Investor Presentaiton

Strong Capital Position Capital Adequacy Ratio Basel III 21.1% 20.0% 20.3% 20.2% 19.7% 19.0% 18.1% 18.6% 1.0% Tier 2 17.2% 17.2% 15.1% 15.3% 15.3% 14.6% 5.3% Total Tier 1 19.2% Dividends already in GFNorte's balance sheet 11.40% 9.40% 9.70% 13.8% 11.5% 12.7% 12.4% 12.1% 11.9% 12.7% 13.1% 13.3% 12.7% 13.2% 13.7% 13.9% CET1 12.2% 7.90% 7.70% 6.20% Temporary 2013 2014 2015 2016 2017 2018 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 RWA +17% +11% +8% +16% (2%) +19% +20% +19% +5% +7% +9% +15% +17% +17% *RWA= Risk Weighted Assets annual growth 36 Eco Hist DB NIM Rev C/I NI Div ROE LD Dep Loan ICAP BAP Guid Mkt App Minimum Regulatory Ratios waiver GRUPO FINANCIERO BANORTE

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