# EDGAR Filing Document

**Accession Number:** 0000763901
**File Stem:** 0001193125-25-274035
**Filing Date:** 2025-11
**Character Count:** 9841
**Document Hash:** 8caf6becb258ad0828c7463d75efa21f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-274035.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001193125-25-274035

**CONFORMED SUBMISSION TYPE**: 10-Q

**PUBLIC DOCUMENT COUNT**: 165

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** POPULAR, INC.
- **CENTRAL INDEX KEY:** 0000763901
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 660667416
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-Q
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34084
- **FILM NUMBER:** 251465828

**BUSINESS ADDRESS:**
- **STREET 1:** 209 MUNOZ RIVERA AVE
- **STREET 2:** POPULAR CENTER BUILDING
- **CITY:** HATO REY
- **STATE:** PR
- **ZIP:** 00918
- **BUSINESS PHONE:** 7877659800

**MAIL ADDRESS:**
- **STREET 1:** P.O. BOX 362708
- **CITY:** SAN JUAN
- **STATE:** PR
- **ZIP:** 00936-2708

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** POPULAR INC
- **DATE OF NAME CHANGE:** 19970428

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANPONCE CORP
- **DATE OF NAME CHANGE:** 19920703

## Exhibit 31.1

![d873220dex311p1i0](g873220d873220dex311p1i0.jpg)

#### CERTIFICATION

#### EXHIBIT 31.1
I, Javier D. Ferrer, certify that:

1. I have reviewed this report on Form 10-Q of Popular, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a

material fact necessary to make the statements made, in light of the circumstances under which such statements were

made, not misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly

present in all material respects the financial condition, results of operations and cash flows of the registrant as of,

and for, the periods presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls

and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial

reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the

period in which this report is being prepared;

b)

Designed such internal control over financial reporting, or caused such internal control over financial

reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of

financial reporting and the preparation of financial statements for external purposes in accordance with

generally accepted accounting principles;

c)

Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this

report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the

period covered by this report based on such evaluation; and

d)

Disclosed in this report any change in the registrant's internal control over financial reporting that occurred

during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an

annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's

internal control over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal

control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of

directors (or persons performing the equivalent functions):

a)

All significant deficiencies and material weaknesses in the design or operation of internal control over

financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process,

summarize and report financial information; and

b)

Any fraud, whether or not material, that involves management or other employees who have a significant

role in the registrant's internal controls over financial reporting.

Date: November 10, 2025

By: /s/ Javier D. Ferrer

Javier D. Ferrer

President and Chief

Executive Officer

## Exhibit 31.2

![d873220dex312p1i0](g873220d873220dex312p1i0.jpg)

#### CERTIFICATION

#### EXHIBIT 31.2
I, Jorge J. Garcia, certify that:

1. I have reviewed this report on Form 10-Q of Popular, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material

fact necessary to make the statements made, in light of the circumstances under which such statements were made, not

misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly

present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and

for, the periods presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and

procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as

defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in

which this report is being prepared;

b)

Designed such internal control over financial reporting, or caused such internal control over financial reporting

to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial

reporting and the preparation of financial statements for external purposes in accordance with generally

accepted accounting principles;

c)

Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report

our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period

covered by this report based on such evaluation; and

d)

Disclosed in this report any change in the registrant's internal control over financial reporting that occurred

during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual

report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control

over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control

over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or

persons performing the equivalent functions):

a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial

reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize

and report financial information; and

b)

Any fraud, whether or not material, that involves management or other employees who have a significant role

in the registrant's internal controls over financial reporting.

Date: November 10, 2025

By: /s/ Jorge J. García

Jorge J. García

Chief Financial Officer

## Exhibit 32.1

![d873220dex321p1i0](g873220d873220dex321p1i0.jpg)

#### EXHIBIT 32.1

#### CERTIFICATION PURSUANT TO

#### 18 U.S.C. Section 1350
Pursuant to 18 U.S.C. Section 1350, the undersigned officer of Popular, Inc. (the "Company"), hereby

certifies that the Company's Report on Form 10-Q for the quarter ended September 30, 2025 (the "Report") fully

complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and

that the information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

Dated:November 10, 2025

By: /s/ Javier D. Ferrer

Name: Javier D. Ferrer

Title: President and Chief Executive

Officer

A signed original of this written statement has been provided to the Company and will be retained by the

Company and furnished to the Securities and Exchange Commission or its staff upon request.

## Exhibit 32.2

![d873220dex322p1i0](g873220d873220dex322p1i0.jpg)

#### EXHIBIT 32.2

#### CERTIFICATION PURSUANT TO

#### 18 U.S.C. Section 1350
Pursuant to 18 U.S.C. Section 1350, the undersigned officer of Popular, Inc. (the "Company"), hereby

certifies that the Company's Report on Form 10-Q for the quarter ended September 30, 2025 (the "Report") fully

complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and

that the information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

Dated:November 10, 2025

By: /s/ Jorge J. García

Name: Jorge J. García

Title: Chief Financial Officer

A signed original of this written statement has been provided to the Company and will be retained by the

Company and furnished to the Securities and Exchange Commission or its staff upon request.