Investor Presentaiton
Quarterly Summary
Financial Ratios GFNorte
4Q19
3Q20
4Q20
2019
2020
NIM (1)
5.7%
5.1%
4.8%
5.62%
5.30%
ROE (2)
19.0%
16.9%
10.9%
20.1%
14.8%
ROA (3)
2.3%
2.0%
1.3%
2.3%
1.8%
Efficiency Ratio (4)
40.6%
41.7%
46.6%
39.1%
41.4%
Operating Efficiency Ratio (5)
2.7%
2.4%
2.6%
2.6%
2.5%
CCL Banorte and SOFOM - Basel III (6)
133.5%
193.6%
192.5%
133.5%
0.0%
Past Due Loan Ratio
1.7%
0.8%
1.1%
1.7%
1.1%
Coverage Ratio
137.7%
265.2%
224.0%
137.7%
224.0%
Cost of Risk (7)
1.98%
1.56%
2.97%
1.98%
2.75%
Banxico Reference Rate
7.25%
4.25%
4.25%
7.25%
4.25%
TIIE 28 days (Average)
7.86%
4.99%
4.51%
8.32%
5.73%
Exchange Rate Peso/Dolar
18.86
22.14
19.91
19.30
22.16
Tax Rate
24.4%
26.0%
22.5%
25.7%
24.5%
Balance Sheet Highlights - GFNorte
Change
4Q19
3Q20
4Q20
(Million Pesos)
3Q20 4Q19
Asset Under Management
2,771,604 2,981,568
2,975,753
(0%)
7%
Performing Loans (a)
762,642
798,478 802,138
0%
5%
Past Due Loans (b)
12,806
6,660
8,931
34%
(30%)
Total Loans (a+b)
775,448
805,138
811,070
1%
5%
Total Loans Net (d)
757,809
787,473
791,066
0%
4%
Acquired Collection Rights (e)
1,601
Total Credit Portfolio (d+e)
759,410
Total Assets
1,580,010
Total Deposits
Total Liabilities
Equity
1,341
1,617
788,814 792,682
1,795,306 1,787,904
724,490 813,104 821,712
1,384,012 1,577,935 1,562,801
21%
1%
0%
4%
(0%) 13%
1%
13%
(1%)
13%
Total Performing Loans ex-Government
195,998 217,371 225,103
588,654 635,869 640,576
4%
15%
1%
9%
54
44
Eco
Hist DB NIM Rev
C/I
NI Div ROE
LD
Dep Loan
ICAP
BAP
Guid
Mkt App
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