Investor Presentaiton

Consumer 390,000 350,000 310,000 270,000 230,000 190,000 150,000 110,000 70,000 30,000 5.0% 4.0% 3.0% 2.0% GRUPO FINANCIERO BANORTE Cartera Fondeo Consumer Loan Book $million pesos sondefmamjjasondefmamjjas 2021 Santander Banorte 2022 BBVA 2023 CitiBanamex Scotiabank HSBC NPL Margen Financiero y Otros Ingresos 20% 10% 0% -10% -20% 30% 25% 20% 15% 2.42% sondefmamjjasondefmamjjas 2021 2022 Santander Banorte BBVA Scotiabank Growth (YoY) Utilidad sondefmamjjasondefmam amjjas 2021 Santander Banorte - Sistema 2022 BBVA Scotiabank 2023 CitiBanamex HSBC Yield Indicadores Market Share Notas 58 30.0% 25.0% 20.0% 15.0% 10.0% 12.4% 5.0% 0.0% sondefmamjjasondefmamjja 2021 Santander 2022 -Banorte BBVA Scotiabank s 2023 CitiBanamex ⚫HSBC 8,100 6,100 6.0% 4,100 sondefmamjjasondefmamjjas 2021 2022 2023 Santander CitiBanamex Banorte BBVA Scotiabank HSBC Sistema 2023 CitiBanamex HSBC 2,100 100 Revenues $million pesos sondefmamjjasondefmamjjas 2021 Santander 2022 2023 BBVA CitiBanamex Banorte Scotiabank HSBC

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