Investor Presentaiton

О Efficiency already recovered from the pandemic Cost to Income 57.0% 54.0% Previous Criteria -IFRS 52.0% 52.0% 48.5% 47.9% Recurring 44.9% 45.4% 47.0% 40.0% 39.7% 42.8% 41.4% 42.0% 39.0% 39.1% 42.7% 35.6% 37.0% 34.1% 34.1% 37.4% 32.0% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 3Q22 4Q22 1Q23 2Q23 3Q23 Revenues & Expenses Million Pesos 35,000 Recurring Rev. 30,000 Revenues IFRS Revenues Expenses 33,802 29,205 25,000 Expenses IFRS 20,000 15,000 L 10,400 -11,538 10,000 I I I 5,000 I 0 + 2011 4022 expenses +23% q/qion_1_6bn extraordinary expenses (personnel and amortizations). Strengthening commercial and SME teams as we anticipate increased demand in these sectors. 2019 2020 2021 2022 2023 11 Hist DB 2012 2013 2014 2017 2018 Rev Div NIM NI ROE TI LD Dep ICAP BAP Guid ESG Eco Loan C/I Mkt App GRUPO FINANCIERO BBANORTE

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