Investor Presentaiton
‣ Income Statement
Var.
Ps$ MM
2Q18
1Q19
2Q19
YoY
QoQ
O Interest Income
Interest Expense
$4,776
$5,576
$5,827
22.0%
4.5%
(1,994)
(2,494)
(2,764)
38.6 %
10.8 %
Financial Margin
$2,782
$3,082
$3,063
10.1 %
-0.6%
Net Fees & Commissions
440
407
423
-3.9%
3.9%
Trading Income
87
87
132
51.7 %
51.7%
Other Operating Income / (Expense)
66
64
47
-28.8 %
-26.6%
Non Interest Income
593
558
602
1.5%
7.9%
Total Revenues
$3,375
$3,640
$3,665
8.6%
0.7%
Allowance for Loan Losses
(245)
(177)
(162)
-33.9 %
-8.5 %
Administrative and Advertising Expenses
(1,477)
(1,557)
(1,605)
8.7%
3.1%
■ Equity in income of unconsolidated
1
(2)
1
0.0 %
-150.0%
subsidiaries
Income Before Taxes
$1,654
$1,904
$1,899
14.8%
-0.3%
■ Taxes
(430)
(494)
(487)
13.3 %
-1.4%
Net Income
$1,224
$1,410
$1,412
15.4 %
0.1 %
Effective Tax Rate
26.0%
25.9%
25.6%
-35 b.p.
-30 b.p.
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