Investor Presentaiton

Summary GENTERA GENTERA % Change 1Q14 1Q13 4Q13 Annual Clients 2,840,979 2,688,133 2,754,860 5.7% Portfolio * 21,371 19,607 20,706 9.0% Quarter 3.1% 3.2% Net Income * 621 509 697 22.0% -10.9% NPLs/Total Portfolio 3.25% 3.64% 3.12% -0.4 pp 0.1 pp ROA 9.7% 8.8% 10.8% 0.9 pp -1.1 pp ROE 26.9% 23.0% 30.7% 3.9 pp -3.8 pp NIM 55.2% 52.4% 54.2% 2.8 pp 1.0 pp Efficiency Ratio 66.7% 63.1% 68.5% 3.6 pp -1.8 pp Capital / Total Assets 36.9% 38.4% 35.3% -1.5 pp 1.6 pp Average Loan (Ps.) 7,522 7,294 7,516 3.1% 0.1% Employees 19,224 Service Offices 605 18,493 567 19,339 4.0% -0.6% 577 6.7% 4.9% *Portfolio and Net Income are expressed in millions of Mexican Pesos. Mexico Peru Summary 1Q14 Clients 2,557,418 Portfolio (Millions of pesos) 16,975 A vs 1Q13 2.6% 3.7% 1Q14 212,162 4,182 A vs 1Q13 49.7% Guatemala 1Q14 A vs 1Q13 71,399 30.3% 35.3% 214 54.1% ROAA 13.1% 0.13 pp 7.4% 5.00 pp 4.2% 9.22 pp ROAE 35.6% 2.65 pp 63.4% 44.13 pp 4.5% 9.67 pp NIM 65.9% 4.93 pp 23.4% 2.53 pp 58.3% 17.04 pp NPL 2.98% -0.60 pp 4.34% 0.40 pp 3.33% -0.28 pp Write-offs (millions of pesos) 347.0 Coverage Ratio 151.4% 144.4% -8.41 pp Employees 16,817 3.1% Service Offices 527 5.0% 28.8 179.2% 1,905 50 32.7% -42.94 pp 8.9% 4.0 292.2% 111.8% 502 -8.30 pp 28.2% 28 14.4% 7.7% 1) Employees in Mexico include: Banco Compartamos, ATERNA and YASTAS. 27 22

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