Supplemental Financial Information

▸ Efficiency Ratio Efficiency Ratio for 3Q20 stood at 46.9% and 46.4% for 9M20, System 53.2%. Efficiency Ratio Evolution vs. Peers Operating Expenses/Total Revenues (1) | % Total Revenues and Expenses (1) Ps$ MM | Quarterly 52.0% $4,000 3,271 $3,500 49.3% 48.9% $3,000 46.9% $2,500 $2,000 1,535 43.5% 43.0% $1,500 $1,000 $500 3Q18 3Q19 ■BanBajio 3Q20 Peers Average (2) 3Q18 4Q18 1Q19 2Q19 1Q20 2Q20 3Q20 ⚫Revenues - Expenses Notes: Source: Company information (1) Total Revenues (excluding Loan Loss Provisions). (2) Peers Include: Banorte, Banregio, BBVA Bancomer, Citibanamex, HSBC, Santander and Scotiabank consolidated figures. 13

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