Investor Presentaiton

O Efficiency Temporarily Affected by COVID-19 Cost to Income 57.0% 54.0% Previous Criteria -IFRS 52.0% 52.0% 49.6% 48.5% 47.9% Recurring 44.9% 45.4% 47.0% 40.0% 39.7% 42.8% 41.4% 46.9% 42.0% 39.0% 39.1% 42.7% 41.4% 36.4% 37.0% 38.0% 32.0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 4Q21 1Q22 2Q22 3Q22 4Q22 Revenues & Expenses Million Pesos 30,000 Recurring Rev. 25,000 Revenues IFRS Expenses IFRS Revenues Expenses 20,000 15,000 10,000 5,000 11 I 4Q22 expenses +23% q/q on 1.6bn extraordinary expenses (personnel and amortizations). Strengthening commercial and SME teams, as we anticipate increased demand in these sectors. 2012 2013 2014 2015 2016 2017 2018 2019 DB Rev Div Dep NIM TI LD Loan BAP Guid ESG Eco Hist NI ROE ICAP Mkt App C/I 2020 2021 2022 GRUPO FINANCIERO

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