大众银行(波多黎各) 2025年度报告

None Indicate by check mark if the registrant is a well-knownseasoned issuer, as defined in Rule 405 of the Securities Act. YesX No. bpopIndicate by check mark if the registrant is not requiredto file reports pursuant to Section 13 or Section15(d) of the Act. YesNoX. bpopIndicate by check mark whether the registrant (1) hasfiled all reports required to be filed bySection 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that theregistrant was required to file such reports),and(2) has been subject to such filing requirements for thepast 90 days. YesX No. bpop2025Indicate by check mark whether the registrant hassubmitted electronically every Interactive Data File requiredto be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter)during the preceding 12 months (or for suchshorter period that the registrant wasrequired to submit such files). YesX No. Indicate by check mark whether the registrant is alarge accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer”, “smaller reportingcompany”and “emerging growth company” in Rule 12b-2of the Exchange Act. Large accelerated filer[X]Smaller reporting company [ ] If an emerging growth company, indicate by check mark if the registranthas elected not to use the extendedtransition period forcomplying with any new or revised financial accountingstandards provided pursuant to Section 13(a)of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report onand attestation to its management’s assessment of the effectiveness ofits internalcontrol overfinancial reportingunder Section404(b) ofthe Sarbanes-Oxley Act(15 U.S.C.7262(b)) bythe registeredpublicaccounting firm that prepared or issued its auditreport. [X] If securities are registeredpursuant to Section 12(b)of the Act, indicateby check mark whetherthe financial statements ofthe registrantincluded in the filing reflect the correction of anerror to previously issued financial statements.☐ Indicatebycheckmarkwhether any ofthoseerrorcorrectionsarerestatementsthatrequiredarecoveryanalysisofincentive-basedcompensation received by any of the registrant’s executiveofficers during the relevant recovery period pursuant to§240.10D-1(b).☐ Indicate by check mark whether the registrant is ashell company (as defined in Rule 12b-2 of theAct). YesNo X As of June 30, 2025, the aggregate marketvalue of the Common Stock held by non-affiliates ofPopular, Inc. was approximately $ 7.5billion based upon the reported closing price of $110.21 on the NasdaqGlobal Select Market on that date. As of February 26, 2026, there were 65,104,302shares of Popular, Inc.’s Common Stock outstanding. Portions of Popular,Inc.’s definitive proxystatement relating to the2026 Annual Meetingof Stockholders of Popular,Inc. (the “ProxyStatement”) are incorporated herein by reference in response to Items 10 through14 of Part III. The Proxy Statement will befiled withthe Securities and Exchange Commission (the “SEC”)on or about March 24, 2026. Forward-Looking Statements ThisForm10-K contains“forward-looking statements”within themeaningoftheU.S. Private Securities LitigationReform Act of1995,including,without limitation,statements about Popular,Inc.’s(the“Corporation,”“Popular,”“we,”“us,”“our”)business,financial condition, resultsof operations, plans,objectives and futureperformance. These statementsare notguarantees of futureperformance,arebasedonmanagement’scurrentexpectationsand,bytheirnature,involverisks,uncertainties,estimatesandassumptions. Potentialfactors, someof whichare beyondthe Corporation’scontrol, couldcause actualresults todiffer materiallyfrom those expressed in, or implied by, such forward-looking statements. Risks and uncertainties include without limitation the effectof competitive andeconomic factors, and ourreaction to those factors,the adequacy ofthe allowance for loanlosses, delinquencytrends, marketrisk andthe impactof interestrate changes(including onour costof deposits),capital marketsconditions, capitaladequacyandliquidity,andtheeffectoflegalandregulatoryproceedingsandnewaccountingstandardsontheCorporation’sfinancial conditionand resultsof operations.All statementscontained hereinthatare notclearlyhistorical innature areforward-looking, and the words “anticipate,” “believe,” “continues,”“expect,” “estimate,” “intend,” “project” and similar expressionsand futureor conditional verbssuch as“will,” “would,” “should,”“could,” “might,” “can,”“may” or similarexpressions aregenerally intended toidentify forward-looking statements. Various factors, some of whichare beyond Popular’s control, could cause actual results to differ materially from those expressed in,or implied by, such forward-looking statements. Factors that might cause such adifference include, but are not limited to: ●therateofgrowthord