• G4-56, Fs-14.

With more than 21 years of experience, Crédito Real continues expanding its loan book and maintaining high asset quality in granting loans to the low and middle income segments of the population through five products:

Payroll loans, Durable Goods loans, Small Business loans, Group loans and Used cars loans.

  • Beginning of operations as a loan company
    focused on durable goods.

  • First public debt issuance

  • We reached 100,000 customers.

  • Introduction of payroll loans

  • Introduction of group loans.

       Association with Nexxus Capital Private Equity
  • Issuance of a UD $210mmSenior notes due 2015,
    with a 10.25% cupon.

  • Purchase of 49% equity of Kondinero and 49% equity of Credifiel, payroll loan distributors.

  • Successful IPO on the Mexican Stock Exchange (“BMV”)

       Introduction of Small Business loans and Used Cars

      Acquisition of of 49% equity of Crédito Maestro, payroll loan distributor
  • New corporate image development

       “One of the best 100 financial companies” distinction.
  • Issuance of US $425 millionSenior Notes due 2019 with a 7.5% coupon in the international markets, transaction six times over-subscribed.

       “Socially Responsible Company” certification.

       Credito Real is part of the MSCI Mexico Small-cap Index.

       Nomination of Institutional Investor across the following categories:
        Best CEO, Best CFO, Best Investor Relations Department and Best IRO.

       Purchase of the remaining 51% of Kondinero.