#1BBVA Mexico Leading growth BBVA Creating Opportunities#2Disclaimer This document has been drafted for information purposes and for the use of BBVA México, S.A., Institución de Banca Múltiple, Grupo Financiero BBVA Bancomer (BBVA Mexico) investors to whom it is addressed, in order to facilitate their understanding of certain information regarding BBVA Mexico, and only refers to the businesses of BBVA in Mexico. For detailed financial information about BBVA Mexico please visit the Bank's website www.bbva.mx. The information contained herein (hereinafter "Information") shall not be deemed to be considered in any case as financial advice, investment advice, tax/legal advice or otherwise nor an offer to sell or a solicitation to acquire or dispose of an interest in securities, nor a recommendation to buy or sell securities or enter into any transaction nor should it be relied upon to make any sort of Decision in any direction. BBVA Mexico does not assume any obligation whatsoever to communicate any changes to this document or to update its contents. BBVA Mexico has obtained the information included in this document from sources considered to be reliable. However, notwithstanding the fact that reasonable measures were taken to assure that the Information contained herein is not mistaken or misleading, BBVA Mexico does not represent or warrant, either express or implicit, its accuracy, integrity or correctness. Investors or potential investors who have access to this document should be aware that the securities, instruments or investments to which it may refer may not be appropriate for them due to their specific investment goals, financial positions or risk profiles, as these have not been taken into account to prepare this report. Therefore, investors should make their own investment Decisions considering said circumstances and obtaining such specialized advice as may be necessary. BBVA Mexico accepts no liability of any type for any losses arising from the use of this report or its contents. In no case BBVA Mexico, its branches, and/or its directors, officers, employees and authorised personnel shall be held responsible for any damage, losses, claims, or any sort of expenses that could result from the use of this document or from its contents. The Information must be treated as confidential and no part of this document may be (i) copied, photocopied or duplicated by any other form or means (ii) redistributed (iii) quoted or (iv) furnished to any other person or entity without the prior written consent of BBVA Mexico. It is understood that its recipients accept all of the warnings and conditions contained herein in its integrity. All the data contained in this document is set forth as an example and is due to change." This document is the property of BBVA Mexico. Any denominations, designs, and logos are registered trademarks of BBVA Mexico. 1#3We are is part of a solid international group GLOBAL PRESENCE BBVA SEPTEMBER 2021 Countries Branches >25 6,344 Employees 113,117 52% Women 48% Mens DIGITAL CAPABILITIES SEPTEMBER 2021 Digital Clients Mobile Clients 40.1 millions 37.9 millions FINANCIAL MAGNITUDES SEPTEMBER 2021 OUR PURPOSE 66 To bring the age of opportunity to everyone Net Income 3,727 million euros Total Assets 651,834 million euros Performing Loans Deposits 327,968 million euros 340,828 million euros وو SUSTAINABLE DEVELOPMENT AND CONTRIBUTION TO SOCIETY Doubling original 200 billion euros between commitment 2025 BBVA 2018 y 2025#4A history of success... BBVA Creating Opportunities 1932 Bancomer is founded under the name of Banco de Comercio 2000 GFBB acquires Banca Promex and consolidates itself as the largest financial institution in Mexico 1991 creation of Grupo Financiero Bancomer 2005 GFBB acquires to Hipotecaria Nacional 1996-1997 Afore, Seguros y Pensiones Bancomer is created 2000 Grupo Financiero BBVA Bancomer (GFBB) born as a result of the merger of Grupo Financiero BBV-Probursa with Grupo Financiero Bancomer 2021 Name change (BBVA México) BBVA BBVA BBVA BBVA BBVA#5Business Model and Strategy BBVA Creating Opportunities#6BBVA is leading financial institution in Mexico BBVA Mexico's Footprint (Sep 21) COMMERCIAL ACTIVITY ★ #1 23.8% SOCIAL IMPACT 24.6 M Customers 37,889 Employees Performing Loans INNOVATION BBVA 14.1 M Mobile Clients 69% Digital Sales 23.2% Customer Deposits INFRASTRUCTURE OUR PURPOSE "To bring the age of opportunity to everyone" 5 WE FOLLOW BBVA GROUP STRATEGIC PRIORITIES 13,139 1,721 Improving our clients' financial health ATMs Branches Driving operational excellence Helping our clients transition towards a sustainable future The best and most engaged team Reaching more clients Data and Technology Source: Financial reports BBVA Mexico#7Differentiated business model Extensive key distribution network to provide easy and secure access to financial services Corporate Private Banking Middle-market and Government Affluent SMES/Businesses Micro-businesses Express Insurance BBVA 哈 Personal Leverage on investment to create new technology, digital channels, products and services to continue transformation and innovation Banking Specialized and personalized attention for each one of the customer segments that allows to provide a higher quality service 6#8Leading growth with innovation and services beyond branches App BBVA Card Experience The reference in ELECTRONIC PAYMENTS AND FINANCING 14.1M Mobile clients Sep.21 AQUA & INFINITE BIOMETRIC Aqua-12345 Comprar con tarjeta tarjeta digital BBVA Financial Health BBVA 4000 0012 3456 7899 12/04 Pay as you want VISA Aqua Tarjeta Aqua Digital Services 112,645.00 Saldeado $47,354.00 Saido disponible In-app rewards Maximum Security stats de Control de TU CREDITO nes de crédito $60.000.00 Source: BBVA Mexico internal financial information. Infinite First biometric contactless credit card 6.3M clients with digital card (Sep.21, e-commerce, CC+DC) App BBVA Enterprises DIY approach and better service for SMEs and Companies 290K BOVA Mobile clients Sep.21 Hola, Empresa ABC E 79.898.00- 45749502 ✔ DIY Servicing Biometric Auth. POS Advance FX sales/transf. Balance mngmt. 7#9Promoting financial inclusion and sustainability Increase financial inclusion > Boost CoDi, focusing in new features developments to increase its use among our clients DO Qig 5.7M ENROLLED BBVA ACCOUNTS 61% MARKET SHARE in 9M2021 Specific product solutions for young people: Mobilize sustainable financing > Use of recycled plastic in the new Aqua Cards > Granting of credit with special conditions to individuals and companies 2,467 MP RETAIL 9M21 44,519 MP COMMERCIAL LOANS & GREEN BOND UNDERWRITER 9M21 Issuance for clients of BBVA BBVA Link Card 48,200 NEW Crea 40,100 Social Bonds 4013 0012 3456 7899 VISA CARDS 9M21 NEW CARDS 9M21 VISA A12 AIRY 7,500MP 9M 2021 Link Card DEBIT CARD < 18 YEARS Source: BBVA Mexico internal financial information. Crea Credit Card 1ST CREDIT CARD (18-30 YEARS) 1st 8 Mkt Share Green Bond underwriter (Sep. 21, %) 28.0 Next peer 21.2#10Financial Performance 9M 2021 BBVA Creating Opportunities#11BBVA We incentive the economy and productive activities of the country through loan granting and by promoting savings among our clients Performing Loans (mp, Sep. 21) 1,251 1,227 1,234 1,209 1,250 Sep.20 Dec.20 Mar.21 Jun.21 Sep.21 Deposits (mp, Sep. 21) 1,382 1,360 1,362 1,327 1,328 Sep.20 Dec.20 Mar.21 Jun.21 Sep.21 Figures under local accounting standards with BBVA Mexico data. Loans Mix (%, Sep.21) Deposits Mix (%, Sep. 21) Mortgages 23% Time -0.1% Vs Sep.20 17% +3.3% Consumer 17% vs Dec.20 Government 11% 49% Enterprise 4.2% Vs Sep.20 4.1% vs Dec.20 Demand 83% Profitable mix of loans and deposits 10#12Resilient P&L BBVA MÉXICO (million pesos) Net Interest Income Provisions for loan losses 9M20 9M21 92,693 99,458 (30,833) (21,539) Y-0-Y(%) 7.3 (30.1) Net interest income after provisions 61,860 77,919 26.0 Fees & Commissions Trading Income Other Income 19,713 6,693 22,116 12.2 5,222 (22.0) 260 1,540 n.a. Ingresos Totales de la Operación 88,526 106,797 20.6 Net Interest Income positive evolution explained by the recovery in loan demand and constant funding mix optimization. Lower provisions as a result of sound asset quality and additional reserves created in 2020, with releases in 2021. Higher commissions as a result of an increase in transaction volumes. Expenses Net Income (48,399) (48,514) 0.2 40,127 58,283 45.2 Income Before Taxes 40,149 58,340 45.3 Lower expenses driven by an annual drop in personnel expenses. Net Attributable Profit 28,580 42,459 48.6 Figures under local accounting standards with BBVA Mexico data. 11#13Sound capital and comfortable liquidity position CAPITAL RATIO (%) LOANS TO DEPOSITS (%) 17.5 18.1 610 bp above minimum required 93.9 90.3 90.1 14.2 15.3 15.6 3.1 2.6 2.7 3.1 2.0 15.2 14.4 12.4 12.5 12.2 Dec.17 Dec.18 Dec.19 Dec.20 Sep.21 CET1 T2 Proven capacity to generate organic capital Figures under local accounting standards with BBVA Mexico data. BBVA Mexico Minimum Requirement: CET1 8.5% and Total Capital Ratio 12%. Sep.20 Jun.21 Sep.21 CCL (LOCAL LCR) (%) 216.69% Minimum required of 100% 12#14Contact Information BBVA México Investor Relations https://investors.bbva.mx email: [email protected] 13#15BBVA México Leading growth BBVA Creating Opportunities