Banco del Bajío ScA Institución de Banca Múltiple (BBAJIO O) Investor presentation summary

Franchise and market position

• 30+ years of middle-market origination, credit and service capabilities; strategy targets a profitable, underpenetrated segment of Mexico’s economy.

• Total assets of US$23.5bn; ranked 8th by loans, 9th by deposits, 5th in company lending, 4th in SME lending and leading in agribusiness lending.

• Nationwide franchise with 337 branches as of June 2026; growth focus includes Mexico City, Monterrey and Guadalajara.

Q3 2026 performance

• Loan portfolio MXN312.4bn, +16.5% YoY and +5.4% QoQ; company loans +16.0% YoY and consumer loans +12.2% YoY.

• Deposits MXN374.1bn, +14.6% YoY and +7.7% QoQ; deposit CAGR from 2023 to 3Q26 was 11.2%, versus 8.4% for the system.

• Total revenues MXN6,035m, -4.1% YoY and +0.9% QoQ; financial margin +1.1% YoY and +2.3% QoQ, while fees and trading income fell 4.8% YoY.

• 3Q26 NPL ratio 1.8%, cost of risk 1.2%, efficiency ratio 43.6%, ROAE 14.7% and ROAA 1.7%.

2026 guidance

• Revised loan growth guidance to 11%-12% and deposit growth to 10%-12%; NIM 5.4%-5.5% and fees plus trading income growth 11%-13%.

• Forecast expenses growth of 7%-9%, efficiency ratio of 43%-45%, cost of risk of 0.7%-0.8% and effective tax rate of 28.2%.

• Revised net income guidance to MXN8.4bn-MXN9.0bn and ROAE to 16.9%-18.0%; NPL ratio below 1.7% and capitalization ratio above 14%.

• 2026 macro assumptions unchanged: GDP growth 1.3%, inflation 4.0% and year-end Banxico reference rate 6.50%.