LatinFinance - September/October 2015 - 83

Banorte: Customer focus
and solid governance, keys to continue
building a lasting history with Mexico
In order to continue to be a great ally to grow strong with Mexico and the best in Country profitability and
return to shareholders, Grupo Financiero Banorte is working on several areas to strengthen its results and
its relations with investors, customers and employees. This work can be seen reflected in:
* Solid corporate governance: Grupo Financiero Banorte has strong policies, decision and control
systems as well as corporate governance practices that not only comply with Mexican laws and
regulation but are also in line with international best practices.
* Appropriate risk management: GFNorte has clearly determined its risk taking acceptance and has
strengthened its risks management practices through investment in technological tools, data and
information management systems as well as employee training to achieve a good management of
the risks the group has assumed.
* Retail business transformation: With a customer based focus, Grupo Financiero Banorte is transforming
its retail business aligning channels, information, products and commercial offers to the needs and desires
from customers with the aim of generating a superior customer experience.
* Responsible communication of products and services: GFNorte´s internal and external communications
adhere to international standards of quality and transparency of information at all times.
* More business diversification: The Group´s financial strategy is aimed at diversifying its business, its
incomes and its utilities; this has been achieved by making some important investments in areas that
are different than banking within the financial sector, such as the retirement funds and the insurance
sector. Today, Banorte is one of Mexico's leading institutions, the country's third largest financial
group and the largest controlled by Mexican investors, with more than Ps 2,101.59 billion in assets
under management, with a net income that amounts to Ps 7.883 billion for the first half of 2015
representing an annual growth of 7% and an Efficiency Index of 49.7% in the same period.
On the sustainability front, Grupo Financiero Banorte continues to strengthen its business practices with a
committed vision to manage operational risks responsibly, incorporating social and environmental risks
analysis through it's Social and Environmental Risk Management System (SEMS), which identifies, assesses
and monitors risks associated with different types of loan operations.
As a result of this and other sustainability practices, in 2015, for the second consecutive year, GFNorte is
part of the Dow Jones Sustainability Emerging Markets Index. Additionally, for the fourth year Banorte is
listed in the Sustainable IPC Index of the Mexican stock exchange. For the second consecutive year, the
financial group also formed part of the Latin American Climate Disclosure Leadership Index (CDLI), a listing
that stands out due to the quality and completeness of information on climate change provided through the
CDP to both investors and the global market.
Successes like these have established Banorte as one of Latin America's leading sustainable financial
institutions, which for investors and shareholders is a symbol of a profitable and solid company committed
to sustainable development in which to invest in. With the goal to increase value for its shareholders and
offering a greater range of products and services to its customers, Banorte will continue to work hard to
remain the strong Bank of Mexico.

GFNorte invites you to continue to build this success story together....
write us at: investor@banorte.com
Table of Contents for the Digital Edition of LatinFinance - September/October 2015
