Investor Presentaiton
Quarterly Summary
Financial Ratios GFNorte
2Q21
1Q22
2Q22
1H21
1H22
NIM (1)
5.0%
6.0%
5.9%
5.2%
6.0%
ROE (2)
15.1%
18.1%
19.6%
15.2%
18.9%
ROA (3)
1.8%
2.2%
2.3%
1.8%
2.2%
Efficiency Ratio (4)
42.5%
37.7%
37.8%
42.1%
37.8%
Operating Efficiency Ratio (5)
2.1%
2.2%
2.1%
2.1%
2.2%
CCL Banorte and SOFOM - Basel III (6)
210.2%
221.9%
176.6%
210.2%
176.6%
Past Due Loan Ratio
1.3%
1.0%
1.0%
Coverage Ratio
Cost of Risk (7)
172.7%
202.5%
193.4%
1.3%
172.7%
1.0%
193.4%
1.36%
1.27%
1.13%
1.5%
1.2%
Banxico Reference Rate
4.25%
6.50%
7.75%
4.25%
7.75%
TIIE 28 days (Average)
4.29%
6.01%
7.04%
4.33%
6.53%
Exchange Rate Peso/Dollar (8)
19.91
19.91
20.13
20.17
20.02
Tax Rate
25.6%
28.8%
24.3%
25.1%
26.5%
Balance Sheet Highlights - GFNorte
2Q21
1Q22
2Q22
Change
(Million Pesos)
1Q22 2Q21
Asset Under Management
3,101,420
Loans Stage 1
787,909
Loans Stage 2
7,219
3,208,835
827,419
7,329
3,128,108
853,365
(3%)
1%
3%
8%
7,401
1%
3%
Performing Loans, Stage 1 & 2 (a)
795,128
834,748
860,766
3%
8%
Past Due Loans, Stage 3 (b)
10,618
8,440
8,898
5%
(16%)
Deferred Items (c)
1,505
1,580
1,590
1%
6%
Loan Portfolio from Insur. Subs.(d)
2,601
2,927
3,025
3%
16%
Total Loans (a+b+c+d)
809,851
847,695
874,279
3%
8%
Preventive Loan Loss Reserves
18,337
Total Loans Net
Total Assets
Total Deposits
Total Liabilities
Equity
791,514
1,923,999
17,090
830,605
2,035,427
17,208
1%
(6%)
857,071
3%
8%
2,033,316
(0%)
6%
810,082
836,028
865,191
3%
7%
1,694,677
1,791,336
1,800,068
0%
6%
229,322
244,091
233,248 (4%)
2%
DB
Rev
Div
Dep
NIM
TI
LD
Loan
BAP
Guid
ESG
Eco
Hist
NI
ROE
ICAP
Mkt
App
C/I
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GRUPO FINANCIERO
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