Investor Presentaiton
Core Banking Fees keep growing
Net fees (2%) q/q on derivatives' collateral interest
reclassification into the NII for around $160M;
+8%
Net Fees
9M23 y/y
Group: 9M23 +8% y/y;
Million
■Previous criteria IFRS
Bank: 9M23 +17% y/y
pesos
4,1874,094
3,864
4,000
Core banking fees (0%) q/q on seasonality; 9M23 +5%
y/y, with electronic banking services +7% y/y
3,500
POS transactions +4% y/y; +45% y/y in mobile
monetary transactions
3,000
3,214 3,289 3,457 4,003
2,500
1Q | 2Q | 3Q 4Q
1Q
2Q 3Q
4Q
1Q 2Q 3Q
2021
2022
2023
+4%
POS Transactions
Million
yly
Mobile Monetary
Transaction
+45%
yly
400
Million
350
Digital
Million
■ Physical
120
pesos
300
178 173
5,500
250
190
100
120
111
80
200
150
100
155
50 1 3
0
THE
83
60
4,500
1 01 9
40
52
20
0
3Q21
4Q21
3Q2°
4Q21
1Q22
2Q22
3Q22
4Q22
Core Banking Fees
DB
Div
Rev
10
NIM
NI
ROE
TI
LD
Dep
BAP
ICAP
Guid
ESG
Eco
Loan
Mkt
Hist
C/I
App
5,290
5,410 5,399
+5%
9M23 y/y
3,500
1Q 2Q 3Q 4Q
1Q
2Q 3Q
4Q
1Q
2Q
3Q
2021
2022
2023
GRUPO FINANCIEROView entire presentation