Financial insights of BPOPM

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Net fees-Service Charges On Deposit Accounts	155,868
Net fees-Other Services	402,911
Mortgage banking activities	14,956
Net gain (loss), including impairment on equity securities	1,596
Net gain on trading account debt securities	1,908
Net gain (loss) on sale of loans, including valuation on loans held for sale	0
Adjustments to indemnity reserves on loans sold	-174
Other operating income	80,954
Total non-interest income	658,019
Loans	2,763,118
Money market investments	254,786
Investment securities	765,105
Total interest income	3,783,009
Deposits	1,177,896
Short-term borrowings	15,818
Long-term debt	48,092
Total interest expense	1,241,806
Net interest income	2,541,203
Provision for credit losses	260,163
Net interest income after provision for credit losses	2,281,040
Personnel costs	905,214
Net occupancy expenses	110,213
Equipment expenses	22,110
Other taxes	72,939
Professional fees	110,098
Technology and software expenses	341,605
Processing and transactional services	152,386
Communications	19,270
Business promotion	107,283
Fdic deposit insurance	24,369
Other real estate owned (oreo) income	-13,393
Other operating expenses	65,422
Amortization expense	1,750
Goodwill impairment	13,000
Total operating expenses	1,932,266
Income before income tax	1,006,793
Income tax (benefit) expense	173,634
Net income	833,159

Basic EPS	12.31
Diluted EPS	12.3
Basic Average Shares	67,586,130
Diluted Average Shares	67,612,847