Investor Presentaiton

Core Banking Fees keep growing Net Fees +7% q/q, +10% full year, driven by: Core banking fees +8% q/q, and +19% full year; ■ Electronic banking services +26% full year. +10% Net Fees 2022 y/y 4,504 Million pesos Previous criteria IFRS 4,277 4,216 4,000 Digital transactions leading annual growth, +19% in POS, +55% in mobile monetary transactions. 3,000 2,000 1,000 3,455 3,069 3,096 3,599 3,214 1Q 2Q 3Q 4Q 2020 3,289 3,457 4,003 1Q 2Q 3Q 4Q 2021 1Q 2Q 3Q 4Q 2022 POS Transactions +19% Mobile Monetary 4Q yly Transaction +55% 4Q y/y Millions Millions 350 300 Digital Physical 80 187 190 250 176 200 155 150 100 1 8 1 1 50 87 0 2828542UO 90 70 60 Core Banking Fees 5,687 Million pesos 5,290 5,109 5,000 93 83 4,000 177 60 20 43 +11% yly 3,000 10 1Q201 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 2,000 1Q 2Q 3Q 4Q 1Q 2020 2Q 3Q 2021 4Q Div Hist DB Rev Dep NIM TI LD Loan BAP Guid ESG Eco NI ROE ICAP Mkt App C/I 1Q 2Q 3Q 4Q 2022 GRUPO FINANCIERO BANORTE

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