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Investor Presentaiton

▸ Increasingly diversified and low-cost funding base Funding Breakdown | Ps$ Bn Total Deposits Growth (Demand + Time) 160,000 150,000 140,000 130,000 120,000 110,000 100,000 90,000 Notes: Cost of 20.0% 19.1% funding 199.5 18.0% 16.3% 176.0 16.0% 7.6% 20% 14.0% 21% Interbank Loans 5% 12.0% (Primarily Development 10.5% 10.7% 7% Bank Loans) 10.0% 42% 6.7% Repos 6.2% 8.0% 39% Time Deposits 6.0% 4.0% Demand Deposits 4.0% 2.2% 2.0% 34% 33% 0.0% 2Q17 2Q18 2Q19 2Q18 2Q19 BanBajio System Total Deposits * | Million Pesos CAGR '16-'2Q19: 13.8% System (") 6.8% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2016 2017 2018 -2019 7.0% Cost of Total Funding | % (3) June 19: System 5.3% (4) 7.9% 8.5% 5.7% 4.3% 4.7% 2Q17 2Q18 2Q19 (2) Cost of Funding Avg. TIIE 1. Total Banca Multiple consolidated figures June 19. 2. Interest expense divided by total funding (deposits, interbank loans, repos). 3. Includes repos, derivatives, and changes in adjustment to financial asset hedging valuation. 4. Annualized. Source: Company information, CNBV *Includes Repos. 12
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