Slide 1: Second Quarter 2016 Investor Presentation
Exhibit 99.1 InvestorQuarter Second Presentation 2016
Slide 2: Forward-Looking Statements
Forward This and other looking update are presentation filings or subject statements. Looking revise with toany the contains risks Statements Those forward-looking Securities andfilings forward-looking uncertainties. and areExchange available statement Please statements Commission on torefer the ref
Slide 3: Q2 2016 Quarter Highlights
Q2 2016 Net Strong Earnings NPLs (excluding Credit Capital Bulk 21Quarter income sale decreased margins: •Event See Highlights Robust ofNPL of approximately appendix after $89.0 inflows, Popular, by capital; tax $22 million for gain million Common excluding Inc. reconciliation $110 of and 4.31%, $0.
Slide 4: Exposure to the P.R. Government
P.R. Our the Exposure Loans Obligations family Outstanding ($ Central Public PRASA Municipalities 1321Indirect inprior current Public millions) to Corporations mortgage Government exposure Exposure Outstanding ($ Central Public PRASA — Numbers quarter Public toSector 00direct of P.R. Includes PREPA
Slide 5: Financial Results Summary (Unaudited)
Financial (Unaudited) ($ Non-GAAP¹ FDIC Gross Provision Personnel Professional Business OREO Other Total Income ¹Net See inincome interest revenues thousands) Appendix provision operating non operating loss revenues expenses before tax promotion Summary for (reversal) costs -interest -share expense
Slide 6: Capital
CapitalCapital Popular’s Common Popular, Note: Ratios Inc. stock capital ratios (%) quarterly levels for the remain dividend current robust of quarter $0.15 withare Common perpreliminary share Equity5 Tier 1 of 16.3%
Slide 7: Non-Performing Assets Highlights
Non-Performing Highlights NPAs, QoQ 2,489 NPLs, P.R. 5.5% 806 U.S. $11 2.8% —Commercial 1.9% a2007 the OREO properties($ 2,276 1,738 9.6% commercial quarter million 836 NPLs NPLs 2,402 2008 12.0% 10.0% excluding including up3.2% 1,572 by at Non-Performing 2009 NPLs at 2,365 1,293 2.6% in$551 $13 $27
Slide 8: NPL Inflows Highlights
NPL Highlights Total $4 205 ??P.R. 158 136 135 119 quarter 29 16 Excludes Commercial, 17 99 94 89 91 32 28 23 22 7210 Q2 million 27 16 105 94 95 113 85 79 31 26 22 11 U.S.101 136 13NPL NPL 11 23 9 92 86 80 59 19 mortgage 90 included 10 9517 23 94 42 consumer Inflows MetricsQ3 inflows 5183 inflows 3T
Slide 9: Additional Credit Metrics: NCOs and Provision
Additional NCOs Highlights Lower million, 1.47% related NCO Adjusted Q1 Provision 32 0.63% 58 43 ?12 Q2 in ALLL 538 132% 366% 529 167% 127% 86% 2016 55ALLL Q1 13 ratio 543 526decreased construction torespectively; at 90% 2016 80% Q3 to ($ 38$518 35 to 2 provision 536 526the to 31 NPL in of Credit NC
Slide 10: Driving Robust Shareholder Value
DrivingRobust Unique Earnings Continued Capital 9Additional franchise Shareholder capacity strong Valuecapital •in loan EVTC P.R. Value with growth provides ownership Common in the strong, U.S. and Equity Banco stable Tierrevenue-generating BHD 1 Capital Leónofstake 16.3%
Slide 11: Appendix
InvestorQuarter Second APPENDIXPresentation 2016
Slide 12: Who We Are: Popular Corporate Structure
Who North Corporate Franchise Industry Headquarters BHCs Banco Popular’s Loans Deposits Investments) Banking LLC York, Islands NASDAQ Selected EVERTEC PRLP Transaction Dominican 15.84% 15.74% 2015 Adjusted 24.9% Information We approximate New 2011 $23 in Popular stake Puerto stake Financial equity b
Slide 13: Popular's Market Share in Puerto Rico
Q1 2016 Market Assets Popular’s Total 45% 42% 40% 38% 41% 35% 24% 2007 22% Source: 12 Information 45% 39% 37% 41% 23% 2008 Deposits Under Leadership Market Puerto Puerto 39% 38% 2009 included Management (Net (net Rico 35% Category 2010 Rico in of of Office 36% pertains Puerto brokered) 2011 Market b
Slide 14: De-Risked Loan Portfolio Highlights
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 category, Note: 13in2007 Small NCOs millions Corporation P.R. U.S. Commercial SME Corp SME Corp ??SME1 $16,304
Slide 15: GAAP to Non-GAAP Reconciliation (Unaudited)
GAAP (Unaudited) Actual ($ (U.S. Provision Mortgage FDIC Personnel Equipment Professional Communications Business Amortization Other Total Income Basic Diluted Net Tangible ¹Market 14 Covered ininterest occupancy income thousands) non-interest operating GAAP) EPS non-interest real operating loss Imp
Slide 16: Business Segments Financial Highlights (Unaudited)
Business (Una Non-interest Gross Provision Operating Income ($ Balance Total Asset loans Non-performing Allowance ¹Net 15 Non-fully ininterest income millions millions) udite provision assets loans deposits 1(3) 3.07% Quality revenues before tax Sheet Segments for (reversal) expenses 4d) for 18,054
Slide 17: Consolidated Loans and Credit Quality Summary
$Consolidated Loans Performing NPL Total Non-performing Construction Legacy NPLs Net Commercial Construction($3) Legacy($1)($0)($0)($1) Mortgage Consumer Leases Write-downs/(recoveries)($5) NCOs Provision PLL Allowance ALL 21Average arbitration Note: in charge-offs Excluding millions to HFS to Non N
Slide 18: FDIC Loss Share Asset Composition
Composition ($ $410 $500 $542 $600 $636 $700 $713 $800 $798 $900 $312 $400 $219 $300 FDIC $- $142 $100 $72 $200 Q1 Other 17 in14millions) $393 $310 $214 LSA Loss Q2 14Receivable FDIC Share of Q3FDIC 14 Asset LSA Q4Loss FDIC from 14 Q1 Share FDIC LSA 15 Q2 Asset FDIC Commercial 15 Q3 LSA15FDIC Q4 FDI
Slide 19: Popular, Inc. Credit Ratings
Popular, Our 2013 March BPOP for upgrade January S&P Fitch BB- positive October Moody’s negative to economic environment in 18 outlook the Puerto possible senior from B+ revised 2014 BB- raised general onnegative stable to February due May Inc. Positive BPOP B2 placed revised Rico review B+; upgrade
Slide 20: Second Quarter 2016 Investor Presentation
InvestorQuarter Second Presentation 2016