Slides
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Corporate Presentation 3Q26
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About Banorte 3 Results NIM 9 Fees 11 Cost to Income 12 Net Income 13 Transformation 15 Deposits & Loans 21 Loans / Deposits 22 Deposits growth 23 Loan growth 24 Asset Quality - NPL 27 CAR 29 BAP (Insurance, Pension & Afore) 30 Insurance graphs & segments 31 Guidance 32 Market Presence 33 GFNorte 40 ESG 42 Appendix 46 Economic and Financial Perspectives 56 XNOR GFNORTEO GBOOY Table of Contents Markets Awards Indexes 2
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About GFNorte
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A Leading and Profitable Financial Franchise in México Adequate Business Mix Strong retail, wholesale, premium traditional and digital banking platforms, leading insurance and pension 4 Sound Fundamentals Solid asset quality High liquidity Strong capitalization Digital Strategy Leveraging heavy technology investment to deliver bespoke financial solutions and frictionless UX Solid Corporate Governance Independent Board: ~64% Global best practices and minority shareholder rights 1 432 GFNorte: Market Cap US$ 29.6 Bn | Float ~87%. Among top 3 most traded, high weight on S&P/BMV IPC. 6,000+ investors. Investment Grade Ratings by S&P, Fitch, Moody’s, HR Ratings.
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Regional Bank •Establishment •1982 - Nationalization Inorganic Growth •Privatization •1993 - Afin •1995 - Bancentro •1997 – Banpaís •1997 – Generali 50% •1999 – 100 years Business Diversification •2001 - Bancrecer •2006 – INB •2011 - IXE 20|20 Plan •2012 - Afore XXI 50% •2013 - Afore Bancomer •2013 - Generali 100% •2018 - G.F. Interacciones •Client Segmentation •IT: Central DB, Multichannel •Profitability 1,2,3 Plan •2020 - J.V. Rappi •Banorte’s Digital Transformation •Bineo– Digital Bank 4,5,6 Plan •Making the Ordinary Extraordinary •Best Experience •Best Personalized Offer •Best Business Operation Digital Strategy •Sale of bineo •J.V. Rappi 100% 2025 2020-2023 2012-2019 2000-2011 1992 - 1999 1899 2024 From Regional Bank to Second Largest National Financial Group 5 2.3% Loan Book Mkt Share 15.2% 2026 New Value Proposition •VA’s launch