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Investor Presentaiton

We have consistently maintained industry-leading asset quality Scotiabank Santander citibanamex NPLs Best-in-Class Asset Quality 2Q19% NPLs Adjusted for Write-Offs (1) 2.25% citibanamex 2.23% Santander 2.15% BBVA Bancomer BBVA Bancomer 2.05% HSBC HSBC 1.95% BBANORTE BBANORTE 1.85% Scotiabank® BANREGIO 8B BANBAJIO 1.64% 5.90% 5.09% 4.64% 4.16% 3.64% 3.17% BANREGIO 2.19% 0.84% 8B BANBAJIO 1.68% 0% 1% 2% 3% 0% 1% 2% 3% 4% 5% 6% 7% Source: Company information consolidated, CNBV Notes: (¹) Adjusted NPL Ratio = (Non-performing loan portfolio + write-offs) / Average (Gross loan portfolio + write-offs) for the period (12 months). 10 10

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