BBVA Bancomer/2018 Annual Report

Ο Main initiatives In pursuing the objectives for 2018, highlights included: • • In 2018, a total 1.02 billion pesos was awarded, mainly relating to consumer loans (33%) and mortgage lending (32%)4. At year-end 2018, clients had used the Apartados app to set aside money from their accounts on no less than 147,000 occasions, bringing the closing balance to 85 million pesos. This functionality aids with the development of lending products and fosters good savings habits5. Short-term loans known as "Salary advances", which are arranged through ATMs and SMS messages, reached a monthly average of 65 thousand placements6. In relation to life insurance, which is also arranged through ATMs, a total of 165,000 policies had been taken out by year-end 20187. The banking penetration of the beneficiaries of the 10 million-plus family remittances arranged through BBVA Bancomer continued to increase during the period. Remittances settled through payments into account climbed from 45% in 2017 to 51% in 20188. New methods were explored in 2018 to make future enhancements to the collection experience of beneficiaries of family remittances. The Bank also continued to work towards solutions that will afford our clients more options when recharging their cell phone, while providing loans and investment products that are better suited to their money management habits, and increasing the range of third- party service payments available through banking correspondents. 4 Data compiled from campaign tables at December 2018. 5 Information obtained from the Apartados table at December 2018. 6 Information obtained from the Loans table at December 2018. 7 Data compiled from insurance tables at December 2018. 8 Figures obtained from BTS at October 2018. Financial literacy (FL) Financial literacy (FL) is one of the strategic priorities of BBVA Bancomer's Responsible Banking Plan. The Banks is using its Global Financial Literacy Plan to help people acquire financial knowledge and skills, thus contributing towards social development. The goal of financial literacy is to enable people to make informed decisions, thus improving their financial well-being and making them more aware of the risks and opportunities that exist. The groups impacted by our Financial Literacy strategy are children, young people, adults, clients, non-clients and entrepreneurs, becoming more a part of the business side. We have a specific approach for each of them. FL focuses on three main segments: $ Financial culture to prepare children and young people for their future. Financial literacy for adults. 72 Training in finances and skills for SMEs. Through these three focal points, FL seeks to have a positive impact on business and on the development and economic future of the country's business fabric. FL is fully aligned with the institutional strategy aimed at digital transformation, and its work therefore focuses on developing digital products and content. To achieve this, the initiative has partnered up with the different business areas to help ensure that these initiatives also promote the use of the digital tools and products developed by the Bank. As part of the Bank's ongoing digital transformation, the FL department was restructured in 2018 to group its programs into four main categories: • • Face-to-face: sessions delivered by a facilitator or trainer. Digital: financial literacy through the Bank's apps or digital products, or through the portal www. educacionfinancierabancomer.com. Special programs: agreements with universities or institutions. Coaching: financial advice provided over the phone. BBVA Bancomer/2018 Annual Report

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