Investor Presentaiton

○ Strategy - Client centric & Digital Evolution PRODUCTS & SOLUTIONS Deposits & Loans Insurances Pensions Annuities Wealth Mngt. LO Hist Client Segmentation ■ 11.5 million ex-Afore clients 8.6 million Afore clients ■ Structured Info & Learning (Central DB & Watson) ■ Behavior understanding Analytics PROCESSES Account opening - Credit Analysis Next Best Offer - Next Best Action DISTRIBUTION CHANNELS Mobile Web ATM Contact Center Branches > 10M Rappi clients Rappi JV Consumer focus New customer behavior Digital Bank Div DB Rev Dep TI LD Loan BAP Guid ESG Eco NIM NI ROE ICAP Mkt App C/I VIS Cost Google Hyper-personalization GRUPO FINANCIERO BANORTE

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