大众银行 2026年季度报告

Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of theSecurities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was requiredto file such reports), and (2) has been subject to such filing requirements for the past 90 days.[X]Yes[ ]No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to besubmitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for suchshorter period that the registrant was required to submit such files).[X]Yes[ ]No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smallerreporting company, or an emerging growth company. See definitions of “large accelerated filer”, “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act: Large accelerated filer [X]Accelerated filer [ ]Non-accelerated filer [ ]Smaller reporting company [ ]Emerging growth company [ ] If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of theExchange Act. [ ] Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). [ ]Yes[X]No Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date:Common Stock, $0.01 par value, 63,778,501 shares outstanding as of August5, 2026. Table of Content Part I - Financial InformationPageItem 1. Financial StatementsUnaudited Consolidated Statements of Financial Condition at June 30,2026 and December 31, 20255Unaudited Consolidated Statements of Operations for the quarters and six months ended June 30, 2026 and 20256 POPULAR INCINDEXUnaudited Consolidated Statements of Comprehensive Income for the quarters and six months ended June 30, 2026 and 20257Unaudited Consolidated Statements of Changes in Stockholders’ Equity for the quarters and six months ended June 30, 2026and 20258Unaudited Consolidated Statements of Cash Flows for the six months ended June 30, 2026 and 202510Notes to Unaudited Consolidated Financial Statements12Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations92Item 3. Quantitative and Qualitative Disclosures about Market Risk124Item 4. Controls and Procedures124Part II - Other InformationItem 1. Legal Proceedings125Item 1A. Risk Factors125Item 2. Unregistered Sales of Equity Securities and Use of Proceeds125Item 3. Defaults Upon Senior Securities125Item 4. Mine Safety Disclosures125Item 5. Other Information125Item 6. Exhibits126Signatures127 Table of Content Forward-Looking Statements This Form 10-Q contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995,including, without limitation, statements about Popular, Inc.’s (the “Corporation,” “Popular,” “we,” “us,” “our”) business, financial condition,results of operations, plans, objectives and future performance. These statements are not guarantees of future performance, are based onmanagement’s current expectations and, by their nature, involve risks, uncertainties, estimates and assumptions. Potential factors, some ofwhich are beyond the Corporation’s control, could cause actual results to differ materially from those expressed in, or implied by, suchforward-looking statements. Risks and uncertainties include, without limitation, the effect of competitive and economic factors, and ourreaction to those factors, the adequacy of the allowance for loan losses, delinquency trends, market risk and the impact of interest ratechanges (including on our cost of deposits), capital markets conditions, capital adequacy and liquidity, and the effect of legal and regulatoryproceedings and new accounting standards on the Corporation’s financial condition and results of operations. All statements containedherein that are not clearly historical in nature are forward-looking, and the words “anticipate,” “believe,” “continues,” “expect,” “estimate,”“intend,” “project” and similar expressions and future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” orsimilar expressions are generally intended to identify forward-looking statements. Various factors, some of which are beyond Popular’s control, could cause actual results to differ materially from those expressed in, orimplied by, such forward-looking statements. Factors that might cause such a difference include, but are not limited to: •the rate of growth or decline in the economy and employment levels, as well as general business and econ