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
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