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Investor Presentaiton

12 Public debt will increase around 10%-pts of GDP in 2020, resuming its downward trend in 2021 Public debt¹ % of GDP 60 50 50 40 40 30 20 20 10 10 0 37.2 37.2 36 36 34.8 33.2 32.9 32.3 30.6 30.9 31.1 29.5 28.8 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 40 40 48.7 46.5 45.7 44.9 44.8 42.6 (1) 54.7 53.7 (2) 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Source: MoF 1. HBPSBR - Historical Balance of the Public Sector Borrowing Requirements. Due to... Exchange rate depreciation (30% of total debt is foreign denominated); Fall in revenues, surpassing spending cuts, with special assignation due to the health crisis; (3) Lower oil output relative to expectations, and (4) Fall in nominal GDP for the first time since 1980 Credit ratings Fitch Ratings S&P Global MOODY'S BBB+ BBB+ Baa1 BBB BBB Baa2 BBB- BBB- Baa3 BB+ BB+ Ba1 BB BB Ba2 BB- BB- Ba3 Eco Hist DB NIM Rev C/I NI Div ROE LD Dep Loan ICAP BAP Guid Mkt App GRUPO FINANCIERO BANORTE
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