Investor Presentaiton

Insurance business steadily improving Operating Income increased +20% sequentially and +95% full year. Claims +5% q/q, normalization continues for COVID- related claims (health, life & auto). Retained Insurance Premiums Million pesos 12,000 10,000 8,000 Technical Reserves 6,000 4,000 2,000 (2,000) 0 (248) 1,062 ༄༄ 2020 2021 2022 (833) 103 6,000 5,270 5,300 Change 4Q22 2022 y/y Damages & Claims (Million Pesos) q/q yly 4,575 Interest Income (Net) 576 6% 103% Premium Income (Net) 5,300 31% 1% 1,980 70% 24,653 5% 4,051 6,000 4,000 Net Increase in Tech. Reserves Cost of Aq. from Insur. Oper. Claims Securities-Realized Gains Other Operating Income Non-Interest Expense Operating Income 103 112% 612 3% (90%) 2,924 (27%) 4,119 20% 2,528 16% 3,901 4,000 2,000 3,469 3,642 3,642 5% (7%) 14,774 (6%) 278 142% 38% 224 (40%) 22 203% (97%) 362 51% 1,457 20% 454 (66%) (15%) 1,524 (0%) 3 182% 5,557 95% 2020 2021 2,000 2022 2020 2021 2022 DB Rev Div Dep 288 NIM TI LD Loan BAP Guid ESG Eco Hist NI ROE ICAP Mkt App GRUPO FINANCIERO BANORTE C/I

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