majority are single-family mortgage related 17

Non-Owner Occupied CRE Highlights: Non-Owner Occupied CRE • Non-Owner Occupied CRE (CRE NOO) properties $ in millions concentrated in retail, hotels and office space 3.5% $5,035 $4,744 ▪ Office exposure is limited, representing only 1.9% of total $4,651 $4,517 $4,500 $2,086 3.0% loan portfolio and 12% of CRE NOO $1,838 $1,765 $1,671 $1,742 ▪ Office space primarily comprised of mid-rise properties 2.5% with diversified tenants across both regions. Average loan 2.0% size of $2.1 million $2,846 $2,949 $2,906 $2,885 $2,757 1.7% 1.5% • Strong loan growth in both regions: 1.6% 1.5% 1.5% 1.3% ▪ P.R. loan balances increased $103 million YoY 1.0% 0.7% ▪ U.S. loan balances increased by $415 million YoY 0.6% 0.5% 0.5% 0.5% 0.3% • Favorable credit risk profile with low level of NCOs, NPLs, Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 0.0% criticized and classified loans P.R. U.S. NPL/Loans ACL/Loans • Non-performing loans held-in-portfolio at $16 million in Q3 2023, decreasing by $7 million QoQ; NPLs to loans ratio at 0.3% in Q3 2023 CRE NOO Balance by property type • Allowance for credit losses to loans held-in-portfolio at 1.33% in Q3 2023 vs. 1.51% in Q2 2023 Special Use Other 5% 2% • ACL to NPLs increased to 418% in Q3 2023 Industrial 5% Retail Mixed use 34% 5% Credit Metrics Health Facility Metric Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 7% 30-89 DPD/Loans 0.09% 0.04% 0.44% 0.03% 0.08% NPL/Loans 0.71% 0.56% 0.50% 0.49% 0.32% Shelters 9% NCO Ratio -0.02% 0.74% -0.17% 0.03% -0.02% ACL/Loans 1.75% 1.59% 1.54% 1.51% 1.33% ACL/NPL 246.09% 284.88% 311.54% 310.98% 418.00% Office Space Classified Loans /Loans 3.19% 2.05% 1.30% 1.22% 1.24% 12% Hotels 21% 18 Differences due to rounding

Auto Portfolio Delinquency Highlights: Avg. 2011-2019 9/30/2023 ($ in millions) 6.17% 4.20% • Auto balances increased during the pandemic, but growth has moderated during recent quarters $4,000 6.00% $3,633 $3,566 $3,529 $3,513 $3,518 $3,490 $3,430 $3,412 $3,377 • Delinquency has been gradually increasing, but $3,500 5.00% $2,918 remains below pre-pandemic at Q3 2023 $3,000 4.6% 4.00% 4.2% $2,500 • NCOs at levels significantly below pre-pandemic 3.7% 3.6% 3.7% $2,000 3.00% 3.2% 2.8% 2.8% • The FICO mix of originations has remained robust, $1,500 2.6% 2.4% 2.00% $1,000 with weighted-average FICO scores of 1.00% $500 approximately 730 $135 $81 $97 $90 $98 $128 $129 $113 $131 $153 $- 0.00% Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 • Current year originations were approximately Portfolio 30+ DPD 30+ DPD/Portfolio 65%/35% split between new/used auto loans NCOs and NCO-to-Loan Ratio FICO Mix of Originations ($ in millions) (% of Approved Amount) 715 719 730 719 723 729 732 721 720 Avg. 2011-2019 YTD 4% 3% 5% 4% 6% 7% 700 6% 7% 7% 100% 1.88% 0.73% 2.44% 7% 6% 4% 3% 4% 9% 7% 7% 600 9% $18 80% 30% 26% 24% 30% 24% 500 29% 27% 26% 26% 60% 400 $11 $10 300 40% 1.08% 66% 65% 65% $7 61% $7 60% 60% 60% 58% 58% 200 20% $5 100 $2 $2 0% 0 $0 $0 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 YTD 700+ 625-699 <625 No FICO WA FICO Auto Loans NCOs NCO % 19 Differences due to rounding

Leases Portfolio Delinquency Highlights: ($ in millions) • Auto lease balances have continued to increase Avg. 2011-2019 9/30/2023 2.06% 1.73% since the pandemic $2,000 6.00% $1,698 $1,800 $1,662 $1,614 $1,586 • Delinquency steady at below pre-pandemic $1,539 5.00% $1,480 $1,600 $1,426 $1,381 $1,349 levels $1,400 4.00% $1,200 $1,060 • NCOs at levels significantly below pre-pandemic $1,000 3.00% $800 • The FICO mix of originations has remained 1.8% 1.7% 2.00% 1.5% $600 1.4% 1.3% 1.3% 1.1% 1.1% robust, with weighted-average FICO scores of 1.0% 0.9% $400 1.00% approximately 740 $200 $19 $13 $14 $16 $17 $23 $21 $21 $22 $29 $- 0.00% Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Portfolio 30+ DPD 30+ DPD/Portfolio FICO Mix of Originations NCOs and NCO-to-Loan Ratio (% of Approved Amount) ($ in millions) 736 730 730 731 740 734 732 735 Avg. 2011-2019 YTD 700 100% 2% 0.65% 0.27% 3% 3% 3% 4% 4% 4% 4% 1.07% 600 20% 22% 24% $3 23% 23% 26% 26% 26% 80% 500 $2 60% 400 $2 $1 $1 300 40% 0.35% 77% 75% 73% 73% 74% 70% 70% 71% $1 200 $1 $0 $0 20% 100 ($0) 0% 0 Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 2016 2017 2018 2019 2020 2021 2022 2023 Sep YTD Leases NCOs NCO % 700+ 625-699 <625 No FICO WA FICO 20 Differences due to rounding

Credit Cards Portfolio Highlights: Delinquency ($ in millions) Avg. 2011-2019 9/30/2023 3.74% 3.44% • Balances have been gradually increasing due to $1,400 4.00% higher originations and increased usage post $1,124 3.50% $1,077 $1,200 $1,057 $1,046 $1,042 pandemic 3.4% $989 3.4% $967 3.00% $920 $916 $1,000 $887 • Delinquency and NCOs have been gradually 2.8% 2.50% $800 2.4% increasing in recent quarters, reaching pre- 2.3% 2.00% 2.2% 2.0% $600 1.9% pandemic levels in Q3 2023 1.9% 1.9% 1.50% $400 • The FICO mix of originations has remained robust, 1.00% $200 with weighted-average FICO scores of 0.50% $39 $16 $18 $19 $19 $22 $24 $25 $30 $37 approximately 750 $- 0.00% Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Portfolio 30+ DPD 30+ DPD/Portfolio FICO Mix of Originations NCOs and NCO-to-Loan Ratio (% of Approved Amount) ($ in millions) Avg. 2011-2019 YTD 754 754 753 750 748 748 750 749 750 3.67% 2.71% 3% 4% 2% 2% 2% 5% 3% 4% 100% 700 1% 2% 3% 2% 3% 2% 2% 3% 2% 600 80% 38% 42% 45% 41% 44% 3.21% 43% 45% 45% 500 3.21% 44% 60% 400 300 40% $9 $8 200 57% 55% $7 53% 53% $6 51% 51% 49% 49% 50% $5 20% $4 $4 100 $3 $3 $3 0% 0 Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep YTD 750+ 650-749 <650 No FICO WA FICO Credit Cards NCOs NCO % 21 Differences due to rounding

P.R. Personal Loans Portfolio Delinquency Highlights: Avg. 2011-2019 9/30/2023 ($ in millions) • The portfolio balance has been steadily increasing 3.61% 2.87% $2,000 6.00% due to higher originations $1,763 $1,686 $1,800 $1,613 $1,586 5.00% $1,518 • Delinquency has increased gradually during 2023, $1,600 $1,388 $1,368 $1,303 $1,288 but remains below pre-pandemic performance $1,400 $1,275 4.00% $1,200 • NCO rate has been increasing, approaching Q4 2019 $1,000 3.00% 3.2% level 2.9% 2.9% 2.9% $800 2.7% 2.6% 2.6% 2.6% 2.5% 2.5% 2.00% $600 • The FICO mix of originations has remained robust, $400 1.00% with weighted-average FICO scores of approximately $200 $43 $37 $37 $36 $36 $39 $40 $41 $44 $51 738 in recent vintages, similar to pre-pandemic $- 0.00% Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 Portfolio 30+ DPD 30+ DPD/Portfolio FICO Mix of Originations NCOs and NCO-to-Loan Ratio (% of Approved Amount) ($ in millions) Avg. 2011-2019 YTD 2.53% 3.37% 738 738 738 740 743 736 741 746 740 4.01% 4.19% 2% 2% 1% 1% 700 3% 3% 3% 3% 1% 100% 3% 3% 3% 3% 3% 4% 4% 5% 5% $17 600 80% 500 $14 46% 44% 45% 51% 53% 50% 56% 56% 49% $13 $12 60% 400 $10 300 40% $8 200 49% 49% $6 47% 44% $6 $6 43% 43% 43% $5 20% 40% 40% 100 0% 0 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep YTD Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 750+ 650-749 <650 No FICO WA FICO 22 Personal Loans NCOs NCO % Differences due to rounding

Popular, Inc. Credit Ratings Senior Unsecured Ratings Senior Unsecured Ratings Fitch BBB- Stable Outlook S&P BB+ Stable Outlook Moody’s Ba1 Stable Outlook 2018 2020 2022 2019 2021 April April June Moody’s Moody's September April Fitch upgrades upgrades to Ba3 upgrades to B1 Moody’s upgrades S&P upgrades to to BBB- from from B1 from B2 May March to Ba1 from Ba3, BB+ from BB-, BB, revised Fitch Moody’s revised revised outlook to Fitch and S&P revised outlook to May S&P revised outlook to upgrades to outlook to Stable revised outlook Stable Fitch revised outlook to Stable BB from BB- Positive to Positive Positive outlook to Positive March S&P lowers outlook to Stable 23

INVESTOR PRESENTATION Third Quarter 2023