Slide 1: Investor Presentation Third Quarter 2016
Exhibit 99.1 Investor Third Quarter Presentation 2016
Slide 2: Forward-Looking Statements
Forward-Looking This and June implied doesare presentation 30,subject notby 2016, undertake suchand toforward-looking contains risks Statements our to update other andforward-looking uncertainties. filings or revise statements. with anythe Please forward-looking statements Securities Those refer fil
Slide 3: Q3 2016 Earnings Highlights
Q3 Earnings covered (excluding Credit NPL NCO Strong Events Quarter •Capital Sale 21Loss Net NPAs Robust See 2016 of inflows, on income interest ratio slide 2016 PREPA decreased FDIC loans) capital; Highlights flat 5 DFAST for of margin: excluding arbitration from loan $46.8 reconciliation Common by
Slide 4: P.R. Government Exposure
P.R. Our quarter, Exposure Obligations family Outstanding ($ Central Public PRASA—1 PREPA—0 Total as Municipalities Direct 321Indirect Numbers Includes in %direct Public millions) of Central Government Corporations mortgage Government Tier primarily exposure Exposure toexposure COFINA may Sector 0of
Slide 5: Financial Summary (Unaudited)
Financial ($ (Unaudited) FDIC Gross Provision Personnel Professional Business OREO Goodwill Other Total Income 4Net inincome interest revenues thousands) provision operating non operating loss revenues expenses before tax promotion Summary impairment for costs -interest -share expense $income fees 3
Slide 6: GAAP to Non-GAAP Reconciliation
GAAP Income Pre-tax FDIC Goodwill (Unaudited) ($ U.S. Non Impact Bulk 1Adjusted 2R 10K. 5Refer epresents in -GAAP GAAP thousands) Sale to arbitration Reconciliation of effect tax the net Net impairment EVERTEC ofthe goodwill Popular Impact Net Significant Q2 Adjustments: WB income Income net arbitra
Slide 7: Popular's Strong Capital Ratios
Popular’s Strong Popular, 19.3 16.3 11.3 Common Q2 Capital 6Note: 2016 11.2 19.7 16.6 Capital 2016 Ratios Inc. Q3 stock Equity 16.3 capital DFAST 2016 (%) ratios 16.6 quarterly Tier levels for Results 1 Tier the remain dividend current 1 Risk-Based robust of quarter $0.15 withCapital are Common perp
Slide 8: NPLs and NPAs Highlights
NPAs, Highlights ?NPLs, 2,402 2,489 1,293 6.9% 2,002 932 5.5% 852 2.6% 1.9% NPLs Non-Performing ($ 2,276 1,738 9.6% 1,425 1,203 6.8% 7.6% 598 771 4.7% 3.3% 2.8% 2007 Mortgage 7Differences NPLs P.R. in630 933 806 millions) 2008 2.6% 2.2% 1,572 6.0% 4.0% 3.2% 2.8% 2,365 6.4% 12.0% 10.0% 8.0% 8.4% OREO
Slide 9: NPL Inflows Highlights
NPL ?Highlights Commercial, 32 42 91 23 22 10 Total 183 205 136 119 126 103 27 101 Excludes Mortgage ($ 105 94 89 579 Q3 U.S. 8Metrics P.R. 6in 113 31 26 19 11 16 94 85 80 13 4101 185 135 103 17 Inflows millions) 5NPL 787 28 17 23 95 commercial Q4 32exclude 106 22 18 16 92 8 consumer 9NPL 13 inflows
Slide 10: Additional Credit Quality Highlights
Additional Highlights Recoveries Q2 Provision-to-NCO ALLL-to-loans ALLL-to-NPL ALLL, 538 374% 526 85% 227% ALLL 308NCOs 32 31 83 43 58 35 -3 NCO Provision 1($ 2595% 55 50 Q3 -5 30 PLLL 9Metrics .08% 6.63% 10 in 42 50 46 59 48 45 2016 13 543 526 91% 12 millions) Loan 46 40 59 47 43 Loan ALLL/NCO Q4 f
Slide 11: Driving Shareholder Value
Driving Earnings •Continued 10 UniqueShareholder Robust EVTC ownership capital franchise loan growth with in and Value Common P.R. in Banco the provides U.S.Capital BHD Equity strong, León Tierstake stable 1 Capital revenue-generating of 16.6% Additional capacity Value
Slide 12: Appendix
Investor Third APPENDIX Quarter Presentation 2016
Slide 13: Who We Are: Corporate Summary
Who Corporate Industry Franchise Headquarters BHCs Loans Deposits Banking York, and NASDAQ Islands Market Summary Popular’s Banco de Insurance Subsidaries Popular LLC Puerto Assets Selected EVERTEC PRLP Transaction business bank 15.91% $209 ended •loans ¹Information 12 Adjusted Doing 24.9% Puerto U.
Slide 14: Puerto Rico Market Share by Category
Q2Mortgage Market Category Commercial Credit Mortgage Personal Auto Assets Popular’s Total 40% 42% 45% 47% 41% 35% 33% 36% 38% 23% 24% 2007 2Source: 13 2016 39% 37% 41% 34% 22% Loans 2008 Deposits Cards Under Leadership Market Puerto Loans position Puerto Loan 39% 35% 2009 loan & ¹& 21Management Lea
Slide 15: De-Risked Loan Portfolio Composition
De-Risked (Excluding Highlights The 2007 Collateralized Unsecured $Loan Commercial Consumer Mortgage Leases Legacy P.R. Q4 ($mm)(%)($mm)(%)($mm)(%) C&I Construction CRE Multifamily 21Total Differences 14in2007 Small NCOs millions Corporation P.R. U.S. Commercial SME Corp SME Corp ?$9,004 $16,304 Com
Slide 16: Earnings Highlights (Unaudited)
Earnings the ($ (Unaudited) million Non-interest adjustment $5.4 Total of Income Net 15 WB insecurities interest income million thousands) provision operating OREO related before tax Release-Financial of expense $income from income subsidiary 46,810 88,987 $2.2 and income to expenses for Q3 Q2 the r
Slide 17: Business Segments Results (Unaudited)
Business (Una Non-interest Gross Provision Operating Income ($ Balance Total Asset loans Non-performing Allowance ¹Net 16 Non-fully ininterest income millions millions) udite provision assets loans deposits 1Quality 3.09% revenues 1tax before Sheet Segments — for (reversal) expenses d) for 17,935 ex
Slide 18: Consolidated Credit Quality Summary
$Consolidated Loans Performing NPL Total Non-performing Legacy NPLs Net Commercial Construction Mortgage Legacy($1)($1)($0)($0)($1) Consumer Leases Write-downs/(recoveries)($5) NCOs Provision PLL Allowance 1ALL Differences 17in charge-offs Excluding millions to HFS—40 to Non HIP Held to $3 $1 averag
Slide 19: FDIC Loss Share Asset Composition
Composition $900 $798 $713 $600 $410 $500 $312 $219 $65 FDIC $- Single 18 $100 ($ $800 $700 $542 $393 $310 $214 Loss LSA family in$87 millions) $636 $400 $300 $200 FDIC Share of FDIC FDIC $152 Asset LSALSA Loss FDIC Commercial Share LSAAsset FDIC FDIC LSALSA FDIC Claims LSA FDIC in Dispute LSA FDIC
Slide 20: Popular, Inc. Credit Ratings
Popular, Our 2013 March BPOP April S&P October Moody’s bank 19 senior revised outlook 2014 January onMay Inc. B2 placed revised review unsecured 2015 Negative Fitch Credit to February February the 2016 for Moody’s raised general Ratings possible ratings Fitch May a to change S&P rating Moody’s BB- S
Slide 21: Investor Presentation Third Quarter 2016
Investor Third Quarter Presentation 2016