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21 Net Interest Margin Moving in the Right Direction NIM 5.9% 5.9% 6.0% 5.5% 5.0% 4.9% 4.7% 4.4% 4.5% 5.5% 5.6% 5.6% 5.3% 5.7% 5.6% 5.2% 5.0% 5.1% 4.8% 4.5% 4.1% 4.1% 4.0% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 4Q19 1Q20 2Q20 3Q20 4Q20 NIM NIM ex Insurance & Annuities 4.9bn on 2.4bn on NIM (Post-Provision) advanced advanced provisions provisions 5.0% 4.6% 4.5% 4.3% 4.4% 4.4% 4.4% 4.3% *Recurring 4.5% 3.9% 4.0% 3.7% 3.3% 3.4% 3.4% 3.5% 3.5% 3.9% 3.3% 3.5% 3.1% 3.0% 2.5% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 4Q19 1Q20 2Q20 3Q20 4Q20 Eco Hist DB NIM Rev C/I NI Div ROE LD Dep Loan ICAP BAP Guid Mkt App GRUPO FINANCIERO BANORTE

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