Investor Presentaiton

▸ Efficiency Ratio Efficiency Ratio for 2Q19 remains stable at 43.8% and 43.3% for 6M19 below the 44.2% in 6M18. Efficiency Ratio Evolution vs. Peers Operating Expenses/Total Revenues | % (1) $4,000 $3,500 49.6% 49.3% 48.6% $3,000 $2,500 45.2% $2,000 43.8% 43.8% $1,500 $1,000 $500 2Q17 2Q18 2Q19 (2) ■BanBajio Peers Average Total Revenues and Expenses (1) Ps$ MM | Quarterly 3,665 -1,605 2017 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 Source Company information and CNBV Revenues •Expenses Notes: (1) Total Revenues (excluding Loan Loss Provisions). (2) Peers Include: Banorte, Banregio, BBVA Bancomer, Citibanamex, HSBC, Santander and Scotiabank consolidated figures. 17

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