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Popular (BPOP) investor relations material

Popular Barclays 23rd Annual Global Financial Services Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025

Economic and business environment

  • Puerto Rico's economy remains strong, with robust activity, increased tourism, and significant federal funding supporting growth.

  • The island benefits from a resilient population, ongoing infrastructure investment, and a strong manufacturing base, especially in pharmaceuticals.

  • Recent military interest and potential increased spending could further stimulate infrastructure and economic development.

  • Foreign and local investments are rising, with several new projects and expansions underway.

  • The relationship between Puerto Rico and the federal government is productive, with substantial obligated funds for reconstruction and development.

Strategic priorities and transformation

  • The current transformation program is in its third year, focusing on customer primacy, simplicity, efficiency, and top performance.

  • Strategic objectives include being the number one bank for customers, operating simply and efficiently, and achieving top profitability.

  • The bank targets a 12% ROTCE by year-end, with aspirations for 14%, emphasizing profitability and employee experience.

  • Digital experience, data analytics, and payments are key areas of ongoing investment.

  • Early wins from transformation include strong performance in loan products and small business segments.

Loan growth and capital management

  • Loan growth guidance for the year is 3% to 5%, driven by commercial activity and supported by consumer lending in both Puerto Rico and the U.S.

  • Some headwinds are expected in the U.S. due to construction portfolio paydowns, but strong pipelines remain.

  • The bank is open to expanding its U.S. presence, especially in profitable niche businesses.

  • Active share repurchase programs are ongoing, with management viewing the share price as attractive.

  • Capital levels are strong, with a conservative approach due to geographic concentration, but plans are in place to gradually reduce capital ratios over time.

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Q3 202523 Oct, 2025
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Frequently asked questions

Popular, Inc. through its subsidiaries, offers a diverse range of banking products and services primarily in Puerto Rico, the United States, and the British Virgin Islands. The company's portfolio includes retail, mortgage, and commercial banking services. Popular, Inc. provides savings, NOW accounts, money market accounts, and other interest-bearing demand accounts, along with non-interest bearing demand deposits and certificates of deposit. Furthermore, it extends a variety of loans, such as commercial and industrial loans, commercial multi-family and real estate loans, residential mortgage loans, and consumer loans, which encompass personal loans, credit cards, automobile loans, home equity lines of credit, and other loans to individual borrowers. The firm also engages in construction loans and lease financing, including automobile loans/leases. Beyond banking, Popular, Inc. offers investment banking, auto and equipment leasing and financing, broker-dealer, and insurance services, complemented by debit cards and online banking services. The company is headquartered in Hato Rey, Puerto Rico, and its shares are listed on the Nasdaq.

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