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Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Popular (BPOP) investor relations material
Popular Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $211.3 million, up slightly from the prior quarter, with EPS of $3.15, both reflecting higher revenues and margin expansion.
Results were driven by strong loan growth, expanding net interest margin, and disciplined expense management.
Credit quality was impacted by two large unrelated commercial loans, raising NPLs by $188–$190 million and the NPL ratio to 1.30%.
Customer deposit balances remained stable, though total deposits declined due to lower P.R. public deposits.
The company continues to progress toward its long-term 14% ROCI objective, exceeding 13% for the second consecutive quarter.
Financial highlights
Net interest income rose to $647 million, up $15 million sequentially, with net interest margin increasing to 3.51%.
Non-interest income was $171 million, up $3 million from Q2, aided by a $5 million retroactive lease payment.
Total operating expenses were $495 million, up $2.5–$3 million, including a $13 million non-cash goodwill impairment.
Provision for credit losses increased to $75.1 million from $48.9 million in Q2.
Deposits ended at $66.5 billion, down $704 million, mainly due to a decrease in P.R. public deposits.
Outlook and guidance
Loan growth for 2025 is now expected at 4–5%, up from the original 3–5% guidance.
Net interest income growth for 2025 is projected at 10–11%.
Q4 non-interest income expected between $160–$165 million; full-year non-interest income between $650–$655 million.
Full-year net charge-offs expected between 50–65 basis points, reflecting potential further charge-offs on specific exposures.
Effective tax rate for Q4 guided to 14–16%; full-year 2025 expected at 16–18%.
Credit risk outlook post-large NPL inflows?
Rationale for US mortgage exit & branch closures?
Balance sheet strategy for future NIM expansion?
Update on large C&I loan resolution timeline?
Future expense management beyond 2025 initiatives?
NIM expansion sustainability with future rate cuts?
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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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