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Investor Presentaiton

47 Quarterly Summary Financial Ratios GFNorte 4Q21 3Q22 4Q22 2021 2022 NIM (1) 6.1% 6.7% 6.6% 5.4% 6.3% ROE (2) 15.5% 19.6% 19.4% 15.3% 19.2% ROA (3) 1.9% 2.3% 2.3% 1.8% 2.3% Efficiency Ratio (4) 46.9% 36.4% 41.4% 42.7% 38.0% Operating Efficiency Ratio (5) 2.5% 2.1% 2.6% 2.2% 2.2% CCL Banorte and SOFOM - Basel III (6) 201.7% 160.4% 154.6% 201.7% 154.6% Past Due Loan Ratio 0.9% 1.0% 1.1% 0.9% 1.1% Coverage Ratio 207.4% 188.5% 179.5% 207.4% 179.5% Banxico Reference Rate 5.50% 9.25% 10.50% 5.50% 10.50% TIIE 28 days (Average) 5.17% 8.47% 10.00% 4.62% 7.88% Exchange Rate Peso/Dollar (8) 20.47 20.09 19.47 20.34 19.90 Tax Rate 20.1% 26.7% 24.8% 24.1% 26.2% Statement of Financial Position Highlights Change 4Q21 3Q22 4Q22 (Million Pesos) 3Q22 4Q21 Asset Under Management 3,144,794 3,161,180 Loans Stage 1 Loans Stage 2 814,502 6,917 Performing Loans, Stage 1 & 2 (a) 821,419 866,330 9,710 876,040 3,214,060 913,049 2% 2% 5% 12% 6,832 (30%) (1%) 919,881 5% 12% Past Due Loans, Stage 3 (b) 7,919 9,259 9,973 8% 26% Deferred Items (c) Total Loans (a+b+c+d) Preventive Loan Loss Reserves Total Loans Net Total Assets Total Deposits Total Liabilities Equity 1,704 1,560 2,042 31% 20% Loan Portfolio from Insur. Subs.(d) 2,827 3,123 3,188 2% 13% 833,870 889,982 935,084 5% 12% 16,424 817,446 1,909,088 799,025 1,671,848 17,451 872,530 2,033,008 17,899 3% 9% 917,185 5% 12% 2,070,072 2% 8% 872,912 897,192 3% 12% 1,789,097 1,831,040 2% 10% 237,239 243,911 239,033 (2%) 1% DB Rev Div Dep NIM TI LD Loan BAP Guid ESG Eco Hist NI ROE ICAP Mkt C/I App GRUPO FINANCIERO BANORTE
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