Gentera Sab De Cv · BMV:GENTERA
Gentera Sab De Cv — Q3 2025 Earnings Presentation
49 slides from Gentera Sab De Cv's earnings presentation, 2025
Slide 1: Corporate Presentation 3Q25
Corporate Presentation 3Q25
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 3Q25 • 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
About Gentera
Slide 5: Our history, more than 35 years of evolution
Our history, more than 35 years of evolution 3Q25* +6.36 million users of financial services *~5.3 million Clients from Credit, Savings, and Insurance Products, and additionally ConCrédito’s Entrepreneurs served ~1.05 million final users. 5
Slide 6: More than 35 years together fulfilling dreams
More than 35 years together fulfilling dreams We boost the dreams of our clients by servicing their financial needs with human sense. For more than 35 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 35 years of history
Generating Social Impact in more than 35 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 17 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 3Q25
Highlights 3Q25 3Q25 vs 3Q24; 3Q25 vs 2Q25 +16.4 3Q25 vs 3Q24; 3Q25 vs 2Q25 +4.8% +11.4% +3.6% Clients Portfolio + 6,356 Users 5,707 6,134 75,401 83,739 87,793 3Q24 2Q25 3Q25 3Q24 2Q25 3Q25 In 3Q25 GENTERA served more than 6.36 million people, Total Loan Portfolio reached Ps. 87,793 million, a 16.4%
Slide 11: Highlights 3Q25
Highlights 3Q25 In Peru, the total loan portfolio reached $23,674 million pesos, increasing +8.7% compared to 3Q24. ~$70,000 million pesos were In local currency loan portfolio grew disbursed in 3Q25. +9.3% in its annual comparison. Red Yastás in 3Q25 registered ~7.7 Solid Capital Position million o
Slide 12: Target Markets and Financial Products
Target Markets and Financial Products Opportunity Potencial Market Potencial Market 88 million people 24 million people Opportunity 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. 58,548 Up to 48 Term months Contribution to loan portfolio 31.8% Contribution to number of clients 9.3% *Source
Slide 15: Evolution of loans methodologies
Evolution of loans methodologies (2022-3Q25) BANCO COMPARTAMOS, S.A. I.B.M. 11.4% 9.4% 9.0% 10.3% Gentera Portfolio Distribution Mexico and Peru 16.6% 21.4% 26.4% 31.80% 17.5% 48,030 39,762 54.7% 45.3% 50.9% 50.6% 48.7% 51.0% 49.4% 50.0% 49.8% 65.1% 64.6% 57.9% 54.5% Group Methodology Individual Met
Slide 16: Distribution per subsidiary
Distribution per subsidiary % Total loan portfolio and average ticket Credit Clients per subsidiary 4,518,203 Credit Clients 1.9% Ps 17,070 Ps 23,058 22.7% 66.2% 27.0% 75.3% 6.8% Ps 68,802 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 1,050,269 32 States Entrepreneurs 87,364 $6,011 2,172 million Employees Portfolio Portfolio CrediTienda $954 million 1.82% $68.8 NPL% thousand +40,000 Av. Product Offer Ticket* CrediTienda Active clients reached mor
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. 68,802* • Av. Ticket Final Users: ~Ps. 5,538 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. 954 million* • vs 3Q24: 83.0% • Maturity: 6 to 16 biweeks • Apps Users: +1.2 million • Product Offer: +40,000 Entrepreneur The Entrepreneurs sell products on credit. Based on the quality of th
Slide 20: Yastás
Yastás (correspondent network manager) Operations Financial Affiliates 7.7 million Transactions 5,610 5.4 million Payment Categories Alliance with Mexican states +2,000 Banorte, 32 HSBC, Nu and Santander YASTAS in 3Q25 executed 7.7 million Total Operations 20
Slide 21: Yastás
Yastás % Change % Change % Change Yastás 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Affiliates 5,610 5,451 5,617 2.9% -0.1% 5,610 5,451 2.9% Operations 7,735,310 6,691,332 7,399,891 15.6% 4.5% 22,263,734 18,717,091 18.9% Financial Operations 5,425,849 4,001,416 5,054,291 35.6% 7.4% 15,101,067 11,483,65
Slide 22: Aterna
Aterna (microinsurance broker) Products: Life Aterna offers life insurance products to provide security Results 3Q25 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
G GENTERA® Growth and Profitability
Slide 24: Summary
Summary Gentera S.A.B. de C.V. % Change % Change % Change Summary 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Total users of financial services (1) 6,356,004 5,707,206 6,133,906 11.4% 3.6% 6,356,004 5,707,206 11.4% Credit Clients + Users 5,568,472 5,091,550 5,401,670 9.4% 3.1% 5,568,472 5,091,550 9.4% C
Slide 25: Total Portfolio – NPL %
Total Portfolio – NPL % Gentera Mexico – Banco Compartamos 87,793 82,742 82,725 83,739 58,108 75,401 53,395 53,456 54,934 3.93% 3.73% 48,565 3.56% 3.32% 3.43% 3.88% 3.89% 3.32% 3.51% 3.36% 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 Peru – Compartamos Banco ConCrédito 6,011 24,169 23,925 23,67
Slide 26: NIM (%) after provisions
NIM (%) after provisions Gentera Mexico – Banco Compartamos 29.8% 30.6% 28.6% 28.6% 29.3% 38.2% 36.0% 36.1% 36.1% 36.3% 9M25 29.9% 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 Peru – Compartamos Banco ConCrédito 21.1% 25.1% 19.2% 19.4% 22.9% 23.4% 23.5% 20.4% 16.0% 12.5% 3Q24 4Q24 1Q25 2Q25 3Q2
Slide 27: Equity - ROAE
Equity - ROAE Gentera Mexico – Banco Compartamos 35,473 19,079 34,267 33,527 17,626 17,281 31,373 32,123 15,444 15,736 25.8% 26.0% 23.2% 23.6% 24.9% 37.8% 37.4% 9M25 30.9% 30.8% 31.7% 25.5% 3Q24 4Q24 1Q25 2Q25 3Q25 3Q24 4Q24 1Q25 2Q25 3Q25 Peru – Compartamos Banco ConCrédito 6,219 4,719 5,810 5,847
Slide 28: Financial Information 3Q25
ie 7 N" Financial — Information
Slide 29: Statement of Financial Position
Statemnt of Financial Position % Change % Change 3Q25 3Q24 2Q25 3Q24 2Q25 Cash and investments in financial instruments 15,318 14,774 15,491 3.7% -1.1% Derivatives 0 5 0 N/C N/C Loan portfolio with credit risk stage 1 and 2 84,780 72,713 80,956 16.6% 4.7% Loan portfolio with credit risk stage 3 3,01
Slide 30: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Interest income 12,421 10,210 11,805 21.7% 5.2% 35,432 29,248 21.1% Interest expense 2,042 1,765 2,008 15.7% 1.7% 5,909 5,489 7.7% Financing expense 1,313 1,329 1,356 -1.2% -3.2% 3,975 3,936 1.0% Exp
Slide 31: NPLs per subsidiary
NPLs per subsidiary NPL´s per methodology and subsidiaries 3Q25 3Q24 2Q25 NPL NPL NPL PRODUCT Portfolio NPL Write- Offs Portfolio NPL Write- Offs Portfolio NPL Write- Offs Ratio Ratio Ratio Group Methodology 33,637 1,070 3.18% 741 31,694 970 3.06% 571 32,241 960 2.98% 933 C. Individual 18,491 776 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 3Q25 - Compartamos Banco México
— > Compartamos. aie eam Financial Information 3Q25
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 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Clients 3,4
Slide 36: Statement of Financial Position
Statement of Financial Position % Change % Change 3Q25 3Q24 2Q25 3Q24 2Q25 Cash and investments in financial instruments 8,319 5,399 8,243 54.1% 0.9% Loan portfolio with credit risk stage 1 and 2 56,071 46,933 53,113 19.5% 5.6% Loan portfolio with credit risk stage 3 2,037 1,632 1,821 24.8% 11.9% Lo
Slide 37: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Interest income 9,193 7,590 8,685 21.1% 5.8% 25,923 21,717 19.4% Interest expense 1,580 1,309 1,576 20.7% 0.3% 4,549 4,054 12.2% Financing expense 930 929 989 0.1% -6.0% 2,834 2,690 5.4% Expense of c
Slide 38: Funding structure
Funding structure Debt profile excluding clients deposits 8.2%: Cost of Funds 3Q25 Year Maturity % 2025 1,543 4% 2026 5,452 15% 9.7% 8.6% 9.9% 1.90% 1.4% 2.2% 2027 11,393 32% 1.4% 2.2% 1.4% 2028 9,571 27% 2029 4,499 12% 2030 2,600 7% 29.9% 33.9% 34.0% 2031 1,000 3% Total 36,059 100% 84% of Banco Com
Slide 39: Allowance for loan losses
Allowance for loan losses 3Q25 3Q24 2Q25 Risk %Allowance Balance Allowance %Allowance Balance Allowance %Allowance Balance Allowance A-1 1.1% 26,552 303 1.1% 25,247 288 1.1% 25,826 296 A-2 2.6% 2,621 68 2.6% 1,973 51 2.6% 2,437 63 B-1 3.8% 1,982 75 3.8% 1457 55 3.8% 1846 70 B-2 4.2% 5,952 252 4.2% 3
Slide 40: Financial Information 3Q25 - Compartamos Banco Perú
— -_ Compartamos. I ion inancia Informat 3Q25 LL.
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 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Clients 1,026,740 909,412 1,022,462 12.9% 0.4% 1,026,740 909,412 12.9% Portfoli
Slide 42: Statement of Financial Position
Statement of Financial Position % Change % Change 3Q25 3Q24 2Q25 3Q24 2Q25 Cash and investments in financial instruments 4,177.0 5,154.6 4,183.0 -19.0% -0.1% Loan portfolio with credit risk stage 1 and 2 22,808.2 20,857.2 22,309.7 9.4% 2.2% Loan portfolio with credit risk stage 3 866.1 925.7 861.9 -
Slide 43: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Interest income 2,279.8 1,748.1 2,218.7 30.4% 2.8% 6,740.7 5,095.3 32.3% Interest expense 320.7 357.5 322.5 -10.3% -0.6% 999.7 1,114.3 -10.3% Financing expense 248.5 312.6 261.8 -20.5% -5.1% 798.4 95
Slide 44: Funding structure
Funding structure 63.9% 64.2% 67.7% 4.9% Cost of Funds 3Q25 8.1% 7.9% 8.5% 4.0% 5.1% - - 4.0% - 24.0% 22.8% 19.8% 3Q25 3Q24 2Q25 Capital Investment Funds Comercial Bank Developmet Bank Multilateral Deposits * Figures expressed in Mexican pesos (millions) 44
Slide 45: Financial Information 3Q25 - ConCrédito
ConCrédito SG) Financial Information 3Q25
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 ConCrédito 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Entrepreneurs (Clients) 87,364 80,593 84,749 8.4% 3.1% 87,364 80,593 8.4% Final users 1,
Slide 47: Statement of Financial Position
Statement of Financial Position % Change % Change 3Q25 3Q24 2Q25 3Q24 2Q25 Cash and investments in financial instruments 1,108.3 1,648.8 1,629.5 -32.8% -32.0% Derivatives 0.0 4.7 0.2 -99.3% -82.6% Loan portfolio with credit risk stage 1 and 2 5,901.4 4,870.5 5,533.0 21.2% 6.7% Loan portfolio with cr
Slide 48: Statement of Comprehensive Income
Statement of Comprehensive Income % Change % Change % Change 3Q25 3Q24 2Q25 9M25 9M24 3Q24 2Q25 9M24 Interest income 936.2 811.4 871.5 15.4% 7.4% 2,666.3 2,277.5 17.1% Interest expense 119.8 99.4 113.7 20.5% 5.4% 354.4 312.3 13.5% Financing expense 118.2 90.2 116.3 31.1% 1.6% 348.2 284.6 22.4% Expen
Slide 49: Contacts
Contacts Brenda García Cárdenas Daniela Galicia Cabrera bregarcia@genteraservicios.com sgalicia@genteraservicios.com Investor Relations Investor Relations Mario Langarica Ávila Enrique Barrera Flores mlangarica@genteraservicios.com enbarrera@genteraservicios.com Chief Financial Officer Investor Rela