Investor Presentaiton

2022 Guidance achieved and surpassed 29 29 Loan Growth NIM expansion NIM of Bank expansion Expense Growth Efficiency Cost of Risk Tax Rate Guidance 7% -9% 85-100 bps 100-115 bps 7.9% - 8.4% 37.5% 38.5% 1.3% -1.5% Actual 12% 90 bps 110 bps 5.3% recurring ✓ 9.1% total X 38.0% 1.4% Hist DB 25% -26% 26.2% Net Income 44.0 45.4 bn 45.4 bn ROE 2022 ROA 2022 18.7% 19.2% 19.2% 2.2% -2.3% 2.3% Div Rev Dep NIM TI LD Loan BAP Guid ESG Eco NI ROE ICAP Mkt App C/I GRUPO FINANCIERO BANORTE

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