GFNORTE AT A GLANCE

About Grupo Financiero (GFNORTE) Banorte was founded in 1899 in the city of , where it first started operations as a small Assets Under Management Share Performance & Dividends regional player. In 1992, in the banking privatization process, Banorte was acquired by a group Billion Pesos of entrepreneurs led by Roberto Gonzalez Barrera. Through a series of key acquisitions after the GFNORTEO IPC Dividends Mexican financial crisis of the mid 1990’s, Banorte was able to consolidate a nationwide presence in US 124 bn . It now operates as a financial group known as Grupo Financiero Banorte (GFNorte), offering 2,103 universal banking products, a wide array of products and services through its broker dealer, annuities 2,039 & insurance companies, retirements savings funds (Afore), mutual funds, leasing & factoring company and warehousing. 1,829 615 Afore XXI Banorte 606 250 3,000 1,471 542 GFNORTEO (BMV) 93 2,702 2,500 86 Insurance & Annuities 200 GBOOY (OTCQX) 1,296 245 146 Aprox. 90% Float and 144 Mutual Funds

71 PesosMillion XNOR (Latibex) 203 60 More than 4,000 112 2,000 Investors: 99 Symbols: 50 150 2,178 81 589 589 Broker Dealer 536 1,500 569 712 498 100 1,105 1,703 86 39 1,000 37 1,210 137 50 Highlights 660 1,052 500 569 615 Banking Sector 499 413 464 31, 2009 Base 100= December Total Shares 0 0 & ADRs Dec’09 Dec’10 Dec’11 Dec’12 Dec’13 Dec’14 Sep’15 Oustanding: IPC (BMV) 2010 2011 2012 2013 2014 3Q15 Main Sustainable IPC (BMV) Indices: MSCI Mexico FTSE Latibex All Shares Market Share 2,773.7 million shares FTSE Latibex TOP Financial Performance As of August 2015 OTCQX30 2.7 million ADRs Change Change Change DJSI Emerging Markets 3Q15 9M15 2014 vs. 3Q14 vs. 9M14 vs. 2013 Deposits Loans Figures in Billion pesos Others Others 16% Bancomer 16% Bancomer Total Income 15.8 3% 46.5 5% 60.3 13% 23% 24% Corporate Structure Scotia Net Income 4.3 6% 12.2 7% 15.2 13% 3% Banco Mercantil del Norte 5% Banking Banorte Ixe Tarjetas Total Assets 1,171.2 12% 1,098.0 9% Scotia Banorte USA 5% HSBC Performing Loans 500.2 12% 471.8 11% 6% Casa de Bolsa Banorte Ixe Brokerage Operadora de Fondos Banorte Ixe Past due Loans 13.7 (8%) 14.3 5% HSBC Banamex 8% Inbursa Banamex 16% 7% Afore XXI Banorte Total Deposits 535.9 16% 497.9 12% 4° 14% Long-Term Savings Seguros Banorte 3° Demand 324.0 17% 300.3 18% Pensiones Banorte Santander Banorte 14% 14% Arrendadora y Factor Banorte Time 150.9 13% 136.1 5% Banorte Santander 15% 14% SOFOM and Other Almacenadora Banorte Financial Ratios Finance Companies Sólida Administradora de Portafolios Source: CNBV Ixe Servicios Capitalization 14.9% (0.1 pp) o 15.3% 0.1 pp Commercial 11% Tier 1 13.4% 0.1 pp o 0 13.7% 1.0 pp Consumer 11% ROE 13.2% (0.6 pp) 12.7% (0.7 pp) 13.2% (1.0 pp) Credit Cards 8% Government 24% Agency Rating Outlook Date ROTE 15.6% (1.0 pp) 15.8% (0.7 pp) 16.4% (2.3 pp) Mortgage 16% Fitch BBB+ Stable Mar-15 ROA 1.5% (0.1 pp) 1.4% (0.1 pp) 1.5% 0.1 pp HR Ratings AAA Stable May-15 Infrastructure Efficiency 46.3% 1.6 pp 48.6% 1.8 pp 48.5% (3.6 pp) As of September 2015 Moody’s Baa1 Stable Mar-15 PDL 2.7% (0.6 pp) 2.9% (0.2 pp) S&P BBB Stable Apr-15 Branches ATMs POSs SME Centers Third Party Correspondents EPS (pesos) 1.5 6% 4.4 7% 5.5 3% 1,187 7,234 151,081 12 6,824 #4 #2 #2 Book Value (pesos) 47.7 11% 13% 44.4 15% Source: CNBV (market share) Contact us at [email protected] Head of IR: Ursula Wilhelm ([email protected]) Director of IR: Mariana Amador ([email protected]) Olga Domínguez ([email protected]) Tania Martínez ([email protected]) Best Latin America Executive Team 2015