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Grupo Industrial Lala

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Grupo Industrial Lala

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    1. Good Morning; thank you for joining us and thanks to Jose Garcia Cantera for the invitation to the eight annual latin american conference of Salomon Smith BarneyGood Morning; thank you for joining us and thanks to Jose Garcia Cantera for the invitation to the eight annual latin american conference of Salomon Smith Barney

    3. GRUPO FINANCIERO INBURSA: NO SOLO UN TIPICO BANCO COMERCIAL, SINO UN PROVEEDOR INTEGRAL DE SERVICIOS FINANCIEROS EN MEXICO.

    4. LIDER EN SOLVENCIA Y RENTABILIDAD. BASADO EN CINCO PRINCIPIOS BASICOS DE OPERACIÓN.

    5. MANTENIENDO UNA ESTRUCTURA DE CAPITAL SOLIDA, PRODUCTIVA Y FLEXIBLE ... Grupo Financiero Inbursa has a sound productive and flexible capital structure 96% of uses are invested in income generating assets while 85% of the sources have costs; these are debt, stockholders equity and same reserves As you can see stock portfolio only represent a 7% of the invested money due to an increase of core businesses in the subsidiaries (commercial lending, premiums) 56% of the fixed income and money market portfolio are matched positions On the other hand stockholders equity of Grupo Financiero Inbursa is not subject to any contingency such as deferred taxes or the loss sharing on the Fobaproa notesGrupo Financiero Inbursa has a sound productive and flexible capital structure 96% of uses are invested in income generating assets while 85% of the sources have costs; these are debt, stockholders equity and same reserves As you can see stock portfolio only represent a 7% of the invested money due to an increase of core businesses in the subsidiaries (commercial lending, premiums) 56% of the fixed income and money market portfolio are matched positions On the other hand stockholders equity of Grupo Financiero Inbursa is not subject to any contingency such as deferred taxes or the loss sharing on the Fobaproa notes

    6. PRIMER GRUPO FINANCIERO BAJO LOS PRICIPIOS CONTABLES US GAAP In this chart you can see a significant growth of the net income Adjusted first by REPOMO, to make figures comparable, because, as you may remember in 98 the insurance and bonding companies were not required to do monetary adjustments and since 99 they were required to and second by stock trading net of deferred taxes trying to show the growth in the core business operations from 1.6 bnPs in 97 to almost 4 bn Ps in 99 Let me also explain you same important difference of accounting and economic values in the group for example Sinca Inbursa stake in the promoted companies are accounted through the equity method at 3 bn Ps , but marking to market those investments they could be valued 5.4 bn Ps can the other hand as you may remember in reposed assets we used to have Televisa A shares and government band coming from the full road rescue program. That were realised at the economic value showed in this chart during the 1Q00In this chart you can see a significant growth of the net income Adjusted first by REPOMO, to make figures comparable, because, as you may remember in 98 the insurance and bonding companies were not required to do monetary adjustments and since 99 they were required to and second by stock trading net of deferred taxes trying to show the growth in the core business operations from 1.6 bnPs in 97 to almost 4 bn Ps in 99 Let me also explain you same important difference of accounting and economic values in the group for example Sinca Inbursa stake in the promoted companies are accounted through the equity method at 3 bn Ps , but marking to market those investments they could be valued 5.4 bn Ps can the other hand as you may remember in reposed assets we used to have Televisa A shares and government band coming from the full road rescue program. That were realised at the economic value showed in this chart during the 1Q00

    7. ADMINISTRACION DE ACTIVOS: A TRAVES DE UN EFICIENTE ESQUEMA DE COMISIONES Y NEGOCIOS CON ALTA RENTABILIDAD

    8. FONDOS DE INVERSION:

    9. AFORE INBURSA: NICHO DE MERCADO + DIFERENCIACION DE PRODUCTO

    10. PENSIONES: SOLIDO CAPITAL + RENTABILIDAD RECONOCIMIENTO DE MARCA

    11. SEGUROS: DIVERSIFICACION DE INGRESOS, COBERTURA NACIONAL, AMPLIA RED DE DISTRIBUCION Y LA CARTERA DE CLIENTES MAS AMPLIA DEL PAIS.

    12. SEGUROS: EL FONDEO MAS BARATO DE GFI

    13. BANCO INBURSA: CRECIMIENTO CONSISTENTE DE LA CARTERA DE CREDITO, CALIDAD DE ACTIVOS Y UNA SOLIDA BASE DE CAPITAL

    14. BANCO INBURSA: SOLIDA PLATAFORMA PARA EL MERCADO DE MENUDEO

    15. ESTRATEGIA DE MENUDEO: “DIFERENCIA A TU FAVOR”

    16. INBURSA ES UN IMPORTANTE PARTICIPANTE EN EL NEGOCIO DE BANCA DE INVERSION EN MEXICO

    17. INBURSA ES EL GRUPO FINANCIERO MEXICANO MEJOR POSICIONADO PARA LOGRAR UN SOLIDO CRECIMIENTO CON RENTABILIDAD Y CONVERTIRSE EN UN IMPORTANTE PARTICIPANTE DE BANCA POR INTERNET

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