Slide 1: Corporate Presentation 2Q25
Corporate Presentation 2Q25
Slide 2: Disclaimer
Disclaimer This presentation is not an offer to sell, or a solicitation of an offer to buy any interest in any security or investment product. Such offer or solicitation may only be made by means of delivery of an offering memorandum, which will contain a description of the material terms (including
Slide 3: Índice
Índice 1 1 1 About Gentera 1. 04 • Sense of Purpose • Social Impact • Corporate Governance • History • Highlights 2Q25 • Corporate Structure • Products and potential market • ConCrédito • Yastás • Aterna 2. Growth & Profitability 23 • Summary Gentera • Portfolio and NPL´s • NIM (%) after provisions
Slide 4: About Gentera
pepe 23 23 G GENTERA
Slide 5: Our history, more than 34 years of evolution
Our history, more than 34 years of evolution 2Q25* +5.99 million users of financial services *~5.0 million Clients from Credit, Savings, and Insurance Products, and additionally ConCrédito’s Entrepreneurs served ~986 thousand final users. 5
Slide 6: More than 34 years together fulfilling dreams
More than 34 years together fulfilling dreams We boost the dreams of our clients by servicing their financial needs with human sense. For more than 34 years, we have worked to bring opportunities that promote their development and that of their communities. We generate total value through three valu
Slide 7: Generating Social Impact in more than 34 years of history
Generating Social Impact in more than 34 years of history • Three decades serving three generations, mostly women of popular segments with a human sense. • We have been the gateway for more than 13 million people to the financial system. • More than 100,000 people have joined our purpose, today we a
Slide 8: Best practices in Corporate Governance
Best practices in Corporate Governance 13 members on the Board of Directors 8 Independent Directors, 3 of the are women Codes Code of Good Corporate Governance, which contains the regulations of the Board of Directors Code of Ethics and Conduct of utmost importance for Gentera, which applies to coun
Slide 9: Corporate structure with the purpose of serving more clients
Corporate structure with the purpose of serving more clients Compartamos (Mexico-Peru): Leader in financial solutions for the sub-served segment. Yastás (Mexico): Correspondent network manager. Aterna (Mexico-Peru): Leading agent in microinsurance. Fundación Compartamos: It seeks to generate social
Slide 10: Highlights 2Q25
Highlights 2Q25 2Q25 vs 2Q24; 2Q25 vs 1Q25 2Q25 vs 2Q24; 2Q25 vs 1Q25 +11.1% +21.6% +3.1% 1.2% Clients Portfolio + Users 5,394 5,812 5,992 82,725 83,739 68,863 2T24 1T25 2T25 2Q24 1Q25 2Q25 In 2Q25 GENTERA served more than 5.99 million people, Total Loan Portfolio reached Ps. 83,739 million, a 21.6%
Slide 11: Highlights 2Q25
Highlights 2Q25 In Peru, the total loan portfolio reached $23,172 million pesos, increasing +19.6% compared to 2Q24. ~$65,000 million pesos were In local currency loan portfolio grew disbursed in 2Q25. +7.8% in its annual comparison. Red Yastás in 2Q25 registered ~7.4 Solid Capital Position million
Slide 12: Target Markets and Financial Products
Target Markets and Financial Products Financial Products Credit Deposits Payments Insurance a) 50 million are adults (+18 years). b) 13 million are adults (+18 years). 12
Slide 13: Loans in Mexico
Loans in Mexico CG - Group Credit Additional Plus for CG and CI General Characteristics: General Characteristics: • Group loan for working capital purposes. • Personal credit that allows clients to cover needs • Group of 5 to 50 members (men and women). in their business, home, contingencies or othe
Slide 14: Loans in Mexico
Loans in Mexico CI - Individual Credit General Characteristics: • Working capital loan. Fixed assets and investments. • Mainly in urban areas. Up to Loan size Ps.500,000 Average Ticket Ps. 57,110 Up to 48 Term months Contribution to loan portfolio 31.1% Contribution to number of clients 9.0% *Source
Slide 15: Evolution of loans methodologies
Evolution of loans methodologies (2022-2Q25) BANCO COMPARTAMOS, S.A. I.B.M. 9.4% 9.0% Gentera Portfolio Distribution 11.4% 10.2% Mexico and Peru 16.6% 21.4% 26.4% 31.10% 17.5% 45,444 38,294 54.3% 50.9% 52.7% 50.6% 45.7% 48.7% 51.0% 47.5% 49.4% 50.0% 47.4% 49.8% 35.7% 65.1% 64.6% 58.70% 54.5% Group M
Slide 16: Distribution per subsidiary
Distribution per subsidiary % Total loan portfolio and average ticket Credit Clients per subsidiary 4,415,405 Credit Clients Ps 16,605 Ps 22,663 1.9% 23.2% 65.6% 27.7% 74.9% 6.7% Ps 66,468 Mexico Peru Concrédito Mexico Peru Concrédito We see the opportunity to continue growing the portfolio at doubl
Slide 17: ConCrédito
ConCrédito (Financial institution that offers microcredits through apps) Final Users 986,265 31 States Entrepreneurs 84,749 $5,633 2,095 million Employees Portfolio Portfolio CrediTienda $901 million 1.78% $66.4 NPL% thousand +39,000 Av. Product Offer Ticket* CrediTienda Active clients reached more
Slide 18: ConCrédito - Products
ConCrédito - Products ValeDinero (Main line of business) • Maturity: 6 to 16 biweeks • Loan Size: Ps. 2,000 to Ps. 12,000 • Av. Ticket Entrepreneurs: Ps. 66,468* • Av. Ticket Final Users: ~Ps. 5,372 Loan Entrepreneur Users The Entrepreneur receives a credit line from ConCrédito to Recovery distribut
Slide 19: ConCrédito - Products
ConCrédito - Products CrediTienda (Offer products on credit through the CrediTienda app) • Portfolio: Ps. 901 million* • vs 2Q24: 69.5% • Maturity: 6 to 16 biweeks • Apps Users: +1.2 million • Product Offer: +39,000 Entrepreneur The Entrepreneurs sell products on credit. Based on the quality of th
Slide 20: Yastás
Yastás (correspondent network manager) Operations Financial Affiliates 7.4 million Transactions 5,617 5.0 million Payment Categories Alliance with Mexican states +2,000 Banorte, 32 HSBC, Nu and Santander YASTAS in 2Q25 executed 7.4 million total operation. 20
Slide 21: Yastás
Yastás % Change % Change % Change Yastás 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Affiliates 5,617 5,668 5,357 -0.9% 4.9% 5,617 5,668 -0.9% Operations 7,399,891 6,608,935 7,128,533 12.0% 3.8% 14,528,424 12,455,793 16.6% Financial Operations 5,054,291 3,831,254 4,620,927 31.9% 9.4% 9,675,218 7,482,239
Slide 22: Aterna
Aterna (microinsurance broker) Products: Life Aterna offers life insurance products to provide security Results 2Q25 to our customers and their families. Health and Accidents Trough this coverage Aterna seeks to avoid a destabilization in the economy of our customers due to Active Policies Coverage
Slide 23: Growth and Profitability
GENTERA’ Growth and Profitability
Slide 24: Summary
Summary Gentera S.A.B. de C.V. % Change % Change % Change Summary 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Total users of financial services (1) 5,991,562 5,393,992 5,811,975 11.1% 3.1% 5,991,562 5,393,992 11.1% Credit Clients + Users 5,401,670 5,006,174 5,274,586 7.9% 2.4% 5,401,670 5,006,174 7.9% C
Slide 25: Total Portfolio – NPL %
Total Portfolio – NPL % Gentera Mexico – Banco Compartamos 82,742 82,725 83,739 53,395 53,456 54,934 75,401 48,565 68,863 3.93% 44,753 3.73% 3.56% 3.32% 3.88% 3.89% 3.23% 3.36% 3.31% 2.83% 2Q24 3Q24 4Q24 1Q25 2Q25 2Q24 3Q24 4Q24 1Q25 2Q25 Peru – Compartamos Banco ConCrédito 24,169 23,925 5,315 5,633
Slide 26: NIM (%) after provisions
NIM (%) after provisions Gentera Mexico – Banco Compartamos 29.3% 29.8% 37.6% 38.2% 28.0% 28.6% 28.6% 36.0% 36.1% 36.1% 6M25 29.6% 2Q24 3Q24 4Q24 1Q25 2Q25 2Q24 3Q24 4Q24 1Q25 2Q25 Peru – Compartamos Banco ConCrédito 19.4% 25.8% 25.1% 19.2% 22.9% 23.4% 16.0% 20.4% 12.5% 10.4% 2Q24 3Q24 4Q24 1Q25 2Q2
Slide 27: Equity - ROAE
Equity - ROAE Gentera Mexico – Banco Compartamos 35,473 17,281 17,626 33,527 32,123 15,444 15,736 31,373 13,954 28,817 23.6% 25.8% 24.9% 23.2% 37.8% 37.4% 17.8% 6M25 28.8% 30.9% 30.8% 25.7% 2T24 3T24 4T24 1T25 2T25 2T24 3T24 4T24 1T25 2T25 Peru – Compartamos Banco ConCrédito 5,810 5,847 4,719 5,486
Slide 28: Financial Information 2Q25
G GENTERA’ Financial Information
Slide 29: Statement of Financial Position
Statement of Financial Position % Change % Change 2Q25 2Q24 1Q25 2Q24 1Q25 Cash and investments in financial instruments 15,491 12,701 15,670 22.0% -1.1% Derivatives 0 12 1 N/C N/C Loan portfolio with credit risk stage 1 and 2 80,956 66,637 79,642 21.5% 1.6% Loan portfolio with credit risk stage 3 2
Slide 30: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Interest income 11,805 9,693 11,206 21.8% 5.3% 23,011 19,038 20.9% Interest expense 2,008 1,896 1,859 5.9% 8.0% 3,867 3,724 3.8% Financing expense 1,356 1,333 1,306 1.7% 3.8% 2,662 2,607 2.1% Expense
Slide 31: NPLs per subsidiary
NPLs per subsidiary NPL´s per methodology and subsidiaries 2Q25 2Q24 1Q25 NPL NPL NPL Write- PRODUCT Portfolio NPL Write- Offs Portfolio NPL Write- Offs Portfolio NPL Ratio Ratio Ratio Offs Group Methodology 32,241 960 2.98% 933 29,147 748 2.56% 682 32,951 1,170 3.55% 885 C. Individual 17,066 684 4.
Slide 32: Results of the Modernization Plan
Results of the Modernization Plan Gentera’s historic Net Income Net Income in Million Pesos CAGR 19 - 24 14.3% 6,462 CAGR 10 - 19 5,052 6.5% 4,658 3,410 3,309 3,162 3,161 2,937 2,990 2,625 2,271 1,883 1,997 2,021 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 -1,635 Moder
Slide 33: Evolution of Key Indicators
Evolution of Key Indicators Clients + Final Users (thousand) Loan Portfolio (million Ps.) CAGR 19 - 24 CAGR 19 - 24 82,742 8.4% 5,702 14.7% 5,096 65,167 4,410 4,144 3,814 3,877 53,685 41,692 46,238 40,689 2019 2020 2021 2022 2023 2024 2019 2020 2021 2022 2023 2024 Net Income (million Ps.) CAGR 19 -
Slide 34: Financial Information
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Slide 35: Summary
Summary Banco Compartamos S.A. I.B.M. National Scale Global Scale Perspective Fitch Ratings ‘AA(mex) / F1+(mex)’ BB+ / B Stable S&P Global Ratings ‘mxAA / mxA-1+’ BB+ / B’ Stable Moody’s AA.Mx / ML A-1.mx - Stable % Change % Change % Change Summary 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Clients 3,3
Slide 36: Statement of Financial Position
Statement of Financial Position % Change % Change 2Q25 2Q24 1Q25 2Q24 1Q25 Cash and investments in financial instruments 8,243 4,620 6,730 78.4% 22.5% Loan portfolio with credit risk stage 1 and 2 53,113 43,487 51,376 22.1% 3.4% Loan portfolio with credit risk stage 3 1,821 1,266 2,080 43.8% -12.5%
Slide 37: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Interest income 8,685 7,269 8,045 19.5% 8.0% 16,730 14,127 18.4% Interest expense 1,576 1,419 1,393 11.1% 13.1% 2,969 2,745 8.2% Financing expense 989 911 915 8.6% 8.1% 1,904 1,761 8.1% Expense of cr
Slide 38: Funding structure
Funding structure Debt profile excluding clients deposits 9.1%: Cost of Funds 2Q25 Year Maturity % 2025 2,988 8% 2026 7,005 20% 9.9% 8.9% 8.8% 2027 11,397 32% 1.4% 2.3% 1.8% 1.3% 1.2% 2.20% 2028 9,577 27% 2029 2,550 7% 2030 1,000 3% 29.2% 33.5% 34.0% 2031 1,000 3% Total 35,518 100% 74% of Banco Comp
Slide 39: Allowance for loan losses
Allowance for loan losses 2Q25 2Q24 1T25 Risk %Allowance Balance Allowance %Allowance Balance Allowance %Allowance Balance Allowance A-1 1.1% 25,826 296 1.1% 23,004 264 1.1% 26,825 304 A-2 2.6% 2,437 63 2.6% 2,010 53 2.6% 2,297 60 B-1 3.8% 1,846 70 3.8% 1468 56 3.8% 1693 64 B-2 4.2% 5,580 237 4.2% 3
Slide 40: Financial Information 2Q25
— > Compartamos. ai ae Financial Information 2Q25
Slide 41: Summary
Summary Compartamos Banco (Peru) Rating Perspective Apoyo & Asociados A- Positive Moodys Local PE A- Stable Clasificadora de Riesgos JCR A Stable % Change % Change % Change Summary 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Clients 1,022,462 933,138 992,642 9.6% 3.0% 1,022,462 933,138 9.6% Portfolio *
Slide 42: Statement of Financial Position
Statement of Financial Position % Change % Change 2Q25 2Q24 1Q25 2Q24 1Q25 Cash and investments in financial instruments 4,183.0 4,627.1 4,262.1 -9.6% -1.9% Loan portfolio with credit risk stage 1 and 2 22,309.7 18,492.0 23,030.9 20.6% -3.1% Loan portfolio with credit risk stage 3 861.9 881.1 894.1
Slide 43: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Interest income 2,218.7 1,610.5 2,242.2 37.8% -1.1% 4,460.9 3,347.1 33.3% Interest expense 322.5 362.3 356.5 -11.0% -9.5% 679.0 756.8 -10.3% Financing expense 261.8 318.2 288.1 -17.7% -9.1% 549.9 646
Slide 44: Funding structure
Funding structure 64.2% 64.9% 63.8% 5.2% Cost of Funds 2Q25 7.9% 7.6% 9.3% 5.1% 6.7% 5.8% 22.8% 20.0% 21.9% 2Q25 2Q24 1Q25 Capital Investment Funds Comercial Bank Developmet Bank Multilateral Deposits * Figures expressed in Mexican pesos (millions) 44
Slide 45: Financial Information 2Q25
ConCrédito CS) Financial Information 2Q25
Slide 46: Summary
Summary Fin Útil, S.A. de C.V. SOFOM, E.R. Fincrementar, S.A. de C.V. ConCrédito Comfu, S.A. de C.V. Talento ConCrédito, S.A. de C.V. % Change % Change % Change Summary 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Entrepreneurs (Clients) 84,749 77,064 81,843 10.0% 3.6% 84,749 77,064 10.0% Final users 986
Slide 47: Statement of Financial Position
Statement of Financial Position % Change % Change 2Q25 2Q24 1Q25 2Q24 1Q25 Cash and investments in financial instruments 1,629.5 1,373.3 1,865.6 18.7% -12.7% Derivatives 0.2 11.8 0.9 -98.3% -78.3% Loan portfolio with credit risk stage 1 and 2 5,533.0 4,609.1 5,230.1 20.0% 5.8% Loan portfolio with cr
Slide 48: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 2Q25 2Q24 1Q25 6M25 6M24 2Q24 1Q25 6M24 Interest income 871.5 757.4 858.6 15.1% 1.5% 1,730.0 1,466.1 18.0% Interest expense 113.7 105.9 120.9 7.4% -6.0% 234.6 212.9 10.2% Financing expense 116.3 96.7 113.7 20.3% 2.4% 230.0 194.4 18.3% Expe
Slide 49: Contacts
Contacts Brenda García Cárdenas Daniela Galicia Cabrera bregarcia@gentera.com.mx sgalicia@gentera.com.mx Investor Relations Investor Relations Mario Langarica Ávila Enrique Barrera Flores mlangarica@gentera.com.mx enbarrera@gentera.com.mx Chief Financial Officer Investor Relations Officer 49