• G4-13.

Ps. .8 millions

Our net income increased 22.0% in 2014, reaching Ps. 1,224.8 million, compared to Ps. 1,003.6 million reached at end of 2013.


The non-performing loans reached 1.9%, one of the lowest in the finnancial sector.

Ps. .8 millions

Financial margin increased 22.2% totaling Ps. 2,444.8 million in 2014, compared to Ps. 2,001.4 million reached in 2013.


The efficiency ratio increased from 25.1% in 2013 to 26.8% at year-end 2014.


The Return on Average Assets (“ROAA”) in 2014 was 6.9%, lower than the figure of 7.7% reported in 2013, showing a greater balance on investment securities.

Ps. .9 millions

In 2014, our loan origination reached Ps. 8,831.9 million, representing an increase of 24.9% compared with the Ps. 7,068.5 million reached in 2013.


Our Return on Average Equity (“ROAE”) reached 24.7%, very similar to the figure of 24.5% reported in 2013.

Our portfolio:

Origination by product:

Includes information from strategic alliances.

Net Income:

Percentage of Portfolio by Business Segment

Durable Goods

Small Business


Used Cars

Group Loans