Investor Presentation

PR economic environment improving The recent influx of federal funds, market conditions, along with stronger fiscal and operational management in PR are positively impacting Economic Indicators Economic Activity Index (EAI) Employment Thousand Individuals Labor Participation Rate Percentage Individual & Commercial Bank Deposits $USD Billions V2A CONSULTING Source: V2A Economic Dashboard; estadisticas.pr; V2A analysis 14 12 18 8 888 2013 2014 2015 1,2 £.8 00 D 2013 DO AD C D 2014 660 2016 201 201 4 5 D 2017 D D D D 2015 2016 2017 2018 D D D D 2013 2014 2015 2016 2017 2018 201 6 D 2018 201 7 201 124. 0 D20 19 97 3 D 2019 40. 42. 201 9 118. 8 10 D 2020 % 134. 6 2019 2020 1,01 D 2020 40. F 2022 +12 6K 1,13 202 0 M 2022 M 2022 202 1 The EAI increased by 4.9% since December 2020, reaching pre-pandemic levels Employment has increased by +126K since December 2020 driven by more self-employment and more payroll employment in Leisure & Hospitality, Wholesale & Retail Trade, and Health & Education Services The participation rate has increased to 44.4% in March 2022, the highest level since 2009 Liquidity of Individuals and Businesses increased by 17.4B (+41%) in the past two years evertec

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