Exhibit 99.2 Investor Presentation Second Quarter 2025

Cautionary Note Regarding Forward-Looking Statements This presentation contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including without limitation those regarding Popular’s business, financial condition, results of operations and objectives, performance, earnings and expenses. These statements are not guarantees of future performance, are based on the current expectations of Popular, Inc.’s management and, by their nature, involve risks, uncertainties, estimates and assumptions. Potential factors, some of which are beyond our control, could cause actual results to differ materially from those expressed in, or implied by, such forward-looking statements. More information on the risks and important factors that could affect our future results and financial condition is included in our Form 10-K for the year ended December 31, 2024, our Form 10-Q for the quarter ended March 31, 2025 and the Form 10-Q for the quarter ended June 30, 2025, to be filed with the Securities and Exchange Commission. Our filings are available on our website (www.popular.com) and on the Securities and Exchange Commission website (www.sec.gov). We assume no obligation to update or revise any forward-looking statements which speak as of their respective dates. 2

Q2 2025 Highlights Financial Highlights Quarter Highlights ($ in millions, except per share information) Income Statement Q2 2025 Q1 2025 Change Q2 2024 Highlights: Net Income $ 2 10 $ 1 78 $ 3 2 $ 1 78 • Net interest income increased $26 million to $632 million Net Interest Margin (NIM) 3.49% 3.40% 0.09% 3.22% • NIM expanded 9 bps to 3.49%; fully taxable equivalent NIM 1 Net Interest Margin FTE 3.85% 3.73% 0.12% 3.48% expanded 12 bps to 3.85% Total Deposit Costs 1.78% 1.83% (0.05%) 2.10% • Loans held in portfolio grew $931 million or 2.5%, driven by EPS $ 3 .09 $ 2 .56 $ 0 .53 $ 2 .47 commercial and construction loans at both banks • Total deposits increased $1.4 billion or 2.1%; excluding P.R. public Financial Ratios deposits, customer deposits increased by $103 million ROA 1.11% 0.96% 0.15% 0.97% • Total deposit costs decreased 5 bps due to lower costs of P.R. 2 ROTCE 13.26% 11.36% 1.90% 11.77% public deposits in BPPR and deposits at Popular U.S. • Improved credit quality: Ending Balances - NPLs decreased $2 million to $312 million; NPL Ratio at Loans Held in Portfolio $ 38,185 $ 3 7,254 $ 9 31 $ 35,952 0.82% vs. 0.84% in Q1 Total Assets 76,065 74,039 2,026 72,845 - NCO Ratio of 0.45% vs. 0.53% in Q1 Total Deposits 67,217 65,819 1,398 65,531 - ACL-NPL Ratio of 247% vs. 243% in Q1 Borrowings 1,414 1,090 3 24 1,047 • Tangible book value per share increased $3.39 to $75.41 • Common Equity Tier 1 decreased 20 bps to 15.91% Credit Quality Non-Performing Loans (NPLs) $ 3 12 $ 3 14 $ ( 2) $ 3 42 NPL Ratio 0.82% 0.84% (0.02%) 0.96% Capital Actions: NCO Ratio 0.45% 0.53% (0.08%) 0.61% • Repurchased $112.0 million in common stock at an average price of ACL-NPL Ratio 247% 243% 4% 214% $98.54 per share • On July 16, 2025, we announced: ⁻ a new common stock repurchase program of up to $500 Capital million; as of July 15, 2025, approximately $32.8 million was Common Equity Tier 1 15.91% 16.11% (0.20%) 16.48% still available under the 2024 repurchase program Tangible Book Value Per Share $ 75.41 $ 72.02 $ 3.39 $ 62.71 ⁻ an increase in our quarterly common stock dividend from $0.70 to $0.75 per share, commencing with the dividend payable in the fourth quarter of 2025, subject to the approval by our Board of Directors 3 See Slide 14 for footnotes Differences due to rounding

Business Highlights BPPR Popular U.S. ($ in millions) Q2 2025 Q1 2025 Change Q2 2024 ($ in millions) Q2 2025 Q1 2025 Change Q2 2024 Loans Held in Portfolio $ 26,774 $ 26,093 $ 681 $ 25,111 Loans Held in Portfolio $ 11,380 $ 11,129 $ 251 $ 9,911 P.R. Public Deposits 20,918 19,622 1,296 19,722 Total Deposits 11,946 11,953 (7) 10,018 Total Deposits 55,882 54,647 1,235 54,548 Borrowings 7 54 431 323 428 Borrowings 67 66 1 1 27 Net Interest Margin 2.93% 2.74% 0.19% 3.01% Net Interest Margin 3.68% 3.63% 0.05% 3.40% Total Deposit Costs 2.95% 3.09% (0.14%) 2.55% Total Deposit Costs 1.52% 1.55% (0.03%) 1.83% Highlights: Highlights: • Loans held in portfolio increased $251 million: • Loans held in portfolio increased $681 million: - commercial and construction loans increased $251 million ⁻ commercial and construction loans increased $383 million - mortgage loans increased $13 million ⁻ mortgage loans increased $158 million - consumer loans decreased $13 million ⁻ auto loans and leases increased $76 million ⁻ personal loans increased $36 million • NIM increased 19 bps to 2.93%: ⁻ credit card balances increased $28 million ⁻ loan yields increased 14 bps to 6.00% - total deposit costs decreased 14 bps to 2.95% • NIM increased 5 bps to 3.68%: ⁻ investment securities yields increased 8 bps to 2.60% • Borrowings increased $323 million due to short-term FHLB advances ⁻ loan yields decreased 3 bps to 7.86% ⁻ total deposit costs decreased 3 bps to 1.52%: ⁻ interest-bearing deposit costs decreased 4 bps ⁻ P.R. public deposit costs decreased 10 bps 4 Differences due to rounding

Financial Summary Quarterly Results (unaudited) ($ in thousands, except EPS) Q2 2025 Q1 2025 Variance Net interest income $ 6 31,549 $ 6 05,597 $ 25,952 Provision for credit losses 48,941 64,081 (15,140) Net interest income after provision for credit losses $ 5 82,608 $ 5 41,516 $ 41,092 Banking fees 110,969 106,980 3 ,989 Asset management and insurance fees 28,379 26,582 1,797 Mortgage banking activities 4 ,872 3 ,689 1 ,183 Equity pickup and other income 24,257 14,810 9,447 Total non-interest income $ 1 68,477 $ 1 52,061 $ 16,416 Total personnel costs 229,355 212,713 16,642 Net occupancy 29,140 27,218 1,922 Technology and software expenses 84,696 83,668 1,028 Transactional services 37,861 37,781 80 Professional fees 28,108 26,825 1,283 Business promotions 26,385 23,675 2,710 Other expenses 57,216 59,132 (1,916) Total operating expenses $ 4 92,761 $ 4 71,012 $ 21,749 Income before income tax 258,324 222,565 35,759 Income tax expense 47,884 45,063 2,821 Net income $ 2 10,440 $ 1 77,502 $ 32,938 EPS $ 3.09 $ 2.56 $ 0.53 ROTCE 13.26% 11.36% 1.90% 5 Differences due to rounding

Net Interest Income and NIM Dynamics Quarter Highlights: Earning Assets 1 (ending balances, $ in billions) • Net interest income increased $26 million to $632 million $72.8 $70.8 $69.7 $69.2 $68.0 • Net interest margin increased 9 bps to 3.49% 0.14 70.00 $38.2 $37.3 • Net interest margin FTE of 3.85% increased 12 bps: $37.1 0.12 $35.6 $36.2 60.00 0.1 - Earning assets yield FTE increased 8 bps to 5.57% 50.00 7.52% 7.56% 7.51% 7.48% 7.50% 0.08 - Loan yield FTE increased 2 bps to 7.50% 40.00 0.06 30.00 - Total deposit costs decreased 5 bps to 1.78% $34.6 $33.6 $33.6 $32.6 $31.8 0.04 20.00 • Money market and investment securities increased $1.0 billion; 0.02 10.00 represent 48% of earning assets 3.47% 3.43% 3.50% 3.38% 3.29% - 0 • Loans held in portfolio increased $931 million Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 • Deposits increased $1.4 billion. Excluding P.R. public deposits, Money market and investment securities Loan balances customer deposits increased $103 million Loan yield (FTE) Money market and investment securities yield Net Interest Income and NIM Sources of Funds ($ in millions) 1 (ending balances, $ in billions) $632 $68.6 $66.9 $66.6 $606 $66.1 $64.7 $591 0.0600 $572 $568 0.07 600 $20.9 60.00 $19.6 $19.7 0.06 $19.5 0.0500 $18.7 500 50.00 0.05 5.57% 0.0400 5.53% 5.49% 5.49% 5.49% 400 4.24% 40.00 4.15% 0.04 3.70% 0.0300 300 30.00 3.32% 3.85% 0.03 3.22% 3.73% 3.62% 3.48% 3.47% 0.0200 $46.3 200 $45.8 $45.4 $46.2 $45.0 20.00 0.02 2.06% 2.01% 0.0100 100 1.87% 0.01 10.00 1.76% 1.72% 1.27% 1.23% 1.21% 1.17% 1.15% - 0 - - Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Net interest income NIM (FTE) Earning assets yield (FTE) Cost of funds Deposits, excl P.R. public deposits P.R. public deposits Borrowings P.R. public deposit costs Deposit Costs, excl P.R. public deposit costs See Slide 14 for footnotes 6 Differences due to rounding

Non-Interest Income Quarter Highlights: Change Q2 2025 vs • Non-interest income of $168.4 million, Q1 Q2 ($ in millions) increased $16.3 million Q2 2025 Q1 2025 Variance Q2 2024 2025 2024 • Banking fees higher by $4.0 million due to Service charges on deposits $ 38.8 $ 39.1 $ (0.2) $ 37.5 (1%) 3% Debit card fees 27.9 26.4 1.5 27.2 6% 3% increased credit and debit card transactions Credit card fees 32.5 30.1 2.4 30.7 8% 6% • Equity pickup and other income increased $9.4 Other fees 11.7 11.4 0.4 11.1 3% 6% million, including: Banking fees $ 111.0 $ 107.0 $ 4.0 $ 106.5 4% 4% - $2.6 million from equity method investments Insurance fees 12.7 11.3 1.4 13.4 12% (5%) Brokerage and asset management fees 9.1 9.0 0.1 7.8 1% 15% - $2.3 million related to a reimbursement Trust fees 6.6 6.3 0.3 6.6 5% 0% from the IRS on excess interest paid Asset management and insurance fees $ 28.4 $ 26.6 $ 1.8 $ 27.8 7% 2% - Positive fair value adjustment of $2.3 million Mortgage banking activities 4.9 3.7 1.2 5.7 32% (15%) for equity securities held for deferred benefit Equity pickup and other income 24.2 14.8 9.4 26.2 63% (8%) plans (which have an offsetting effect on Non-interest income $ 168.4 $ 152.1 $ 16.3 $ 166.3 11% 1% personnel costs) Non-Interest Income ($ in millions) $168 $168 180.00 $166 180.00 $164 $152 160.00 160.00 140.00 140.00 120.00 120.00 100.00 100.00 80.00 80.00 60.00 60.00 40.00 40.00 20.00 20.00 - - Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Banking fees Asset management and insurance Equity pickup and other income Mortgage banking activities Daily car rental income (sold in Q4 2024) 7 Differences due to rounding

Operating Expenses Change Q2 Quarter Highlights: 2025 vs • Operating expenses increased $21.7 Q1 Q2 $ in millions Q2 2025 Q1 2025 Variance Q2 2024 million or 5% to $492.7 million, mainly 2025 2024 due to higher personnel costs Salaries $ 132.8 $ 130.9 $ 1.8 $ 128.6 1% 3% 40.6 38.0 2.6 30.6 7% 32% Commissions and incentives ⁻ Personnel costs increased by $16.6 1 Pension, postretirement and other 43.1 43.8 (0.7) 38.2 (2%) 13% million, including a $13.0 million Profit sharing 13.0 0.0 13.0 0.0 - - accrual related to our profit-sharing Total personnel costs $ 229.4 $ 212.7 $ 16.6 $ 197.4 8% 16% plan Technology and software 84.7 83.7 1.0 79.8 1% 6% Transactional services 37.9 37.8 0.1 39.1 0% (3%) 1.3 37.7 5% (26%) Professional fees 28.1 26.8 7% 5% Net occupancy 29.1 27.2 1.9 27.7 11% 4% Business promotion 26.4 23.7 2.7 25.4 Other expenses 57.2 59.2 (2.0) 62.4 (3%) (8%) Operating expenses $ 492.7 $ 471.0 $ 21.7 $ 469.6 5% 5% Operating Expenses ($ in millions) 600.00 600.00 $493 $470 $471 $467 $468 500.00 500.00 400.00 400.00 300.00 300.00 200.00 200.00 100.00 100.00 - - Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Personnel costs Technology and professional fees Net occupancy and other expenses Business promotion and transactional services See Slide 14 for footnotes 8 Differences due to rounding

Capital Popular, Inc. Quarter Highlights: Q2 2025 Q1 2025 • Common Equity Tier 1 Ratio of 15.91% decreased 20 bps driven by loan growth and common stock repurchases 0.2 0.18 1 • TCE Ratio of 6.81% vs. 6.78% in Q1 2025 0.16 17.92% 17.70% 0.14 16.11% 16.17% 15.91% 15.96% • Tangible book value per share increased $3.39 to $75.41 0.12 0.1 0.08 • ROTCE of 13.26% 0.06 8.51% 8.50% 6.81% 6.78% 0.04 • Repurchased $112.0 million in common stock at an average price of 0.02 0 $98.54 per share Common Equity Tier 1 Risk- Total Risk-Based Tier 1 Leverage TCE • On July 16, 2025, we announced: Tier 1 Capital Based Capital Capital ⁻ a new common stock repurchase program of up to $500 million; as BPPR of July 15, 2025, approximately $32.8 million was still available 0.2 under the 2024 repurchase program; and 0.18 0.16 17.24% ⁻ an increase in our quarterly common stock dividend from $0.70 to 16.97% 0.14 15.97% 15.97% 15.70% 15.70% $0.75 per share, commencing with the dividend payable in the 0.12 0.1 fourth quarter of 2025, subject to the approval by our Board of 0.08 Directors 0.06 7.43% 7.20% 0.04 5.22% 4.91% 0.02 Common Equity Tier 1 0 Common Equity Tier 1 Risk- Total Risk-Based Tier 1 Leverage TCE 0.54% Tier 1 Capital Based Capital Capital (0.12%) 16.11% (0.29%) Popular U.S. 15.91% (0.33%) 0.16 0.14 14.49% 14.56% 0.12 13.65% 13.75% 13.65% 13.75% 0.1 11.49% 11.58% 10.96% 10.95% 0.08 0.06 0.04 0.02 0 Q1-25 Net income Dividends Repurchases RWA and other Q2-25 Common Equity Tier 1 Risk- Total Risk-Based Tier 1 Leverage TCE 9 See Slide 14 for footnotes Tier 1 Capital Based Capital Capital Note: Current period ratios are estimated

Non-Performing Assets Non-Performing Assets Quarter Highlights: ($ in millions) • Non-Performing Assets (NPAs) decreased $8 million $472 500 0.04 $444 $438 $435 $424 • Non-Performing Loans (NPLs) decreased $2 million 450 $412 $408 0.035 $366 400 $358 - BPPR NPLs decreased $4 million to $258 million 0.03 350 0.025 - Popular U.S. NPLs increased $2 million to $54 million 300 250 0.02 • NPL inflows decreased $4 million: 200 0.015 - BPPR decreased $5 million, driven by the commercial 150 0.7% 0.01 0.6% 0.6% 0.6% 0.6% portfolio 0.6% 0.6% 0.5% 0.5% 100 0.005 50 - Popular U.S. increased $1 million 0 0 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 NPLs OREO NPAs/Total Assets Non-Performing Loans NPL Inflows ($ in millions) ($ in millions) 450 0.04 $386 80 400 $362 $358 $361 $354 $351 0.035 $342 70 $314 $312 350 0.03 $34 60 300 0.025 $41 $48 $52 $37 250 50 0.02 200 $40 40 1.2% 0.015 $37 1.1% 1.0% 1.0% 1.0% $37 150 1.0% 0.9% $32 0.8% 0.8% 30 0.01 100 $35 20 0.005 50 $26 $23 10 0 0 $14 $9 $9 $9 $8 $6 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 0 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Commercial and Construction Mortgage Popular U.S. BPPR Other NPLs/Loans 10 Differences due to rounding

NCOs and Allowance for Credit Losses Quarter Highlights: • NCOs at $42 million and NCO Ratio of 0.45%, decreased by $7 million and 8 bps, respectively; led by lower consumer NCOs at BPPR • ACL-to-Loans Ratio at 2.02% vs. 2.05% in Q1 2025 Allowance for Credit Losses ACL Movement ($ in millions) ($ in millions) Reserve Reserve $45 $769 $762 Build Balance Balance Build Balance ACL/Loan Portfolios Q4 2024 (Release) Q1 2025 (Release) Q2 2025 Q2 2025 Commercial $ 271 $ 9 $ 279 $ ( 2) $ 277 1.35% $3 $3 Mortgage 82 2 84 1 85 1.01% $(2) $(42) Leases 16 4 20 (0) 20 1.01% Consumer: 376 2 379 9 387 5.38% Credit Cards 99 (3) 97 (4) 92 7.56% Personal Loans 104 (1) 103 2 105 5.38% Auto 166 6 172 10 182 4.72% Commercial Consumer Q1 Qualitative Q1 2025 ACL N NC CO O s s Ec Ec o on no o mm ic i Sc ce narios Qualitative Reserves Commercial Changes Consumer Changes Q2 2Q 022 5 ACL Other 7 0 7 1 8 4.60% portfolio portfolios 2025 scenarios reserves 2025 Total ACL $ 746 $ 16 $ 762 $ 7 $ 769 2.02% changes ACL changes ACL NCOs and NCO-to-Loans Ratio Consumer NCOs by Loan Portfolio ($ in millions) ($ in millions) 70 $67 $63 70 $62 $58 4.00% 5.00% $59 60 $55 $57 $54 $52 60 $51 $49 $49 50 50 $42 $42 3.00% $41 4.00% 3.56% $33 40 3.26% 3.16% 40 3.01% 2.85% 2.80% $24 2.003 % 0 $25 30 3.00% 2.41% 2.33% 20 20 0.71% 0.74% 0.66% 0.65% 0.61% 1.00% 0.53% 0.45% 2.00% 0.39% 1.52% 10 0.29% 10 - 0.00 % - 1.00% (10) (10) (20) -1.00% Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 0.00% (20) Commercial and Construction Mortgage Leases Consumer NCO% Credit Card Personal Auto Other NCO% 11 Differences due to rounding

Driving Value Market leader in Puerto Rico • Substantial capital and liquidity with diversified deposit base • Well-positioned to take advantage of market opportunities • Focused on customer service supported by broad branch network • Differentiated omnichannel experience • Diversified fee income Franchise • Strong risk-adjusted loan margins driven by a well-diversified portfolio Mainland U.S. banking operation provides geographic diversification • Commercial led strategy directed at small and medium sized businesses • National niche banking focused on homeowners’ associations, healthcare and non-profit organizations • Branch footprint in South Florida and New York Metro We continue to transform our organization to ensure long-term success. Our company-wide, multi-year effort is driving changes by: • Transforming our company: Deliver sustainable profitable growth for our shareholders and invest in technology foundations to enable greater agility, innovation, security and performance Transformation • Transforming customer opportunities: Deepen customer relationships and grow share of wallet, delivered through a modern omnichannel banking experience • Transforming our culture: Increase employee performance and satisfaction with more agile work processes that reinforce Popular’s values and desired behaviors • Repurchased $112.0 million in common stock at an average price of $98.54 per share • On July 16, 2025, we announced: ⁻ a new common stock repurchase program of up to $500 million; as of July 15, 2025, approximately $32.8 million was still available under the 2024 repurchase program Capital Actions ⁻ an increase in our quarterly common stock dividend from $0.70 to $0.75 per share, commencing with the dividend payable in the fourth quarter of 2025, subject to the approval by our Board of Directors 12

Guidance 2025 Guidance (Market Dependent) Original FY 2025 Guidance Q2 2025 Commentary for Q2 2025 Now expect 10%-11% YoY growth driven by fixed Net Interest Income 7%-9% increase for the year Updated asset repricing, loan growth and deposit balances $155 million - $160 million Now expect higher end of guidance for the year Non-Interest Income Updated per quarter based on YTD results and seasonal activity in Q4 Now expect 45-65 bps annualized due to credit NCOs 70-90 bps annualized Updated performance YTD and stable outlook for remainder of the year Now expect 4%-5% for the year due to profit Operating Expenses 4% increase for the year Updated sharing and performance-based incentives Now expect 18%-20% due to higher tax exempt Effective Tax Rate 19%-21% Updated income Reaffirm original guidance range of 3%-5% based 3%-5% accelerating as the Loan Growth Updated on YTD growth and expected repayments in Popular year progresses U.S. 13

Footnotes Slide 3: 1- Fully taxable equivalent (“FTE”) net interest margin represents a non-GAAP financial measure. See the Corporation's earnings press release, Form 10-Q and Form 10-K filed with the U.S. Securities and Exchange Commission for the applicable periods for the GAAP to non- GAAP reconciliation. 2- Return on average tangible common equity (“ROTCE”) represents a non-GAAP financial measure. See table R in the Corporation's earnings press release for the reconciliation of GAAP to non-GAAP financial measures. Slide 6: 1- Balances are as of end of period. Slide 8: 1- Pension, postretirement and other combines “pension, postretirement and medical insurance” and “other personnel costs, including payroll taxes” as presented in the Consolidated Statement of Operations. Slide 9: 1- TCE ratio is defined as the ratio of tangible common equity to tangible assets. 14

Investor Presentation Second Quarter 2025 Appendix

Corporate Structure Franchise Summary Corporate Structure Industry Financial Services Headquarters San Juan, Puerto Rico Assets = $76 billion Assets $76 billion (among top 50 Popular Holding Co. BHCs in the U.S.) Banco Popular Popular’s North (including Popular de Securities Insurance America, equity Puerto Rico LLC Subsidiaries Inc. investments) Loans $38 billion Popular Deposits $67 billion Bank Banking branches Earnin 1g 5s 3 in Puerto Rico, 40 in Earnings the U.S. (28 in New York and New Jersey and 12 in United States Operations Puerto Rico Operations Florida) and 9 in the U.S. Assets = $61 billion Assets = $15 billion and British Virgin Islands NASDAQ ticker symbol BPOP Selected equity investments: Banco BHD León under Corporate segment Market Cap $7.5 billion • Dominican Republic bank • 15.63% stake • 2024 net income of $272 million 16

Q2 2025 vs. Q1 2025 Financial Results BPPR Popular U.S. (Unaudited) ($ in millions) Q2 2025 Q1 2025 Variance Q2 2025 Q1 2025 Variance Net interest income $ 538 $ 522 $ 16 $ 1 02 $ 93 $ 9 Provision for credit losses 42 54 (12) 6 11 ( 5) Net interest income after provision for credit losses 496 468 28 9 6 82 14 Non-interest income 1 46 1 38 8 7 6 1 Operating expenses $ 422 $ 405 $ 17 $ 7 1 $ 66 $ 5 Income before income tax 2 20 2 01 1 9 3 2 22 1 0 Income tax expense 35 35 - 9 7 2 Net income $ 185 $ 166 $ 19 $ 2 3 $ 15 $ 8 Balance Sheet Highlights BPPR Popular U.S. (Unaudited) ($ in millions) Q2 2025 Q1 2025 Variance Q2 2025 Q1 2025 Variance Total assets $ 60,929 $ 59,289 $ 1,640 $ 1 4,865 $ 14,530 $ 335 Total loans HIP 26,774 26,093 681 1 1,380 11,129 251 Total deposits 55,882 54,647 1,235 1 1,946 11,953 ( 7) Asset Quality BPPR Popular U.S. Q2 2025 Q1 2025 Variance Q2 2025 Q1 2025 Variance Non-performing loans held-in-portfolio (HIP) / Total loans (HIP) 0.96% 1.00% (0.04%) 0.47% 0.47% 0.00% Non-performing assets / Total assets 0.50% 0.53% (0.03%) 0.37% 0.36% 0.01% Allowance for credit losses / Total loans (HIP) 2.53% 2.59% (0.06%) 0.79% 0.77% 0.02% 17 Differences due to rounding

Loan Composition and Yields Highlights: Loans Held-in-Portfolio Average Yield • Loans held-in-portfolio increased $931 (ending balances, million or 2.5%, compared to Q1 2025 $ in millions) Q2 2025 Q1 2025 Variance Q2 2025 (FTE) $ $ $ $ Commercial 19,090 18,566 524 18,676 6.73% ⁻ The increase was primarily driven by the commercial and construction Construction 1,468 1,359 109 1,459 8.19% portfolios in BPPR and Popular U.S., Mortgage 8,444 8,274 171 8,339 5.89% and the mortgage portfolio in BPPR 5,854 5,778 76 8.49% Auto loans and leases 5,901 • Average loan yield FTE of 7.50% Consumer 3,329 3,278 51 3,210 14.00% Total Loans $ 38,185 $ 37,254 $ 931 $ 37,585 7.50% Loan Composition (ending balances, $ in billions) 45.00 $38.2 40.00 $37.3 $37.1 $37.1 $36.2 $35.1 $3.3 35.00 $3.3 $3.3 $3.3 $32.1 $3.3 $3.3 $29.3 30.00 $3.1 $8.4 $8.1 $8.1 $8.3 $8.0 $2.6 $7.7 25.00 $7.4 $5.9 $7.5 $5.8 $5.8 $5.8 $5.7 $5.4 20.00 $1.5 $1.3 $1.3 $1.4 $5.1 $1.1 $1.0 $4.8 $0.8 15.00 $0.7 10.00 $19.1 $18.7 $18.7 $18.6 $18.1 $17.7 $15.7 $13.7 5.00 - 2021 2022 2023 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Commercial Construction Auto loans and Leases Mortgage Consumer 18 Differences due to rounding

Deposit Composition and Costs Highlights: • Deposits at $67.2 billion in Q2 2025, with P.R. public deposits representing 31% of total deposits • Total deposit costs excluding P.R public deposits demonstrate the stability of core deposits, low cost and low betas • Total cost of deposits at 1.78%, decreased 5 bps due to lower costs of P.R. public deposits in BPPR and deposits at Popular U.S. Deposit Composition (ending balances, $ in billions) 80.00 $67.2 $67.0 $65.5 $65.8 $64.9 $63.6 $63.7 70.00 $61.2 60.00 $20.4 $20.9 $19.6 $19.7 $19.5 $18.1 $18.7 $15.2 50.00 $6.7 $6.8 40.00 $8.4 $8.8 $7.9 $8.4 $8.4 $8.4 30.00 $15.9 $14.7 $14.6 $14.5 $14.6 $14.3 $14.1 $14.2 20.00 $8.3 $8.5 $7.7 $7.4 $7.2 $7.7 $8.0 $8.0 10.00 $16.0 $15.7 $15.4 $15.5 $15.3 $15.1 $15.2 $15.1 - 2021 2022 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Non-interest bearing NOW and Money market Savings Time deposits P.R. public deposits Deposit Costs Trends 4.24% 4.15% 0.045 3.69% 3.70% 0.04 3.32% 3.22% 0.035 0.03 2.16% 2.10% 0.025 1.96% 1.83% 1.78% 1.68% 0.02 0.015 0.67% 0.01 0.18% 0.39% 1.27% 0.005 1.23% 1.21% 1.17% 1.15% 0.91% 0.05% 0 0.29% 0.23% 2021 2022 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Total deposit costs Total deposit costs excl P.R. public deposit costs P.R. public deposit costs 19 Differences due to rounding

Deposit Beta • BPPR's retail and commercial accounts are low beta products and will react more slowly to changes in short-term interest rates • High beta P.R. public deposits represent 31% of total deposits • P.R. public deposits are linked to market rates but respond with a lag to changes in spot rates • We expect that higher beta products in Popular U.S. will show similar elasticity to declining rates through the cycle Deposits by Type Retail Int Bearing Deposits 6.00% 90% 78% 5.00% 80% 70% 4.00% 60% 50% 3.00% 40% 2.00% 30% 22% 20% 1.00% 10% 0.00% 0% Retail - Int Bearing Fed Funds Target Non-Int Bearing Int Bearing Deposit Mix (by Type) Deposit Mix Retail Commercial Public Wholesale Non Int Bearing 7% 15% 0% 0% 31% 9% 32% 5% Int Bearing 6.00% Commercial Int Bearing Deposits Public Int Bearing Deposits 6.00% 5.00% 5.00% 4.00% 4.00% 3.00% 3.00% 2.00% 2.00% 1.00% 1.00% 0.00% 0.00% Commercial - Int Bearing Fed Funds Target Public - Int Bearing Fed Funds Target 20 Jun-16 Jun-16 Dec-16 Dec-16 Jun-17 Jun-17 Dec-17 Dec-17 Jun-18 Jun-18 Dec-18 Dec-18 Jun-19 Jun-19 Dec-19 Dec-19 Jun-20 Jun-20 Dec-20 Dec-20 Jun-21 Jun-21 Dec-21 Dec-21 Jun-22 Jun-22 Dec-22 Dec-22 Jun-23 Jun-23 Dec-23 Dec-23 Jun-24 Jun-24 Dec-24 Dec-24 Jun-25 Jun-25 Jun-16 Jun-16 Dec-16 Dec-16 Jun-17 Jun-17 Dec-17 Dec-17 Jun-18 Jun-18 Dec-18 Dec-18 Jun-19 Jun-19 Dec-19 Dec-19 Jun-20 Jun-20 Dec-20 Dec-20 Jun-21 Jun-21 Dec-21 Dec-21 Jun-22 Jun-22 Dec-22 Dec-22 Jun-23 Jun-23 Dec-23 Dec-23 Jun-24 Jun-24 Dec-24 Dec-24 Jun-25 Jun-25

Investment Portfolio Quarter Highlights: $ in millions Q2 2025 Variance to Q1 2025 • Conservative investment portfolio, with the majority Maturity / Amortized % of Book Gain / Amortized Gain / invested in short to intermediate U.S. Treasuries, 1 Description Cost Portfolio Value (Loss) Yield WAL Cost (Loss) which are tax exempt for P.R. corporations Money Markets (Cash at Federal Reserve) $6,330 18.4% $6,330 $0 4.4% - $146 $0 • Investment portfolio duration of 2.0 years; including U.S. T-bills 7,909 23.0% 7,909 (0) 4.2% 0.1 (693) (1) cash, 1.6 years AFS U.S. Treasuries 7,531 21.8% 7,504 (27) 3.2% 1.4 1,798 33 • Unrealized loss in the AFS portfolio decreased by $63 Agency MBS/CMO 6,088 14.8% 5,077 ( 1,011) 1.8% 7.2 (172) 30 Total AFS 21,529 59.6% 20,489 ( 1,039) 3.2% 2.4 933 63 million 2 U.S. Treasuries 7,867 21.7% 7,480 (387) 1.3% 2.0 (152) 46 • Market value of U.S. Treasuries held to maturity stood HTM Other 63 0.2% 63 - 1.8% 13.8 0 - at $7.5 billion, approximately $20 million higher than Total HTM 7,930 21.9% 7,542 (387) 1.3% 2.1 (152) 46 book value Total Trading 30 0.1% 30 0 4.9% 6.2 2 (0) • Invested approximately $2.4 billion in U.S. Treasury Total Portfolio $35,819 100.0% $34,392 ($1,427) 3.0% 1.9 $929 $109 notes with an average duration of 1.4 years and a yield of approximately 4.0% Maturities: US Treasury Notes (AFS & HTM) 1,800 Maturity Profile 1,600 30% 28% Yield 26% 1,400 25% Legacy New 25% 1.35% 4.01% 1,200 20% 1,000 800 15% 11% 600 10% 400 5% 3% 3% 200 1% 1% 1% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% - 0 - 3 yrs 4 - 5 yrs 6 - 7 yrs 8 - 10 yrs Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Dec-26 Mar-27 Jun-27 Sep-27 Dec-27 Mar-28 Jun-28 Sep-28 Dec-28 Mar-29 Jun-29 Sep-29 UST Legacy (Pre 2024) UST New (2024-2025 Program) U.S. T-bills U.S. Treasuries - AFS U.S. Treasuries - HTM Agency MBS/CMO 1 Maturity expressed in years; In the case of mortgage-backed securities and CMO’s, it represents the weighted average life of the bonds assuming market consensus prepayment speeds 2 The book value includes $387 million of unrealized loss in AOCI related to the securities transferred from available-for-sale securities portfolio to the held-to-maturity with an unrealized loss of $873 million at the time of transfer, which will be amortized (back into capital) throughout their remaining life at a rate of approximately 5% per quarter through 2026. 21 Differences due to rounding $ Millions

Allowance for Credit Losses – Q2 2025 ACL Movement: ACL Movement • Moody’s baseline forecast assumes a slowdown in ( $ in millions) economic activity for the U.S. in 2025 and 2026 $45 $769 $762 • Changes in the forecast of income-based variables as well as the U.S. unemployment rate contributed to $3 higher reserves $3 $(2) $(42) • Increase in qualitative reserves was mainly reflected in the U.S. CRE portfolio Economic Scenarios: • Baseline scenario assigned the highest probability, Economic Commercial Consumer Q1 NCOs Qualitative Q2 Q1 2025 ACL NCOs Economic Scenarios Qualitative Reserves Commercial Changes Consumer Changes Q2 2025 ACL followed by the S3 (pessimistic) scenario scenarios portfolios 2025 portfolio reserves 2025 changes ACL changes ACL • The probability assigned to the S3 (pessimistic) scenario remains at elevated levels due to current uncertainty in the markets • 2025 annualized GDP growth (baseline): - P.R consistent with previous period at 0.30% - U.S. decreased to 1.28% from 2.25% • 2025 forecasted average unemployment rate (baseline): - P.R. remains near historically low levels at 5.60% - U.S. increased to 4.22% from 4.11% 22

Non-Owner Occupied CRE Portfolio Highlights: Non-Owner Occupied CRE • Non-Owner Occupied CRE (CRE NOO) exposure mainly in ($ in millions) $5,541 $5,521 retail, hotels and office space $5,363 $5,185 $5,005 • Office exposure limited to 1.8% of total loan portfolio and 5,000 $2,227 $2,191 $2,117 $2,037 2.0% $2,025 13% of CRE NOO: 4,000 1.30% 1.30% 1.06% 1.05% 1.02% 1.5% - Office space mainly in mid-rise properties with 3,000 $3,314 diversified tenants across both regions $3,247 $3,148 $3,330 $2,980 1.0% 2,000 - Average loan size at $2.4 million 0.30% 0.30% 0.5% 0.27% 1,000 0.20% 0.20% • Favorable credit risk profile with low level of NCOs, NPLs, criticized and classified loans 0 0.0% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 • Non-Performing loans flat at 0.25% of loans BPPR Popular U.S. NPL/Loans ACL/Loans • Allowance for credit losses to loans held-in-portfolio at 1.07% Non-Owner Occupied CRE Balance by property type Other Credit Metrics 7% Health Facility Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 4% Mixed use Retail 30-89 DPD/Loans 0.14% 0.26% 0.20% 0.07% 0.06% 5% 33% NPL/Loans 0.17% 0.19% 0.27% 0.26% 0.25% Industrial NCO Ratio -0.01% 0.00% -0.06% -0.05% -0.03% 8% ACL/Loans 1.28% 1.30% 1.02% 1.05% 1.07% ACL/NPL 754.88% 691.89% 377.29% 410.78% 422.98% Classified Loans/Loans 2.47% 1.34% 3.01% 3.23% 4.08% Shelters 11% Office Space 13% Hotels 19% 23

Multifamily Loan Portfolio Highlights: Multifamily Loans • 88% of the portfolio concentrated in Popular U.S. ($ in millions) $2,521 • Strong credit risk profile with low levels of delinquency, $2,406 $2,400 $2,385 $2,375 2,500 NCOs and classified loans: 1.4% $2,214 $2,100 $2,092 $2,080 $2,067 2,000 1.2% - 30-89 DPD/Loans at 0.44% 0.60% 0.57% 0.50% 1.0% 0.40% - Classified loans at 1.27% 1,500 0.38% 0.8% - NCO Ratio 0.00% 1,000 0.6% 0.43% 0.40% 0.40% 0.37% 0.37% • Allowance for credit losses (“ACL”) to loans held-in- 0.4% 500 portfolio at 0.67% 0.2% • New York portfolio: $305 $306 $308 $308 $306 0 0.0% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 - $1.5 billion or 3.9% of our total loan portfolio BPPR Popular U.S. NPL/Loans ACL/Loans - Underwritten based on current rental income at origination - No exposure to rent controlled buildings Multifamily Loans - Rent stabilized units represent less than 40% of the Balance by state total units in the loan portfolio with the majority Other originated after 2019 NJ 1% 4% PR 8% Credit Metrics Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 30-89 DPD/Loans 0.13% 0.12% 0.29% 0.23% 0.44% FL NPL/Loans 0.38% 0.37% 0.37% 0.37% 0.43% 28% NCO Ratio 0.00% 0.00% 0.00% 0.00% 0.00% NY 59% ACL/Loans 0.47% 0.40% 0.38% 0.57% 0.67% ACL/NPL 122.28% 109.72% 105.20% 153.90% 153.60% Classified Loans/Loans 1.12% 1.30% 1.10% 0.97% 1.27% 24

Auto Loan Portfolio Highlights: Delinquency Avg. 2011-2019 6/30/2025 ($in millions) • Improvements in credit quality of originations 6.17% 4.29% • Auto balances have steadily increased since the pandemic 4500 0.06 $3,862 $3,819 $3,821 $3,820 $3,773 $3,707 4000 $3,661 $3,633 $3,566 • Delinquency and NCOs at levels below the pre-pandemic 0.05 3500 benchmark in Q2 2025 $2,918 5.00% 4.73% 3000 0.04 4.67% 4.46% 4.29% • NCOs have continued to improve during 2025 4.20% 4.64% 2500 3.86% 0.03 3.66% 3.57% 2000 • FICO mix of originations have remained robust, with 1500 0.02 weighted-average FICO scores of approximately 739 1000 0.01 • Q2 2025 originations were approximately a 67%/33% split 500 $135 $131 $153 $173 $143 $168 $178 $191 $136 $166 between new/used auto loans 0 0 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 30+ DPD Portfolio 30+ DPD/Portfolio FICO Mix of Originations (% of approved amount) NCOs and NCO-to-Loan Ratio 739 737 732 731 729 723 721 719 720 ($ in millions) Avg. 2011-2019 YTD 700 100% 1.88% 1.05% 4% 5% 5% 6% 6% 6% 7% 7% 8% 2% 6% 4% 4% 3% 7% 7% 2% 600 9% 20 0.03 80% 23% 26% 24% 24% 23% 18 500 30% 26% 27% 0.025 26% 16 60% 14 2.44% 400 0.02 12 300 10 0.015 40% 8 70% 67% 66% 66% 65% 200 61% 60% 60% 0.01 58% 6 20% 4 100 0.005 0.68% 2 $17.6 $2.5 $9.7 $15.6 $13.8 $10.3 $16.9 $19.0 $13.5 $6.6 0 0 0% 0 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 700+ 625-699 <625 No FICO WA FICO Auto NCOs NCOs % 25

Credit Card Portfolio Highlights: Delinquency Avg. 2011-2019 6/30/2025 ($in millions) • Improvements in credit quality of originations 3.74% 4.01% • Balances continue to increase due to higher originations 1400 0.06 and increased usage post pandemic $1,218 $1,215 $1,187 $1,188 $1,163 0.055 $1,142 $1,136 $1,124 1200 $1,077 $1,057 0.05 • Delinquency and NCOs continue above the pre-pandemic 0.045 1000 4.85% benchmark, with delinquency showing improvements over 0.04 4.62% 4.58% 0.035 800 4.16% the prior quarter 4.09% 4.06% 4.01% 0.03 3.45% 3.44% 600 0.025 • FICO mix of originations have remained robust, with 2.84% 0.02 weighted-average FICO scores of approximately 772 400 0.015 0.01 200 0.005 $39 $30 $37 $46 $46 $48 $55 $59 $54 $49 0 0 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 30+ DPD Portfolio 30+ DPD/Loans FICO Mix of Originations NCOs and NCO-to-Loan Ratio (% of approved amount) 772 ($in millions) 768 754 753 Avg. 2011-2019 YTD 748 748 750 749 750 0% 2% 2% 2% 2% 3.67% 5.59% 3% 3% 4% 100% 5% 700 2% 1% 1% 1% 3% 2% 2% 3% 2% 20 0.07 600 18 80% 30% 32% 0.06 42% 45% 44% 16 43% 45% 500 45% 44% 5.78% 0.05 14 60% 400 12 0.04 10 300 40% 0.03 8 67% 65% 200 3.21% 55% 6 53% 0.02 51% 51% 50% 49% 49% 20% 4 100 0.01 2 $8.3 $6.5 $8.6 $10.8 $14.0 $13.7 $14.9 $16.9 $16.4 $17.3 0% 0 0 0 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Credit Card NCOs NCOs % 750+ 650-749 <650 No FICO WA FICO 26

P.R. Personal Loan Portfolio Highlights: Delinquency Avg. 2011-2019 6/30/2025 ($ in millions) • Credit quality of originations remains strong 3.61% 2.70% 2000 0.06 • Portfolio balances have increased since the pandemic, but $1,792 $1,776 $1,763 $1,754 $1,754 $1,756 $1,746 $1,745 $1,686 1800 at a slower pace since 2024 due to tightening measures 0.05 1600 $1,368 • Delinquency remained below the average pre-pandemic 1400 0.04 benchmark 1200 1000 0.03 • NCO ratio of 3.56% showed improvements over the prior 3.19% 3.15% 800 3.09% 3.01% 2.97% quarter 2.92% 2.87% 2.77% 2.70% 0.02 2.61% 600 • FICO mix of originations have remained robust, with 400 0.01 weighted-average FICO scores of 747 in recent vintages 200 $43 $44 $51 $53 $51 $54 $56 $53 $49 $48 0 0 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 30+ DPD Portfolio 30+ DPD/Loans FICO Mix of Originations NCOs and NCO- to Loan Ratio (% of approved amount) ($ in millions) Avg. 2011-2019 YTD 748 747 746 738 741 740 738 738 736 2.53% 3.86% 0% 0% 0% 1% 1% 2% 2% 3% 3% 700 100% 25 0.07 2% 3% 3% 3% 3% 3% 3% 4% 5% 600 0.06 80% 20 500 49% 48% 0.05 46% 51% 53% 56% 50% 56% 49% 60% 15 400 0.04 4.19% 300 0.03 3.56% 40% 10 200 0.02 49% 49% 49% 44% 20% 43% 43% 43% 5 40% 41% 100 0.01 $14 $13 $17 $20 $22 $21 $22 $23 $18 $16 0% 0 0 0 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q4 2019 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 750+ 650-749 <650 No FICO WA FICO Personal loan NCOs NCO % 27

P.R. Public Sector Exposure The Corporation does not own any loans issued by the P.R. central government or its public corporations. As of June 30, 2025, our direct exposure to P.R. municipalities amounted to $362 million, flat when compared to the prior quarter Municipalities Outstanding P.R. Sector Exposure Obligations of municipalities are backed by real and ($ in millions) Loans Securities Total personal property taxes, municipal excise taxes, and/or a percentage of the sales and use tax Municipalities $ 351 $ 1 1 $ 362 Indirect exposure Indirect exposure $ 168 $ 4 4 $ 212 Indirect exposure includes loans or securities that are payable by non-governmental entities, but which carry a government guarantee to cover any shortfall in collateral in the event of borrower default. Majority are single-family mortgage related 28

Popular’s Credit Ratings Senio Sr en U ior n U s ne sec cu u re rd e R d a tR ing a stings Fitch BBB- Stable Outlook S&P BB+ Stable Outlook Moody’s Ba1 Stable Outlook 2018 2019 2020 2021 2022 April April June Moody’s Moody's September April Fitch upgrades upgrades to upgrades to B1 Moody’s upgrades S&P upgrades to to BBB- from Ba3 from B1 from B2 May March to Ba1 from Ba3, BB+ from BB-, BB, revised Fitch Moody’s revised outlook to Fitch and S&P revised outlook May S&P revised outlook to upgrades to revised outlook Stable revised outlook to Stable Fitch revised outlook to Stable BB from BB- to Positive to Positive Positive outlook to Positive March S&P lowers outlook to Stable 29

Investor Presentation Second Quarter 2025