Investor Presentaiton

35 Sound Asset Quality 270% 240% Coverage Ratio 224% 201% 265% 224% 210% 180% 143% 138% 139% 142% 138% 140% 150% 129% 116% 105% 107% 120% 90% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1Q20 2Q20 3Q20 4Q20 Cost of Risk 4.5% 4.0% Current Prev. Criteria Recurring 3.5% 2.8% 3.0% 2.3% 2.2% 2.5% -2.0% 2.0% 2.2% 1.5% 1.8% 1.8% 1.0% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1Q20 2Q20 4.2% W 4Q20 3.0% .6% 1.8% 3Q20 * Cost of Risk: Provisions / Average Total loans (Performing + Past Due), On current criteria all the recoveries are register on Provisions (net) 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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