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 Annual
Report on Form 10-K for the year ended December 31, 2004 (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: March 15, 2005


                                                /s/ Jorge A. Junquera
                                                -------------------------------
                                                Name: Jorge A. Junquera
                                                Title: Chief Financial Officer


         The foregoing certification is being furnished solely pursuant to 18
U.S.C. Section 1350 and is not being filed as part of the Report.

         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.