Investor Presentaiton
○ Quarterly Summary
Income Statement Highlights - GFNorte
(Million Pesos)
Interest Income
2Q21
Change
1Q22
2Q22
1H21
1H22
1Q22 2Q21
Change
1H21
Interest Expense
Net Interest Income
46,287 55,171 60,289
24,502 28,249 33,238
21,785 26,922 27,051
9% 30%
18% 36%
49,116
0%
24%
44,562
93,678 115,460 23%
61,487 25%
53,973 21%
Net Service Fees
3,644
4,010
4,313
8%
18%
7,375
8,322
13%
Premium Income Ins. & Annu. (Net)
8,602
15,756
8,967
(43%)
4%
23,942
24,723
3%
Technical Reserves Ins. & Annu.
4,983
11,699
5,685
(51%)
14%
15,999
17,384
9%
Cost of Acquisition from Insurance Operations
231
468
308
(34%)
33%
565
775
37%
Net Cost of Claims and Other Obligations
5,777
6,796
6,594 (3%)
14%
12,873
13,389
4%
Trading
744
1,466
1,032 (30%)
39%
1,604
2,498
56%
Other Operating Income (Expenses)
Non-Interest Income
Total Income
Non-Interest Expense
Provisions
Operating Income
Taxes
Subsidiaries' Net Income
Minority Interest
Net Income
(225)
(794)
(312) 61%
(38%)
(310)
(1,106) (256%)
1,774
1,476
1,413
(4%) (20%)
3,174
2,889 (9%)
23,559
28,398
28,464
0% 21%
47,736
56,862
19%
10,024
10,712
10,767
1%
7%
20,081
21,479
7%
2,766
2,668
2,434
(9%)
(12%)
5,980
5,102 (15%)
10,770 15,018
15,264
2%
42%
21,675
30,282
40%
2,756
4,331
3,703
(15%) 34%
5,434
8,034 48%
676
197
128
(35%) (81%)
1,106
325
(71%)
122
136
166
22% 35%
234
301
29%
8,568
10,748
11,524
7% 34%
17,112
22,272
30%
45
45
Div
DB
Rev
Dep
NIM
TI
LD
Loan
BAP
Guid
ESG
Eco
NI
ROE
ICAP
Mkt
App
C/I
Hist
GRUPO FINANCIERO
BANORTEView entire presentation