Gentera (GENTERA) investor relations material

Executive summary

• Achieved record net income of Ps. 4,847 million for 1H26, up 12% year-over-year, and served 6.79 million clients across Mexico and Peru.

• Loan portfolio reached Ps. 94,682 million in 2Q26, growing 13.1% year-over-year, with all subsidiaries showing double-digit growth.

• Maintained robust profitability with ROE at 25.0% and NIM at 41.2%.

• Operational efficiency improved, with expenses rising below portfolio growth and efficiency ratio at 64.5%.

• Asset quality stabilized, with Stage 3 NPL ratio at 4.04%, slightly improved from the previous quarter.

Financial highlights

• Net income for 2Q26 was Ps. 2,353 million, up 11.6% year-over-year.

• Net interest income grew 13.9% to Ps. 11.1 billion; NIM at 41.2% for 2Q26.

• Operational expenses increased 7.7% to Ps. 6.19 billion; efficiency gains kept expense growth below revenue and portfolio growth.

• Net fees rose 14.2% to Ps. 1.6 billion, mainly from insurance business.

• Provision for loan losses was Ps. 3,437 million, up 29.7% year-over-year.

Outlook and guidance

• Revised full-year loan portfolio growth guidance to 6%-9% due to economic slowdown and portfolio stabilization.

• Maintains EPS growth guidance of 13%-16% for 2026, with EPS expected at ~$5.88 to $6.03.

• Expects NIM to remain around 41% and consolidated NPLs near 4% by year-end.

• Focus remains on digitalization, operational efficiency, and prudent capital allocation.

• Double-digit growth expected to continue in Peru and ConCrédito; cautious optimism for Mexico.