Investor Presentaiton

GRUPO FINANCIERO BANDRTE Cartera Fondeo Margen Financiero y Otros Ingresos Consumer: Personal Personal Loan Book $million pesos Growth (YoY) 50.0% 50,000 40,000 30,000 20,000 10,000 10.0% 8.0% 6.0% 4.0% 2.0% sondefmamjjasondefmamjj 2021 2022 Santander Banorte BBVA Scotiabank NPL 2023 CitiBanamex HSBC 30.0% 10.0% -10.0% -30.0% on 35% 30% 25% 3:86% 20% sondefmamjjasondefmamjjas 15% Utilidad 30.0% 1% 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% ndefmamjjasondefmamjjas 2021 Santander Sistema HSBC 2022 BBVA Banorte 2023 CitiBanamex Scotiabank Yield 1,200 1,000 800 600 22.0% 400 200 0 sondefmamjjasondefmamjjas 2021 2022 2023 Santander Banorte BBVA Scotiabank CitiBanamex HSBC 2021 Santander Banorte - Sistema 2022 2023 BBVA Scotiabank CitiBanamex HSBC Indicadores Market Share sondefmamjjason 2021 Santander Banorte 2022 BBVA Scotiabank Revenues $million pesos Notas 62 0.5% f ami as 2023 CitiBanamex HSBC کر sondefmamjjasondefmamjjas 2021 Santander Banorte 2022 BBVA Scotiabank 2023 CitiBanamex HSBC

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