Popular(BPOP) - 2023 Q4 - Earnings Call Presentation

▪ U.S. loan balances increased by $340 million YoY • Favorable credit risk profile with low level of NCOs, NPLs, criticized and classified loans • Non-performing loans held-in-portfolio at$ 10 million in Q4 2024, decreasing by $6 million QoQ; NPLs to loans ratio at 0.2% in Q4 2023 • Allowance for credit losses to loans held-in-portfolio at 1.29% in Q4 2023 vs. 1.33% in Q3 2023 • ACL to NPLs increased to 664% in Q4 2023$ in millions 22 Retail 35% Hotels 20% Office Space 12% Shelters 11% Health Facility 6% M ...