Slide 1: First Quarter 2016 Investor Presentation
Exhibit 99.1 First Quarter 2016 Presentation Investor
Slide 2: Forward Looking Statements
Forward The managements statements. extent information required Looking Please current bycontained Statements applicable refer expectations to our in law, this Annual presentation the andCorporation Report are subject on contains Form undertakes to risks 10-K forward-looking and for no uncertainties
Slide 3: Q1 2016 Earnings Highlights
Q1 2016 Reported Strong Earnings Credit (excluding covered 2CapitalNPLs margins: Robust loans) Highlights net NPL decreased income NCOs capital; inflows, Popular, of ratio Common by $85 excluding Inc. $2 ofmillion million 4.43%, 0.76% Equity consumer compared BPPR QoQ; TierNPL 4.87% 1loans, Capital
Slide 4: Exposure to P.R. Government and Public Sector
P.R. Our last the Exposure Loans million) Obligations family Outstanding ($ Central Public PRASA—1 PREPA Total as Municipalities Direct 31Indirect Numbers PREPA in %full quarter current Public millions) of Central to Government Corporations mortgage repayment Government 3Tier exposure Exposure Publi
Slide 5: Financial Summary (Unaudited)
Financial (Unaudited) ($ Non-GAAP FDIC Gross Provision Personnel Professional OREO Amortization Other Total Income Net 4See inAppendix interest revenues income thousands) provision operating non operating loss revenues expenses before tax Summary for (reversal) costs -interest -share expense $income
Slide 6: Popular's Capital Ratios
Populars Decrease Popular, 18.8 16.2 11.8 Common Q4 Capital 5Note: 2015 11.5 18.8 15.8 Capital Ratios Inc. Q1 capital in stock Equity 16.2 CET1 2016 ratios (%) 15.8 quarterly metrics Tier driven for1 Tier the continued dividend bycurrent 1the Risk-Based phase-in of quarter to $0.15 be robust provisi
Slide 7: NPLs, NPAs and OREOs Highlights
NPAs, Highlights OREOs NPLs, properties P.R. $13 driven -U.S. million single 2,402 2,489 1,293 6.9% 2,002 852 935 5.5% 1.9% 2.2% NPLs Non-Performing ($ 2,276 1,738 9.6% 1,425 1,203 6.8% 7.6% 598 771 4.7% 3.3% 2.8% 2007 2.6% Mortgage 6DMortgage Commercial ifferences in630 million 932 NPLs NPLs millio
Slide 8: NPL Inflows Highlights
NPL Highlights $4 P.R. driven Commercial, 32 42 48 59 91 22 23 10 Total 183 205 158 136 119 126 103 26 Excludes Mortgage ($ 110 99 94 589 79 Q1 U.S. 7M7etrics in million 113 31 22 11 29 105 94 85 13 517 101 185 158 135 103 commercial mortgage NPL Inflows millions) 6NPL 795 28 22 27 Q2 by 42exclude 2
Slide 9: Additional Credit Highlights
Additional Highlights Lower million $47 adjusted loans 529 584 299% 503 56% 84.8% 179% ALLL 1.55% 163 3200 81 42 NCO Provision 149 1169 71% 84% 58 55 48 Q1 30 PLLL 8M2etrics 31 79 235 11 55 47 13 million 526 508 113% 10 inLoan decrease ratio ($ 83 43 56 50 Loan ALLL/NCO Q2 at to ($ 8commercial Q4 re
Slide 10: Driving Shareholder Value
Driving2015 Unique Earnings Continued Robust Strong Capital 9Additional capital franchise Shareholder capacity strong Value DFAST with EVTC in loan Common P.R. Value Results growth ownership provides Equity in the strong, and U.S. Tier Banco stable 1 Capital BHD revenue-generating ofLeón 15.8% stake
Slide 11: Appendix
First Quarter Presentation Investor APPENDIX 2016
Slide 12: Who We Are
Who Corporate Industry Franchise Headquarters BHCs Loans Deposits Banking York, and NASDAQ Islands Market Information Doing Summary Populars Banco de Insurance Subsidaries Popular LLC Puerto United Assets Selected EVERTEC Transaction business 15.58% outsourcing Adjusted September [Graphic Dominican
Slide 13: Leadership in Puerto Rico Market Share
Q4 2015 Market Category Commercial Credit Personal Auto Assets Populars Total 42% 45% 40% 38% 35% 33% 36% 24% 2007 Source: except Mortgage 41% 39% 37% 38% 34% 23% Loans/Leases 2008 Loans Deposits Cards for Under Leadership Market Puerto Loans Puerto position Loan loan 39% 41% 35% 22% Credit 2009 *&
Slide 14: De-Risked Loan Portfolio Composition
De-Risked (Excluding Highlights reducing high The decreased to SME1 2007 Collateralized of Unsecured FICO Note: $Loan Commercial Consumer Mortgage Leases Legacy P.R. Q4 ($mm)(%)($mm)(%)($mm)(%) C&I Construction CRE Multifamily 21Total 13in43% Small NCOs consumer 2007 millions Corporation P.R. U.S. C
Slide 15: GAAP Reconciliation of Q4 2015 Results
GAAP Q4 of Impairment (Unaudited) Results ($ Provision Mortgage FDIC Personnel Equipment Professional Communications Business Amortization Restructuring Other Total Income Basic Diluted Net Tangible Market Covered 14 Loans in 2015 occupancy income interest thousands)(U.S. non-interest operating EPS
Slide 16: Business Segments Financial Highlights
Business P.R. (Una Non-interest Gross Provision loans(3) Operating Income ((Una ($ Total Asset loans Non-performing Allowance Net Non-fully 15 ininterest income U.S. millions) udite provision assets loans deposits 3.09% Quality udite revenues tax 1(4) Segments for (reversal) taxable expenses d) for
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Slide 18: Consolidated Credit Summary (Excluding Covered Loans)
Consolidated Credit Summary (Excluding Covered Loans) $ in million Q116 Q415 Q315 Q215 Qii5 Loans Held in Portfolio (HIP) $22,508 $22,346 $22,498 $22,435 $21,013 Performing HFS 83 92 123 151 152 NPL HFS | 43 45 | 48 51 8 Total Non Covered Loans $22,633 $ 22,483 $ 22,669 $ 22,637 $ 21,174 Non-perform
Slide 19: Consolidated Credit Summary
$Consolidated Loans Performing NPL Total Non-performing Legacy NPLs Net Commercial Construction Legacy($0)($0)($1) Mortgage Consumer Leases Write-downs NCOs Provision PLL Allowance 21ALL to Note: inthe Excluding charge-offs millions to HFS to Non Numbers ongoing HIP Held to $3 $2 average NCOs loans
Slide 20: Composition of FDIC Loss Share Asset
Composition $900($ $410 $500 $542 $600 $636 $700 $713 $800 $798 $312 $400 FDIC $- $149 $100 $70 $200 $219 $300 Q1 Single 17 14$310 $393 Loss LSA Q2 family in millions) 14 FDIC Share of Q3 FDIC FDIC 14 Asset LSAQ4 LSA Loss FDIC 14Commercial Q1 Share LSA 15 Q2 Asset FDIC 15 FDIC Q3 LSA15 LSA FDIC Q4Cl
Slide 21: Popular, Inc. Credit Ratings
Popular, Our 2013 March BPOP for upgrade January S&P Fitch BB- positive October Moodys negative to economic environment in 18 outlook the Puerto possible senior from B+ revised 2014 BB- raised general onnegative stable to February due May B2 placed revised Inc. Positive BPOP Rico review B+; upgraded
Slide 22: First Quarter 2016 Investor Presentation
First Quarter 2016 Presentation Investor