Investor Presentaiton
Sound Asset Quality
NPL Ratio
3.1%
2.9%
3.0%
Previous Criteria
IFRS
2.5%
2.2%
2.1%
2.0%
1.8%
2.0%
1.7% 1.7%
о
1.5%
1.1%
1.0%
1.0%
1.0%
1.1%
0.9%
0.9% 1.0% 1.0% 1.0% 1.1%
0.5%
2012
2013 2014
2015 2016
2017
2018 2019 2020 2021 2022
4Q21
1Q22 2Q22 3Q22 4Q22
Previous Criteria
IFRS
2018
2019
2020
2021
2Q21
3Q21
4Q21
1Q22
Credit Card
5.5%
5.4%
7.8%
3.3%
3.6%
2.7%
2.3% 2.2%
2.2%
2Q22 3Q22 4Q22
2.2%
2.4%
Payroll
3.7%
3.3%
2.7%
2.6%
2.4%
2.4%
2.5% 2.4% 2.7%
2.8%
3.2%
Auto
1.1%
1.0%
0.6%
0.8%
1.1%
0.9%
0.8% 0.7% 0.6%
0.7%
0.6%
Mortgage
0.9%
1.1%
0.9%
1.0%
1.0%
1.0%
1.0%
0.9% 0.9% 0.9%
0.8%
Commercial
1.9%
2.4%
1.2%
1.6%
1.9%
1.9%
1.6%
1.7%
1.6% 1.7%
1.8%
SME
5.5%
6.6%
2.0%
1.8%
3.4%
2.5%
1.8%
1.7%
1.6%
1.4%
1.1%
Commercial ex-SME
0.9%
1.3%
1.0%
1.5%
1.6%
1.8%
1.5%
1.7%
1.6%
1.8%
1.9%
Corporate
2.9%
1.8%
0.1%
0.0%
1.3%
0.4%
0.0%
0.3%
0.5%
0.4%
0.3%
Government
0.0%
0.0%
0.0%
0.1%
0.1%
0.1%
0.1%
0.1%
0.1%
0.0%
0.0%
Total GFNorte
1.7%
1.7%
1.1%
1.0%
1.3%
1.1%
0.9%
1.0%
1.0%
1.0%
1.1%
DB
Rev
Div
Dep
244
NIM
TI
LD
Loan
BAP
Guid
ESG
Eco
Hist
NI
ROE
ICAP
Mkt
C/I
App
GRUPO FINANCIERO
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