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Grupo Financiero Scotiabank Inverlat, SA De CV

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Grupo Financiero Scotiabank Inverlat, S. A. de C. V. (A foreign-owned Mexican Holding Company) and subsidiaries Consolidated financial statements December 31, 2017 and 2016 (With Independent Auditors’ Reports Thereon) (Free Translation from Spanish Language Original) Independent Auditors’ Report (Free Translation from Spanish Language Original) The Board of Directors and Stockholders Grupo Financiero Scotiabank Inverlat, S. A. de C. V.: Opinion We have audited the consolidated financial statements of Grupo Financiero Scotiabank Inverlat, S. A. de C. V. and Subsidiaries (the Group), which comprise the consolidated balance sheets as at December 31, 2017 and 2016, the consolidated statements of income, changes in stockholders’ equity and cash flows for the years then ended, and notes comprising a summary of significant accounting policies and other explanatory information. In our opinion, the accompanying consolidated financial statements of Grupo Financiero Scotiabank Inverlat, S. A. de C. V. and Subsidiaries, have been prepared, in all material respects, in accordance with the Accounting Criteria for Financial Group Holding Companies in Mexico issued by the National Banking and Securities Commission (the Banking Commission). Basis for opinion We conducted our audit in accordance with International Standards on Auditing (ISAs). Our responsibilities under those standards are further described in the Auditors’ Responsibilities for the Audit of the Consolidated Financial Statements section of our report. We are independent of the Group in accordance with the ethical requirements that are relevant to our audit of the consolidated financial statements in Mexico, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Responsibilities of management and those charged with governance for the consolidated financial statements Management is responsible for the preparation of these consolidated financial statements in accordance with the Accounting Criteria for Financial Group Holding Companies in Mexico established by the Banking Commission, and for such internal control as management determines is necessary to enable the preparation of consolidated financial statements that are free from material misstatement, whether due to fraud or error. (Continued) 2 In preparing the consolidated financial statements, management is responsible for assessing the Group’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless management either intends to liquidate the Group or to cease operations, or has no realistic alternative but to do so. Those charged with governance are responsible for overseeing the Group’s financial reporting process. Auditors’ responsibilities for the audit of the consolidated financial statements Our objectives are to obtain reasonable assurance about whether the consolidated financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditors’ report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these consolidated financial statements. As part of an audit in accordance with ISAs, we exercise professional judgment and maintain professional skepticism throughout the audit. We also: Identify and assess the risks of material misstatement of the consolidated financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Group’s internal control. Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by management. (Continued) 3 Conclude on the appropriateness of management’s use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Group’s ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditors’ report to the related disclosures in the consolidated financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditors’ report. However, future events or conditions may cause the Group to cease to continue as a going concern. Obtain sufficient appropriate audit evidence regarding the financial information of the entities or business activities within the Group to express an opinion on the consolidated financial statements. We are responsible for the direction, supervision and performance of the group audit. We remain solely responsible for our audit opinion. We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. KPMG CÁRDENAS DOSAL, S. C. SIGNATURE Ricardo Lara Uribe Mexico City, February 22, 2018. Grupo Financiero Scotiabank Inverlat, S. A. de C. V. and subsidiaries (A foreign-owned Mexican Holding Company) Consolidated balance sheets December 31, 2017 and 2016 (Millions of Mexican pesos) Assets 2017 2016 Liabilities and Stockholders' Equity 2017 2016 Cash and cash equivalents (note 6) $ 32,318 33,025 Deposit funding (note 15): Demand deposits $ 176,028 146,541 Margin accounts 67 306 Time deposits: General public 92,351 74,321 Investment securities (note 7): Money market 24,072 19,750 Trading 9,026 12,349 Debt securities issued 26,254 13,528 Available-for-sale 44,684 32,278 Global account of deposits with no movements 509 346 Held-to-maturity 4,678 5,457 319,214 254,486 58,388 50,084 Banking and other borrowings (note 16): Derivatives (note 9): Due on demand 180 897 Trading purposes 18,466 19,427 Short-term 6,845 13,983 Hedging purposes 5,115 1,274 Long-term 6,597 6,749 23,581 20,701 13,622 21,629 Assigned securities to be settled (note 7b) 674 3,931 Valuation adjustment from hedging of financial assets (note 10c) (530) (571) Creditors on repurchase/resell agreements (note 8) 16,572 7,056 Current loan portfolio (note 10): Commercial loans: Collateral sold or pledged (note 8): Business or commercial activity 124,089 92,543 Securities lending 34 66 Financial entities 32,504 26,739 Government entities 11,163 6,501 Derivatives (note 9): Trading purposes 18,866 20,333 167,756 125,783 Hedging purposes 3,884 133 22,750 20,466 Consumer loans 36,710 29,878 Residential mortgages: Valuation adjustments from hedging Medium and residential 103,092 90,174 financial liabilities (note 15b) 29 34 Low income housing 138 163 Loans acquired from INFONAVIT 1,244 - Other accounts payable: 104,474 90,337 Income tax payable 1,045 944 Employee statutory profit Total current loan portfolio 308,940 245,998 sharing payable (note 19) 221 278 Creditors on settlement of transactions Past due loan portfolio (note 10): (notes 3c, 6, 7a and 9 ) 4,312 7,341 Creditors on margin account 31 - Commercial loans: Creditors on collateral received Business or commercial activity 3,170 2,825 in cash 1,327 1,003 Financial entities 110 111 Sundry creditors and other accounts Consumer loans 1,409 1,222 payable 9,013 7,334 Residential mortgages: Medium and residential 2,750 2,257 15,949 16,900 Low income housing 23 23 Total past due loan portfolio 7,462 6,438 Subordinated debt issued (note 20) 2,101 2,100 Loan portfolio 316,402 252,436 Deferred credits and prepayments 1,341 1,114 Total liabilities 392,286 327,782 Less: Allowance for loan losses (note 10e) 9,781 7,750 Stockholders' equity (note 21): Total loan portfolio, net 306,621 244,686 Paid-in capital: Capital stock 4,507 4,507 Benefits receivable from securitization transactions (note 11) 75 50 Earned capital: Statutory reserves 901 901 Retained earnings 39,194 34,178 Other accounts receivable, net 9,603 12,284 Unrealized result from valuation of available-for-sale securities (13) (47) Unrealized result from valuation of cash flow Foreclosed assets, net (note 12) 86 79 hedge instruments 423 337 Remeasurements of defined Premises, furniture and employees' benefits (note 17) (260) 71 equipment, net (note 13) 3,983 3,832 Net income 7,156 5,018 47,401 40,458 Permanent investments (note 14) 112 108 Deferred taxes and deferred employees' Total stockholders' equity 51,908 44,965 statutory profit sharing, net (note 19) 5,426 4,581 Other assets: Deferred charges,
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    BANBAJÍO INFORMA ACCIÓN DE CALIFICACIÓN TOMADA POR FITCH RATINGS León, Guanajuato a 22 de abril del 2020 - Banco del Bajío, S.A., Institución de Banca Múltiple (BMV: BBAJIO) (“BanBajío”), informa que el día de ayer la calificadora Fitch Ratings tomo acciones en calificaciones de 13 bancos mexicanos con calificaciones en escala internacional, luego de la baja de la calificación soberana de México y del ajuste en la evaluación del entorno operativo. Derivado de esta acción, las calificaciones de BanBajío en escala global tuvieron los siguientes movimientos: Anterior Actual I. Escala global Issuer Default Issuer Default (moneda local y Rating (IDR) Rating extranjera) Corto plazo (CP) F3 B Largo plazo (LP) BBB- BB+ Perspectiva LP Estable Negativa Calificación de Viabilidad bbb- bb+ Calificación soporte 3 4 Calificación soporte (piso) BB- B+ Para mayor información se anexa el comunicado completo, el cual puede ser consultado en la siguiente liga: https://www.fitchratings.com/research/es/banks/fitch-takes-actions-on-13-mexican-banks-due-to- operating-environment-deterioration-21-04-2020 CONTACTO | Relación con Inversionistas Alberto Guajardo Melanie Carpenter Banco del Bajío i-advize Corporate Communications Tel: +52-477-710-4632 Tel: +1 (212) 406-3692 [email protected] [email protected] www.bb.com.mx 4/22/2020 Fitch Takes Actions on 13 Mexican Banks Due to Operating Environment Deterioration RATING ACTION COMMENTARY Fitch Toma Acciones en Calicaciones de Trece Bancos Mexicanos por Deterioro del Entorno Operativo Tue 21 Apr, 2020 - 8:50 PM ET Fitch Ratings - Monterrey - 21 Apr 2020: Fitch Ratings realizó una revisión del portafolio de bancos mexicanos con calicaciones en escala internacional luego de la baja de la calicación soberana de México y del ajuste en la evaluación del entorno operativo.