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Banorte Investor Day. Commercial Banking. November 16, 2007. Contents. Commercial Overview Infrastructure Key Volume Indicators Key Performance Indicators Competitive advantages Process improvements Commercial Alliances. Contents. Commercial Overview Infrastructure

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Banorte Investor Day

Commercial Banking

November 16, 2007


Contents

  • Commercial Overview

    • Infrastructure

    • Key Volume Indicators

    • Key Performance Indicators

  • Competitive advantages

    • Process improvements

    • Commercial Alliances


Contents

  • Commercial Overview

    • Infrastructure

    • Key Volume Indicators

    • Key Performance Indicators

  • Competitive advantages

    • Process improvements

    • Commercial Alliances


Commercial Overview

NORTE

NOROESTE

Branches

139

Branches

208

GDP

$79

$103

GDP

Population

11.6

Population

8.2

OCCIDENTE

Branches

115

CENTRO

GDP

$55

Branches

138

Population

12.2

GDP

$60

Population

14.4

MEXICO NORTE

Branches

127

MEXICO SUR

Branches

121

GDP

$96

Population

22.7

PENINSULAR

Branches

75

$50

GDP

Population

10.0

SUR

Branches

100

TOTAL SISTEMA

$41

GDP

Branches

1,023

Pop- Millions

Population

24.1

GDP

$67

GDP per capita – Thousands of pesos

Population

103.3

Footprint Coverage

September 2007

NORTHWEST

NORTH

OCCIDENTAL

CENTRAL

NORTH MEXICO CITY

SOUTH MEXICO CITY

SOUTH

TOTAL


Infrastructure

Branch Expansion Program

8%

6%

3%

Market

Share

14.1%

13.9%

14.3%

14.8%


Infrastructure

ATM Network

13%

15%

14%

Market

Share

14.5%

13.9%

12.9%

13.1%


Infrastructure

POS Terminals

25%

33%

40%


Infrastructure

Employees: Sales force

3%

3%

3%

Market

Share

12.0%

11.6%

12.0%

11.8%


Infrastructure

Millions of Customers

6.6

5.7

4.9

4.5

16%

11%

16%

16%

9%

10%

2005

2006

2007e

2008e


Key Metrics

Transactions in millions

#

%

Sep ‘07

Sep’06

Channel

% Var

%

Units

Units

%

Branches

100.8

27%

111.0

25%

10%

ATM's

155.7

42%

179.4

41%

15%

POS

21.6

6%

33.1

7%

53%

Internet

81.2

22%

102.3

23%

26%

Banortel

14.3

4%

17.1

4%

19%

Total

373.6

100%

442.9

100%

19%


Key Metrics

Average Monthly Sales

Products Per Branch

Product

Sep ‘06

Sep ‘07

%

Consumer

45

53

18%

Deposits

89

104

17%

Banc-assurance

37

43

16%

Total

170

200

18%


Key Metrics

Cross-selling index

Products Per Client

Cross-selling

Date

Index

Jun ’06

1.88

Dec ’06

1.99

Jun ’07

2.03

Dec ’07e

2.11

Dec ’08e

2.21


Total Deposits

14%

14%

17%

18%

12%

15%

Constant billion pesos

182

157

138

121

Time

Demand


Total Loans

72%

32%

28%

25%

27%

16%

30%

21%

Constant billion pesos

215

21.0

161

12.2

114.3

128

109

10.5

86.6

Government

(32%)

15.4

66.4

Commercial

52.4

79.6

62.2

51.6

Consumer

41.4

2005

2006

2007 E

2008 E


Service Fees

Constant billion pesos

5.9

5.1

4.4

3.8

15%

16%

16%


Contents

  • Commercial Overview

    • Infrastructure

    • Key Volume Indicators

    • Key Performance Indicators

  • Competitive advantages

    • Process improvements

    • Commercial Alliances


Competitive Advantage

CRE@

Digital Credit Process

  • Use of digital files for electronic loan authorizations.

  • Benefits:

    • Faster response time in consumer loans.

    • Parametric credit analysis.

    • Uniform approval / rejection criteria.

Evaluation and Resolution

Entry of

customer’s information

Electronic Authorization

15 min

5 min

2 - 4 hrs


Competitive Advantage

Banorte Virtual

  • Off site loan origination capabilities:

    • Remote access to evaluation system

    • De facto mobile sales force.

Virtual Private Network

Inputs

Mobile Internet

Laptop

VPN

Center

Private Key

Safe password w/ dynamic token

Banorte’s Applications


Competitive Advantage

SIVS

Sales Force Supervision

  • Tracking of sales’ force metrics.

  • Planning, development & client retention tool.

  • Cross-selling tool.

  • Incentive based compensation schemes.


Alliance with Telecomm

  • Mexican Telegraph Company.

  • 1,559 agencies nationwide.

    • Provides services for un-banked communities:

      • Debit cash withdrawals, deposits and payments.

      • Entry level accounts: Banorte Fácil.


Service

2. Competitive advantages

Transactions

AVERAGE MONTHLY TRANSACTIONS

Deposits

Withdrawals

Check balances

Savings account openings

Total

140,948

62,904

8,940

1,288

214,080


Certain statements in this document are “forward-looking statements”. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors.


Rentabilidad de sucursales
Rentabilidad de Sucursales statements”. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors.

AVERAGE QUARTELY EARNINGS

2006

2007

Per Branch

1.5

1.9

$ millones de pesos corrientes

* Sucursales con menos de 2 años de antigüedad.


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