Investor Presentaiton

32 32 О 2023 Guidance Previous at the beginning of year 6% - 8% Actual 10% -12% Loan Growth NIM NIM of Bank Recurring Expense Growth Total Expense Growth* Efficiency Cost of Risk 6.5% -6.8% 6.2% -6.4% 6.7% - 7.0% 6.5% -6.7% * Includes 7.0% - 8.0% 7.0% - 8.0% BINEO 2% 13.0% 11.0% 13.0% 11.0% 35.0% 37.0% Tax Rate Net Income* ** ROE 2023 36.0% 38.0% 1.6% -1.8% 24% -26% 50.5 52.5 bn 19.5% 21.0% 1.6 - 1.8% 24% -26% 51.5 53.0 bn** 20.5% 21.5% ROE of the Bank 28.5% 30.0% 26.5% 28.5% ROA 2023 2.4% -2.6% 2.3% -2.5% Macro Estimates for 2023 GDP 0.5% -1.5% 2.3% -2.9% Inflation Rate 4.5% -5.5% Banxico's Reference Rate (Avg.) ~10.75% ** 4.0% - 5.0% ~11.25% Includes foregone interest due to extraordinary dividend payment DB Div Rev NIM NI ROE TI LD Dep BAP ICAP Guid ESG Eco Loan Mkt Hist C/I App GRUPO FINANCIERO BANORTE

View entire presentation