Impaired financing receivables

June 30, 2019
Puerto Rico
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal			Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance			allowance
Commercial multi-family	$	1,032	$	1,055	$	5	$	-	$	-	$	1,032	$	1,055	$	5
Commercial real estate non-owner occupied		82,188		86,534		22,487		95,053		108,100		177,241		194,634		22,487
Commercial real estate owner occupied		110,682		129,882		5,932		26,795		58,970		137,477		188,852		5,932
Commercial and industrial		43,034		47,655		3,274		27,526		46,950		70,560		94,605		3,274
Construction		1,788		1,788		90		-		-		1,788		1,788		90
Mortgage		418,352		472,550		41,158		102,905		138,655		521,257		611,205		41,158
Leasing		865		865		234		-		-		865		865		234
Consumer:
Credit cards		26,643		26,643		3,512		-		-		26,643		26,643		3,512
Personal		70,058		70,058		18,706		-		-		70,058		70,058		18,706
Auto		1,150		1,150		232		-		-		1,150		1,150		232
Other		1,050		1,050		142		-		-		1,050		1,050		142
Total Puerto Rico	$	756,842	$	839,230	$	95,772	$	252,279	$	352,675	$	1,009,121	$	1,191,905	$	95,772

June 30, 2019
Popular U.S.
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal		Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance		allowance
Commercial multi-family	$	-	$	-	$	-	$	2,521	$	2,539	$	2,521	$	2,539	$	-
Commercial real estate owner occupied		-		-		-		1,440		1,713		1,440		1,713		-
Construction		-		-		-		12,060		18,127		12,060		18,127		-
Mortgage		6,894		7,245		2,392		2,499		2,864		9,393		10,109		2,392
Consumer:
HELOCs		8,132		8,133		1,859		1,705		1,787		9,837		9,920		1,859
Personal		28		28		4		85		85		113		113		4
Total Popular U.S.	$	15,054	$	15,406	$	4,255	$	20,310	$	27,115	$	35,364	$	42,521	$	4,255

June 30, 2019
Popular, Inc.
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal		Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance		allowance
Commercial multi-family	$	1,032	$	1,055	$	5	$	2,521	$	2,539	$	3,553	$	3,594	$	5
Commercial real estate non-owner occupied		82,188		86,534		22,487		95,053		108,100		177,241		194,634		22,487
Commercial real estate owner occupied		110,682		129,882		5,932		28,235		60,683		138,917		190,565		5,932
Commercial and industrial		43,034		47,655		3,274		27,526		46,950		70,560		94,605		3,274
Construction		1,788		1,788		90		12,060		18,127		13,848		19,915		90
Mortgage		425,246		479,795		43,550		105,404		141,519		530,650		621,314		43,550
Leasing		865		865		234		-		-		865		865		234
Consumer:
Credit Cards		26,643		26,643		3,512		-		-		26,643		26,643		3,512
HELOCs		8,132		8,133		1,859		1,705		1,787		9,837		9,920		1,859
Personal		70,086		70,086		18,710		85		85		70,171		70,171		18,710
Auto		1,150		1,150		232		-		-		1,150		1,150		232
Other		1,050		1,050		142		-		-		1,050		1,050		142
Total Popular, Inc.	$	771,896	$	854,636	$	100,027	$	272,589	$	379,790	$	1,044,485	$	1,234,426	$	100,027

December 31, 2018
Puerto Rico
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal			Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance			allowance
Commercial multi-family	$	932	$	932	$	4	$	-	$	-	$	932	$	932	$	4
Commercial real estate non-owner occupied		85,583		86,282		27,494		96,005		138,378		181,588		224,660		27,494
Commercial real estate owner occupied		113,592		132,677		7,857		26,474		60,485		140,066		193,162		7,857
Commercial and industrial		65,208		67,094		16,835		10,724		20,968		75,932		88,062		16,835
Construction		1,788		1,788		56		-		-		1,788		1,788		56
Mortgage		408,767		458,010		38,760		100,701		135,084		509,468		593,094		38,760
Leasing		1,099		1,099		320		-		-		1,099		1,099		320
Consumer:
Credit cards		28,829		28,829		4,571		-		-		28,829		28,829		4,571
Personal		72,989		72,989		19,098		-		-		72,989		72,989		19,098
Auto		1,161		1,161		228		-		-		1,161		1,161		228
Other		1,256		1,256		186		-		-		1,256		1,256		186
Total Puerto Rico	$	781,204	$	852,117	$	115,409	$	233,904	$	354,915	$	1,015,108	$	1,207,032	$	115,409

December 31, 2018
Popular U.S.
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal		Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance		allowance
Construction	$	-	$	-	$	-	$	12,060	$	18,127	$	12,060	$	18,127	$	-
Mortgage		7,237		8,899		2,451		2,183		3,127		9,420		12,026		2,451
Consumer:
HELOCs		6,236		6,285		1,558		1,498		1,572		7,734		7,857		1,558
Personal		631		631		252		142		143		773		774		252
Total Popular U.S.	$	14,104	$	15,815	$	4,261	$	15,883	$	22,969	$	29,987	$	38,784	$	4,261

December 31, 2018
Popular, Inc.
	Impaired Loans – With an						Impaired Loans
	Allowance						With No Allowance				Impaired Loans - Total
			Unpaid						Unpaid				Unpaid
	Recorded		principal		Related		Recorded		principal		Recorded		principal		Related
(In thousands)	investment		balance		allowance		investment		balance		investment		balance		allowance
Commercial multi-family	$	932	$	932	$	4	$	-	$	-	$	932	$	932	$	4
Commercial real estate non-owner occupied		85,583		86,282		27,494		96,005		138,378		181,588		224,660		27,494
Commercial real estate owner occupied		113,592		132,677		7,857		26,474		60,485		140,066		193,162		7,857
Commercial and industrial		65,208		67,094		16,835		10,724		20,968		75,932		88,062		16,835
Construction		1,788		1,788		56		12,060		18,127		13,848		19,915		56
Mortgage		416,004		466,909		41,211		102,884		138,211		518,888		605,120		41,211
Leasing		1,099		1,099		320		-		-		1,099		1,099		320
Consumer:
Credit Cards		28,829		28,829		4,571		-		-		28,829		28,829		4,571
HELOCs		6,236		6,285		1,558		1,498		1,572		7,734		7,857		1,558
Personal		73,620		73,620		19,350		142		143		73,762		73,763		19,350
Auto		1,161		1,161		228		-		-		1,161		1,161		228
Other		1,256		1,256		186		-		-		1,256		1,256		186
Total Popular, Inc.	$	795,308	$	867,932	$	119,670	$	249,787	$	377,884	$	1,045,095	$	1,245,816	$	119,670

For the quarter ended June 30, 2019
	Puerto Rico				Popular U.S.				Popular, Inc.
	Average		Interest		Average		Interest		Average		Interest
	recorded		income		recorded		income		recorded		income
(In thousands)	investment		recognized		investment		recognized		investment		recognized
Commercial multi-family	$	978	$	12	$	1,261	$	-	$	2,239	$	12
Commercial real estate non-owner occupied		176,552		2,512		-		-		176,552		2,512
Commercial real estate owner occupied		138,552		1,671		1,566		-		140,118		1,671
Commercial and industrial		67,976		725		-		-		67,976		725
Construction		1,788		-		12,060		-		13,848		-
Mortgage		518,311		4,026		9,416		34		527,727		4,060
Leasing		942		-		-		-		942		-
Consumer:
Credit cards		27,261		-		-		-		27,261		-
HELOCs		-		-		9,013		-		9,013		-
Personal		70,833		69		456		-		71,289		69
Auto		1,157		-		-		-		1,157		-
Other		1,144		-		-		-		1,144		-
Total Popular, Inc.	$	1,005,494	$	9,015	$	33,772	$	34	$	1,039,266	$	9,049

For the quarter ended June 30, 2018
	Puerto Rico				Popular U.S.				Popular, Inc.
	Average		Interest		Average		Interest		Average		Interest
	recorded		income		recorded		income		recorded		income
(In thousands)	investment		recognized		investment		recognized		investment		recognized
Commercial multi-family	$	414	$	-	$	-	$	-	$	414	$	-
Commercial real estate non-owner occupied		132,842		1,681		-		-		132,842		1,681
Commercial real estate owner occupied		153,007		1,596		-		-		153,007		1,596
Commercial and industrial		69,493		702		-		-		69,493		702
Construction		3,426		-		8,951		-		12,377		-
Mortgage		509,215		3,789		9,401		43		518,616		3,832
Leasing		1,246		-		-		-		1,246		-
Consumer:
Credit cards		33,293		-		-		-		33,293		-
HELOCs		-		-		5,436		-		5,436		-
Personal		65,796		115		773		-		66,569		115
Auto		1,399		-		-		-		1,399		-
Other		1,338		-		-		-		1,338		-
Total Popular, Inc.	$	971,469	$	7,883	$	24,561	$	43	$	996,030	$	7,926

For the six months ended June 30, 2019
	Puerto Rico				Popular U.S.				Popular, Inc.
	Average		Interest		Average		Interest		Average		Interest
	recorded		income		recorded		income		recorded		income
(In thousands)	investment		recognized		investment		recognized		investment		recognized
Commercial multi-family	$	963	$	24	$	840	$	-	$	1,803	$	24
Commercial real estate non-owner occupied		178,230		4,361		-		-		178,230		4,361
Commercial real estate owner occupied		139,056		3,173		1,044		-		140,100		3,173
Commercial and industrial		70,628		1,512		-		-		70,628		1,512
Construction		1,788		-		12,060		-		13,848		-
Mortgage		515,363		8,025		9,417		73		524,780		8,098
Leasing		994		-		-		-		994		-
Consumer:
Credit cards		27,784		-		-		-		27,784		-
HELOCs		-		-		8,586		-		8,586		-
Personal		71,551		144		562		-		72,113		144
Auto		1,158		-		-		-		1,158		-
Other		1,181		-		-		-		1,181		-
Total Popular, Inc.	$	1,008,696	$	17,239	$	32,509	$	73	$	1,041,205	$	17,312

For the six months ended June 30, 2018
	Puerto Rico				Popular U.S.				Popular, Inc.
	Average		Interest		Average		Interest		Average		Interest
	recorded		income		recorded		income		recorded		income
(In thousands)	investment		recognized		investment		recognized		investment		recognized
Commercial multi-family	$	344	$	-	$	-	$	-	$	344	$	-
Commercial real estate non-owner occupied		126,208		3,104		-		-		126,208		3,104
Commercial real estate owner occupied		152,761		3,195		-		-		152,761		3,195
Commercial and industrial		65,676		1,397		-		-		65,676		1,397
Construction		2,284		25		5,967		-		8,251		25
Mortgage		509,154		10,229		9,348		87		518,502		10,316
Leasing		1,316		-		-		-		1,316		-
Consumer:
Credit cards		33,421		-		-		-		33,421		-
HELOCs		-		-		5,054		-		5,054		-
Personal		64,693		254		770		-		65,463		254
Auto		1,602		-		-		-		1,602		-
Other		1,228		-		-		-		1,228		-
Total Popular, Inc.	$	958,687	$	18,204	$	21,139	$	87	$	979,826	$	18,291

Troubled Debt Restructurings Loan Count By Type Of Modification

	Popular, Inc.
	For the quarter ended June 30, 2019				For the six months ended June 30, 2019
	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other
Commercial multi-family	-	1	-	-	-	1	-	-
Commercial real estate non-owner occupied	-	2	-	-	-	3	-	-
Commercial real estate owner occupied	1	5	-	-	1	15	-	-
Commercial and industrial	-	18	-	-	-	34	-	-
Mortgage	25	28	130	2	31	55	287	2
Leasing	-	-	1	-	-	-	1	-
Consumer:
Credit cards	161	-	-	54	283	-	1	120
HELOCs	-	6	5	-	-	12	9	-
Personal	192	1	-	1	344	3	-	1
Auto	-	2	1	-	-	4	1	-
Other	9	-	-	-	15	-	-	-
Total	388	63	137	57	674	127	299	123

	Popular, Inc.
	For the quarter ended June 30, 2018				For the six months ended June 30, 2018
	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other	Reduction in interest rate	Extension of maturity date	Combination of reduction in interest rate and extension of maturity date	Other
Commercial multi-family	-	1	-	-	-	1	-	-
Commercial real estate non-owner occupied	-	6	-	-	2	11	-	-
Commercial real estate owner occupied	3	23	-	-	3	42	-	-
Commercial and industrial	1	31	-	-	4	50	-	-
Construction	-	-	-	-	1	-	-	-
Mortgage	26	6	67	22	45	10	103	45
Leasing	-	-	1	-	-	-	1	-
Consumer:
Credit cards	180	-	3	160	311	-	3	310
HELOCs	-	7	3	-	-	12	7	-
Personal	468	1	-	-	628	3	-	-
Auto	-	2	1	-	-	2	2	-
Other	13	-	-	-	20	-	1	-
Total	691	77	75	182	1,014	131	117	355

T D R Loans Subsequent Default

Popular, Inc.
	Defaulted during the quarter endedJune 30, 2019			Defaulted during the six months ended June 30, 2019
(Dollars in thousands)	Loan count		Recorded investment as of first default date	Loan count		Recorded investment as of first default date
Commercial real estate non-owner occupied	-	$	-	1	$	47
Commercial real estate owner occupied	-		-	2		427
Commercial and industrial	2		6,998	3		7,048
Mortgage	11		602	19		1,347
Leasing	-		-	1		22
Consumer:
Credit cards	105		1,051	185		1,853
Personal	84		2,273	124		3,624
Other	1		2	1		2
Total	203	$	10,926	336	$	14,370

Popular, Inc.
	Defaulted during the quarter endedJune 30, 2018			Defaulted during the six months ended June 30, 2018
(Dollars in thousands)	Loan count		Recorded investment as of first default date	Loan count		Recorded investment as of first default date
Commercial real estate non-owner occupied	1	$	17	1	$	17
Commercial real estate owner occupied	1		50	3		136
Commercial and industrial	1		4	6		76
Mortgage	15		1,668	32		4,240
Consumer:
Credit cards	102		1,073	125		2,155
Personal	38		578	55		1,438
Auto	1		22	1		22
Other	2		8	2		8
Total	161	$	3,420	225	$	8,092

Allowance for credit losses on financing receivables

For the quarter ended June 30, 2019
Puerto Rico


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	188,931	$	822	$	137,856	$	9,109	$	147,665	$	484,383
	Provision (reversal of provision)		1,480		2,120		(1,213)		(572)		27,160		28,975
	Charge-offs		(5,395)		(30)		(9,996)		(2,331)		(37,920)		(55,672)
	Recoveries		5,211		84		1,283		701		11,226		18,505
Ending balance		$	190,227	$	2,996	$	127,930	$	6,907	$	148,131	$	476,191
Specific ALLL		$	31,698	$	90	$	41,158	$	234	$	22,592	$	95,772
General ALLL		$	158,529	$	2,906	$	86,772	$	6,673	$	125,539	$	380,419
Loans held-in-portfolio:
Impaired loans		$	386,310	$	1,788	$	521,257	$	865	$	98,901	$	1,009,121
Loans held-in-portfolio excluding impaired loans			6,953,539		107,170		5,781,701		990,681		5,199,449		19,032,540
Total loans held-in-portfolio		$	7,339,849	$	108,958	$	6,302,958	$	991,546	$	5,298,350	$	20,041,661

For the quarter ended June 30, 2019
Popular U.S.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Consumer		Total
Allowance for credit losses:
Beginning balance		$	35,558	$	6,674	$	4,442	$	829	$	18,742	$	66,245
	Provision (reversal of provision)		5,535		213		374		(332)		5,426		11,216
	Charge-offs		(6,344)		-		(343)		(20)		(5,609)		(12,316)
	Recoveries		553		-		113		297		1,367		2,330
Ending balance		$	35,302	$	6,887	$	4,586	$	774	$	19,926	$	67,475
Specific ALLL		$	-	$	-	$	2,392	$	-	$	1,863	$	4,255
General ALLL		$	35,302	$	6,887	$	2,194	$	774	$	18,063	$	63,220
Loans held-in-portfolio:
Impaired loans		$	3,961	$	12,060	$	9,393	$	-	$	9,950	$	35,364
Loans held-in-portfolio excluding impaired loans			4,872,793		704,401		886,608		23,893		441,025		6,928,720
Total loans held-in-portfolio		$	4,876,754	$	716,461	$	896,001	$	23,893	$	450,975	$	6,964,084

For the quarter ended June 30, 2019
Popular, Inc.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	224,489	$	7,496	$	142,298	$	829	$	9,109	$	166,407	$	550,628
	Provision (reversal of provision)		7,015		2,333		(839)		(332)		(572)		32,586		40,191
	Charge-offs		(11,739)		(30)		(10,339)		(20)		(2,331)		(43,529)		(67,988)
	Recoveries		5,764		84		1,396		297		701		12,593		20,835
Ending balance		$	225,529	$	9,883	$	132,516	$	774	$	6,907	$	168,057	$	543,666
Specific ALLL		$	31,698	$	90	$	43,550	$	-	$	234	$	24,455	$	100,027
General ALLL		$	193,831	$	9,793	$	88,966	$	774	$	6,673	$	143,602	$	443,639
Loans held-in-portfolio:
Impaired loans		$	390,271	$	13,848	$	530,650	$	-	$	865	$	108,851	$	1,044,485
Loans held-in-portfolio excluding impaired loans			11,826,332		811,571		6,668,309		23,893		990,681		5,640,474		25,961,260
Total loans held-in-portfolio		$	12,216,603	$	825,419	$	7,198,959	$	23,893	$	991,546	$	5,749,325	$	27,005,745

For the six months ended June 30, 2019
Puerto Rico


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	207,214	$	886	$	142,978	$	11,486	$	144,594	$	507,158
	Provision (reversal of provision)		(209)		2,039		4,848		(1,463)		55,214		60,429
	Charge-offs		(24,856)		(52)		(23,170)		(4,427)		(73,789)		(126,294)
	Recoveries		8,078		123		3,274		1,311		22,112		34,898
Ending balance		$	190,227	$	2,996	$	127,930	$	6,907	$	148,131	$	476,191
Specific ALLL		$	31,698	$	90	$	41,158	$	234	$	22,592	$	95,772
General ALLL		$	158,529	$	2,906	$	86,772	$	6,673	$	125,539	$	380,419
Loans held-in-portfolio:
Impaired loans		$	386,310	$	1,788	$	521,257	$	865	$	98,901	$	1,009,121
Loans held-in-portfolio excluding impaired loans			6,953,539		107,170		5,781,701		990,681		5,199,449		19,032,540
Total loans held-in-portfolio		$	7,339,849	$	108,958	$	6,302,958	$	991,546	$	5,298,350	$	20,041,661

For the six months ended June 30, 2019
Popular U.S.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Consumer		Total
Allowance for credit losses:
Beginning balance		$	31,901	$	6,538	$	4,434	$	969	$	18,348	$	62,190
	Provision (reversal of provision)		12,026		341		611		(1,187)		9,796		21,587
	Charge-offs		(9,825)		-		(594)		144		(11,260)		(21,535)
	Recoveries		1,200		8		135		848		3,042		5,233
Ending balance		$	35,302	$	6,887	$	4,586	$	774	$	19,926	$	67,475
Specific ALLL		$	-	$	-	$	2,392	$	-	$	1,863	$	4,255
General ALLL		$	35,302	$	6,887	$	2,194	$	774	$	18,063	$	63,220
Loans held-in-portfolio:
Impaired loans		$	3,961	$	12,060	$	9,393	$	-	$	9,950	$	35,364
Loans held-in-portfolio excluding impaired loans			4,872,793		704,401		886,608		23,893		441,025		6,928,720
Total loans held-in-portfolio		$	4,876,754	$	716,461	$	896,001	$	23,893	$	450,975	$	6,964,084

For the six months ended June 30, 2019
Popular, Inc.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	239,115	$	7,424	$	147,412	$	969	$	11,486	$	162,942	$	569,348
	Provision (reversal of provision)		11,817		2,380		5,459		(1,187)		(1,463)		65,010		82,016
	Charge-offs		(34,681)		(52)		(23,764)		144		(4,427)		(85,049)		(147,829)
	Recoveries		9,278		131		3,409		848		1,311		25,154		40,131
Ending balance		$	225,529	$	9,883	$	132,516	$	774	$	6,907	$	168,057	$	543,666
Specific ALLL		$	31,698	$	90	$	43,550	$	-	$	234	$	24,455	$	100,027
General ALLL		$	193,831	$	9,793	$	88,966	$	774	$	6,673	$	143,602	$	443,639
Loans held-in-portfolio:
Impaired loans		$	390,271	$	13,848	$	530,650	$	-	$	865	$	108,851	$	1,044,485
Loans held-in-portfolio excluding impaired loans			11,826,332		811,571		6,668,309		23,893		990,681		5,640,474		25,961,260
Total loans held-in-portfolio		$	12,216,603	$	825,419	$	7,198,959	$	23,893	$	991,546	$	5,749,325	$	27,005,745

For the quarter ended June 30, 2018
Puerto Rico - Non-covered loans


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	188,522	$	2,657	$	153,301	$	12,912	$	176,203	$	533,595
	Provision (reversal of provision)		10,364		(2,193)		6,955		2,530		26,749		44,405
	Charge-offs		(11,502)		(18)		(12,847)		(1,803)		(31,151)		(57,321)
	Recoveries		3,542		319		1,272		646		7,077		12,856
	Allowance transferred from covered loans		-		-		33,422		-		188		33,610
Ending balance		$	190,926	$	765	$	182,103	$	14,285	$	179,066	$	567,145
Specific ALLL		$	46,626	$	-	$	45,039	$	362	$	23,553	$	115,580
General ALLL		$	144,300	$	765	$	137,064	$	13,923	$	155,513	$	451,565
Loans held-in-portfolio:
Impaired non-covered loans		$	359,447	$	2,559	$	507,580	$	1,130	$	105,922	$	976,638
Non-covered loans held-in-portfolio excluding impaired loans			6,688,151		94,616		6,135,546		870,968		3,281,198		17,070,479
Total non-covered loans held-in-portfolio		$	7,047,598	$	97,175	$	6,643,126	$	872,098	$	3,387,120	$	18,047,117

For the quarter ended June 30, 2018
Puerto Rico - Covered Loans


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	-	$	-	$	33,422	$	-	$	188	$	33,610
	Provision		-		-		-		-		-		-
	Charge-offs		-		-		-		-		-		-
	Recoveries		-		-		-		-		-		-
	Allowance transferred to non-covered loans		-		-		(33,422)		-		(188)		(33,610)
Ending balance		$	-	$	-	$	-	$	-	$	-	$	-
Specific ALLL		$	-	$	-	$	-	$	-	$	-	$	-
General ALLL		$	-	$	-	$	-	$	-	$	-	$	-
Loans held-in-portfolio:
Impaired covered loans		$	-	$	-	$	-	$	-	$	-	$	-
Covered loans held-in-portfolio excluding impaired loans			-		-		-		-		-		-
Total covered loans held-in-portfolio		$	-	$	-	$	-	$	-	$	-	$	-

For the quarter ended June 30, 2018
Popular U.S.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Consumer		Total
Allowance for credit losses:
Beginning balance		$	47,859	$	7,092	$	4,727	$	652	$	13,043	$	73,373
	Provision (reversal of provision)		13,193		(155)		(346)		(229)		3,186		15,649
	Charge-offs		(11,247)		-		(61)		(14)		(4,998)		(16,320)
	Recoveries		1,115		-		43		291		1,722		3,171
Ending balance		$	50,920	$	6,937	$	4,363	$	700	$	12,953	$	75,873
Specific ALLL		$	-	$	-	$	2,476	$	-	$	1,283	$	3,759
General ALLL		$	50,920	$	6,937	$	1,887	$	700	$	11,670	$	72,114
Loans held-in-portfolio:
Impaired loans		$	-	$	17,901	$	9,728	$	-	$	6,563	$	34,192
Loans held-in-portfolio excluding impaired loans			4,542,395		784,247		723,857		29,250		447,458		6,527,207
Total loans held-in-portfolio		$	4,542,395	$	802,148	$	733,585	$	29,250	$	454,021	$	6,561,399

For the quarter ended June 30, 2018
Popular, Inc.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	236,381	$	9,749	$	191,450	$	652	$	12,912	$	189,434	$	640,578
	Provision (reversal of provision)		23,557		(2,348)		6,609		(229)		2,530		29,935		60,054
	Charge-offs		(22,749)		(18)		(12,908)		(14)		(1,803)		(36,149)		(73,641)
	Recoveries		4,657		319		1,315		291		646		8,799		16,027
Ending balance		$	241,846	$	7,702	$	186,466	$	700	$	14,285	$	192,019	$	643,018
Specific ALLL		$	46,626	$	-	$	47,515	$	-	$	362	$	24,836	$	119,339
General ALLL		$	195,220	$	7,702	$	138,951	$	700	$	13,923	$	167,183	$	523,679
Loans held-in-portfolio:
Impaired loans		$	359,447	$	20,460	$	517,308	$	-	$	1,130	$	112,485	$	1,010,830
Loans held-in-portfolio excluding impaired loans			11,230,546		878,863		6,859,403		29,250		870,968		3,728,656		23,597,686
Total loans held-in-portfolio		$	11,589,993	$	899,323	$	7,376,711	$	29,250	$	872,098	$	3,841,141	$	24,608,516

For the six months ended June 30, 2018
Puerto Rico - Non-covered loans


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	171,531	$	1,286	$	159,081	$	11,991	$	174,215	$	518,104
	Provision (reversal of provision)		31,298		(1,030)		14,419		5,444		50,992		101,123
	Charge-offs		(18,291)		30		(26,638)		(4,316)		(59,523)		(108,738)
	Recoveries		6,388		479		1,819		1,166		13,194		23,046
	Allowance transferred from covered loans		-		-		33,422		-		188		33,610
Ending balance		$	190,926	$	765	$	182,103	$	14,285	$	179,066	$	567,145
Specific ALLL		$	46,626	$	-	$	45,039	$	362	$	23,553	$	115,580
General ALLL		$	144,300	$	765	$	137,064	$	13,923	$	155,513	$	451,565
Loans held-in-portfolio:
Impaired non-covered loans		$	359,447	$	2,559	$	507,580	$	1,130	$	105,922	$	976,638
Non-covered loans held-in-portfolio excluding impaired loans			6,688,151		94,616		6,135,546		870,968		3,281,198		17,070,479
Total non-covered loans held-in-portfolio		$	7,047,598	$	97,175	$	6,643,126	$	872,098	$	3,387,120	$	18,047,117

For the six months ended June 30, 2018
Puerto Rico - Covered Loans


(In thousands)		Commercial		Construction		Mortgage		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	-	$	-	$	32,521	$	-	$	723	$	33,244
	Provision (reversal of provision)		-		-		2,265		-		(535)		1,730
	Charge-offs		-		-		(1,446)		-		(2)		(1,448)
	Recoveries		-		-		82		-		2		84
	Allowance transferred to non-covered loans		-		-		(33,422)		-		(188)		(33,610)
Ending balance		$	-	$	-	$	-	$	-	$	-	$	-
Specific ALLL		$	-	$	-	$	-	$	-	$	-	$	-
General ALLL		$	-	$	-	$	-	$	-	$	-	$	-
Loans held-in-portfolio:
Impaired covered loans		$	-	$	-	$	-	$	-	$	-	$	-
Covered loans held-in-portfolio excluding impaired loans			-		-		-		-		-		-
Total covered loans held-in-portfolio		$	-	$	-	$	-	$	-	$	-	$	-

For the six months ended June 30, 2018
Popular U.S.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Consumer		Total
Allowance for credit losses:
Beginning balance		$	44,134	$	7,076	$	4,541	$	798	$	15,529	$	72,078
	Provision (reversal of provision)		23,748		(139)		(464)		(706)		5,825		28,264
	Charge-offs		(19,643)		-		(143)		(171)		(11,314)		(31,271)
	Recoveries		2,681		-		429		779		2,913		6,802
Ending balance		$	50,920	$	6,937	$	4,363	$	700	$	12,953	$	75,873
Specific ALLL		$	-	$	-	$	2,476	$	-	$	1,283	$	3,759
General ALLL		$	50,920	$	6,937	$	1,887	$	700	$	11,670	$	72,114
Loans held-in-portfolio:
Impaired loans		$	-	$	17,901	$	9,728	$	-	$	6,563	$	34,192
Loans held-in-portfolio excluding impaired loans			4,542,395		784,247		723,857		29,250		447,458		6,527,207
Total loans held-in-portfolio		$	4,542,395	$	802,148	$	733,585	$	29,250	$	454,021	$	6,561,399

For the six months ended June 30, 2018
Popular, Inc.


(In thousands)		Commercial		Construction		Mortgage		Legacy		Leasing		Consumer		Total
Allowance for credit losses:
Beginning balance		$	215,665	$	8,362	$	196,143	$	798	$	11,991	$	190,467	$	623,426
	Provision (reversal of provision)		55,046		(1,169)		16,220		(706)		5,444		56,282		131,117
	Charge-offs		(37,934)		30		(28,227)		(171)		(4,316)		(70,839)		(141,457)
	Recoveries		9,069		479		2,330		779		1,166		16,109		29,932
Ending balance		$	241,846	$	7,702	$	186,466	$	700	$	14,285	$	192,019	$	643,018
Specific ALLL		$	46,626	$	-	$	47,515	$	-	$	362	$	24,836	$	119,339
General ALLL		$	195,220	$	7,702	$	138,951	$	700	$	13,923	$	167,183	$	523,679
Loans held-in-portfolio:
Impaired loans		$	359,447	$	20,460	$	517,308	$	-	$	1,130	$	112,485	$	1,010,830
Loans held-in-portfolio excluding impaired loans			11,230,546		878,863		6,859,403		29,250		870,968		3,728,656		23,597,686
Total loans held-in-portfolio		$	11,589,993	$	899,323	$	7,376,711	$	29,250	$	872,098	$	3,841,141	$	24,608,516

Allowance for credit losses on financing receivables

	ASC 310-30
	For the quarters ended				For the six months ended
(In thousands)	June 30, 2019		June 30, 2018		June 30, 2019		June 30, 2018
Balance at beginning of period	$	124,147	$	146,120	$	122,135	$	119,505
Provision		4,884		23,129		12,610		60,464
Net charge-offs		(8,213)		(12,921)		(13,927)		(23,641)
Balance at end of period	$	120,818	$	156,328	$	120,818	$	156,328