Slide 1: Investor Presentation Third Quarter 2015
Exhibit 99.1 Investor Third Quarter Presentation 2015
Slide 2: Forward-Looking Statements
Forward The Reform any Q the for Corporation future information theAct Looking quarters results of 1995. undertakes contained expressed Statements ended These March in no forward-looking orthis obligation implied 31,presentation 2015 byand tosuch publicly statements June contains forward-looking 30,
Slide 3: Q3 2015 Highlights
Q3 Reported Strong NPLs NPL NCOs Robust Reinstated Finalized Continued (excluding Credit 1Earnings Events Quarter ²2Capital 2015 inflows, increased ratio margins: capital; ExcludesSee Highlights adjusted Doral strong quarterly covered ofappendix net excluding 0.83% Common conversions by Popular, US
Slide 4: Puerto Rico Public Sector Exposure
PRindecrease Our approximately the ($ Central consists Commonwealth COFINA bonds PREPA Loans have revenues Direct Obligations Municipalities taxes, Indirect that and shortfall 1default. 3related. Public personal have are current millions) aand of to Government pledge Government 44 payable Majority E
Slide 5: Financial Summary
Financial ($ FDIC Gross Provision Net Personnel Professional OREO Other Total 4¹Income Unaudited. inrevenues interest thousands) provision operating non operating loss revenues expenses taxSummary from for (reversal) costs -interest -share expense income fees See continuing 420,080 loan expenses for
Slide 6: Composition of FDIC Loss Share Asset
Composition $900 $410 $500 $542 $600 $636 $700 $713 $800 $798 $232 $200 $90 $80 $300 $312 $400 FDIC $- $100 Q1 Single 5process 14$142 ($ $393 Loss LSA Q2 family in 14 millions) FDIC Share of Q3 FDIC FDIC 14 Asset LSAQ4 LSA Loss FDIC 14Commercial Q1 Share LSA 15 Q2 Asset FDIC 15 FDIC Q3 LSA15 LSA FDI
Slide 7: Capital
CapitalCapital Popular’s Quarterly Popular, 6Note: Ratios Inc. capital dividend ratios (%)metrics reinstated for the continued current quarter to be robust are preliminary with Common Equity Tier 1 of 16.2%
Slide 8: De-risked Loan Portfolios
De-risked (Excluding Highlights reducing historically The Mortgage Commercial has portfolio SME1 Q4 Collateralized ($mm) portion Unsecured overall Construction CRE Multifamily 721Total loan2007 decreased Note:Corporation PR Corp $16,304 $9,004 lending (%) FICO of commercial Small Q3 its to2,933 Loan
Slide 9: NPAs, OREOs and Non-Performing Loans
NPAs, OREOs 2,539 2,448 2,402 2,245 2,084 1,500 6.9% 7.2% 2,002 1,293 1,142 5.5% 971 $859 4.0% 3.3% 2.1% 1.8% Non-Performing NPLs, NPLs BPPR Commercial commercial 14.0% 2,313 10.6% 1,978 2,116 10.0% 9.6% 1,404 1,203 8.0% 1,008 858 770 5.6% 4.7% 3.5% 3.1% 2.4% Q1 Mortgage 8Differences 07 15 1,026 923
Slide 10: NPL Inflows Highlights
NPL Highlights Total $74 loans million 158 PR 126 119 34 52 Excludes Commercial, ($ 110 100 157 167 94 43 59 32 42 26 10 Q3 US 9Metrics in 26 99 94 48 31 28 22 11 12 commercial mortgage NPL Inflows 185 17 million, 158 136 Inflows millions) NPL in 722 29 105 89 113 Q4borrowing 2exclude the 135 inflow
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Slide 12: Additional Credit Metrics
Additional Credit Metrics Highlights * — NCOs flat QoQ mainly driven by: "= Lower commercial NCOs by $9 million, offset by "Higher consumer NCOs by $9M mostly related to $5 million of recoveries in Q2 2015 from the sale of previously charged-off credit card and auto loans * NCO ratio of 0.83% vs. 0.
Slide 13: Additional Credit Metrics Highlights
Additional NCOs Highlights Lower Higher recoveries 163 credit NCO 3Adjusted 10 ratio 2card Provision 96 loans 2015 636 584 529 84% 166% 87% 84 41% 48 Q3 30 ALLL Metrics 101 12 47 12 622 169 526 86 58 at 50flat commercial consumer provision QoQ in of and ALLL/NCO Q4 at to ($ 81 Credit Q2 1exclude 2.3
Slide 14: Driving Shareholder Value
Driving Doral Reinstated Unique Continued Robust EVTC Additional Capital Earnings Accomplishments Recent 11 conversions ownership capital franchise Shareholder strong $0.15 Valuewith per in loan and completed Common PR Value share Banco growth provides quarterly BHD Equity in the strong, León divide
Slide 15: Appendix
Investor APPENDIX Third Quarter Presentation 2015
Slide 16: Who We Are: Corporate Structure
WhoCorporateWe Franchise Industry Headquarters Assets BHCs Banco Popular’s Loans Insurance Subsidaries Deposits Banking LLC York, and Islands NASDAQ Market Selected EVERTEC PRLP Construction Transaction business outsourcing 15.31% Adjusted million loans 2015 Information 13 U.S. North 24.9% and New 2
Slide 17: Popular's Market Share and Leadership in Puerto Rico
Q2 Market Category Commercial Credit Mortgage Personal Auto Assets Popular’s Total 42% 44% 40% 34% 38% 24% 33% 2007 ¹Source: 14 Mortgage 2015 41% 39% 37% 35% 23% Loans/Leases 2008 Loans Deposits Cards Under Leadership Market Puerto Loans position Puerto Loan 39% 35% 36% 22% 2009 loan *& ¹Management
Slide 18: GAAP Reconciliation Q3 2015
GAAP Q3 of Impairment Actual Results ($ Provision Mortgage FDIC Personnel Equipment Professional Communications Business Restructuring Other Total Income Basic Diluted Net Tangible *Market ¹15 Loans in 2015 occupancy income interest thousands) non-interest operating EPS non-interest real operating l
Slide 19: GAAP Reconciliation Q2 2015
GAAP Q2 Loss Actual Results ($ Provision Mortgage Other-than-temporary FDIC Personnel Equipment Professional Communications Business Restructuring Other Total Income Basic Diluted Net Tangible *Market ¹16 in2015 occupancy income interest thousands) on non-interest operating EPS non-interest real ope
Slide 20: Business Segments Results
Business PR Non-interest Gross Provision Operating Income ($ Total Asset loans Non-performing Allowance *Net ¹17 inUS income interest millions) provision assets loans deposits (3) 3.29% Quality revenues Non-fullytax from Unaudited 16 Segments for (reversal) expenses for 18,653 expense $27,968 $incom
Slide 21: Consolidated Credit Summary
$Consolidated Loans Performing NPL Total Non-performing NPLs Net Commercial Construction Legacy Mortgage Consumer Leases Write-downs NCOs Provision PLL Allowance 21ALL 18in charge-offs Note:millions to HFS to Non HIP Held to $3 $1 average NCOs loans NPLs $4 ($1) average for $343 $16 48 $2 $1 Covered
Slide 22: Popular's Credit Ratings
Popular, Our S&P 2013 March BPOP for January Fitch BB- October Moody’s negative outlook general economic environment Puerto 19 possible senior from B+ 2014 BB- raised on Rico upgraded stable to negative February May Inc. Negative BPOP B2 placed revised review B+; from Stable downgraded unsecured 201
Slide 23: Investor Presentation Third Quarter 2015
Investor Third Quarter Presentation 2015