Gentera (GENTERA) investor relations material

Executive summary

• Achieved record net income of Ps. 2,494 million in Q1 2026, up 12.3% year-over-year, and record loan portfolio of Ps. 94,863 million, up 14.7% year-over-year, serving over 6.6 million clients.

• Subsidiaries in Mexico and Peru, as well as ConCrédito, contributed to portfolio and client growth, all posting double-digit annual loan growth.

• Achieved the best efficiency ratio in eight years and maintained strong liquidity, with cash and investments at Ps. 17,457 million.

• Board changes implemented, with two members stepping down and two new members joining the Peru subsidiary.

• Extraordinary shareholders meeting called for June to clarify and resubmit dividend and foundation contribution proposals.

Financial highlights

• Loan portfolio grew 14.7% year-over-year to Ps. 94,863 million; net income reached a record Ps. 2,494 million, up 12.3% year-over-year.

• EPS for the quarter was Ps. 1.54, 15% above Q1 2025.

• Net interest income grew 15.7% to Ps. 10,812 million; NIM at 40% for Q1 2026.

• Net fees grew 18.3% to Ps. 1,587 million, mainly from insurance business expansion.

• Operational expenses rose 10.5% year-over-year to Ps. 5,994 million.

Outlook and guidance

• Portfolio growth guidance reaffirmed at 13%-16% for 2026, with double-digit growth expected to continue.

• NIM expected to be around 41% by year-end; NIM after provisions to be around 30%.

• Cost of risk expected to close the year at the high end of the 13%-13.5% range.

• ROE guidance for 2026 is around 25%.

• Asset quality in individual lending expected to normalize by year-end.