KEY FIGURES

20,467 employees
27 countries
More than11 million customers
Data as of December 31, 2022

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KEY FINANCIALS - PARENT COMPANY RESULTS

          in KMAD
Business Activity 2022 2021 2020 2019 2018
Customer Loans 228,432,193 211,123,105 207,577,423 199,389,610 192,683,277
Customer Deposits 273,892,280 261,096,974 245,156,343 233,128,874 234,507,882
Financial position 2022 2021 2020 2019 2018
Total assets 400,325,782 386,733,229 380,511,758 360,797,755 350,620,082
Share Capital 2,151,408 2,151,408 2,098,597 2,098,597 2,098,597
Results 2022 2021 2020 2019 2018
Net Interest Margin 8,726,202 8,506,345 8,283,432 7,854,266 7,346,377
Net Fee Income 2,151,378 2,010,690 1,813,262 1,936,804 1,812,326
Net Banking Income 13,475,010 13,069,490 12,184,603 12,844,430 12,186,555
General Operating Expenses 4,853,219 4,732,623 4,826,997 4,934,793 4,717,433
Gross Operating Income 7,973,520 8,245,198 7,050,221 7,982,404 7,539,982
Net Operating Income 6,343,438 5,898,481 4,526,554 6,999,962 6,480,023
Net Income 4,234,840 4,099,484 2,318,618 4,840,111 4,603,983

KEY FINANCIALS - PARENT COMPANY RESULTS

        in KMAD
Business Activity 2017 2016 2015 2014
Customer Loans 179,237,875 173,382,954 164,250,424 170,228,295
Customer Deposits 225,368,841 205,853,895 200,959,041 190,719,730
Financial position 2017 2016 2015 2014
Total assets 319,371,242 299,526,626 288,120,647 288,818,390
Share Capital 2,035,272 2,035,272 2,035,272 2,035,272
Results 2017 2016 2015 2014
Net Interest Margin 7,010,544 6,853,590 6,757,666 6,558,876
Net Fee Income 1,637,034 1,493,767 1,355,911 1,269,742
Net Banking Income 11,502,724 14,235,602 10,840,770 11,448,552
General Operating Expenses 4,507,747 4,285,515 4,121,966 3,926,742
Gross Operating Income 7,304,093 10,111,707 6,725,514 7,444,684
Net Operating Income 6,291,804 8,698,642 5,207,730 5,437,246
Net Income 4,158,011 6,935,048 3,665,418 3,544,114
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KEY FINANCIALS - CONSOLIDATED RESULTS

          in KMAD
Business Activity 2022 2021 2020 2019 2018
Customer Deposits 411,376,856 380,852,248 356,614,160 335,576,694 332,005,586
Customer Loans 374,568,037 345,112,075 333,702,415 323,752,579 305,059,677
Financial position 2022 2021 2020 2019 2018
Total assets 630,417,980 596,325,836 568,107,651 532,601,713 509,925,715
Shareholder's Equity 62,125,436 59,792,421 54,292,985 53,925,039 50,471,394
Results 2022 2021 2020 2019 2018
Net Interest Margin 17,350,030 16,170,376 15,784,983 14,936,645 13,994,695
Net Fee Income 5,776,118 5,192,386 4,771,180 5,147,890 5,034,348
Net Banking Income 26,313,495 24,379,629 23,858,063 23,472,778 22,370,716
General Operating Expenses -10,266,018 -9,858,112 -10,617,948 -9,678,920 -10,713,108
Gross Operating Income 14,594,220 13,090,344 11,623,473 12,249,668 11,657,608
Cost of risk -3,194,758 -3,606,838 -5,454,385 -1,589,044 -1,723,565
Net Income 7,458,609 6,156,766 3,705,028 6,951,093 6,735,205
Net Income Group Share 6,065,282 5,144,461 3,018,002 5,816,007 5,706,129

KEY FINANCIALS - CONSOLIDATED REPORTS

          in KMAD
Business Activity FTA 2018 2017 2016 2015 2014
Customer Deposits 316,210,403 316,210,403 286,264,527 274,514,736 257,881,178
Customer Loans 279,682,245 285,995,046 271,627,179 252,918,815 255,056,498
Financial position FTA 2018 2017 2016 2015 2014
Total assets 471,474,889 475,660,126 428,766,067 411,078,692 401,843,640
Shareholder's Equity 46,058,720 50,801,048 47,411,083 41,229,157 40,401,977
Results FTA 2018 2017 2016 2015 2014
Net Interest Margin 12,908,326 12,908,326 11,612,899 11,400,934 11,026,273
Net Fee Income 4,786,997 4,786,997 4,418,274 4,040,284 3,875,163
Net Banking Income 21,644,776 21,644,776 19,673,327 18,997,018 19,449,755
General Operating Expenses -9,980,845 -9 043 552 -8,246,893 -7,959,562 -7,680,810
Gross Operating Income 11,663,931 11,663,931 10,530,429 10,186,295 10,940,982
Cost of risk -2,168,124 -2,168,124 -2,001,359 -2,217,045 -3,034,430
Net Income 6,583,965 6,583,965 5,653,125 5,300,168 5,140,484
Net Income Group Share 5,390,902 5,390,902 4,757,421 4,501,781 4,355,244