Investor Presentaiton

○ Strategy - Client centric & Digital Evolution PRODUCTS & SOLUTIONS Deposits & Loans Insurances Pension Annuities Wealth Mngt. Client Segmentation ■ 11 million ex-Afore clients 8.6 million Afore clients ■ Structured Info & Learning (Central DB & Watson) ■ Behavior understanding Analytics PROCESSES Account opening - Credit Analysis Next Best Offer - Next Best Action DISTRIBUTION CHANNELS Mobile Internet > 10M Rappi clients Rappi JV Consumer focus New customer behavior Digital Bank ATM Contact Center Branches Div DB Rev Dep TI LD Loan BAP Guid ESG Eco NIM 6 NI ROE ICAP Mkt App Hist C/I VIS Google Hyper-personalization Cost GRUPO FINANCIERO BANORTE

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