BBVA Bancomer/2018 Annual Report

Staff Units The Business Units have been able to attain all their potential and achieve positive performances due to constant assistance from the Support Units, which allow them to maintain recurrent business results and integral management, providing synergies that fuel further growth. Internal Audit This area is responsible for maintaining integrity, which is our distinguishing feature as a financial institution, with continuous support in Internal Control matters. This business unit continuously carries out monitoring, follow-up and prevention activities to ensure an adequate business performance in terms of customer processes and internal procedures. The Support Units aid the Business Units in performing to their potential and reporting sustainable business results and integrated management, on the path to continuous growth. Legal Services In 2018, the Legal Services area provided support in order to maintain transpa- rency and guarantee that the constant changes in banking regulations are clearly understood and strictly complied with. It also acts as the point of contact for custo- mers' complaints and demands to the bank so that both parties can have the best options and be mutually satisfied. Finance EThis area is responsible for various functions, such as monitoring the institution's financial performance, relations with investors, analysts and shareholders, cost control, capital management and liquidity, and many more. At BBVA Bancomer we have kept our capital ratios above the minimum levels required by Mexican laws, and have also maintained comfortable liquidity levels to drive growth. Our total capital ratio stood at 15.3% at year-end, while the CCL (Local LCR) (the new short- term liquidity indicator implemented through the new Basel III requirements) was 145.90%. The bank also achieved a rock-solid income statement in 2018 based on recurrent revenue, cost control and adequate risk management. 16

View entire presentation