10-K – 2026-03-02 – d17859d10k.htm

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1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form
10-K
[X]
 

ANNUAL REPORT PURSUANT TO SECTION 13 OR  
15(d) OF THE SECURITIES EXCHANGE ACT  
OF 1934
For the Fiscal Year Ended
December 31, 2025
Or
[ ]
 
Transition report pursuant to Section 13 or 15(d) of the Securities  
Exchange Act of 1934
Commission File Number:  

001-34084
POPULAR, INC.
Incorporated in the Commonwealth of
Puerto Rico
IRS Employer Identification No.
66-0667416
Principal Executive Offices
209 Muñoz Rivera Avenue
Hato Rey
,
Puerto Rico
00918
Telephone Number: (
787
)
765-9800
 

Securities registered pursuant to Section 12(b)  
of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which
registered
Common Stock ($0.01 par value)
BPOP
The
Nasdaq Global Select Stock Market
6.125% Cumulative Monthly Income Trust Preferred
Securities
BPOPM
The
Nasdaq Global Select Stock Market
SECURITIES REGISTERED PURSUANT TO SECTION 12(g)  
OF THE ACT:  

None
Indicate by check mark if the registrant is a well-known  
seasoned issuer, as defined in Rule 405 of the Securities Act.
Yes
 
X No  
.
Indicate by check mark if the registrant is not required  
to file reports pursuant to Section 13 or Section  
15(d) of the Act. Yes  

No
 
X.
Indicate by check mark whether the registrant (1) has  
filed all reports required to be filed by  
Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 12  
months (or for such shorter period that the  
registrant was required to file such reports),  
and
(2) has been subject to such filing requirements for the  
past 90 days.
Yes
 
X No  
.  

Indicate by check mark whether the registrant has  
submitted electronically every Interactive Data File required  
to be submitted pursuant to
Rule 405 of Regulation S-T (§232.405 of this chapter)  
during the preceding 12 months (or for such  
shorter period that the registrant was
required to submit such files).
Yes
 
X No  
.
Indicate by check mark whether the registrant is a  
large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting
company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reporting  
company”
and “emerging growth company” in Rule 12b-2  
of the Exchange Act.
Large accelerated filer
 
[X]
Accelerated filer [  
]
Non-accelerated filer [  
]
Smaller reporting company
[ ]
Emerging growth company
[ ]
If an emerging growth company, indicate by check mark if the registrant  
has elected not to use the extended  
transition period for
complying with any new or revised financial accounting  
standards provided pursuant to Section 13(a)  
of the Exchange Act.  

☐
Indicate by check mark whether the registrant has filed a report on  
and attestation to its management’s assessment of the effectiveness of
its internal  
control over  
financial reporting  
under Section  
404(b) of  
the Sarbanes-Oxley Act  
(15 U.S.C.  
7262(b)) by  
the registered  
public
accounting firm that prepared or issued its audit  
report.
[X]
If securities are registered  
pursuant to Section 12(b)  
of the Act, indicate  
by check mark whether  
the financial statements of  
the registrant
included in the filing reflect the correction of an  
error to previously issued financial statements.  

☐
Indicate  
by  
check  
mark  
whether any  
of  
those  
error  
corrections  
are  
restatements  
that  
required  
a  
recovery  
analysis  
of  
incentive-based
compensation received by any of the registrant’s executive  
officers during the relevant recovery period pursuant to  
§240.10D-1(b).  

☐
Indicate by check mark whether the registrant is a  
shell company (as defined in Rule 12b-2 of the  
Act). Yes  
No
X
 

As of June 30, 2025, the aggregate market  
value of the Common Stock held by non-affiliates of  
Popular, Inc. was approximately $
7.5
billion based upon the reported closing price of $110.21 on the Nasdaq  
Global Select Market on that date.  

As of February 26, 2026, there were
65,104,302
 
shares of Popular, Inc.’s Common Stock outstanding.

 
2
DOCUMENTS INCORPORATED BY REFERENCE
Portions of Popular,  
Inc.’s definitive proxy  
statement relating to the  
2026 Annual Meeting  
of Stockholders of Popular,  
Inc. (the “Proxy
Statement”) are incorporated herein by reference in response to Items 10 through  
14 of Part III. The Proxy Statement will be  
filed with
the Securities and Exchange Commission (the “SEC”)  
on or about March 24, 2026.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3
Forward-Looking Statements
This  
Form  
10-K contains  
“forward-looking statements”  
within the  
meaning  
of  
the  
U.S. Private  
Securities Litigation  
Reform Act  
of
1995,  
including,  
without  
limitation,  
statements  
about  
Popular,  
Inc.’s  
(the  
“Corporation,”  
“Popular,”  
“we,”  
“us,”  
“our”)  
business,
financial condition, results  
of operations, plans,  
objectives and future  
performance. These statements  
are not  
guarantees of future
performance,  
are  
based  
on  
management’s  
current  
expectations  
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. Risks and uncertainties include without limitation the effect
of competitive and  
economic factors, and our  
reaction to those factors,  
the adequacy of  
the allowance for loan  
losses, delinquency
trends, market  
risk and  
the impact  
of interest  
rate changes  
(including on  
our cost  
of deposits),  
capital markets  
conditions, capital
adequacy  
and  
liquidity,  
and  
the  
effect  
of  
legal  
and  
regulatory  
proceedings  
and  
new  
accounting  
standards  
on  
the  
Corporation’s
financial condition  
and results  
of operations.  
All statements  
contained herein  
that  
are not  
clearly  
historical in  
nature are  
forward-
looking, and the words “anticipate,” “believe,” “continues,”  
“expect,” “estimate,” “intend,” “project” and similar expressions  
and future
or conditional verbs  
such as  
“will,” “would,” “should,”  
“could,” “might,” “can,”  
“may” or similar  
expressions are  
generally intended to
identify forward-looking statements.
Various factors, some of which  
are beyond Popular’s control, could cause actual results to differ materially from those expressed in,
or implied by, such forward-looking statements. Factors that might cause such a  
difference include, but are not limited to:
●
 
the  
rate  
of  
growth  
or  
decline  
in  
the  
economy  
and  
employment  
levels,  
as  
well  
as  
general  
business  
and  
economic
conditions  
in  
the  
geographic  
areas  
we  
serve  
and,  
in  
particular,  
in  
the  
Commonwealth  
of  
Puerto  
Rico  
(the
“Commonwealth” or “Puerto Rico”), where a significant  
portion of our business is concentrated;
●
 
adverse  
economic conditions,  
including high  
levels  
of  
inflation, that  
adversely affect  
housing  
prices, the  
job  
market,
consumer confidence  
and spending  
habits which  
may affect  
in turn,  
among other  
things, our  
level of  
non-performing
assets, charge-offs and provision expense;
●
 
changes in interest rates and market liquidity,  
which may reduce interest margins, impact funding sources, reduce loan
originations, affect  
our ability  
to originate  
and distribute  
financial products  
in the  
primary and  
secondary markets  
and
impact the value of our investment portfolio and  
our ability to return capital to our shareholders;
●
 
the  
impact  
of  
bank  
failures  
or  
adverse  
developments  
at  
other  
banks  
and  
related  
negative  
media  
coverage  
of  
the
banking industry in general on investor and depositor  
sentiment regarding the stability and liquidity of  
banks;
●
 
the impact of the current fiscal and economic challenges of Puerto Rico and  
the measures taken and to be taken by the
Puerto  
Rico  
Government  
and  
the  
Federally-appointed  
oversight  
board  
on  
the  
economy,  
our  
customers  
and  
our
business;
●
 
the  
amount of  
Puerto Rico  
public sector  
deposits held  
at  
the Corporation,  
whose future  
balances are  
uncertain and
difficult  
to  
predict  
and  
may  
be  
impacted  
by  
factors  
such  
as  
the  
amount  
of  
Federal  
funds  
received  
by  
the  
P.R.
Government  
and  
the  
rate  
of  
expenditure  
of  
such  
funds,  
as  
well  
as  
the  
financial  
condition,  
liquidity  
and  
cash
management practices of the Puerto Rico Government  
and its instrumentalities;
●
 
unforeseen or  
catastrophic events,  
including extreme  
weather events  
such as  
hurricanes and  
other natural  
disasters,
man-made disasters, acts of violence or war or  
pandemics, epidemics and other health-related  
crises, or the fear of any
such event  
occurring, any of  
which could cause  
adverse consequences for  
our business, including,  
but not  
limited to,
disruptions in our operations;
●
 
our ability to achieve the  
expected benefits from our transformation initiatives, including our  
ability to achieve projected
earnings, efficiencies and  
return on tangible  
common equity and  
accurately anticipate costs  
and expenses associated
therewith;

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4
●
our ability to execute capital actions, including with  
respect to share repurchases and dividends;
●
 
the fiscal and monetary policies of the federal government  
and its agencies;
●
 
changes in  
federal  
bank  
regulatory and  
supervisory policies,  
including required  
levels of  
capital, liquidity,  
resolution-
related requirements and the impact of other proposed  
capital standards on our capital ratios;
●
 
changes  
in  
and  
uncertainty  
regarding  
federal  
funding,  
tax  
and  
trade  
policies,  
and  
federal  
rulemaking,  
supervision,
examination and enforcement priorities;
●
 
adjustments to or additional Federal Deposit Insurance  
Corporation (“FDIC”) assessments;
●
 
regulatory approvals  
that may  
be necessary  
to undertake  
certain actions  
or consummate  
strategic transactions,  
such
as acquisitions and dispositions;
●
 
the  
relative strength  
or  
weakness  
of  
the  
consumer and  
commercial credit  
sectors  
and  
of  
the  
real  
estate markets  
in
Puerto Rico and the other markets in which  
our borrowers are located;
●
 
a deterioration in the credit quality of our  
clients, customers and counterparties;
●
 
the performance of the stock and bond markets;
●
 
competition in the financial services industry;
●
 
possible legislative, tax or regulatory changes;
●
 
a failure  
in or  
breach of  
our operational  
or security  
systems or  
infrastructure or  
those of  
Evertec, Inc.,  
our provider  
of
core financial  
transaction processing and  
information technology services,  
or of  
third parties  
providing services  
to us,
including  
as  
a  
result  
of  
cyberattacks, e-fraud,  
denial-of-services and  
computer intrusion,  
that  
might result  
in,  
among
other  
things,  
loss  
or  
breach  
of  
customer  
data,  
disruption  
of  
services,  
reputational  
damage  
or  
additional  
costs  
to
Popular;
●
 
changes in market rates and prices which may  
adversely impact the value of financial assets  
and liabilities;
●
 
potential judgments,  
claims, damages,  
penalties, fines,  
enforcement actions  
and  
reputational damage  
resulting from
pending or future litigation and regulatory or government  
investigations or actions;
●
 
changes in accounting standards, rules and interpretations;
●
 
our ability to grow our core businesses;
●
 
decisions to downsize, sell or close branches or business  
units or otherwise change our business mix;  
and
●
 
management’s ability to identify and manage these and  
other risks.
Moreover,  
the outcome  
of any  
legal and  
regulatory proceedings, as  
discussed in  
“Part I,  
Item 3.  
Legal Proceedings,”  
is inherently
uncertain and depends on judicial interpretations of law and the findings of regulators, judges and/or juries. Investors should refer to
“Part I, Item 1A” of this Form 10-K for a discussion  
of certain risks and uncertainties to which  
the Corporation is subject.
All forward-looking  
statements included  
in this  
Form 10-K  
are based  
upon information  
available to  
Popular as  
of the  
date of  
this
Form 10- K, and other than as required by law,  
including the requirements of applicable securities laws, we assume no obligation to
update or revise any such forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date
of such statements.

 
 
 
 
 
5
TABLE OF CONTENTS
PART I
Page
Item 1
Business
6
Item 1A
Risk Factors
23
Item 1B
Unresolved Staff Comments
37
Item 1C
Cybersecurity
37
Item 2
Properties
40
Item 3
Legal Proceedings
41
Item 4
Mine Safety Disclosures
41
PART II
Item 5
Market for Registrant’s Common Equity, Related Stockholder Matters and
Issuer Purchases of Equity Securities
41
Item 6
[Reserved]
43
Item 7
Management’s Discussion and Analysis of Financial Condition  
and Results of
Operations
43
Item 7A
Quantitative and Qualitative Disclosures About Market  
Risk
43
Item 8
Financial Statements and Supplementary Data
43
Item 9
Changes in and Disagreements with Accountants  
on Accounting and Financial
Disclosure
44
Item 9A
Controls and Procedures
44
Item 9B
Other Information
44
Item 9C
Disclosure Regarding Foreign Jurisdictions that Prevent  
Inspections
44
PART III
Item 10
Directors, Executive Officers and Corporate Governance
44
Item 11
Executive Compensation
45
Item 12
Security Ownership of Certain Beneficial Owners  
and Management and
Related Stockholders  
Matters
45
Item 13
Certain Relationships and Related Transactions, and Director  
Independence
45
Item 14
Principal Accountant Fees and Services
45
PART IV
Item 15
Exhibits and Financial Statement Schedules
45
Item 16
Form 10-K Summary
46

 
 
6
PART I POPULAR, INC.
ITEM 1. BUSINESS  

General:
Popular  
is  
a diversified,  
publicly-owned financial  
holding company,  
registered under  
the Bank  
Holding Company  
Act  
of  
1956, as
amended (the “BHC Act”), and subject to supervision and regulation by the Board of Governors of the Federal Reserve System (the
“Federal Reserve Board”). Popular was incorporated in 1984 under the laws of the Commonwealth of Puerto Rico and is the  
largest
financial institution  
based in Puerto  
Rico, with  
consolidated assets of  
$75.3 billion, total  
deposits of  
$66.2 billion  
and stockholders’
equity of $6.2 billion at  
December 31, 2025. At December 31,  
2025, we ranked among the  
50 largest U.S. bank holding companies
based on total assets according to information gathered  
and disclosed by the Federal Reserve Board.
We operate in two principal markets:
●
 
Puerto  
Rico:  
We  
provide  
retail,  
mortgage  
and  
commercial  
banking  
services,  
as  
well  
as  
auto  
and  
equipment  
leasing  
and
financing through  
our principal  
banking subsidiary,  
Banco Popular  
de Puerto  
Rico (“Banco  
Popular” or  
“BPPR”), and  
broker-
dealer  
and  
insurance  
services  
through  
specialized  
subsidiaries.  
BPPR’s  
deposits  
are  
insured  
under  
the  
Deposit  
Insurance
Fund (“DIF”)  
of the  
Federal Deposit  
Insurance Corporation  
(“FDIC”). The  
banking operations  
of BPPR  
are primarily  
based in
Puerto Rico, where BPPR has the largest retail banking  
franchise.
●
 
Mainland  
United  
States:  
We  
provide  
retail  
and  
commercial  
banking  
services,  
as  
well  
as  
equipment  
leasing  
and  
financing,
through our New York  
-chartered banking subsidiary,  
Popular Bank (“PB” or  
“Popular U.S.”), which has branches  
in New York,
New Jersey,  
and Florida. PB’s deposits are insured under the DIF  
of the FDIC.
●
 
BPPR  
also  
conducts  
banking  
operations  
in  
the  
U.S.  
Virgin  
Islands,  
the  
British  
Virgin  
Islands  
and  
New  
York.  
In  
addition  
to
BPPR’s commercial  
banking operations  
in New  
York  
that include  
direct loan  
origination and  
participating loans  
originated by
PB,  
BPPR  
offers  
or  
holds  
financial  
products  
on  
a  
national  
scale  
in  
the  
U.S.  
market,  
including  
personal  
loans  
previously
originated under  
the E-Loan  
brand, purchased  
personal loans  
originated by  
third parties,  
and  
gathering insured  
institutional
deposits via online deposit gathering platforms. In the U.S. and British  
Virgin Islands, BPPR offers a range of banking products,
including loans and deposits to both retail and  
commercial customers.
For further information about the Corporation’s results segregated by  
its reportable segments, see “Reportable Segment Results” in
the Management’s Discussion  
and Analysis of  
Financial Condition and Results  
of Operations section (“MD&A”)  
and Note 36  
to the
Consolidated Financial Statements included in this  
Form 10-K.
Lending Activities
We concentrate our lending activities in the following areas:
(1) Commercial. Commercial loans are comprised of (i) commercial and industrial (“C&I”) loans and leases to commercial  
customers
for use in normal  
business operations and to finance  
working capital needs, equipment purchases or  
other projects, (ii) commercial
real  
estate  
(“CRE”)  
loans  
(excluding  
construction  
loans)  
for  
income-producing real  
estate  
properties  
as  
well  
as  
owner-occupied
properties, and  
(iii) multifamily loans  
with residential buildings  
with five  
or more living  
units. C&I loans  
are underwritten individually
and usually secured with the assets of the company and  
the personal guarantee of the business owners. CRE  
loans consist of loans
for income-producing  
real estate  
properties and  
the financing  
of owner-occupied  
facilities if  
there is  
real estate  
as collateral.  
Non-
owner-occupied CRE  
loans are  
generally made  
to finance  
office and  
industrial buildings,  
healthcare facilities,  
and retail  
shopping
centers and are  
repaid through cash  
flows related to  
the operation, sale  
or refinancing of  
the property.  
Multifamily loans, in  
certain
cases, result from the conversion of the  
Bank’s construction financing to permanent financing and are repaid  
through the cash flow,
sale or refinance of the properties.
(2) Mortgage. Mortgage  
loans include residential  
mortgage loans to  
consumers for the  
purchase or refinancing  
of a  
residence and

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7
also include residential construction loans made  
to individuals for the construction of refurbishment  
of their residence.  

(3) Consumer.  
Consumer loans  
are mainly  
comprised of  
unsecured personal  
loans, credit  
cards, and  
automobile loans,  
and to  
a
lesser extent home equity lines of credit (“HELOCs”)  
and other loans made by banks to individual  
borrowers.  

(4)  
Construction.  
Construction  
loans  
are  
CRE  
loans  
to  
companies  
or  
developers  
used  
for  
the  
construction  
of  
a  
commercial  
or
residential property for which repayment will be generated by the sale  
or permanent financing of the property.  
Our construction loan
portfolio primarily consists of residential land development,  
multifamily housing, and condominium projects.  

(5) Lease Financings. Lease financings are offered by  
BPPR and are primarily comprised of automobile loans/leases made through
automotive dealerships.
Business Concentration
Since our  
business activities  
are currently concentrated  
primarily in  
Puerto Rico,  
our results  
of operations  
and financial
condition are dependent upon the general trends of  
the Puerto Rico economy and, in particular,  
the residential and commercial real
estate markets. The concentration of our  
operations in Puerto Rico exposes us  
to greater risk than other  
banking companies with a
wider  
geographic  
base.  
Our  
asset  
and  
revenue  
composition  
by  
geographical  
area  
is  
presented  
in  
Note  
36  
to  
the  
Consolidated
Financial Statements included in this Form 10-K.
Our loan portfolio is diversified by loan category.  
However, 52% of our loan portfolio at  
December 31, 2025 consisted of real estate-
related loans,  
including residential  
mortgage loans,  
construction loans  
and commercial  
loans secured  
by commercial  
real estate.
The table below presents the distribution of  
our loan portfolio by loan category at December  
31, 2025.
Loan category
(Dollars in millions)
BPPR
%
PB
%
POPULAR
%
Commercial multi-family
$303
1
$2,152
18
$2,455
6
Commercial real estate:
 
Non-owner occupied
3,395
12
2,148
18
5,543
14
 
Owner occupied
1,197
4
1,957
17
3,154
8
Commercial and industrial
5,970
22
2,637
23
8,607
22
Construction
358
1
1,317
11
1,675
4
Mortgage
7,348
27
1,301
11
8,649
22
Leasing
2,001
7
2,001
5
Consumer:
 
Credit cards
1,257
4
-
-
1,257
3
 
Home equity lines of credit
2
 
-  

77
1
79
 
-  

 
Personal
1,836
7
70
1
1,906
5
 
Auto
3,820
14
-
-
3,820
10
 
Other
172
1
9
-
181
1
Total
$27,659
100
$11,668
100
$39,327
100
Except for the Corporation’s exposure to the Puerto Rico and U.S. Governments, no individual or single group of related accounts is
considered material  
in relation  
to our  
total assets  
or deposits,  
or in  
relation to  
our overall  
business.  
For a  
discussion of  
our loan,
investment,  
and  
deposits  
portfolios  
and  
our  
exposure  
to  
the  
Government  
of  
Puerto  
Rico,  
see  
“Financial  
Condition  
–  
Loans”,
“Financial Condition – Deposits” and “Credit Risk – Geographical and Government Risk” in the MD&A and to Note 23 - Commitment
and Contingencies to the Consolidated Financial Statements  
included in this Form 10-K.
Credit  
Administration  
and  
Credit  
Policies
Interest  
from our  
loan portfolios  
is our  
principal source  
of revenue.  
Whenever we  
make loans,  
we expose  
ourselves  
to
credit  
risk.  
Credit  
risk  
is  
controlled  
and  
monitored  
through  
active  
asset  
quality  
management,  
including  
the  
use  
of  
lending
standards,  
thorough  
review  
of  
potential  
borrowers  
and through  
active  
asset quality  
administration.

 
 
 
8
Business  
activities  
that  
expose  
us to  
credit  
risk are  
managed  
within  
the  
Board  
of Director’s  
Risk Management policy,
and the Credit Risk Tolerance  
Limits policy,  
which establishes  
limits  
that  
consider  
factors  
such  
as maintainin  
g  
a prudent  
balance
of risk-taking  
across  
diversified  
risk types  
and business  
units,  
compliance  
with regulator  
y  
guidance,  
and  
controlling  
the  
exposure
to lower  
credit  
quality  
assets.
We maintain  
comprehensive  
credit policies  
for all lines of  
business in order  
to mitigate credit  
risk. Our credit  
policies  
are
approved by  
our Board  
of Directors.  
These policies set  
forth,  
among  
other  
things,
the objectives, scope and  
responsibilities of the
credit  
management cycle.  
Our  
internal  
written  
procedures  
establish
underwriting  
standards  
and  
procedures  
for  
monitoring  
and
evaluating  
loan  
portfolio  
quality  
and  
require  
prompt  
identificatio  
n  
and  
quantificatio  
n  
of  
asset  
quality  
deterioration  
or  
potential
loss
to provide for the adequacy of the allowance for credit losses. These written procedures establish various approval and lending
limit levels,  
ranging
 
from  
bank  
branch  
or departmen  
t  
officers  
to managerial  
and senior  
management  
levels.  
Approval  
levels  
are
primarily  
determined  
by the  
amount, type  
of loan and  
risk characteristics  
of the credit  
facility.
Our  
credit  
policies  
and  
procedures  
establish  
documentation  
requirements  
for  
each  
loan  
and  
related  
collateral  
type,
when  
applicable,  
during  
the  
underwriting,  
closing  
and  
monitoring  
phases.  
For  
commercial  
and  
construction  
loans,  
during  
the
initial  
loan  
underwriting  
process,  
the  
credit  
policies  
require,  
at  
a  
minimum,  
historical  
financial  
statements  
or  
tax  
returns  
of  
the
borrower,  
an analysis  
of financial  
information  
contained  
in  
a  
credit  
approval  
package,  
a  
risk  
rating  
determination  
and  
reports
from  
credit  
agencies  
and appraisal  
s  
for  
real  
estate-related  
loans when applicable  
.  
The credit  
policies  
also  
set  
forth  
the  
required
closing  
documentation  
depending  
on the  
loan  
and the  
collateral  
type.
Although  
we originate  
most  
of our  
loans  
internally  
in both  
the Puerto  
Rico  
and mainland  
United  
States  
markets,  
we
occasionally  
purchase  
or participate  
in loans  
originated  
by other  
financial  
institutions.  
When we  
purchase  
or participate  
in loans
originated by  
others, we ensure  
that those loans  
meet our underwriting  
standards and  
are consistent  
with our risk  
appetite.  

Refer  
to  
the  
Credit  
Risk  
section  
of  
the  
MD&A  
included  
in  
this  
Form  
10-K  
for  
information  
related  
to  
management
committees and divisions with responsibilities for establishing  
policies and monitoring the Corporation’s credit risk.
Loan  
extensions  
,  
renewals  
and restructurings
Loans with  
satisfactory  
credit profiles  
can be  
extended, renewed  
or restructured  
.  
Some commercia  
l  
loan facilities  
are
structured  
as lines  
of credit, which  
are mainly  
one year  
in term  
and therefore  
are required  
to be renewed  
annually.  
Other  
facilities
may be restructure  
d  
or extended  
from time  
to time based  
upon changes  
in the  
borrower’s  
business  
needs,  
use  
of  
funds,  
timing
of  
completion  
of  
projects  
and  
other  
factors.  
If  
the  
borrower  
is  
not  
deemed  
to  
have  
financial  
difficulties  
,  
extensions,  
renewals
and restructurings  
are done  
in the  
normal  
course  
of busines  
s  
and the  
loans  
continue  
to be recorde  
d  
as performing.
We  
evaluate  
various  
factors  
to  
determine  
if  
a  
borrower  
is  
experiencing  
financial  
difficulties.  
Indicators  
that  
the
borrower  
is  
experiencing  
financial difficultie  
s  
include,  
for example:  
(i)  
the borrower  
is currently  
in default on any  
of its debt  
or it is
probable tha  
t  
the borrower  
would be  
in payment  
default on  
any of  
its debt  
in th  
e  
foreseeable  
future  
without  
the modification  
;  
(ii)  

the  
borrower  
has declare  
d  
or is in  
the  
process  
of declarin  
g  
bankruptcy;  
(iii)  
there  
is significan  
t  
doubt  
as to whether  
the  
borrower
will  
continue  
to  
be  
a  
going  
concern;  
(iv)  
the  
borrower  
has  
securities  
that  
have  
been  
delisted,  
are  
in  
the  
process  
of  
being
delisted,  
or  
are  
under threa  
t  
of bein  
g  
delisted  
from  
an exchange  
;  
(v) based  
on estimates  
and projection  
s  
that  
only  
encompass
the  
current  
business  
capabilities  
,  
the  
borrower  
forecasts  
that  
its  
entity-specifi  
c  
cash  
flows  
will  
be  
insufficien  
t  
to  
service  
the
debt  
(both  
interest  
and  
principal)  
in  
accordance  
with  
the  
contractual  
terms  
of  
the  
existing  
agreement  
through  
maturity;  
and
(vi)  
absent  
the  
current  
modification,  
the  
borrower  
cannot  
obtain  
funds  
from  
sources  
other  
than  
the  
existing  
creditors  
at  
an
effective  
interest  
rate  
equal to the current market  
interest  
rate for similar  
debt for a non-troubled  
debtor.
We  
have  
specialized  
workout  
officers  
who  
handle  
the majority  
of  
commercial  
loans  
that  
are  
past  
due  
90  
days  
and
over,  
borrowers  
experiencing  
financial  
difficulties  
,  
and loans  
that  
are considered  
problem loans  
based on  
their risk  
profile. As  
a
general  
policy,  
we  
do  
not  
advance  
additional  
money  
to  
borrowers  
who  
have  
loans  
that  
are  
90  
days  
past  
due  
or  
over.  
In
commercial  
and  
construction  
loans,  
certain  
exceptions  
may  
be approved  
under  
certain  
circumstances,  
including  
(i) when  
past
due  
status  
is administrativ  
e  
in nature,  
such  
as expiration  
of a loan  
facility  
before  
the  
new documentatio  
n  
is executed,  
and not as
a result  
of paymen  
t  
or credit  
issues;  
(ii) to  
improve  
our collateral  
position  
or  
otherwise  
maximize  
recovery  
or  
mitigate  
potential
future  
losses;  
and  
(iii)  
with  
respect  
to  
certain  
entities  
that,  
although  
related  
through  
common  
ownership,  
are  
not  
cross

9
defaulted  
nor  
cross-collateralized  
and  
are  
performing  
satisfactorily  
under  
their  
respective  
loan  
facilities.  
Such  
advances  
are
underwritten  
and  
approved  
following  
our  
credit  
policy  
guidelines  
and  
limits,  
which  
are  
dependent  
on  
the  
borrower’s  
financial
condition,  
collateral  
and guarantee,  
among  
others.
In addition  
to the legal  
lending limit  
established under  
applicable  
state banking  
law, discusse  
d  
in detail  
below,  
business
activities  
that  
expose the  
Corporation to  
credit  
risk  
are managed  
within  
guidelines described  
in the  
Credit  
Risk Tolerance  
Limits
policy.  
Limits are defined for  
loss and credit  
performance metrics, portfolio composition and  
concentration, and industry and  
name-
level,
which
monitors  
lending  
concentration  
to  
a  
single  
borrower  
or  
a  
group  
of  
related  
borrowers,  
including  
specific  
lending
limits  
based  
on industr  
y  
or other  
criteria,  
such  
as a percentage  
of the  
banks’  
capital.
Refer to Note 2 and Note 8 to the Consolidated Financial Statements included  
in this Form 10-K, for additional information
on loan modifications to borrowers with financial difficulties.
Competition
The  
financial  
services  
industry  
in  
which  
we  
operate  
is  
highly  
competitive.  
In  
Puerto  
Rico,  
our  
primary  
market,  
the
banking  
business  
is  
highly  
competitive  
with  
respect  
to  
originatin  
g  
loans,  
acquiring  
deposits  
and  
providing  
other  
banking
services.  
Most  
of  
our  
direct  
competitio  
n  
for  
our  
products  
and  
services  
comes  
from  
commercial  
banks and  
credit unions.
The  
principal  
competitors  
for  
BPPR  
include  
locally  
based  
commercial  
banks  
and  
a  
few  
large  
U.S.  
and  
foreign  
banks  
with
operations in Puerto Rico.  

We  
also  
compete  
with  
specialized  
players  
in th  
e  
local  
financial  
industry  
that  
are  
not  
subject  
to  
the  
same  
regulatory
restrictions  
as domestic  
banks  
and bank holdin  
g  
companies.  
Those  
competitors  
include  
brokerage  
firms,  
mortgage  
companies,
insurance  
companies,  
automobile  
and  
equipment  
finance  
companies,  
local  
and  
federal  
credit  
unions  
(locally  
known  
as
“cooperativas”),  
credit car  
d  
companies,  
consumer  
finance  
companies,  
institutional  
lenders,  
and other  
financial  
and non-financia  
l
institutions  
and entities.  
Credit  
unions  
generally  
provide  
basic consume  
r  
financial  
services and collectively  
represent a  
significant
portion of the  
market with  
a lower cost structure  
and fewer regulatory  
constraints.
While our main competition continues to come from other Puerto Rico banks and financial institutions, we face increased
competition from non-Puerto  
Rico institutions, as  
emerging technologies and  
the growth  
of e-commerce have  
significantly reduced
geographic barriers. These technologies have  
also made it easier  
for non-depositary institutions to  
offer products and  
services that
were  
traditionally  
considered  
banking  
products  
and  
have  
allowed  
non-traditional  
financial  
service  
providers  
and  
technology
companies  
to  
provide  
electronic  
and  
internet-based  
financial  
solutions  
and  
services.  
In  
addition,  
nonbank  
firms  
may  
have  
a
competitive advantage over  
traditional banks  
and bank  
holding companies,  
such as  
Popular,  
due to factors  
such as  
differences in
regulation, funding models and tax treatment.
In  
the  
United  
States  
we  
continue  
to  
face  
substantial  
competitive  
pressure  
as  
our  
footprint  
resides  
in  
the  
two  
large
metropolitan markets of  
New York  
City /  
Northern New Jersey  
and the  
greater Miami area.  
There are a  
large number  
of banks in
both markets, including community, regional, and national ones, most of which  
have more resources than us.
In both  
Puerto Rico  
and the  
United States,  
the primary  
factors in  
competing  
for business  
include  
pricing,  
convenience
of branch  
locations  
and other  
delivery  
methods,  
range of  
products offered,  
and the  
level of  
service delivered.  
We must  
compete
effectively  
along  
all  
these  
parameters  
to  
be  
successful.  
We  
experience  
pricing  
pressure  
as  
some  
of  
our  
competitors  
seek  
to
increase  
market  
share  
by  
reducing  
prices  
for  
services  
or  
the  
rates  
charged  
on  
loans,  
increasing  
the  
interest  
rates  
offered  
on
deposits  
or offering  
more flexible  
terms. Increased  
competition  
could require  
that we  
increase  
the rates  
offered  
on deposits  
and
lower the rates  
charged on loans,  
which could adversely  
affect our profitability.
Economic  
factors,  
along  
with  
legislative  
and  
technological  
changes,  
have  
an  
ongoing  
impact  
on  
the  
competitive
environment  
within  
the financia  
l  
services  
industry.  
We work  
to anticipat  
e  
and adap  
t  
to dynamic  
competitive  
conditions  
whether
through developing  
and marketing  
innovative  
products  
and services,  
adopting  
or developin  
g  
new technologie  
s  
that  
differentiat  
e
our products  
and  
services,  
cross-marketing,  
or  
providing  
personalized  
banking  
services.  
We  
strive  
to  
distinguish  
ourselves
from  
other  
banks  
and  
financial  
services  
providers  
in our  
marketplace  
by providin  
g  
a high  
level  
of service  
to enhance  
customer
loyalty  
and to attrac  
t  
and retain  
business.  
However,  
we can  
provide  
no assurance  
as  
to  
the  
effectiveness  
of  
these  
efforts  
on
our  
future  
business  
or  
results  
of  
operations,  
and  
as  
to  
our  
continued  
ability  
to  
anticipate  
and  
adapt  
to  
changing

 
10
conditions,  
and  
to  
sufficientl  
y  
improve  
our  
services  
and/or  
banking  
products,  
in  
order  
to  
successfully  
compete  
in  
our  
primary
service  
areas.
Transformation Initiatives
The Corporation  
continues  
its broad-based  
,  
multi-year,  
technological  
and business  
process transformation,  
which was  
launched
in  
2022.  
As  
part  
of  
this  
transformation,  
we  
are  
making  
significant  
investments  
in  
technology,  
talent  
and  
new  
digital  
and  
data
capabilities  
in order  
to provide  
our customers  
with more  
personalized  
and accessible  
services,  
increase  
employee  
performance
and satisfaction  
with more agile  
work processes,  
and generate sustainable  
profitable growth  
and value for our  
shareholders.
During  
2025,  
the  
Corporation  
continued  
to  
make  
meaningful  
progress  
in  
the  
modernization  
of  
our  
customer  
channels  
and
enhancement  
of our customers'  
experience.  
For example,  
we started  
the rollout  
of a commercial  
cash management  
solution  
and
deployed  
a new  
consumer  
credit  
origination  
platform  
in Puerto  
Rico  
and the  
Virgin  
Islands.  
We  
also  
continued  
to  
invest  
in our
physical  
retail  
network  
and  
executed  
a series  
of  
efficiency  
initiatives,  
including  
exiting  
our  
U.S.  
mortgage  
business,  
optimizing
mortgage  
servicing  
operations  
in Puerto  
Rico,  
and transforming  
our Enterprise  
Resource  
Planning  
(ERP)  
platform  
to a  
modern
cloud-based solution  
implemented  
in January 2026  
.  

In  
connection  
with  
the  
Corporation’s  
transformation  
initiatives,  
the  
Corporation  
is  
working  
to  
achieve  
a  
sustainable  
return  
on
tangible  
common  
equity  
(“ROTCE”)  
of  
14%  
over  
the  
long  
term.  
The  
Corporation  
made  
progress  
towards  
this  
goal  
in  
2025,
achieving 13%  
ROTCE for the full  
year.
Refer  
to  
the  
Overview  
section  
of  
Management’s  
Discussion  
and  
Analysis  
included  
in this  
Form  
10-K  
for  
information  
on  
recent
significant  
events that have  
impacted or  
will impact  
our current and  
future operations.
Human Capital Management
Popular seeks  
to embody our  
values and  
behaviors throughout  
our human capital  
management practices.  
Attracting,  
developing,
and retaining  
top talent  
in an  
environment  
that promotes  
wellness, inclusion,  
respect, continuous  
learning,  
and transparency  
are
fundamental  
pillars of  
the Corporation’s  
long-term strategy.  
As of December  
31, 2025, Popular  
employed 9,427  
individuals,  
none
of whom were  
represented  
by a collective  
bargaining group.  

Nurturing Well  
-Being: Employee  
Health & Financial  
Security
Popular  
believes  
that the  
health and  
financial  
wellness  
of our  
employees  
is fundamental  
to delivering  
high-quality  
service  
to our
customers  
and  
contributing  
positively  
to  
the  
communities  
in  
which  
we  
operate.  
Accordingly,  
the  
Corporation  
offers  
a
comprehensive  
health and  
wellness program  
that includes  
medical, pharmacy,  
vision, and  
dental insurance,  
as well as additional
wellness initiatives.  

Our programs  
are designed  
to ensure that  
healthcare is  
both accessible  
and affordable  
for our employees,  
with Popular covering
up to 78%  
of health  
insurance premiums,  
a figure that  
surpasses regional  
benchmarks.  
In 2025,  
we strengthened  
our health  
and
wellness  
offerings  
by opening  
a state-of-the-art  
fitness center  
in our San  
Juan, Puerto  
Rico campus,  
to encourage  
an active  
and
balanced  
lifestyle.  
As of  
December  
2025,  
the fitness  
center  
had  
a total  
of 2,030  
members,  
including  
active  
employees,  
eligible
family members  
and retirees.  

Additionally,  
the  
Corporation  
promotes  
employee  
health  
and  
well-being  
by  
encouraging  
annual  
physical  
examinations  
and
operating  
a comprehensive  
health and  
wellness center  
at its Puerto  
Rico corporate  
offices, staffed  
with healthcare  
providers and
enhanced  
by  
the  
addition  
of  
an  
on-site  
psychologist  
to  
provide  
mental  
health  
support.  
The  
center  
received  
over  
15,000  
visits
from employees  
during 2025.  

Popular  
also seeks  
to foster  
work-life  
balance  
by offering  
paid time  
off  
benefits  
to our  
employees,  
including  
community  
service
leave,  
paid  
parental  
leave,  
and  
flexible  
work  
arrangements.  
Our  
hybrid  
work  
model,  
available  
to  
approximately  
half  
of  
our
workforce,  
is  
designed  
to  
strike  
an  
appropriate  
balance  
between  
employee  
flexibility  
and  
business  
needs,  
reinforcing  
our
commitment  
to  
a flexible  
and  
productive  
work  
environment.  
In  
addition,  
we regularly  
offer  
activities  
and  
workshops  
focused  
on
physical fitness  
and personal financial  
management.  

Popular  
further  
offers  
a 401(k)  
savings  
and  
investment  
plan,  
in  
which  
98%  
of  
employees  
participate.  
Under  
the  
plan,  
Popular

 
 
 
11
matches  
$0.50 for  
every  
dollar  
contributed  
by an  
employee,  
up to  
8% of  
the employee’s  
salary.  
Moreover,  
Popular  
maintains  
a
profit-sharing  
plan, contingent  
upon the  
achievement  
of pre-established  
financial  
goals, to  
further  
align employee  
compensation
with  
the  
Corporation’s  
overall  
performance.  
Under  
the  
profit-sharing  
plan,  
employees  
may  
receive  
up  
to  
8%  
of  
their  
eligible
compensation  
(capped  
at $70,000),  
with the  
first  
4% paid  
in cash  
and any  
amount  
above that  
threshold  
paid to  
the employee’s
savings  
and  
investment  
plan  
account.  
Additionally,  
Popular  
regularly  
reviews  
employees’  
base  
compensation  
to  
remain
competitive  
with market salaries  
for comparable  
positions.
Empowering Growth:  
Our Commitment  
to Talent  
Developmen
t
We  
are committed  
to fostering  
the continuous  
development  
and upskilling  
of our  
employees  
and  
believe  
this  
is fundamental  
to
maintaining  
our competitive  
advantage.  
Towards  
that end,  
Popular  
offers  
development  
opportunities  
designed  
to strengthen  
our
employees’  
knowledge,  
capabilities  
and  
skills,  
supporting  
their  
personal  
growth  
while  
enhancing  
Popular’s  
business  
strategies
and organizational  
effectiveness.  

Our 40,000  
square foot  
development  
center in  
San Juan,  
Puerto Rico,  
and our satellite  
facilities  
in New York,  
South Florida,  
and
the  
Virgin  
Islands,  
offer  
year-round  
training  
sessions,  
activities  
and  
workshops.  
In  
2025,  
there  
were  
approximately  
6,700
registered  
participations  
in corporate  
academy  
voluntary  
courses,  
new  
employee  
orientations,  
health  
coordinator  
certifications,
and  
manager  
onboarding  
programs—an  
increase  
of  
approximately  
2,500  
compared  
to  
the  
participation  
levels  
in  
2024.  
These
courses  
offer  
instructor-led  
training  
experiences  
for  
employees  
to  
develop  
and  
apply  
critical  
core  
and  
technical  
skills.  
Our
commitment  
to  
continuous  
learning  
is  
further  
supported  
through  
employee  
access  
to  
LinkedIn  
Learning,  
which  
provides  
an
extensive  
library  
of  
over  
16,000  
e-learning  
courses,  
enabling  
employees  
to  
pursue  
self-directed  
learning  
aligned  
with  
both
professional  
development goals  
and business  
needs.  

Our  
focus  
on  
training  
and  
development  
has  
provided  
internal  
growth  
opportunities  
for  
our  
workforce.  
As  
a  
result,  
the
Corporation’s  
internal  
mobility  
rate in  
2025 was  
47%, reflecting  
employees  
who applied  
for or  
were selected  
for open  
positions,
received  
promotions,  
or made  
lateral  
moves  
within  
the  
organization.  
Additionally,  
we continued  
strengthening  
key skills  
across
accelerated  
development  
programs  
focused  
on  
data  
science,  
agile  
methodologies,  
analytics,  
process  
efficiency,  
and  
product
management.  
During  
2025,  
approximately  
400  
employees  
participated  
in these  
programs,  
further  
enhancing  
the  
organization’s
talent.  

During  
2025,  
Popular  
successfully  
implemented  
the Executive  
Development  
Program,  
engaging  
over  
80 executive  
leaders  
in a
comprehensive  
initiative  
focused  
on strengthening  
key  
behaviors,  
including  
agility,  
accountability,  
collaboration,  
and leadership
mindset,  
aligned  
with  
our  
company  
values.  
In  
addition,  
we  
introduced  
the  
Middle  
Management  
Development  
Program,  
a two-
year  
development  
journey  
for  
over  
1,700  
leaders  
designed  
to  
reinforce  
alignment  
with  
the  
Corporation’s  
values  
and  
expected
behaviors  
while  
fostering  
sustainable  
organizational  
transformation.  
Furthermore,  
we provided  
our  
leaders  
with  
advanced  
tools
to support more  
effective and  
impactful performance  
discussions.
Our  
organizational  
effectiveness  
strategy  
was  
crucial  
in  
advancing  
organizational  
development  
through  
targeted  
initiatives,
including  
assessments,  
team  
integration  
activities,  
new  
manager  
integration  
facilitations,  
and  
team  
alignment  
sessions.  
These
efforts  
are  
designed  
to  
foster  
a  
cohesive,  
agile,  
and  
adaptable  
workforce  
capable  
of  
supporting  
the  
Corporation’s  
evolving
business objectives.
Enhancing Leadership  
Continuity through  
Strategic Succession  
Planning
Popular’s  
business  
strategy  
integrates  
succession  
planning  
to  
ensure  
effective  
and  
orderly  
leadership  
transitions.  
Succession
plans  
for senior  
management  
are  
developed  
by the  
Chief  
Executive  
Officer  
and  
presented  
to the  
Board  
of Directors.  
Popular’s
succession  
planning  
also  
leverages  
our  
Executive  
Talent  
Management  
Program  
to  
identify  
high-potential  
and  
high-performing
managers,  
providing  
them  
with  
targeted  
learning  
opportunities  
to  
enhance  
their  
skills  
and  
prepare  
them  
for  
future  
senior
management positions.
Employee Experience
Popular  
is  
committed  
to  
providing  
an  
exceptional  
employee  
experience  
that  
inspires  
our  
employees  
to  
deliver  
outstanding
service  
to  
our  
customers  
and  
communities.  
We  
recognize  
the  
evolving  
nature  
of  
our  
employees’  
needs  
and  
expectations  
and
have  
a  
robust  
approach  
to  
measuring  
and  
understanding  
their  
journey.  
Our  
employee  
engagement  
and  
experience  
survey
program  
includes  
biannual  
pulse surveys,  
an annual  
enterprise-wide  
survey,  
and additional  
surveys  
that assess  
the end  
-to-end
employee  
journey.  
We believe  
that these  
insights  
contributed  
to our  
ability  
to maintain  
a stable  
employee  
turnover  
rate of  
8.5%
as  
of  
the  
end  
of  
2025.  
Furthermore,  
our  
employee-experience  
efforts  
are  
reflected  
in  
record  
participation  
rate  
of  
77%  
and  
a
sustained  
employee-loyalty  
score of  
81%, positioning  
us above  
the 50th  
percentile  
of the Qualtrics  
global benchmark  
and above
the financial  
services industry  
average benchmark.

 
12
Board Oversight  
in Human Capital
The  
Talent  
and  
Compensation  
Committee  
of  
the  
Corporation’s  
Board  
of  
Directors  
has  
oversight  
responsibility  
for  
the
Corporation’s  
human  
capital  
management  
practices.  
As  
part  
of  
its  
responsibilities,  
the  
Talent  
and  
Compensation  
Committee
reviews  
and  
advises  
management  
on  
the  
Corporation’s  
overall  
compensation  
philosophy,  
programs  
and  
policies,  
and  
on  
the
Corporation’s  
talent  
acquisition  
and  
development,  
workforce  
engagement,  
succession  
planning,  
and  
corporate  
culture,  
among
other human capital  
matters.
We  
encourage  
you  
to  
review  
our Corporate  
Sustainability  
Report  
published  
on www.popular.com  
for more  
detailed  
information
regarding  
the Corporation’s  
human capital  
management  
programs  
and initiatives.  
The information  
on the  
Corporation’s  
website,
including  
the  
Corporation’s  
Corporate  
Sustainability  
Report,  
is  
not,  
and  
will  
not  
be  
deemed  
to  
be,  
a  
part  
of  
this  
Form  
10-K  
or
incorporated  
into any of the  
Corporation’s  
filings with  
the SEC.
Regulation and Supervision
Described below are the material elements of selected laws and regulations applicable to Popular, Popular North America
(“PNA”)  
and  
their  
respective  
subsidiaries.  
Such  
laws  
and  
regulations  
are  
continually  
under  
review  
by  
Congress  
and  
state
legislatures  
and  
federal  
and  
state  
regulatory  
agencies.  
Any  
change  
in  
the  
laws  
and  
regulations  
applicable  
to  
Popular  
and  
its
subsidiaries could have a material effect on the  
business of Popular and its subsidiaries. We will continue to  
assess our businesses
and risk management and compliance practices  
to conform to developments in the regulatory  
environment.
General
Popular and PNA are bank holding companies subject to consolidated supervision and  
regulation by the Federal Reserve
Board under  
the Bank  
Holding Company Act  
of 1956  
(as amended, the  
“BHC Act”). BPPR  
and PB  
are subject to  
supervision and
examination by applicable  
federal and state  
banking agencies including,  
in the  
case of BPPR,  
the Federal Reserve  
Board and the
Office of  
the Commissioner  
of Financial  
Institutions of  
Puerto Rico  
(the “Office  
of the  
Commissioner”), and, in  
the case  
of PB,  
the
Federal  
Reserve  
Board  
and  
the  
New  
York  
State  
Department  
of  
Financial  
Services  
(the  
“NYSDFS”).  
Popular’s  
broker-dealer  
/
investment adviser  
subsidiary,  
Popular Securities,  
LLC (“PS”)  
and investment  
adviser subsidiary  
Popular Asset  
Management LLC
(“PAM”)  
are subject  
to  
regulation by  
the SEC,  
the Financial  
Industry  
Regulatory Authority  
(“FINRA”), and  
the Securities  
Investor
Protection Corporation, among others. Other of our non-bank subsidiaries conduct reinsurance and  
insurance producer and agency
activities, which are  
subject to other  
federal, state and  
Puerto Rico laws  
and regulations as  
well as licensing  
and regulation by  
the
Puerto Rico Office of the Commissioner of Insurance and,  
for one insurance agency subsidiary, the NYSDFS.
Enhanced Prudential Standards
Under  
the  
Dodd-Frank  
Wall  
Street  
Reform  
and  
Consumer  
Protection  
Act  
(the  
“Dodd-Frank  
Act”),  
as  
modified  
by  
the
Economic  
Growth,  
Regulatory  
Relief,  
and  
Consumer  
Protection  
Act  
and  
the  
federal  
banking  
regulators’  
2019  
“Tailoring  
Rules,”
banking  
organizations are  
categorized based  
on status  
as  
a U.S.  
G-SIB,  
size  
and four  
other risk-based  
indicators. Among  
bank
holding companies with $100  
billion or more in  
total consolidated assets, the  
most stringent standards apply  
to U.S. G-SIBs,  
which
are subject to Category I standards,  
and the least stringent standards apply to Category IV organizations, which have between $100
billion and $250 billion in total consolidated assets and less than $75 billion in all four other risk-based indicators and  
which are also
not U.S. G-SIBs. Bank holding companies with total consolidated assets of $50 billion or more are subject to risk committee and risk
management requirements. As of December 31, 2025,  
Popular had total consolidated assets of $75.3 billion.

13
Transactions with Affiliates
BPPR  
and  
PB  
are  
subject  
to  
restrictions  
that  
limit  
the  
amount  
of  
extensions  
of  
credit  
and  
certain  
other  
“covered
transactions” (as defined in Section  
23A of the Federal  
Reserve Act) between BPPR or  
PB, on the  
one hand, and Popular,  
PNA or
any  
of  
our  
other  
non-banking  
subsidiaries,  
on  
the  
other  
hand,  
and  
that  
impose  
collateralization  
requirements  
on  
such  
credit
extensions. A bank may not engage in any covered transaction if the aggregate amount of the bank’s covered transactions with that
affiliate would exceed 10% of  
the bank’s capital stock and  
surplus or the aggregate amount of  
the bank’s covered transactions with
all non-bank affiliates would exceed 20%  
of the bank’s capital stock and  
surplus. In addition, any transaction between BPPR  
or PB,
on the one  
hand, and Popular,  
PNA or any  
of our other  
non-banking subsidiaries, on  
the other,  
is required to  
be carried out  
on an
arm’s length basis.
Source of Financial Strength
The  
Dodd-Frank Act  
requires bank  
holding companies,  
such  
as Popular  
and  
PNA, to  
act  
as  
a source  
of  
financial  
and
managerial strength to their subsidiary banks. Popular  
and PNA are expected to commit resources  
to support their subsidiary banks,
including at times when Popular  
and PNA may not be  
in a financial position to  
provide such resources. Any capital loans  
by a bank
holding company  
to any  
of its  
subsidiary depository  
institutions are  
subordinated in  
right of  
payment to  
depositors and  
to certain
other indebtedness of such subsidiary depository institution. In the  
event of a bank holding company’s bankruptcy,  
any commitment
by  
the  
bank  
holding  
company  
to  
a  
federal  
banking  
agency  
to  
maintain  
the  
capital  
of  
a  
subsidiary  
depository  
institution  
will  
be
assumed by  
the bankruptcy  
trustee and  
entitled to  
a priority  
of payment.  
BPPR and  
PB are  
currently the  
only insured  
depository
institution subsidiaries of Popular and PNA.
Resolution Planning and Resolution-Related Requirements
A
bank holding  
company with  
$250 billion  
or more  
in total  
consolidated assets  
(or that  
is a  
Category III  
firm based  
on
certain risk-based indicators described in the Tailoring  
Rules) is required to report periodically to the FDIC  
and the Federal Reserve
Board  
such  
company’s  
plan  
for  
its  
rapid  
and  
orderly  
resolution  
in  
the  
event  
of  
material  
financial  
distress  
or  
failure.  
In  
addition,
insured depository institutions with total  
assets of $50 billion or  
more are required to  
submit to the FDIC  
periodic contingency plans
for  
resolution  
in  
the  
event  
of  
the  
institution’s  
failure.  
In  
June  
2024,  
the  
FDIC  
finalized  
amendments  
to  
the  
resolution  
planning
requirements for insured depository institutions with  
$50 billion or more in  
total assets. The amendments require insured  
depository
institutions with  
between $50  
billion and $100  
billion in  
assets to submit  
informational filings on  
a three-year cycle,  
with an  
interim
supplement updating key information submitted in the off years. These amendments  
became effective October 1, 2024, and BPPR’s
first submission under the new rule is due by  
April 1, 2026.
On August  
29, 2023,  
the Federal  
Reserve Board,  
FDIC and  
Office of  
the Comptroller  
of the  
Currency (“OCC”)  
issued a
proposed  
rule  
that  
would  
require  
bank  
holding  
companies  
and  
insured  
depository  
institutions  
with  
$100  
billion  
or  
more  
in
consolidated assets (as well as their insured depository institution affiliates) to maintain minimum  
amounts of eligible long-term debt
(generally, debt  
that is unsecured, has  
a maturity greater than one  
year from issuance and satisfies  
additional criteria), subject to a
three-year phase-in  
period. The  
proposal would  
also apply  
“clean holding  
company” requirements  
to Category  
II through  
IV bank
holding companies,  
which would,  
among other  
things, prohibit  
those holding  
companies from  
entering into  
derivatives and  
certain
other financial  
contracts with  
third parties.  
As of  
December 31,  
2025, Popular,  
PNA, BPPR  
and PB’s  
total assets  
were below  
the
thresholds for applicability  
of these rules,  
except that BPPR  
is subject to  
the FDIC’s resolution  
planning requirements applicable to
insured depository institutions with more than $50  
billion but less than $100 billion in assets.
FDIC Insurance
Substantially all the deposits of BPPR and PB are insured up to applicable limits by the Deposit Insurance Fund (“DIF”) of
the  
FDIC,  
and  
BPPR  
and  
PB  
are  
subject  
to  
FDIC  
deposit  
insurance  
assessments  
to  
maintain  
the  
DIF.  
Deposit  
insurance
assessments are  
based on  
the average  
consolidated total  
assets of  
the insured  
depository institution  
minus the  
average tangible
equity of the institution during the assessment period. For larger  
depository institutions with over $10 billion in assets,  
such as BPPR
and PB, the FDIC uses a “scorecard” methodology, which considers CAMELS ratings, among  
other measures, that seeks to capture
both the probability that an individual large institution will  
fail and the magnitude of the impact on the DIF  
if such a failure occurs. The
FDIC has the ability  
to make discretionary adjustments to the  
total score based upon significant  
risk factors that are not  
adequately
captured in the calculations. The initial base deposit insurance assessment rate for larger depository institutions ranges from 3 to 30
basis  
points  
on  
an  
annualized  
basis.  
Taking  
into  
account the  
adjustments the  
FDIC  
may  
make  
to  
the  
base  
rate,  
the  
total  
base
assessment rate could range from 1.5 to 40 basis points  
on an annualized basis.
In  
October  
2022,  
the  
FDIC  
finalized  
a  
rule  
that  
increased  
initial  
base  
deposit  
insurance  
assessment  
rates  
by  
2  
basis
points, beginning with the first quarterly assessment period of 2023. The FDIC, as required under the Federal Deposit Insurance Act