Grupo Elektra Sab De Cv · BME:XEKT
Grupo Elektra Sab De Cv — Investor Presentation (May 2026)
30 slides from Grupo Elektra Sab De Cv's investor presentation, May 2026
Slide 1: Grupo Elektra market positioning and trends in retail money transfer in Mexico
Guía Rápida Grupo Elektra Follow-up on Grupo Elektra’s market positioning, competitiveness, Grupo and Elektra, S.A.B. de C.V. keyELEKTRA*; BMV: market trends LATIBEX: XEKT in the retail money transfer business in Mexico 2T 2023 1
Slide 2: Non-IFRS measures and forward-looking statements
This Presentation refers to certain non-IFRS measures. These non-IFRS measures do not have a standardized meaning prescribed by IFRS and are therefore unlikely to be comparable to similar measures presented by other companies. These measures are provided as additional information to provide further
Slide 3: Content
Content ▪ Grupo Elektra´s Business Highlights ▪ Overview and Market Perspective ▪ Elektra Business Results ▪ US Marketing ▪ Mexico Marketing ▪ Annexes
Slide 4: Grupo Elektra's Business Highlights
Guía Rápida Grupo Elektra Grupo Grupo Elektra´s Elektra, S.A.B. deBusiness C.V. Highlights BMV: ELEKTRA*; LATIBEX: XEKT 2T 2023 1
Slide 5: The Company at a glance
The Company at a glance Revenue LTM Q1 2026: Ps.213,390 millions (+2% vs LTM Q1 2025) Commercial business Financial business Revenue LTM Q1 2026: Ps.76,301 millions (-4% vs LTM Q1 2025) Revenue LTM Q1 2026: Ps.137,089 millions (+6% vs LTM Q1 2025) 36% of Consolidated Revenue 64% of Consolidated Reve
Slide 6: Consolidated Financial Overview
Consolidated Financial Overview Ps. Millions Consolidated Revenue CAPEX +2% CAGR: 10% $208,502 $213,390 $215,356 $213,390 $12,961 $201,296 $184,151 $164,691 $146,019 $120,507 $7,262 $5,906 $5,463 $5,707 $4,501 $4,194 LTM Q1 2025 LTM Q1 2026 2020 2021 2022 2023 2024 2025 LTM Q1 2020 2021 2022 2023 20
Slide 7: Banco Azteca Highlights
Banco Azteca Highlights Ps. Million Gross Loan Portfolio Delinquency Rate CAGR: 12% $208,487 $208,270 $187,646 $161,307 $169,558 $123,198 6.3% $103,529 5.7% 4.7% 4.7% 4.0% 4.2% 3.8% 2020 2021 2022 2023 2024 2025 Q1 2026 2020 2021 2022 2023 2024 2025 Q1 3026 Demand Deposits Capitalization Index CAGR:
Slide 8: Consolidated Debt Maturity Profile as of March 31, 2026
Consolidated Debt Maturity Profile as of March 31, 2026 Annual Amortization Schedule Ps. mm $40,000 $34,150 $35,000 $6,197 $30,000 18% $25,000 $1,098 $20,000 3% $15,000 $8,821 $9,249 $26,854 $10,000 $6,100 $4,878 79% $3,841 $5,000 $1,261 $0 2026 2027 2028 2029 2030 2031 Total Cebures Bank Loans Seni
Slide 9: Money Transfer Services Overview and Market Perspective
Guía Rápida Grupo Elektra Money Transfer Services Grupo Elektra, and Overview S.A.B.Market de C.V. BMV: ELEKTRA*; LATIBEX: XEKT Perspective 2T 2023 1
Slide 10: Mexico Remittance Industry FY 2025 - Q1 2026
Mexico Remittance Industry FY 2025 - Q1 2026 2025 total @ $61.8B, first decline in 11 years (4.6%) Current defining dynamic is bifurcation: fewer due to shrinking active sender base in a fear-driven senders, each sending larger amounts due to market (2024 peak @ $64.7B). transaction consolidation, a
Slide 11: Mexico Remittance Market Overview
Mexico Remittance Market Overview Total Remittances to Mexico (US$ B) In USA: ▪ Border crossings have plummeted to historic lows (444K in 2.0% 1.9% 1.8% 2.6% 2.7% 2.9% 3.7% 4.0% 4.0% 3.5% 4.0% 3.4% 2025, recorded by CBP, a 55-year low. 1.9% 1.7% 2.1% 2.5% ▪ Deportations are accelerating (320K in 202
Slide 12: Q1 2026 Mexico Remittance Market Overview
Q1 2026 Mexico Remittance Market Overview Total Remittances Mexico (US$ B) ▪ During Q1 2026, total market recorded a -4% YoY decline in transactions, and 1.4% increase in USD. 2023 2024 2025 2026 ▪ YTD principal average US$405 (+5.6%). Elektra US$449 (+6.5%). 17.2 17.0 16.3 16.9 16.2 16.4 16.2 16.1
Slide 13: Money Transfer Services Business Results
Guía Rápida Grupo Elektra Money Grupo Transfer Elektra, S.A.B.Services de C.V. Business Results BMV: ELEKTRA*; LATIBEX: XEKT 1
Slide 14: Key Highlights
Key Highlights ▪ Elektra remains the leading remittance provider in Mexico and holds top-of-mind Total Transferred Amount awareness among our target markets in (USD Billions) both the U.S. and Mexico. ▪ Our Money Transmitter License coupled with the bank, places Elektra on the correct side of the ti
Slide 15: Micro Update
Micro Update • Building the Ecosystem within Grupo Elektra. Service Technology Compliance ▪ Continuous customer experience ▪ Transforming: Migration of ▪ Focus on individual risk improvements throughout our remittance operations to the cloud, assessments, new multichannel options: and optimized digi
Slide 16: Payment Operation Indicators
Payment Operation Indicators Payment Effectiveness (all channels) Main KPI’s = 2025 2026 2 = 2 Payment 0 0 effectiveness 98% 98% 2 2 (all channels) 5 = 6 Average = payment time 59 sec 58 sec in retail % Payment Effectiveness (Cash) Payment Channels Payment Transaction 98% 98% = Retail Channels: 2,55
Slide 17: US Q1-Q2 Marketing
Guía Rápida Grupo Elektra Grupo Elektra, S.A.B. de C.V. US Q1-Q2 Marketing BMV: ELEKTRA*; LATIBEX: XEKT 2T 2023 1
Slide 18: USA Signage and Marketing
USA Signage and Marketing 12,000+ agent locations Un Extra por tu Remesa with signage concentrated in Receive remittance into your account, hold $1,500 for 7 days, and enter California, Texas, Illinois for a chance to win a weekly prize and the major final draw . Media Mix Radio DOOH LA, Dallas, Hou
Slide 19: Mexico Q1-Q2 Marketing
Guía Rápida Grupo Elektra Grupo Elektra, S.A.B. de C.V. Mexico Q1-Q2 Marketing BMV: ELEKTRA*; LATIBEX: XEKT 2T 2023 1
Slide 20: Mexico Campaigns and Media Mix
Mexico Campaigns Media Mix Aligned with our US effort, April 17th – May 10nd, 2026 Open TV Radio Receive your remittance in your account, hold $1,500 for 7 days, and enter for a chance to win a weekly prize and the final major draw TV Spot, Integrated product: Venga la Chiapas, Chihuahua, Guerrero,
Slide 21: Elektra Money Transfers Business Reimbursement
Guía Rápida Grupo Elektra Elektra Money Grupo Elektra, Transfers S.A.B. de C.V. Business BMV: ELEKTRA*; Reimbursement LATIBEX: XEKT 2T 2023 1
Slide 22: SN Participants Reimbursement Partners
SN Participants Reimbursement Partners Strong focus on bond MT participants Western Union – Since December 1993 Direct Connection As of September 2024 Remitly – Since July 2021 on direct relationship Intercambio Express Maxi Send Spectrum (formerly PNC) – Since February 2012 / TransNetwork – Since M
Slide 23: SN Participants Reimbursement Partners – Principal Payouts
SN Participants Reimbursement Partners – Principal Payouts Strong performance by the partners that are part of the structure WU REMITLY MAXI MG INTERCAMBIO PNC TNW CASH DTB (Direct-to-bank) 23
Slide 24: SN Participants Reimbursement Partners – Transactions
SN Participants Reimbursement Partners – Transactions Strong performance by the partners that are part of the structure REMITLY WU MAXI MG INTERCAMBIO PNC TNW CASH DTB (Direct-to-bank) 24
Slide 25: Annexes
Guía Rápida Grupo Elektra Grupo Elektra, S.A.B. de C.V. Annexes BMV: ELEKTRA*; LATIBEX: XEKT 2T 2023 1
Slide 26: Consolidated Debt as of March 31, 2026
Consolidated Debt as of March 31, 2026 USD$ MXN$ Maturity Description Interest rate Issue Date mm mm date Commercial business (1) Cebures Elektra 21U - 1,941 4.53% Real 13-Apr-21 7-Apr-26 Banco Multiva - 809 TIIE + 2.75% 30-Jun-23 22-Jun-26 Cebures Elektra 25 - 2,085 TIIE-F + 1.65% 27-Mar-25 16-Jul-
Slide 27: DPR Monthly and Quarterly DSCR
DPR Monthly and Quarterly DSCR • Reimbursement flows were securitized in January 2021, totaling ~US$16,748 million during LTM Q1 2026. • Second bond issued in October 2024 and the series 2021-1 was repaid in full. • Monthly DSCR for series 2024-1 increased to 147x (LTM Q1 2026 average) from 116x for
Slide 28: Transaction Structure Overview
Transaction Structure Overview Investors USA MX International USA US/Intl Listed on the LUX Stock $USD Exchange Designated $MXN Remitters T+1 Senders Managed by Senior Secured Notes $USD SPV LUX Trustees LUX 144A/Reg S T=0 $USD Designated $MXN Pass Through Reserve Designated Collateral Remitters Acc
Slide 29: AML Risk Based Approach
AML Risk Based Approach What regulations and international standards require or consider: Amount TXN Risk Countries Blacklist Verification Our Risk Based Approach Amount Aggregated # Txns # Countries Risk # POS # Counterparts Blacklist X TXN Amount Countries Verification On a daily, monthly and annu
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Grupo Elektra, S.A.B. de C.V. — Investor Presentation (May 2026) on 6ix