POPULAR TECH

e their percentage of before-tax contributions to a different amount, including zero ( 0 %), by the deadline established by the Plan Administrator to avoid the automatic increase. Matching contributions are invested pursuant to each participant’s investment directions. The Corporation may make discretionary contributions to its own employees out of its net profits in such amounts as the Corporation’s Board of Directors may determine. During the year ended December 31, 2025, the Corporation made discretionary contributions of $ 2,216,534 related to profit sharing distribution. The Plan provides for an additional employer contribution known as “True-Up contribution” to ensure participants receive the maximum matching benefit under the Plan’s contribution guidelines. In 2026, the Corporation

ipant’s vested account. Eligibility and vesting All employees are eligible to participate in the Plan on the first day of the month, following 30 days of service. Participants are immediately vested in their voluntary contributions plus actual earnings thereon. Vesting in the Corporations’ matching and discretionary profit-sharing contributions plus actual earnings thereon is based on years of service since 5 Table of Contents Popular, Inc. U.S.A. 401(k) Savings and Investment Plan Notes to Financial Statements December 31, 2025 and 2024 commencement of employment with the Corporation. These contributions and actual earnings thereon vest in accordance with the following schedule: Years of Service Vesting % At least 1 20 At least 2 40 At least 3 60 At least 4 80 5 or more 100 Notes receivab

ferral limit by a participant who has reached age 50, limited for the calendar year ended on December 31, 2025 and 2024 to $7,500. The plan provides that newly hired employees are automatically enrolled in the Plan at a pre-tax rate of 6 % , with a match formula of 50 % for each dollar pre-tax contribution up to a maximum of 8 % and for an automatic annual increase of 1 % to the employees’ pre-tax contribution until such contribution reaches a certain percent which on December 31, 2025 was 10 % . Participants shall be given written notice of the automatic increase no less than 30 days or more than 90 days before the increase is to be effective. Participants, upon receipt of the notice of automatic increase, may elect to change their percentage of before-tax contributions to a different amo

ons to assets available for benefits $ 43,173,788 Deductions from assets attributed to Benefits and withdrawals paid to participants, including rollover distributions $ 22,138,050 Administrative expenses 318,647 Total deductions $ 22,456,697 Net increase in assets available for benefits $ 20,717,091 Net assets available for benefits: Beginning of year $ 170,302,780 End of year $ 191,019,871 The accompanying notes are an integral part of these financial statements. 4 Table of Contents Popular, Inc. U.S.A. 401(k) Savings and Investment Plan Notes to Financial Statements December 31, 2025 and 2024 1. Description of Plan The following description of the Popular, Inc. U.S.A. 401(k) Savings and Investment Plan (the “Plan”) provides only general information. Participants should refer to the Plan