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POPULAR, INC.

For the period ended Sep 30, 2026. Filed Nov 9, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 9, 2026

BPOP$157.78+0.8%Stored close · as of Nov 9, 2026

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Item 1A. Risk Factors

In addition to the other information set forth in this report, you should carefully consider the risk factors discussed under “Part I - Item 1A -

Risk Factors" in our 2025 Annual Report on Form 10-K. These factors could materially adversely affect our business, financial condition,

liquidity, results of operations and capital position, and could cause our actual results to differ materially from our historical results or the

results contemplated by the forward-looking statements contained in this report. Also refer to the discussion in “Part I - Item 2 -

Management’s Discussion and Analysis of Financial Condition and Results of Operations" in this report for additional information that may

supplement or update the discussion of risk factors below and in our 2025 Annual Report on Form 10-K.

There have been no material changes to the risk factors previously disclosed under Item 1A of the Corporation’s 2025 Annual Report on

Form 10-K.

The risks described in our 2025 Annual Report on Form 10-K and in this report are not the only risks facing the Corporation. Additional risks

and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business,

financial condition, liquidity, results of operations and capital position.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.