November, 2013

- 1 -

GRUPO FINANCIERO INBURSA

Since inception, Inbursa has successfully evolved into a diversified and fully integrated financial services group,

reaching profitable critical mass in the businesses it has entered while maintaining the benefits of a fully integrated

model

1965

Creation of

Inversora

Bursátil, S.A.

1984

Acquisition of Seguros de

Mexico (now Seguros

Inbursa) and Guardiana

(now Fianzas Guardiana)

1993

Creation of

Banco Inbursa

1992

Formal creation of

Grupo Financiero

Inbursa

1996

Creation of

AFORE Inbursa

1989

Creation of

Sinca Inbursa

2000

Creation of

Arrendadora

Inbursa

2008

Acquisition of 20% Stake

of Grupo Financiero

Inbursa by CaixaBank

2010

Acquisition of

Chrysler

Financial (now

CF Credit)

1965 1985 1990 2000 2010 2013 1995 2005

2005

Spin off

Ideal

2000

Spin off Carso

Global Telecom

Business mix evolution Rank

Sep-13 Mkt share

Sep-13 (%)

38.0 / 5.1

8.3

10.8

1/7

4

5

Brokerage ⁄Asset Management

Insurance (wholesale and retail)

Wholesale banking

Retail banking Retail banking expansion to leverage on the existing clientele and funding expertise of the Insurance and AFORE divisions

Proven ability to gain significant market share across a variety of new business initiatives.

Group history

- 2 -

GRUPO FINANCIERO INBURSA

Sixth largest financial group in Mexico in terms of total loans

and deposits

The most diversified and integrated financial services group

in Mexico driving to best-in-class efficiency

Bank historically specialized in corporates with an ongoing

expansion into retail, leveraging the group's client base of

more than 8 million clients

One of the largest insurance operators in Mexico with strong

position in P&C / Auto business and growing Life business

Solid capitalization with conservative provisioning

Most efficient financial group in Mexico, based on an

integrated multichannel distribution platform

The most diversified and integrated financial services group in Mexico

Shareholders’ equity

Assets

Deposits

Premiums written

Total AuM

Net income (LTM)

Key metrics as of September 2013 (Million pesos) Market share Overview

Banking Insurance Asset

management

Investment

banking

Corporate

Government

Retail

Auto

P&C

Health

Life

Annuities

Surety

Mandatory pensions

(Afore)

Mutual funds

Brokerage

Private equity

Real estate

Gross Loans

RoAA (%)

84,296

390,567

72,846

19,532

524,092

11,798

193,308

3.2%

11%

6%

5%

9%

4%

10%

7%

Source: Inbursa, CNBV and AMIS

RoAE (%) 14.5%

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GRUPO FINANCIERO INBURSA

With a highly differentiated multi-channel distribution platform.

Un

ifie

d IT

pla

tfo

rm

Sh

are

d a

dm

inis

trati

on

Co-branding

partnerships

Alternate channels

Traditional channels

Branch network

Call

centres Partnerships Internet ATMs

Sales force

Sep 2013

14,722

New clients

- Branch network

- Sales force

- 3rd party co-branding

partnerships

Existing clients

Cross-selling

Integrated multi-channel

distribution focused on clients

offering Inbursa’s full suite

of products and services

Sin

gle

clien

t d

ata

base

Integrated

Banking Insurance

Asset

management

Investment

banking

2008 Sep-13

96 308

- 4 -

LOAN PORTFOLIO

Million Pesos

10.477

17.889

21.471

28.720

32.058

2009 2010 2011 2012 sep-13

Retail

147.404

157.727

152.405

147.164

161.250

2009 2010 2011 2012 sep-13

Commercial

- 5 -

MICRO SME´S

Million Pesos

Market Share Micro SME'S*:

Amount 27%

Clients 29%

*Companies with less than $2 MM Ps in sales

Clients 21,415 32,944 42,363 55,938

2.604

3.326

3.940

5.487 5.890

2009 2010 2011 2012 sep-13

59,747

- 6 -

RETAIL LOANS

Clients 44,738 52,602 62,762 88,368

Million Pesos

128,935 Clients 24,573 82,652 95,384 107,578 120,212

2.927

9.754

12.529

17.306 18.572

2009 2010 2011 2012 sep-13

Autos

Autos

890 1.147

1.605

2.295

3.670

2009 2010 2011 2012 sep-13

Personal

Personal

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CREDIT CARD

Million Pesos

Clients 481,281 401,707 378,056 394,733

2.607

2.153

1.893

2.192

2.541

2009 2010 2011 2012 sep-13

408,588

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BANCO INBURSA: RETAIL FUNDING

Million Pesos

43.501 48.290 51.737

53.045 59.876 62.708

1.204 6.584

9.195 10.138

52.941

59.629

69.071 72.846

2008 2009 2010 2011 2012 sep-13

Demand deposits + Retail time deposits

Demand deposits Retail time deposits

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BANCO INBURSA: WHOLESALE FUNDING

Million Pesos

15.669

34.549

50.000

61.629

2010 2011 2012 sep-13

CEBURES (Unsecured local notes)

103.851

76.365 72.999

47.916

31.662

19.653

2008 2009 2010 2011 2012 sep-13

Time Deposits

- 10 -

SEGUROS INBURSA

Amount Market

share (%)

Gross written premiums 19,532 8.3%

Financial income 1,076 6.9%

Net income 503 6.1%

Investments 32,412 6.4%

Technical reserves 47,785 9.0%

Catastrophic reserves 7,854 17.1%

Stockholders equity 9,142 7.1%

Amount (%) Combined

ratio

Life 2,877 14.7% 109.7%

Automobile 3,145 16.1% 92.5%

Accident and

health 1,497 7.7% 96.6%

P&C (ex. Auto

insurance) 12,012 61.5% 58.3%

Total 19,532 100.0% 94.4%

The 3th largest insurance company in the country Key figures as of September 2013 Premium breakdown as of September 2013

…with presence in different segments

Source: AMIS

Highest stock of catastrophic reserves in the system (Ps.7,854 million as of September 2013)

Under IFRS accounting, catastrophic reserve has the same treatment as shareholders equity

Conservative provisioning at the life insurance business

September 2013 Million pesos

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MEXICAN FINANCIAL SYSTEM

19.6

15,5 15,4 15,4 13,7 13,0

12,1

0.2

0,3 0,2 0.2 3,2 2,6 4,4

–

2,5

5,0

7,5

10,0

12,5

15,0

17,5

20,0

Inburs

a

Sco

tia

ban

k

Bana

mex

Santa

nde

r

HS

BC

Bano

rte

Bancom

er

Highest Tier 1 ratio among top banks…

System (ex.

Inbursa):

13.4%

20.6

15.8 15.6 15.6

16.8 16.5 15.7

Capital ra

tio (

%)

10.4% 23.8% 15.3% 12.3% 11.7% 9.3% 10.4% Equity / assets

ratio (%)

Tier 1 (Capital básico)

Tier 2 (Capital complementario)

Equity over Assets of 23.5% significantly above Mexican peers (10.6%) and International peers

(11.2%), with no double leverage at group level (100% equity funded)

Source: CNBV

11.89.5

4.0

11.9

27.6 27.3

20.2

23% 17% 10% 8% 23% 10% 3%

Source: CNBV

…..with a 23% market share in credit reserves

Provisions for credit risk