Investor Presentaiton

Improving Efficiency Cost to Income 56.0% 54.0% 55% 52.0% 48.5% 47.9% Recurring 50% 46.6% 40.0% 39.7% 44.9% 42.8% 45% 41.4% 41.7% 40.6% 39.0% 39.1% 38.9% 38.8% 40% 35% 2011 2012 2013 2014 2015 2016 2017 2018* 2019* 2020 4Q19 1Q20 2Q20 3Q20 4Q20 -0% +9%* +19%* 25,000 Revenues! +13% Recurring Rev. +10% 20,000 Expenses +13% +5% 15,000 +11% +8% +7% +5% +4% +4% +7% 10,000 5,000 23 23 0 I 2011 2012 2013 2014 2015 Eco Hist DB NIM Rev C/I NI Div ROE LD I I 2016 2017 I I * Recurring 2018 2019 2020 Dep Loan ICAP BAP Guid Mkt App GRUPO FINANCIERO B BANORTE

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