Exhibit 99.1

 

 

Investor Presentation

Third Quarter 2015

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Forward Looking Statements

The information contained in this presentation contains forward-looking statements within the meaning of the Private Securities Litigation

Reform Act of 1995. These forward-looking statements are based on management’s current expectations and are subject to risks and uncertainties that may cause the Corporation’s actual results to differ materially from any future results expressed or implied by such forward-looking statements. Please refer to our Annual Report on Form 10-K for the year ended December 31, 2014, the Quarterly Reports on Form 10-

Q for the quarters ended March 31, 2015 and June 30, 2015 and our other filings with the SEC for a discussion of those factors that could impact our future results. Other than to the extent required by applicable law, the Corporation undertakes no obligation to publicly update or revise any forward-looking statement to reflect events or circumstances after the date of such statements.

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Q3 2015 Highlights

Reported adjusted net income of $93 million¹

Strong margins: Popular, Inc. 4.39%, BPPR 4.75%

NPLs increased by $59 million QoQ; ratio at 2.8%

NPL inflows, excluding consumer loans, up by $82 million QoQ

NCOs ratio of 0.83% compared to 0.89%² last quarter

Robust capital; Common Equity Tier 1 Capital ratio of 16.2%

Reinstated quarterly dividends

Finalized Doral conversions and integration

Continued strong US loan growth

Earnings

Credit

(excluding covered loans)

Capital

Quarter

Events

1

See appendix for reconciliation to GAAP.

² Excludes net write-downs related to held-for-sale reclassifications and classified asset sales.

2

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PR Public Sector Exposure

Our current direct exposure to the PR Government, instrumentalities, and municipalities is $ 635 million, of which

approximately $579 million is outstanding. The outstanding balance decreased by $94 million from Q2 2015 mostly due to

the decrease in PRASA ($75 million).

Central Government & Public Corporations Outstanding PR Government exposure 1

($ in millions) Loans Securities Total

Central Government securities exposure Central Government $ — $ 23 $ 23

consists of GDB notes guaranteed by the

Commonwealth and private insurance, senior Public Corporations

COFINA bonds and insured general obligation

bonds of the Commonwealth. PRASA 15 0 15

PREPA 44 0 44

Loans to Public Corporations are obligations that Total Central Govt & Public Corp. 59 23 82

have a pledge of a specific source of income or

revenues identified for their repayment. as % of Tier 1 Risk-Based Capital 2.0%

Municipalities 440 57 497

Direct Government Exposure $ 498 $ 80 $ 579

Municipalities

Obligations of municipalities are backed by real Indirect Exposure $ 336 $ 50 $ 386

and personal property taxes, municipal excise

taxes, and a percentage of the sales and use tax.

Indirect Exposure

Indirect exposure includes loans or instruments

that are payable by non-governmental entities

and have a government guarantee to cover any

shortfall in collateral in the event of borrower

default. Majority are single-family mortgage

related.

1

Numbers may not add to total due to rounding.

3

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Financial Summary (non-GAAP)¹

($ in thousands) Q3 2015 Q2 2015 Variance

Net interest income $ 350,735 $ 362,553 $ (11,818)

FDIC loss -share income 1,207 12,396 (11,189)

Other non -interest income 124,690 135,168 (10,478)

Gross revenues 476,632 510,117 (33,485)

Provision for loan losses – non -covered loans 59,442 60,468 (1,026)

Provision (reversal) for loan losses – covered loans (2,890) 15,766 (18,656)

Total provision for loan losses 56,552 76,234 (19,682)

Net revenues 420,080 433,883 (13,803)

Personnel costs 120,057 117,112 2,945

Professional fees 73,555 73,564 (9)

OREO expenses 7,686 22,859 (15,173)

Other operating expenses 99,462 108,744 (9,282)

Total operating expenses 300,760 322,279 (21,519)

Income from continuing operations before income tax 119,320 111,604 7,716

Income tax expense 25,912 21,513 4,399

Income from continuing operations $ 93,408 $ 90,091 $ 3,317

¹ Unaudited. See Appendix for reconciliation to GAAP.

4

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FDIC Loss Share Asset

Composition of FDIC Loss Share Asset

$900 ($ in millions)

$798

$800

$713

$700

$636

$600

$542

$500

$410 $393

$400

$312

$300

$80

$90

$200

$232 $142

$100

$-

FDIC LSA FDIC LSA FDIC LSA FDIC LSA FDIC LSA FDIC LSA FDIC LSA Q2 15 Claims Claims in Dispute

Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 submitted and in

process

Single family FDIC LSA Commercial FDIC LSA Commercial FDIC LSA Components

5

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Capital Ratios (%)

Popular’s capital metrics continued to be robust with Common Equity Tier 1 of 16.2%

Quarterly dividend reinstated

Popular, Inc.

Note: Capital ratios for the current quarter are preliminary

6

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De-risked Loan Portfolios

(Excluding covered loans) ($ in millions)

Highlights

The Corporation has de-risked its loan portfolios by Loan Composition (Held-in Portfolio)

reducing its exposure to asset classes with PR US Total

historically high loss content $ in millions Q4 2007 Q3 2015 Q4 2007 Q3 2015 Q4 2007 Q3 2015 Variance

Commercial $7,774 $7,522 $4,515 $2,609 $12,288 $10,130 ($2,158)

The PR commercial portfolio reductions include: Consumer 3,552 3,361 1,698 474 5,249 3,835 (1,414)

Mortgage 2,933 6,220 3,139 945 6,071 7,165 1,094

Commercial portfolio, including construction, Construction 1,231 109 237 584 1,468 692 (776)

has decreased from 55% of total loans held-in- Leases 814 607 — — 814 607 (207)

portfolio to 43% Legacy —— 2,130 68 2,130 68 (2,062)

Total $16,304 $17,819 $11,718 $4,679 $28,021 $22,498 ($5,523)

Construction portfolio is down by 91% since

Q4 2007

SME1 lending is down by 44% from Q4 2007 PR Commercial & Construction Distribution

Q4 2007 Q3 2015 Variance NCOs

Collateralized exposure now represents a larger 2

($mm) (%) ($mm) (%) ($mm) (%) Distribution

portion of consumer loan portfolio CRE SME 1 $2,938 33% $2,082 27% ($856) -29% 25%

Unsecured loan credit quality has improved as C&I SME 1 2,287 25% 855 11% (1,432) -63% 29%

overall FICO scores have increased C&I Corp 1,592 18% 1,848 24% 256 16% 5%

Construction 1,231 14% 109 1% (1,122) -91% 36%

CRE Corp 892 10% 2,603 34% 1,711 192% 4%

Multifamily 64 1% 134 2% 70 109% 1%

Total $9,004 $7,630 ($1,374) -15% 100%

1

Small and Medium Enterprise

2

NCOs distribution represents the percentage allocation of net charge-offs from Q1 2008 through Q3 2015 per each

loan category, excluding net charge-offs from previously covered loans up to Q2 2015.

Note: Numbers may not add to total due to rounding.

7

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Non-Performing Assets

Non-Performing Assets (including covered assets) ($ in millions)

NPAs, including covered loans, increased by $72 million

NPLs, including NPL HFS, up by $56 million, mainly driven by a small number of large commercial loans

OREOs up by $16 million

2,539 2,623

2,448 2,489

2,402 2,365

2,245 2,314 2,277 2,254 2,311

2,084 2,178 2,120

2,002

7.2%

6.9%

1,500 6.3% 6.4% 6.4% 6.3% 6.2% 1,420

1,293 5.7% 6.0% 6.0% 5.8% 5.9% 5.9% 5.8%

5.5%

1,142 1,101

971 1,026 993 944 932 956 956 943 933 935

$859 852 866 806 878

4.0% 3.8%

3.3%

2.4% 2.5% 2.7% 2.7% 2.6% 2.6% 2.6% 2.6% 2.8% 2.8% 2.6% 2.5%

2.1% 2.1% 2.2%

1.8% 1.9%

Q1 07 Q2 07 Q3 07 Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15

NPLs OREO NPL HFS NPAs/Total Assets

Non-Performing Loans (excluding covered loans) ($ in millions)

NPLs, excluding covered loans, increased by $59 million QoQ

NPLs to loans at 2.8% of loans compared to 2.6% in Q2 2015

BPPR NPLs at $610 million, or 3.4% of loans, up by $68 million ? US NPLs at $25 million, or 0.5% of loans, down by $9

Commercial NPLs up $56 million mostly associated with a $49M million

14.0%

commercial credit relationship

2,313

Mortgage NPLs up $12 million 2,276 2,330 2,344 12.0%

2,116

1,978

10.6% 1,732 1,738 10.0%

10.0% 10.4% 1,572 1,614 1,625 1,682 1,563

9.6% 1,550

1,404 1,425 8.0%

1,203 8.7% 8.4% 8.4% 8.2%

8.0% 7.9% 7.9%

1,008 1,028 7.6% 7.6% 7.5% 1,051

858 923 6.8% 6.0%

770 771 781

5.6% 614 618 598 635 640 622 630 665 576 635

4.7% 4.9% 4.0%

3.5% 3.9%

3.1% 3.3% 3.2% 3.3% 3.2%

2.4% 2.7% 2.8% 2.9% 2.9% 2.9% 2.8% 2.9% 2.6% 2.8% 2.0%

Q1 07 Q2 07 Q3 07 Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 0.0%

Mortgage Commercial & Construction Other NPL/Loans (HIP)

Differences due to rounding.

8

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NPL Inflows

Highlights Total NPL Inflows

Total NPL inflows increased by $82 million QoQ ($ in millions)

PR commercial inflows, including construction, up by 257

$74 million, mainly driven by certain large commercial

loans in the PR segment, the largest being a $49 210

million borrowing relationship 183 205

158 158

PR mortgage inflows increased by $8 million 136

126 136 135

119 185

US NPL inflows remained flat at $16 million 103

52

34 26 29 27 16 23 16 9 10 15 17 16

Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15

Excludes consumer loans US Inflows PR Inflows

Commercial, Construction, and Legacy NPL Inflows Mortgage NPL Inflows

($ in millions) ($ in millions)

167

157

100

110 17

94 99 105

94 94 89 95 92 90 86 94

59

43 48 113 91

42

32 31

42 28

26 22 22 22 19 23 17 10 8 5 7 5 6 4 5 3 8 6 12

10 11 7 2 9 5 11 6

Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15

US Inflows PR Inflows US Inflows PR Inflows Doral Inflows

Metrics exclude covered loans. Differences due to rounding.

9

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Additional Credit Metrics

Highlights

NCOs flat QoQ mainly driven by: NCO ($ in millions) and NCO-to-Loan Ratio

Lower commercial NCOs by $9 million, offset by

Higher consumer NCOs by $9M mostly related to $5 million of 200

163

recoveries in Q2 2015 from the sale of previously charged-off

credit card and auto loans

NCO ratio of 0.83% vs. 0.89% in Q2 2015

Adjusted provision of $59 million, flat QoQ 1.87%

3

Provision to NCO of 128% unchanged from Q2 2015 32 31 0.83%

96 101 81 79 0

ALLL at $536 million, increasing by $23 million QoQ; ALLL to 58 35 43 46 40 50 36 46 46

loans at 2.38% vs. 2.29% in Q2 2015 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15

ALLL to NPL coverage ratio at 84% in Q3 2015 vs. 89% in Q2 NCO Loan Sales Write-downs NCO% Loan Sales NCO%

2015

ALLL ($ in millions), ALLL-to-NCO and ALLL-to-NPL Ratios Provision ($ in millions) and Provision-to-NCO Ratio

636 622 289% 128%

584 169

529 526 538 543 526 522 520 516 513 536 149

87%

166%

84% 86

84 12 2 1

41% 58 55 55 56 59 59

48 47 50 50

30

Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15

ALLL ALLL/NCO ALLL/NPL PLLL Loan Sales PLLL PLLL/NCO Loan Sales PLLL/NCO

Metrics exclude covered loans. Differences due to rounding.

10

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Driving Shareholder Value

Doral conversions completed

Reinstated $0.15 per share quarterly dividend

Unique franchise in PR provides strong, stable revenue-generating capacity

Continued strong loan growth in the US

Robust capital with Common Equity Tier 1 Capital of 16.2%

EVTC ownership and Banco BHD León stake

Recent

Accomplishments

Earnings

Capital

Additional Value

11

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APPENDIX

Investor Presentation

Third Quarter 2015

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WhoCorporateWe Ar –StructurePopula , Inc.– Popular, Inc.

Franchise Summary Corporate Structure

Industry Financial services

Headquarters San Juan, Puerto Rico Assets = $36 billion

Assets $36 billion (among top 50

BHCs in the U.S.) Holding

Popular’s

Banco Popular Popular Popular North Companies

Insurance

Loans $23 billion de Puerto Rico Securities LLC America, Inc. (Including Equity

Subsidaries Investments)

Deposits $27 billion

Banking branches 232 in Puerto Rico, New Popular Auto, Banco Popular

LLC North America1

York, New Jersey, Florida

and U.S. and British Virgin

Islands Puerto Rico Operations United States Operations

NASDAQ ticker symbol BPOP Assets = $28 billion Assets = $7 billion

Market Cap $3.1 billion

Selected equity investments

EVERTEC and Banco BHD León under Corporate segment and joint ventures under BPPR segment

PRLP 2011 Holdings, LLC

Construction and

Transaction processing, Dominican Republic commercial loans vehicle

business processes bank 24.9% stake

outsourcing 15.84% stake

15.31% stake 2014 approximate PR Asset Portfolio 2013-1

Adjusted EBITDA of $205.0 net income of $123 International, LLC

million for the year ended June 30, million Construction, commercial

loans and OREOs vehicle

2015 24.9% stake

Information as of September 30, 2015 ¹ Doing business as Popular Community Bank

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Market Leadership in Puerto Rico

Popular’s Puerto Rico Market Share by Category

Q2 2015

Market Market

Category position share

Total Deposits (Net of brokered) * 1 44%

Total Loans * 1 41%

Commercial & Construction Loans * 1 44%

Credit Cards ¹ 1 53%

Mortgage Loan Production ¹ 1 34%

Personal Loans * 1 29%

Auto Loans/Leases 2 19%

Assets Under Management 3 15%

Popular’s Puerto Rico Market Share Trend

Total Deposits (net of brokered) Total Loans

44%

42% 41%

40% 39% 39%

38% 37% 35% 41%

38%

34% 35% 36%

33%

24% 23% 22%

2007 2008 2009 2010 2011 2012 2013 2014 Q2 2015

Source: Puerto Rico Office of the Commissioner of Financial Institutions, COSSEC, and 10K Reports.*Information included pertains to PR Commercial Banks and Credit Unions.

¹ Mortgage loan production and credit card data for certain competitors is not publicly available; figures presented for competitors were estimated.

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GAAP Reconciliation Q3 2015

Q3 2015 *

Impairment

of Loans Adjusted

Actual Under Results

Results BPNA Doral MSR’s Proposed (Non-

($ in thousands) (US GAAP) Reorganization Transaction Acquired Portfolio Sale GAAP)

Net interest income $ 350,735 $ — $ — $ — $ — $ 350,735

Provision for loan losses – non-covered loans 69,568 — — — 10,126 59,442

Provision (reversal) for loan losses – covered loans ¹ (2,890) — — — — (2,890)

Net interest income after provision for loan losses 284,057 — — — (10,126) 294,183

Mortgage banking activities 24,195 — 844 4,378 — 18,973

FDIC loss -share income 1,207 — — — — 1,207

Other non-interest income 105,707 — (10) — — 105,717

Total non-interest income 131,109 — 834 4,378 — 125,897

Personnel costs 120,863 — 806 — — 120,057

Net occupancy expenses 21,277 — 1,151 — — 20,126

Equipment expenses 14,739 — — — — 14,739

Professional fees 77,154 — 3,599 — — 73,555

Communications 6,058 — — — — 6,058

Business promotion 12,325 — 100 — — 12,225

Other real estate owned (OREO) expenses 7,686 — — — — 7,686

Restructuring costs 481 481 — — — -

Other operating expenses 46,314 — — — — 46,314

Total operating expenses 306,897 481 5,656 — — 300,760

Income from continuing operations before income tax 108,269 (481) (4,822) 4,378 (10,126) 119,320

Income tax (benefit) expense 22,620 — (1,050) 1,707 (3,949) 25,912

Income from continuing operations $ 85,649 $ (481) $ (3,772) $ 2,671 $ (6,177) $ 93,408

Income from discontinued operations, net of tax $ (9) $ (9) $ — $ — $ — $ -

Net income $ 85,640 $ (490) $ (3,772) $ 2,671 $ (6,177) $ 93,408

Basic EPS $ 0.82

Diluted EPS $ 0.82

Net interest margin 4.39%

Tangible common book value per common share $ 42.71

Market value per common share $ 30.23

*

Unaudited.

¹ Covered loans represent loans acquired in the Westernbank FDIC-assisted transaction that are covered under FDIC loss sharing agreements.

15

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GAAP Reconciliation Q2 2015

Q2 2015 *

Loss on Bulk Adjustment to

Actual Sale of FDIC Adjusted

Results BPNA Doral Reversal DTA—Covered Indemnification Results

($ in thousands) (US GAAP) Reorganization Transaction OTTI BPNA OREOs Asset (Non-GAAP)

Net interest income $ 362,553 $ — $ — $ — $ — $ — $ — $ 362,553

Provision for loan losses – non-covered loans 60,468 — — — — — — 60,468

Provision for loan losses – covered loans ¹ 15,766 — — — — — — 15,766

Net interest income after provision for loan losses 286,319 — — — — — — 286,319

Mortgage banking activities 21,325 — — — — — — 21,325

Other-than-temporary impairment losses on investment securities (14,445) — — (14,445) — — — -

FDIC loss -share income 19,075 — — — — 17,566 (10,887) 12,396

Other non-interest income 114,804 — 961 — — — — 113,843

Total non-interest income 140,759 — 961 (14,445) — 17,566 (10,887) 147,564

Personnel costs 120,977 — 3,865 — — — — 117,112

Net occupancy expenses 23,286 — 2,309 — — — — 20,977

Equipment expenses 15,925 — 725 — — — — 15,200

Professional fees 78,449 — 4,885 — — — — 73,564

Communications 6,153 — 70 — — — — 6,083

Business promotion 13,776 — 401 — — — — 13,375

Other real estate owned (OREO) expenses 44,816 — — — — 21,957 — 22,859

Restructuring costs 6,174 6,174 — — — — — -

Other operating expenses 53,618 — 509 — — — — 53,109

Total operating expenses 363,174 6,174 12,764 — — 21,957 — 322,279

Income from continuing operations before income tax 63,904 (6,174) (11,803) (14,445) — (4,391) (10,887) 111,604

Income tax expense (533,533) — (3,744) (2,486) (544,927) (1,712) (2,177) 21,513

Income from continuing operations $ 597,437 $ (6,174) $ (8,059) $ (11,959) $ 544,927 $ (2,679) $ (8,710) $ 90,091

Income from discontinued operations, net of tax $ 15 $ 15 $ — $ — $ — $ — $ — $ -

Net income $ 597,452 $ (6,159) $ (8,059) $ (11,959) $ 544,927 $ (2,679) $ (8,710) $ 90,091

Basic EPS $ 5.80

Diluted EPS $ 5.79

Net interest margin 4.54%

Tangible common book value per common share $ 41.73

Market value per common share $ 28.86

*

Unaudited.

¹ Covered loans represent loans acquired in the Westernbank FDIC-assisted transaction that are covered under FDIC loss sharing agreements.

16

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Business Segments (GAAP)*

PR US

($ in millions) Financial Results Q3 2015 Q2 2015 Variance Q3 2015 Q2 2015 Variance

Net interest income $ 304 $ 316 $ (12) $ 62 $ 62 $ -

Non-interest income 116 126 (10) 5 6 (1)

Gross revenues 420 442 (22) 67 68 (1)

Provision for loan losses – non-covered loans 69 60 9 1 — 1

Provision (reversal) for loan losses – covered

loans (3) 16 (19) — — -

Total provision for loan losses 66 76 (10) 1 — 1

Operating expenses 245 293 (48) 44 51 (7)

Income tax expense 28 17 11 1 (544) 545

Income from continuing operations $ 81 $ 56 $ 25 $ 21 $ 561 $ (540)

Net income $ 81 $ 56 $ 25 $ 21 $ 561 $ (540)

($ in millions) Balance Sheet Highlights Q3 2015 Q2 2015 Variance Q3 2015 Q2 2015 Variance

Total assets $27,968 $29,669 $ (1,701) $ 7,477 $ 7,459 $ 18

Total loans 18,653 18,804 (151) 4,680 4,521 159

Total deposits 22,052 23,079 (1,027) 4,849 4,793 56

Asset Quality (including covered assets) Q3 2015 Q2 2015 Variance Q3 2015 Q2 2015 Variance

Non-performing loans held-in-portfolio / Total

loans 3.29% 2.90% 0.39% 0.54% 0.76% (0.21)%

Non-performing assets / Total assets 3.03% 2.59% 0.44% 0.39% 0.51% (0.11)%

Allowance for loan losses / Total loans 2.89% 2.77% 0.12% 0.68% 0.66% (0.01)%

Net interest margin¹ 4.75% 4.92% -0.17% 3.91% 4.03% -0.12%

*

Unaudited

¹ Non-fully taxable equivalent

17

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Consolidated Credit Summary (Excluding Covered Loans)

$ in millions Q3 15 Q2 15 Q1 15 Q4 14 Q3 14

Loans Held in Portfolio (HIP) $22,498 $22,435 $21,013 $19,404 $19,359

Performing HFS 123 151 152 87 158

NPL HFS 48 51 8 19 20

Total Non Covered Loans $ 22,669 $ 22,637 $ 21,174 $ 19,511 $ 19,537

Non-performing loans (NPLs) $635 $576 $665 $631 $622

Commercial $239 $190 $274 $260 $252

Construction $4 $5 $13 $14 $19

Legacy $4 $5 $2 $2 $6

Mortgage $343 $331 $329 $305 $295

Consumer $41 $42 $44 $47 $47

Leases $3 $2 $3 $3 $3

NPLs HIP to loans HIP 2.82% 2.57% 3.16% 3.25% 3.21%

Net charge-offs (NCOs) $46 $46 $36 $50 $40

Commercial $7 $16 $4 $13 $0

Construction ($3) $2 ($3) ($0) ($1)

Legacy ($1) $0 ($2) ($4) $0

Mortgage $16 $11 $11 $12 $13

Consumer $25 $17 $25 $28 $27

Leases $1 $1 $1 $1 $1

Write-downs $0 $31 ($3) $3 $32

NCOs to average loans HIP 0.83% 0.89% 1 0.72% 1 1.04% 1 0.83% 1

Provision for loan losses (PLL) $59 2 $59 1 $30 1 $50 1 $56 1

PLL to average loans HIP 1.07% 2 1.06% 1 0.57% 1 1.02% 1 1.16% 1

PLL to NCOs 1.28x 2 1.28x 1 0.83x 1 0.99x 1 1.39x 1

Allowance for loan losses (ALL) $536 $513 $516 $520 $522

ALL to loans HIP 2.38% 2.29% 2.46% 2.68% 2.69%

ALL to NPLs HIP 84.42% 89.02% 77.63% 82.30% 83.88%

1

Excluding provision for loan losses and net write-downs related to the assets sales

2

Excluding the impact of the $10.1 million impairment on the WB loans the Corporation has the intent to sell and are subject to the ongoing arbitration with the FDIC.

Note: Numbers may not add to total due to rounding.

18

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Popular, Inc. Credit Ratings

Our senior unsecured ratings have remained stable

Moody’s B2 Negative

Fitch BB- Stable Outlook

S&P B+ Negative

2013 2014 2015

March

Moody’s placed

BPOP on review July

for possible On 7/10 S&P

January February upgrade due to a affirmed BPOP’s

Fitch raised to Moody’s placed change in their rating while

BB- from B+; BPOP on review bank rating maintaining a

outlook stable for downgrade methodology negative outlook

October May February May September

Moody’s revised Moody’s S&P placed Moody’s, as part Moody’s

outlook to downgraded BPOP on credit of a recalibration downgraded BPOP

negative BPOP to B2; watch negative of their bank to B2; outlook

outlook negative due to the rating model, negative

general upgraded BPOP

economic from B2 to B1

environment in with a stable

Puerto Rico outlook

19

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Investor Presentation

Third Quarter 2015