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Sound Asset Quality 3.5% 2.5% 2.1% 1.9% 1.5% 0.5% NPL Ratio 3.1% 2.9% Anticipated Write-offs reducing NPL 2.2% 14.6 bn 10.8 bn 2.0% 1.8% 1.7% 1.7% 1.7% 1.1% 1.2% 1.1% 0.8% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1Q20 2Q20 3Q20 4Q20 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 Credit Cards Payroll Car Loans Mortgage 5.5% 5.9% 5.9% 6.0% 5.4% 5.8% 5.5% 3.1% 7.8% 3.7% 3.0% 3.8% 3.4% 3.3% 2.7% 3.3% 1.7% 2.7% 1.1% 0.9% 1.0% 1.0% 1.0% 0.9% 1.2% 0.7% 0.6% 0.9% 1.0% 1.0% 1.1% 1.1% 1.2% 1.3% 1.0% 0.9% Commercial 1.9% 2.1% 2.4% 2.5% 2.4% 2.3% 1.1% 0.9% 1.2% SME 5.5% 5.9% 6.4% 6.5% 6.6% 7.0% 3.7% 1.9% 2.0% Commercial ex-SME 0.9% 1.1% 1.3% 1.6% 1.3% 1.2% 0.6% 0.7% 1.0% Corporate 2.9% 2.9% 3.0% 2.8% 1.8% 1.8% 0.3% 0.3% 0.1% Government 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.2% 0.0% Total GFNorte 1.7% 1.7% 1.9% 1.9% 1.7% 1.7% 1.2% 0.8% 1.1% 44 34 Eco Hist DB NIM Rev C/I NI Div ROE LD Dep Loan ICAP BAP Guid Mkt App GRUPO FINANCIERO BANORTE

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