#1BBVA Mexico Continuously leading growth 4Q23 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 México (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. 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Any denominations, designs, and logos are registered trademarks of BBVA Mexico. 1#3We are part of a solid international financial group BBVA Group Information GLOBAL PRESENCE BBVA December 2023 Countries Branches Employees >25 5,949 121,486 DIGITAL CAPABILITIES December 2023 Digital Sales Mobile Clients 79% 52.8 million FINANCIAL MAGNITUDES December 2023 OUR PURPOSE 66 To bring the age of opportunity to everyone Net Income 8,019 million euros Total Assets 775,558 million euros Performing Loans Deposits 377,643 million euros 413,487 million euros وو SUSTAINABLE DEVELOPMENT AND CONTRIBUTION TO SOCIETY Triplicing original 300 million euros commitment 2025 BBVA between 2018 and 2025#4BBVA Mexico with a success history... 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 1996-1997 Afore, Seguros y Pensiones Bancomer were created 2000 Grupo Financiero BBVA Bancomer (GFBB) born as a result of the merger of Grupo Financiero BBV-Probursa with Grupo Financiero Bancomer 2005 GFBB acquires Hipotecaria Nacional 2021 Name change (BBVA México) 2022 BBVA Mexico celebrates 90 year contributing to the development of mexican economy BBVA BBVA BBVA BBVA BBVA BBVA Creating Opportunities#5Business Model & Strategy BBVA Creating Opportunities#6Strategic guidelines OUR PURPOSE "To bring the age of opportunity to everyone" WE FOLLOW BBVA GROUP STRATEGIC PRIORITIES Improving our clients' financial health Driving operational excellence Helping our clients transition towards a sustainable future Reaching more clients OUR VALUES Customer comes first The best and most engaged team We think big We are one team Data and Technology 5#7Consolidating our leadership position BBVA Mexico's Footprint (December 23) ★ #1 SOCIAL IMPACT 30.2 M 44,314 Customers Employees INNOVATION BBVA 22.2M Mobile Clients 76.8% Digital Sales INFRASTRUCTURE T 14,500 1,706 Performing Loans Market Share (Stage 1,2, Nov.23, %) 24.7 15.0 12.7 9.2 7.5 6.8 BBVA Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 ATMs Branches Deposits Market Share (Demand + Time deposits, Nov.23, %) 24.1 14.3 12.0 11.5 7.2 6.8 11 BBVA Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Source CNBV (with subsidiaries with sofomes) as of November 2023 6#8Differentiated business model One of the main strengths, our customer base 30.2 M customers Corporate Private Banking Middle-market and Government Micro-businesses Express III SMES 2 Insurance Affluent Personal Banking Investment as a pillar and key driver to continue transformation and innovation (create new technology, digital channels, products and services) Specialized and personalized attention for each customer segment (provide a higher quality service) 7#9We promote financial inclusion through digital innovation Total financial transactions, 12M23 (excludes POS) % financial transactions 2,932 millons 4% 60% 3,577 millons 3% Mobile Clients millions 22.2 65% 21.4 21.0 19.7 18.9 Correspondants Mobile/Web 2,326 millions transactions ATM Teller Window ↑ +32.5% Mobile/Web YoY 28% 31% 5% Dec. 22 4% Dec. 23 Digital Sales Consumer credit Dec.22 Mar.23 Jun.23 Sep.23 Dec.23 Sales E2E Digital Credit Card New Accounts BBVA 76.8% +3.22pp vs. Dec.22 1,159k 944 k +24% vs. Dec.22 +42% vs. Dec.22 2,100 k +30% vs. Dec.22 +17.4% vs. Dec.22 8#10BBVA Creando Oportunidades We continue to promote the financing of "green" and social projects. INCLUSIVE GROWTH 52,894mp ↑ +21% vs. Dec.22 ENVIRONMENT 153,598mp ↑ +31% vs. Dec.22 TOTAL 206,492mp ↑ +28% vs. Dec.22 主 ith 9#11BBVɅ Creando Oportunidades Our commitment to education continues to grow through our "Chavos que Inspiran❞ program and our focus on disability inclusion Foundation - Chavos que Inspiran 52K Scholarship 18K University Donors students "Chavos" with Disabilities that inspire 2 mil scholarships +16 mil +417 mil Collaborators Customers 6.9K mentors BBVA Collaborators with Disabilities 263 hiring In addition to inauguration of our first SER school in Acolman, state of Mexico#12BBVA Mexico Financial Performance 12M 2023 BBVA Creating Opportunities#13BBVA Incentive the economy and productive activities through loan granting and by promoting saving 12 Performing loans (mp, Dec. 23) 1,651 1,608 1,557 1,524 1,492 Dic.22 Mar.23 Jun.23 Sep.23 Dic.23 Deposits (mp, Dec. 23) Loans Mix (%, Dec.23) Deposits Mix (%, Dec. 23) +2.7% Q-o-Q +10.6% Y-O-Y Mortgages 15% Time +8.8% vs Y-o-Y 20% + 7.8% vs Y-o-Y 85% Consumer 25% +17.9% vs Y-o-Y Government 11% +3.0% vs Y-o-Y Demand +8.2% vs Y-o-Y 43% *Enterprises +8.1% Q-0-Q +9.7% vs Y-o-Y 1,746 +9.8% Y-O-Y 1,615 1,570 1,552 1,590 Profitable mix of loans and deposits Dic.22 Mar.23 Jun.23 Sep.23 Dic.23 Figures under local accounting standards with BBVA Mexico data. *Enterprises includes financial entities Note: Performing loans as of December 2023 under new accounting standards include stage 1, stage 2 and credits value at fair value#14In summary: Strong P&L BBVA MEXICO 2022 2023 Y-0-Y(%) millon pesos Net Interest Income 166,793 200,282 20.1 Provisions for loans losses (35,619) (44,966) 26.2 Net Interest Income after provisions 131,174 155,316 18.4 Fees & Commissions 34,900 41,089 17.7 Trading Income Other Income 11,553 12,816 10.9 (6,830) (7,848) 14.9 Gross Income 170,797 201,373 17.9 Non-Interest Expenses (67,683) (81,075) 19.8 Net Operating Income 268 308 14.9 Income Before Taxes 103,382 120,606 16.7 Taxes Net Attributable Profit (26,852) (33,002) 22.9 76,530 87,604 14.5 Figures under local accounting standards with BBVA Mexico data. 13 NII with excellent dynamism leveraged on retail portfolio activity and good management of customer spreads. Recurrent income with excellent evolution during the year Adequate asset quality metrics..#15Ample capital levels and comfortable liquidity position Shielded by solid liquidity and capital ratios well above minimum required Total Capital Ratio (%) 19.2 18.5 2.4 18.3 2.7 16.8 2.6 15.8 15.7 Minimum* 15.250% Dec.22 Sep.23 CET1 Dec.23 The minimum regulatory total capital ratio for BBVA Mexico is 15.250% T2 Local Liquidity Coverage Ratio(%) 197.7 160.5 162.6 Dec.22 Sep.23 Dec.23 14#16Contact Information BBVA México Investor Relations https://investors.bbva.mx email: [email protected] 15#17BBVA Mexico Continuously leading growth 4Q23 BBVA Creating Opportunities